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High school seniors who plan on taking a gap year this fall to wait out the pandemic could be paying for it for the rest of their lives.While a one-year wait might seem like the right decision for students who don’t want to study online or risk COVID-19 exposure, graduating a year later could cost ,000 in lifetime earnings. A new study from the Federal Reserve Bank of New York details how taking a gap year could put students behind their peers financially and create an insurmountable earnings gap.According to the study, a 22-year-old college graduate earns ,000 on average the first year out of college, and can expect to make ,000 the year they turn 25. By contrast, if a student takes a gap year and delays graduation, they can expect to earn ,000 by age 25 — ,000 less. That gap will perpetuate and compound for late graduates throughout their careers.“Being a year behind, these differences add up each and every year, so that those graduating later never catch up to those who graduated earlier,” researchers Jaison Abel and Richard Deitz write in the report. “Together, these costs add up to more than ,000 over one’s working life, which erodes the value of a college degree.”College might cost even moreCollege typically gets more expensive every year, but this year might be an exception. A few colleges are freezing tuition or offering discounts, and students might see their living expenses decrease. Federal student loan interest rates are at historic lows as well.But experts don’t expect those trends to continue past the health crisis. And missing school this fall means you don’t get to take advantage of lower college expenses.Irma Becerra, president of Marymount University in Virginia, says colleges have had to make major investments to prepare for instruction this fall. Her school plans a hybrid-flex model that will allow students to blend in-person and remote learning based on their needs and comfort level.“Every university that I know has had to incur significant expense to deal with safely reopening or keeping staff and faculty on payroll,” Becerra says.She adds that while colleges are sensitive to the ripple effects of the economic downturn, she expects them to raise tuition in the future unless the government increases investments in higher education. “I can only imagine that [colleges] will have to raise tuition because we’ve all had significant expenses.”Students who opt for a gap year may also have to face higher tuition with less aid. According to Lindsay Clark, director of external affairs at the student finance app Savi, “Taking a gap year and deferring admission could affect scholarships or financial aid offerings if they are not guaranteed for the next year.”Is a gap year still worth the risk?While experts agree that making ,000 less during your lifetime is significant, they advise students not to base their gap-year decision on that figure alone.Arun Ponnusamy, chief academic officer at the college admissions counseling company Collegewise, points out that the return on investment for college is still substantial — even with a gap-year pay dip.A college graduate will make roughly a million dollars more than a high school graduate, according to Ponnusamy. “So we are talking about, you will lose 9% of that by sitting out a year? It just doesn’t sound like that is the number you should use to choose whether or not you sit out.”Martin Van Der Werf, associate director of editorial and postsecondary policy at Georgetown University’s Center on Education and the Workforce, advises students to consider their motivations for going to college and evaluate any anxieties they might have.As the father of a rising college freshman, Van Der Werf knows firsthand the difficult choices and serious implications facing students. He says that students who are experiencing anxiety about the fall may be best served by taking off a semester or two — despite potential wage loss.“The worst thing that could happen is you start college, you don’t finish and you have all this debt,” Van Der Werf says when talking about the potential for some students to be unsuccessful with remote learning. “Then you don’t have a degree to pay off that debt.”He advises students to keep their options open and pay attention to their school’s reopening plans. “There are colleges who announced that they were coming back but are going online. If that makes you uncomfortable, you shouldn’t do it.”More From NerdWalletDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkStudent Loan Refi Rates Keep Dropping, Should You Take the Plunge?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4719

GLENDALE, Ariz. (AP) — The Arizona Coyotes have renounced their rights to their top 2020 draft pick after learning more about his bullying of a Black classmate four years ago.The team parted ways with Mitchell Miller after taking heat for selecting him in the fourth round earlier this month despite knowing of his 2016 assault conviction.Arizona acknowledged it knew about the incident when it selected Miller.President and CEO Xavier Gutierrez said discovering more about it, and the effect it had on bullying victim Isaiah Meyer-Crothers and his family led to this decision."We have decided to renounce the rights to Mitchell Miller, effective immediately," said Gutierrez in a press release. "Prior to selecting Mitchell in the NHL Draft, we were aware that a bullying incident took place in 2016. We do not condone this type of behavior but embraced this as a teachable moment to work with Mitchell to make him accountable for his actions and provide him with an opportunity to be a leader in anti-bullying and anti-racism efforts. We have learned more about the entire matter, and more importantly, the impact it has had on Isaiah and the Meyer-Crothers family. What we learned does not align with the core values and vision for our organization and leads to our decision to renounce our draft rights. On behalf of the Arizona Coyotes ownership and our entire organization, I would like to apologize to Isaiah and the Meyer-Crothers family. We are building a model franchise on and off the ice and will do the right thing for Isaiah and the Meyer-Crothers family, our fans, and our partners. Mr. Miller is now a free agent and can pursue his dream of becoming an NHL player elsewhere.The news comes after an extensive exposè of Miller's bullying Meyer-Crothers, who has developmental disabilities, back in Ohio, was published on Oct. 26 by the Arizona Republic.According to the Toledo Blade, Miller and another student were found delinquent on counts of assault and violating the Ohio Safe Schools Act.In court, Miller admitted that he and Hunter McKie made Meyer-Crothers "eat a candy push pop after wiping it in a bathroom urinal," the Toledo Blade reported back in 2016.Sylvania Schools suspended Miller after the incident.Miller becomes an NHL free agent effective immediately.According to ESPN, North Dakota head coach Brad Berry told the Grand Forks Herald that Miller was still part of their program. 2422

General Electric is looking to get out of the coal business.On Monday, the company announced that it won't be building any new coal-fueled power plants as they continue to "focus on and invest in its core renewable energy and power generation businesses.""With the continued transformation of GE, we are focused on power generation businesses that have attractive economics and a growth trajectory," Russell Stokes, GE Senior Vice President and President & CEO of GE Power Portfolio said in the news release. "As we pursue this exit from the new build coal power market, we will continue to support our customers, helping them to keep their existing plants running in a cost-effective and efficient way with best-in-class technology and service expertise."The company said the move could potentially lead to site closing, layoffs, and appropriate considerations for publicly held subsidiaries.GE says they aren't cutting off coal ties entirely as they service existing plants and build turbines for nuclear power plants. 1032

HAMILTON, Bermuda (AP) — A Pennsylvania college student who disappeared following a rugby tournament in Bermuda was found dead Monday after an intensive search of the British island territory.Searchers found the body of Mark Dombroski, 19, at the base of a colonial-era fort in a park not far from where he was last seen walking by himself on CCTV footage, officials with the Bermuda Police Service said at a news conference.A cause of death was not released but forensic experts were still processing the scene where his body was found and an autopsy was planned, said Acting Commissioner James Howard."Bermuda Police Service extends our heartfelt condolences to his family and friends," Howard said after a day of searching that included local authorities, volunteers and Dombroski's family.Dombroski was a member of the rugby team at Saint Joseph's University in Philadelphia and had come to Bermuda to compete in a tournament. He disappeared early Sunday, with video footage showing him walking alone and looking at his phone as he left a bar where his friends had gathered.He was found at the base of Fort Prospect in a wooded area known as the arboretum and near an athletic center where the team had played during the tournament.Dombroski's family rushed to the island to join the search and retrace his steps."We dearly love our son, we cherish our son. ... We want him back," his mother, Lisa Dombroski, said at a news conference with police officials. "We thank the citizens of Bermuda. People have been with us shoulder to shoulder throughout this ordeal."Detective Sgt. Jason Smith said there's no evidence Dombroski was drunk, or that alcohol played a role in his disappearance.Lisa Dombroski speculated her son, who had hurt his shoulder in a game that day and wasn't feeling well, had simply wanted to call it a night. She said the surveillance footage showed him favoring his arm."He wasn't in a celebratory kind of mood," Lisa Dombroski said. "He wanted to get back." 1992

FULTON, Mich. (AP) — A man serving a life sentence in the death of his estranged wife led authorities to where he buried her body in Michigan eight years ago in exchange for an Xbox, according to authorities.Doug Stewart, 29, will also be allowed to participate in some prison programs, the Sturgis Journal reported.On Monday, he took detectives to a wooded area in Kalamazoo County where he had buried Venus Stewart, 32. He'd left two stumps at the site as a landmark."I knew I couldn't forget where she was," he told WWMT-TV.Doug Stewart was living in Virginia when his estranged wife disappeared in April 2010 from her parents' home in Michigan. Venus Stewart had moved after accusing her husband of domestic violence and molesting their daughter, according to police reports.Doug Stewart was convicted of first-degree murder in 2011, based largely on the testimony of Ricky Spencer. Spencer told authorities that he had been persuaded to impersonate Doug Stewart while the man drove to Michigan.Authorities have been visiting with Stewart annually since his sentencing to try and get information about the body's location."The criminal portion has been closed. We just kept at it to help find closure for Venus' family," said Michigan State Police Detective Sgt. Todd Peterson.Stewart had long maintained that he hadn't been involved in the killing, but said things changed when his sister began to reconcile with his wife's family. He said he hopes to make amends with the family."I let them know I didn't want this burden on the family or even selfishly myself. I didn't want it anymore," he said. "It's a horrible pain knowing you're hurting people. Even beyond the crime you committed."Tests are being conducted on the remains, but authorities say they are confident they have found Venus Stewart. 1813