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Michael Cohen said in court Wednesday that he had been living in a "personal and mental incarceration" under President Donald Trump and that his prison sentence would, ironically, help him get back his freedom.That's particularly true if he goes to a certain minimum-security prison not far from the city.In federal court on Wednesday, US District Judge William Pauley agreed to recommend that Cohen serve his 36-month prison sentence at FCI Otisville, about 70 miles northwest of New York City.FCI Otisville has sometimes been viewed as a preferable prison option for inmates convicted of white-collar crimes. In 2009, Forbes named it one of "America's 10 cushiest prisons."Despite the judge's recommendation, the decision as to where Cohen will spend time is ultimately up to the Bureau of Prisons, which has sole responsibility for determining where offenders spend their prison sentences.The decisions are made at the Designation and Sentence Computation Center in Texas. The DSCC attempts to send inmates to prisons within a 500-mile radius of their residence, which for Cohen is in New York. However, the decision also is made using a series of criteria, such as security needs, medical needs, availability of counseling services, and bed space.Bureau of Prison data shows the bureau complies with 74% of judicial recommendations, wholly or in part, according to an analysis of the DSCC published in Criminal Justice magazine in 2016.  1454

MIAMI, Fla. – Norwegian Cruise Line announced Tuesday that it would be keeping its ships docked even longer amid ongoing COVID-19 concerns.The cruise line said it’s extending the suspension of its 2020 cruises to include all sailing through August 31, all sailing in September except Seattle-based Alaska Cruises, and select October sailing.The select October cruises include two trips to Alaska, as well as two trips to Canada and New England.The company is offering guests who had an active reservation on a suspended cruise a refund of their cruise fare in the form of a future cruise credit (FCC) for 125% of the amount paid to date on June 25.The FCC must be used one year from the date issued for any Norwegian Cruise Line voyage embarking through 2022, according to the company.Norwegian says guests who prefer to not take advantage of an FCC can elect to receive a lesser refund equal to the amount paid to date to the original form of payment 90 days after form submission for sailings originally scheduled to embark anytime from July 1 onward.For suspended cruises that were set to embark between July 1 and July 31, this form must be submitted not later than 11:59 p.m. ET on June 19, 2020. For later cruises, a refund form will go live at 9 a.m. ET on July 6 and it must be submitted no later than 11:59 p.m. ET on July 17. 1343

Many colleges are welcoming students back for in-person learning and dormitory living this fall semester. Looming over everything: Campuses could shut back down at any time.With COVID-19 cases still high, many colleges are developing shutdown contingency plans alongside their reopening arrangements.At the same time, the pandemic is fueling new debate about whether colleges should charge the same tuition for online and in-person classes. Tuition typically covers the cost of instruction — salaries, software, labs and such — and that cost at many schools may have increased.The University of North Carolina Wilmington, as an exception, has a different cost structure for online, hybrid and in-person classes. Still, it announced that students won’t receive a tuition refund if in-person classes move online this fall. And, after the pivot from its sister school at Chapel Hill, it told students to prepare for a similar transition if cases rise.That leaves freshman Owen Palmer weighing the possibility that the education he is paying for may not be the one he gets. “I’m taking a risk because (the university) mentioned they can’t do refunds,” says Palmer. For him, the risk is worth it, but he does wonder what he’ll do if the campus has to close.Here’s what he and other students can expect as the fall shapes up.Don’t expect a break on tuitionSome schools have cut tuition. Hampton University is offering students a 15% discount, bringing undergraduate tuition to ,519. Other schools are offering additional scholarships and grants.But tuition decreases and additional aid aren’t the norm.“If I had to make bets, I would say a lot of colleges will be (freezing tuition) until they get a better sense of the economy,” says Arun Ponnusamy, chief academic officer at the college admissions and application counseling company Collegewise. “But there will be other colleges that say, ‘We need money to run this school.’”That may be happening already. George Mason University in Virginia approved a tuition increase of 0. The University of Michigan approved a 1.9% tuition increase. Both schools are planning a mix of online and in-person instruction.Meals and housing refunds likelyMany colleges aren’t publicizing their shutdown contingency plans — or how refunds will work. But students can look to how their school handled refunds in the spring to gauge how fall might play out.Florida Agricultural and Mechanical University gave refunds for on-campus housing and meal plans, says William Hudson Jr., the school’s vice president for student affairs. If the campus has to shut down this fall, Hudson says the refund structure “would probably be the same.”Other colleges also offered direct refunds for students. For example, Temple University automatically deposited partial refunds for room and board in students’ bank accounts. The University of North Carolina Wilmington gave prorated refunds for room and board.But some colleges opted for account credit instead.The University of Arkansas refunded about 20% of room and board costs to student accounts. They haven’t announced an official plan in case of a fall shutdown, but staff members expect it’ll be the same.The University of Alabama offered a prorated refund for room and board, and parking. Students could take a cash refund immediately or apply that amount and an extra 10% as an account credit for the fall.How can you prepare?If you’re planning to return to campus housing, contact your school and ask about its shutdown contingency plans. You’ll want to know what factors would cause it to shut down again. This could be a campus COVID-19 outbreak of a certain size, an increase in local cases or other factors.You can’t stop a campus shutdown, but if you know the metrics your school is looking at, you can anticipate it and react more confidently.Make backup plans for housing if your campus closes. Determine if you’ll go home, stay with a friend, get your own apartment or something else. Communicate your intentions with those you plan to stay with or scope out affordable apartments in advance. That way, if the campus shuts down suddenly, you know exactly where you’ll go.Ask your college about emergency funds and grants if a campus closure will cause you financial hardship. Many colleges have funds available for students.Plan how you’d use a refund. If your school offers a direct refund, consider whether you’ll need that money for living expenses. If you don’t need the money for living expenses, send the refund back to your student loan servicer. Doing so will keep your overall loan balance down and save you money in the long run.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisCollege During COVID-19: Your Aid Questions AnsweredStudent Loan Borrowers: Don’t Wait on Congress for More ReliefCecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4902

Mexico Beach, Florida, is not just destroyed. For the most part, it's not there anymore.From a helicopter, you can see many of the homes and hotels that populated this beachside town of about 1,200 are gone. A few houses and other structures remain standing, but they're the exceptions.Hurricane Michael's wind and storm surge ripped up buildings like posies and carried them inland. Where homes once stood, offering premium views of the Gulf of Mexico, a few boards lay scattered across foundations.PHOTOS: Hurricane Michael destructionCars, mattresses, grills and toilets were tossed all over town. An entire house was thrown 100 yards down the beach, landing on its side."We had furniture in our house that wasn't even ours," Scott Boutwell said, explaining that when he returned to his home Thursday the only belongings he could find was a briefcase. 862

MIAMI, Florida — On paper, the 40-foot wide pedestrian bridge on Florida International University's campus was an engineering feat, boasting several superlatives.Here are some, as outlined by the university: 215

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