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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

Lyft, one of the largest ride-sharing apps on the market, is offering some select riders the chance to join all-you-can ride subscription services.“We’re always testing new ways to provide passengers the most affordable and flexible transportation options,” a Lyft spokesperson told The Verge. “For the past few months, we’ve been testing a variety of All-Access Plans for Lyft passengers.”On Friday morning social media users began sharing screen shots of their invites on Friday morning.The offers vary from user to user, but the most common plan being offered costs 0 a month. In exchange, the riders receive 30 free rides. Others received invites to pay 0 for 60 free rides. In all cases, "free" meant rides of or less. It's not clear how rides of more than would be covered under the subscription.  830

Mark Zuckerberg survived his first grilling by Congress. Now he's undergoing round two.The Facebook CEO is testifying Wednesday before the House Energy and Commerce Committee, his second and final hearing this week in the wake of the Cambridge Analytica data scandal.Zuckerberg repeated an apology offered in the previous hearing that Facebook made a "big mistake" by not taking "a broad enough view" of its responsibility. 431

MEXICO CITY (AP) - A magnitude 5.9 earthquake shook the southern Mexican state of Oaxaca on Monday, days after a more powerful temblor hit the same area. 161

LOUISVILLE, Colo. — It's been five months since Jonas Asner's last trip home to Colorado. This visit has an important purpose."I had to fly home to vote," Asner said.Asner's parents, Chris and Lisa Hall, sent his ballot to North Carolina on Oct. 14, where Jonas goes to school. His father, Chris Hall, purchased priority mail through USPS. The ballot was supposed to arrive in two to three days. However, the deadline kept creeping closer and closer with no sign of the envelope.Fearing it wouldn't show up on time, the family was determined to get his vote in."It just became very clear that there was only one way our child was going to be able to vote and that is if you came here to vote," said Asner's mother, Lisa Hall.Asner flew from North Carolina to Colorado Sunday night, voted Monday, and flew fly back Tuesday morning."It was definitely cool to vote in my first presidential elections as a milestone in my life," Asner said.Asner says his parents emphasized the importance of voting."To be able to have a voice in my country is really important to me," Asner said.Editor's note: This story was produced with the help of tips reported through ProPublica's Electionland project. If you experience or witness a problem voting, please let us know.This story was first reported by Gary Brode at KMGH in Denver, Colorado. 1335

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