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Attending college from a laptop in your childhood bedroom might not be the experience you had in mind.But just because you’re not living in a dorm this fall doesn’t mean that expenses disappear. Your cost of attendance might have changed if you’re learning remotely due to COVID-19, but colleges will factor at-home or off-campus living expenses into your overall costs.And you can still use financial aid — including student loans — to pay for them.How cost of attendance worksColleges determine their own cost of attendance for each academic year. This amount factors in all of your direct costs including tuition, fees, room and board, as well as estimates for books, supplies, technology and transportation. Schools often have different cost-of-attendance calculations for students who live in dorms, off campus or even in another state.Your financial aid and student loans are applied first toward tuition and fees, then room and board. Any remaining funds are distributed to you to use for living expenses.Your aid package might shift if your cost of attendance changes.For example, you can borrow money only up to the total cost of attendance; if that number goes down, so does the amount you can borrow. And if any part of your aid package is pegged to living on campus and you no longer are, your aid could change.How cost of attendance is different this yearCost of attendance is adjusted annually, but some schools are modifying their calculations due to the pandemic. For example, Williams College, a private school in Williamstown, Massachusetts, reduced its cost of attendance for 2020-21 by 15%. Williams College is planning a hybrid of in-person and remote learning — students can live on campus if they want to.Schools that go fully remote will have few — or no — options for on-campus housing. And that could mean heading back to your parents’ house or finding off-campus accommodations.Your school might break down the cost of attendance according to your living situation. Here’s what 2020-21 looks like at the University of California, Berkeley, for example, where students will attend remotely for the start of the fall semester:Living in a campus residence hall: ,460.Living in an on-campus apartment: ,876.Living in an off-campus apartment: ,920.Living with relatives: ,492.If your school goes remote, the cost of attendance will be modified for all students. But if you have the choice to return to campus and stay home instead, you must let the college know your plans so your cost is adjusted.“It’s actually less expensive if students stay home and take classes remotely,” says William Hudson Jr., vice president for student affairs at Florida A&M University in Tallahassee, which is planning a hybrid approach.Cost of attendance represents the ceiling on what you can borrow. Every dollar you don’t have to borrow is a dollar you don’t have to repay, with interest, down the road. That means if you stay home rent-free or share an apartment with others to save on living costs, you’re way ahead in the long run.Here are some possible college living arrangements you’ll have in the fall and how to pay for them:Living on campus for in-person or online classesIf your school is operating an in-person or hybrid model where you live on campus, your cost of attendance won’t change, which means your financial aid won’t change either.But your campus could close during the school year due to COVID-19. If this happens, as it did to many colleges last spring, your school will likely reimburse a prorated amount for nontuition costs like room, board and facility fees.Multiple schools that are planning to open in person are also moving to remote instruction after Thanksgiving break. Some schools are also staggering move-in dates. Those factors could alter the total cost of room and board you’re paying this semester.For example, at Penn State University, students will start the fall semester in person but switch to remote learning in late November. To reflect this change, the cost of a standard double room was lowered by 7 — from ,427 to ,820 — and the midlevel meal plan was lowered from ,449 to ,193.Living off campus on your own or with roommatesLiving off campus, you won’t have room and board taken into consideration, but you’ll have additional expenses like rent, groceries and utilities. You can use financial aid to pay these bills.Colleges often use regional data and student surveys to come up with estimates for off-campus rent and utilities, and oftentimes those amounts aren’t too different from living on campus, says Jill Desjean, policy analyst at the National Association of Student Financial Aid Administrators. However, your school will always consider living off campus to be cheaper than living on campus.Montclair State University in New Jersey, for example, estimates that housing and meals for in-state students who live off campus will cost ,068 for the fall semester, compared with ,193 for room and board on campus.Living at home with your parentsYour expenses may be lower at home with your parents than living on your own or on campus, but colleges will factor into their estimates the costs your parents take on by having you home, Desjean says.“When you bring that student back in, the lights are on longer, you have to feed them so the cost of food goes up, heating — everything goes up,” Desjean says. You can use financial aid to offset your contribution to increased home bills.And remember that the school’s cost of attendance impacts how much financial aid you can get, but it’s an estimate rather than an exhaustive list. You might need additional technology and equipment to learn more effectively from home, such as a dedicated desk setup and laptop if you don’t have one.How to get more funds for living expensesIf you or your family run into financial difficulty during the school year, ask your school about getting more financial aid. This requires you to submit a financial aid appeal to your school with a letter and to update the Free Application for Federal Student Aid, or FAFSA.You might also qualify for emergency aid such as cash grants, completion scholarships, emergency student loans or vouchers.More From NerdWalletWhat Is College Cost of Attendance?7 Kinds of COVID-19 Relief for College StudentsCollege During COVID-19: Your Aid Questions AnsweredAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6470

At least 105 people are dead after an earthquake rocked the Indonesian island of Lombok over the weekend, state media reported Tuesday.Another 236 people have been injured in the quake, according to the government's disaster management spokesman Sutopo Purwo Nugroho, who told the Antara News Agency that the casualty numbers could rise as the search continued for survivors.More than 20,000 people have been displaced since the 6.9-magnitude quake struck Lombok, a popular tourist destination, on Sunday night.The epicenter of the earthquake was in northern Lombok, a more residential and less developed part of the island. Most of the tourist resorts are located on the southern side of the island.Most of those killed were struck by falling debris from collapsed buildings, according to Nugroho. Among the many buildings destroyed on Lombok were two homes which housed around 80 underprivileged children. 915

As we shop online more this holiday season, pest control experts are also expecting more calls.That's because those cardboard packages left out in front of homes are basically an invitation for bugs and rats to come inside.“They're looking for shelter, just like we are. They're cold if they're outside, so a lot of times, they have that fall migration, or early winter migration of rodents to our door, seeking heat and shelter,” said Dr. Brittany Campbell, staff entomologist at the National Pest Management Association.Some of those pests include American and German cockroaches, silverfish and even booklice. Unlike body lice, booklice are mostly harmless and more of a nuisance.During this time, it's important that you open up your packages outside. You'll want to do a quick inspection of the exterior of the box.“So, you'll look for gnaw marks, any type of droppings on the boxes, and then before you bring them in, go ahead and open that cardboard box,” said Campbell.Once you open up the box, shake out all the items inside and look for fecal droppings, urine marks, egg casings, and any other type of clues that show there were insects inside.After inspecting the box, it's fine to still use it to wrap your gifts, but make sure to dispose of it as soon as possible after Christmas. Don't let cardboard pile up inside your house.And if you think you have an infestation, get a pest control expert to take care of it. 1435

BAKERSFIELD, Calif. (KGTV) — A man accused of boarding a Greyhound bus in San Diego before opening fire and killing one person in the Los Angeles area pleaded not guilty in court.Anthony Devonte Williams, 33, of Capital Heights, Md., pleaded not guilty to one count of first-degree murder and five counts of attempted murder.Williams is accused of opening fire on a bus as it was traveling on Interstate 5 between Los Angeles and Bakersfield on Feb. 3. He reportedly first boarded a bus from San Diego to Los Angeles before boarding another bus in Los Angeles heading to San Francisco.Passengers say Williams was cursing and muttering incoherently before opening fire.The shooting killed 51-year-old Lurbis Elena Vence, of Molino, Colombia, according to KERO., and injured five other people.Other passengers were able to disarm Williams and forced him off the bus. 872

Ashland University in Ohio is offering a new ,000 scholarship to talented Fortnite players."Fortnite Battle Royale" will be offered in fall 2018 as part of the university's esports program.The AU esports team will be the first known program in the country to add the game to its official offerings. Head Coach Josh Buchanan is excited to add the popular game to the college's gaming titles."Fortnite appeals to both the core and casual gaming audience," said Buchanan in a news release. "We're excited to provide this platform for gamers who want to showcase their skills in a more competitive space."The team at Ashland will arrange four-player teams that practice regularly and compete together.Scholarships will be awarded to players based on skill level and academic requirements.The university plans to conduct open tryouts for Fortnite players next school year. Ashland already offers League of Legends, Overwatch, Counter-Strike: Global Offensive and Rocket League in their esports program. The coach hopes eventually other schools will for programs to set up collegiate leagues for the team to compete against.  1184