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An influx of college financial aid applications this year means that money could run out for students who don’t file early.Due to financial strain caused by COVID-19, nearly 40% of families that didn’t previously plan to apply for federal financial aid now expect to do so, according to a recently released survey from Discover Student Loans.The federal government, states, colleges and other organizations use the Free Application for Federal Student Aid, or FAFSA, to award financial aid. You must complete the FAFSA to be considered for financial aid.You have 21 months to submit the FAFSA for any given academic year. For the 2021-22 school year, the FAFSA opens Oct. 1, 2020, and closes June 30, 2022. But that doesn’t mean you should wait.“There is no downside to applying early, but a lot of risk in applying late,” says Manny Chagas, vice president and head of marketing and product at Discover Student Loans.Here’s why you should file the FAFSA now.Better shot at more free moneyThe sooner you submit the FAFSA, the greater your chances are of getting free aid you don’t have to repay, such as grants or scholarships.Federal Pell Grant money likely won’t run out, but other need-based aid, including that awarded through your school and state, is limited and awarded on a first-come, first-served basis. Jack Murphy, financial aid counselor at the University of Northern Iowa, named the Federal Supplemental Educational Opportunity Grant and his school’s tuition assistance grant as examples.The Federal Work-Study Program also has limited funds, so you’ll want to file the FAFSA early to take advantage of it.More time to appeal a financial aid decisionStudents and parents who are dissatisfied with their aid amounts or have a change in economic circumstances can appeal the financial aid award from their school. To do this, you need to petition your school with a financial aid appeal letter and provide evidence to support your need for more aid. If you wait too long, the aid money could run out.Those who file the FAFSA early are more likely to receive their school-based financial aid awards with their college acceptance letters. While your federal aid will be the same no matter where you attend college, you can send your FAFSA information to several schools to see which will give you the best school-based aid package. Doing so early will allow you to compare offers and appeal if necessary.If you apply for the FAFSA late, you not only risk a smaller award to begin with, but you also have less opportunity to “shop around” and submit a successful appeal letter.A quarter of parents surveyed by Discover Student Loans say they’ll appeal their financial aid decision because of previous award amounts and pandemic-induced changes in family finances. In speaking about the survey, Chagas emphasizes that there tends to be more money available early in the process, so students should make the FAFSA a priority.Murphy agrees. “Filing early makes sure you’re in the running to receive as many awards as possible,” he says. “We see students that get [aid] one year, but not the next.”They don’t lose out on aid because they no longer qualify, Murphy explains. They just waited too long.More From NerdWalletNerdWallet’s FAFSA GuideYour FAFSA Questions AnsweredWhat Are the FAFSA Requirements?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 3387

April the giraffe’s last calf, Azizi, has died. April became a viral hit after two of her calves’ births were live-streamed online. Azizi was born as millions watched in March 2019. He was April’s birth and last calf.Azizi was later sent to the East Texas Zoo and Gator Park to live. The facility announced his death Wednesday in a social media post. 358

Are you participating in Black Friday shopping this week? The season's biggest shopping event of the year might look a lot different than usual with many cities, states and retailers putting in restrictions due to COVID-19.For the first time, Deloitte’s consumer survey found that more shoppers plan to go online Thanksgiving weekend than to visit in-person retailers. The survey found that 58% of those planning to shop on Thanksgiving weekend will do so online, compared to 41% who say they will shop in person. Last year, 61% of shoppers said they planned on shopping in person compared to 51% who said they would shop online. A number of those surveyed said they would do both.If you plan on shopping on Black Friday, the Better Business Bureau offered the following tips:1) Stay Safe. Follow CDC guidelines to healthy and safe while in the store.2) Make the most of Black Friday deals. Start with a list of items and use sale flyers and promotions to determine which store has the best price. Set a budget and stick with it before heading out.3) Read the fine printSome retailers may offer an additional percentage off the purchase, but could exclude certain deals or items such as “door busters.” Watch for companies boasting a high percentage off; the item may be “75% off,” but the original price could be inflated. Carefully check the price tags, terms, and conditions. Research online using a secure wifi connection to see if competitors have the item at a better price.4) Plan out the excursion. Sometimes it's not necessary to wait to see what deals will be offered on Black Friday. Retailers often will release Black Friday flyers weeks ahead of time, so consumers can plan out their shopping spree. Make a map of the stores to visit and what items are at which store. Some retailors only honor sale ads during a certain time frame, or on certain days, and could limit the amount of deeply discounted items available for purchase.5) Sign-up for email alerts. Many stores release their best Black Friday deals and exclusive coupons to people who have subscribed to their emails. Sign up ahead of the holiday season, and then unsubscribe afterwards if needed.6) Do your research. Read product reviews on extremely discounted items. It could be a cheaper model or brand advertised, and not what was expected. Check BBB.org for Business Profiles of the stores and read what other customers’ have experienced.7) Know the return policy and warranty information.Pass along any information about returns, exchanges, repairs, and warranties to the person who will use the item. Gift receipts are an easy way for recipients to return or exchange a gift if it’s not just right, but make sure the item is able to be returned before purchasing.Visit BBB.org to look up a business, file a complaint, write a customer review, report a scam, read tips, follow us on social media, and more! 2894

American businesses are on a hiring spree.The US economy added 313,000 jobs in February. That was much stronger than economists expected and the biggest gain since July 2016, according to Labor Department figures published Friday.The unemployment rate stayed at 4.1%, the lowest in 17 years.Wages grew 2.6% compared with a year earlier, a few notches below the pace in January. That delighted investors: The Dow was set to open up more than 150 points. More modest wage growth cools fears about inflation and rising US interest rates, both of which spooked the markets last month.In the first two months of the year, the United States has already added more than half a million jobs.Job gains for December and January were both revised higher.  757

Arizona Sen. John McCain, a former Republican presidential nominee and prisoner of war, has died after a battle with an aggressive form of brain cancer.The 30-year Arizona Senator leaves behind wife, Cindy, and 7 children.John Sidney McCain III, 81, was the son and grandson of Navy admirals. He was born August 29, 1936.As a naval pilot, he narrowly escaped death in a fire aboard the USS Forrestal in 1967. Also in 1967, McCain's plane was shot down over Hanoi, and he was captured by North Vietnamese troops. He was tortured during more than five years as a prisoner of war.RELATED:?50 photos that capture John McCain's personalityCelebrity deaths of 2018: Remembering those we've lost this yearAfter retiring from the Navy in 1981, he moved in Arizona and ran for Congress, winning a U.S. House seat the following year.After two terms, he was elected to the U.S. Senate, succeeding Barry Goldwater, and served in the role until his death.McCain married Cindy Hensley, his second wife, in 1980. She is the daughter of an Arizona beer distributor.McCain is father to seven children, including Bridget, a daughter adopted from Bangladesh. Another daughter, Meghan McCain, is a television host on ABC’s The View.A low point in his political career came when McCain was implicated in the Keating Five campaign contribution scandal of the 1980s. The senator emerged with a new passion to reform money in politics. Called a maverick, he bucked his party as he worked with Democrats on campaign finance and other issues.McCain also campaigned for president in 2000 and 2008. In 2008, he won the Republican nomination with a surprising choice of running mate, then-Alaska Gov. Sarah Palin.After his second failed presidential bid, McCain continued as senator, assuming the role of an elder statesman. He visited troops overseas and dug into foreign policy. McCain, due to the lasting impacts of his torture as a POW, could not lift his arms above his head. He had other health scares, including bouts of skin cancer that left a large scar on his cheek. In July 2017, Sen. McCain was diagnosed with glioblastoma, the deadly brain cancer which took his life.Even in his waning days, McCain lived up to his reputation as a maverick. In August 2017, less than two weeks after surgery to remove his tumor, McCain returned to the U.S. Senate floor to become the deciding "no" vote on repealing Obamacare.Senator McCain had a joke he famously told throughout his life. Whenever he got upsetting news, he said he slept like a baby, explaining that he slept two hours, woke up and cried, then slept two more hours and did the same. It’s that wit that many of his closest friends say they’ll remember him by in the days ahead.No funeral arrangements have been announced, but in an interview with “60 Minutes”, Senator McCain recently said he wanted the ceremony to take place at the Naval Academy in Maryland.  2913

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