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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
As White House advisers and congressional leaders spar over the next round of stimulus funds, President Donald Trump said on Tuesday that he still has some issues with the Senate GOP's proposal released yesterday.On the mind of so many Americans are stimulus checks, unemployment and the return to school.But when asked specifically what he disagreed with, Trump punted. Despite a Trump administration push for the return of in-person learning, a number of school districts across the US have announced plans to begin the 2020-21 school year virtually. On Tuesday, Ohio’s largest district Columbus City Schools said they will start the year off virtually.Trump has said that federal funds should only go to schools that are open.Meanwhile, the next round of stimulus is being debated on Capitol Hill. While it appears there is agreement between the White House, House Democrats and Senate Republicans on providing a second round of ,200 checks for most Americans, there is intense debate on unemployment. Last week, millions of unemployed Americans stopped receiving a 0 weekly supplement to unemployment checks. Those checks were in addition to state unemployment payments.With those payments no longer being received by Americans, there are questions on the state of the economy given an unemployment rate of 11.1 percent – nearly three times higher than at the start of the year.HIGHLIGHTS OF THE ACT:- ,200 stimulus checks for the same group of Americans who received a check in the spring- 6 billion in funds for schools to hire staff and conduct social distancing- Replenishing the Paycheck Protection Program, intended to help businesses keep employees on payroll- Extending unemployment supplement, although at a lower amount- Liability protection for businesses reopening amid the pandemic 1816
BAKERSFIELD, California — A Kern County, California judge decided Thursday to set free a man who's been on death row for 26 years.Vicente Benavides, 68, was freed from San Quentin Prison Thursday afternoon.The judge said all Benavides' charges were changed to not guilty. His defense attorney told KERO television station that Benavides will not have to return to Kern County.On Tuesday, District Attorney Lisa Green made the announcement that her office would not file charges against Benavides, saying the case would be nearly impossible to retry in court. She said it would be very difficult to convince a jury beyond a reasonable doubt of Benavides' guilt.According to a decision released by the California Supreme Court last month, the convictions of Vicente Benavides in 1993 "were based on false evidence and that he received ineffective assistance of counsel."The decision also says that "false evidence was introduced at trial and that petitioner's convictions of substantive sexual offenses, special-circumstance findings, and judgment of death must be vacated."Benavides was convicted in 1993 of first-degree murder, rape, and other charges. He was sentenced to life. He was serving his term on death row in San Quentin. It was asked that his murder conviction be reduced to second-degree murder. That was also thrown out. The judgment has been vacated entirely. Benavides' defense attorney says his client's case is extremely rare, saying only two similar cases have occurred since the death penalty was reinstated in the 1970's.The California Supreme Court cited multiple doctors who evaluated 21-month-old Consuelo Verdugo in November 1991 when she died. The baby was taken from the Delano Regional Medical Center to Kern Medical Center then eventually the UCLA Medical Center where she died November 25, 1991.Multiple reports were made by doctors who said based on the inability to insert a catheter, bruising found near Consuelo's genitalia and other factors, they believed she had been sexually assaulted. 2101
As protests reached unprecedented levels on Wednesday, bolstered by professional athletes sitting out sporting events, Republicans offered a full-throated backing of police officers during Night 3 of the Republican National Convention.Featured on Wednesday, Michael McHale of the National Association of Police Organizations, went after the Biden campaign, who he claimed is “anti-police.”“I’m proud that the overwhelming majority of American police officers are the best of the best and put their lives on the line without hesitation. And good officers need to know their elected leaders and the department brass have their backs,” said McHale.Meanwhile, unrest unfolded in Kenosha, Wisconsin, following the shooting of Jacob Blake. Blake was shot seven times by Rusten Sheskey, a Kenosha Police officer who has since been placed on administrative leave.Investigators, speaking for the first time since Sunday's incident, declined to press charges on Wednesday against Sheskey despite the massive protests. Joining in the protests were athletes from the NBA, MLB and MLS, who took the unprecedented step to boycott playing as players demanded action against the officer who shot Blake. As the fourth night of demonstrations ensued in Kenosha, amid a summer of protests demanding changes to policing, Sen. Marsha Blackburn, R-Tenn., decried protests.“I'm talking about the heroes of our law enforcement and armed services. Leftists try to turn them into villains. They try to cancel them. But I'm here to tell you that these heroes can’t be canceled.,” Blackburn said.Mike Pence, accepting the GOP nomination for a second term as vice president Wednesday, tried to thread the needle between offering support for law enforcement while understanding the pain many Black Americans are experiencing. "We don’t have to choose between supporting law enforcement and standing with African American neighbors," Pence said.While Republicans multiple times claimed that Biden would defund policing, Biden has said he opposes defunding police departments. 2052
As officials try to put together a picture of the alleged synagogue shooter, one focus of the investigation is his social media postings, a federal law enforcement official told CNN. Here's what we know so far about the suspect Robert Bowers, 46:He allegedly made anti-Semitic statements after his arrestThe shooter made anti-Jewish comments during the incident, a law enforcement official told CNN. The shooting took place on the same day as Saturday Shabbat services. At the time of the shooting, three different congregations were holding services at the Tree of Life facility.In one post, he said he "can't sit by and watch my people get slaughtered" 662