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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

Authorities are using the recent arrest of a registered sex offender as a reminder for parents to monitor their children’s candy this Halloween season.Detectives with the Santa Barbara County Special Investigations Bureau and the Cannabis Compliance Team pulled over a driver Wednesday afternoon in Santa Maria, California.The driver was identified as Christian Sandez of Santa Maria. The Santa Barbara County Sheriff’s Office says inside his van they found “a large amount of packaged cannabis infused candy, processed cannabis flower, concentrated cannabis and cannabis vape products, which he possessed for the purpose of sales.”The 28-year-old, who is on active parole, does not have a California Bureau of Cannabis Control retail or sales license, according to the sheriff’s office.Sandez was arrested on suspicion of possession of marijuana, which is a felony, and booked into the Santa Barbara County Jail where he is being held without bail for violating his parole, the sheriff’s office says.The sheriff’s office says cannabis-infused products “are intentionally packaged to resemble normal candy and can easily be mistaken” and they are encouraging parents to monitor their children’s candy, especially around Halloween.This story originally reported on KSBY.com. 1282

Authorities say a U.S. Navy training plane traveling from Florida has crashed in an Alabama residential neighborhood near the Gulf Coast, killing both people in the plane. Navy spokesman Zach Harrell says both people in the T-6B Texan II training plane died Friday. No injuries were reported on the ground. Foley Fire Chief Joey Darby told news outlets that responders encountered and extinguished a “large volume of fire” that had engulfed a home and cars. The crash occurred near the city of Foley and the town of Magnolia Springs. A Navy spokeswoman says the plane had flown out of Naval Air Station Whiting Field, about 30 miles northeast of Pensacola. 664

As the wildfire raged nearby, Whitney Vaughan and her husband had just enough time to grab a laundry basket of dirty clothes and some pictures before fleeing their home in Paradise, California.Vaughan could hear screams and explosions nearby Thursday as she and her husband got in their car and drove away. But they soon found themselves trapped with other evacuees in standstill traffic.The Camp Fire was closing in."The flames were whipping and spreading so fast," Vaughan told CNN. "It began to jump the road. There wasn't anywhere to go."People began to panic, Vaughan said. In the chaos, one driver backed up and slammed the front of Vaughan's SUV. 661

ATLANTA, Ga. -- Even though Georgia didn't swing overwhelmingly blue, Democratic voters are hopeful the purple state is becoming more progressive.Pastor John Elmore's 10-year-old daughter isn’t old enough to vote, but this election has his fifth grader engaging in politics more than he ever expected.It's a trend he's noticed across his entire community. People are calling for unity and hope."That we as a people, no matter who's in office, will do our part to bring about a change," said Elmore, pastor of the 3D Church and a community activist.Change is something his family is witnessing firsthand. They’re in Georgia, one of the most contentious states of the 2020 election."I'm very proud to see Georgia purple," said Elmore.Elmore, his family and fellow voting activist Toccaro Combs held an Election Night watch party at their church. They were hoping to see Georgia swing blue by a landslide, but instead were left with sharply divided results for days."You could see it as division, but you can also see it as growth. I see an opportunity for a new nation, a new look, a new energy, the spirit behind the people of this nation, so I see it as opportunity," said Elmore.Elmore and Combs teamed up this year to build that opportunity for change."We have registered thousands, and hundreds of thousands, of new voters that have activated their voices, and to see Georgia be purple, I'm not surprised. I am just excited," said Combs.Tocarro said the excitement after this election is so different from four years ago. "The day after Election Day in 2016, I woke up and I was horrified. I didn't know, especially as a Black woman in this country, what it looked like for me under an administration that was opposite of my values, and I refused to wake up feeling that way this time around, no matter how the results came out," said Combs.This election saw record turnout for African American voters in Georgia, a success Elmore and Combs believe started from the ground up."We have good community leaders that are fighting hard daily, often to make sure that everyone has a fair opportunity. Yes, suppression is still real. It's still prevalent, it still exists, but I am proud to see that there's starting to be some balance, some awareness, being brought to it, and at this point, I could see the light at the end of the tunnel," said Elmore.The slow and steady fight to get people involved in elections exploded this year, a change Elmore is grateful to be part of."I've noticed people more in tune to politics, people that never cared before, so I think it's brought an awakening to the community."It’s these conversations, and the neighborhood movements, energizing communities of color to fight beyond party lines, beyond state lines, for a country where all voices are heard."It's my hope that change is now, and is happening, and is forever going to keep progressing," said Elmore."Together we are the United States of America, does not matter who you voted for. We are responsible and accountable for each other," said Combs. 3048

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