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Tuition bills are coming due, and while millions of students across the country are weighing the risks of going back to college in the middle of a pandemic, the most financially strapped students carry an added burden of dwindling aid.For Americans living in the lowest income brackets, college represents a way up the socioeconomic ladder. But getting there and obtaining a degree is not easy, especially for students without financial means. The Pell Grant has historically removed some of the obstacles for the most at-need students. But alongside the skyrocketing cost of higher education, the federal grant is having less and less of an impact.The Pell Grant is the largest source of postsecondary education grant aid, helping to fund higher education for at-need students since 1973. In its budget proposal for the 2020-21 school year, the U.S. Department of Education anticipated giving Pell Grants to 6.8 million at-need students, to the tune of .6 billion.How much each student qualifies for depends on their expected family contribution, or how much the federal government says they should be able to contribute toward their own education. Those with the most financial need could qualify for the maximum allowable grant amount: ,345 in the 2020-21 academic year.That authorized maximum amount has grown from ,400 in the Pell Grant’s early years. Despite this growth, it has failed to keep pace with the ballooning costs of a college education.In the past 20 years, average tuition and fees at public four-year institutions (the most affordable type conferring bachelor degrees) have more than doubled, to ,440, while maximum Pell Grant awards have only grown 29%. And tuition isn’t everything — room and board, books and living expenses come at an additional cost.As recently as 2002, the most at-need students would nearly be able to cover their entire tuition and fees at these lower-cost institutions by qualifying for the maximum Pell Grant. But now, those qualifying for maximum Pell awards would find it covers just 59%.Not only has the Pell Grant not kept pace with college costs, it hasn’t kept pace with inflation. To have the same buying power as ,400 did in the grant’s early days, the maximum award amount would need to be about ,000 today.Loans likely filling the funding gapAccording to data from the most recent National Postsecondary Student Aid Study, 90% of dependent full-time undergraduates from households in the lowest income quartile received a Pell Grant in 2016. Among independent undergraduates in that income bracket, 64% received the grant.State and institutional need-based grants may be picking up some of the slack. State need-based grants went to 27% of all full-time students at public four-year institutions in 2016. Need-based grants from institutions went to 17%. But some 57% of students in this lowest income group took out student loans that year.While the Pell Grant typically accounted for 34% of a low-income undergraduate’s total aid in 2016, loans accounted for 44%.Gone are the days when a student’s job (or jobs) could cover their college costs. When grants and scholarships — free money — aren’t enough to cover the costs of education, those from households without college savings have little choice but to turn to borrowing. But student loan debt can be detrimental to lower-income students. A degree can confer higher earning potential, but for a variety of reasons — some of them financial — students in the lowest income brackets are typically the least likely to graduate, according to data from the U.S. Department of Education.Low-income parents also feeling the stingWhen a dependent student has exhausted grants and federal loan limits themselves, they can tap their parents’ borrowing potential.Parent PLUS loans have been around since 1980, allowing parents to borrow up to the difference between the entire cost of attendance and the aid directly awarded to their student. Borrowers must pass a credit check, but there are no income requirements. As of the second quarter of 2020, these loans account for billion or over 6% of all federal student loans outstanding, according to the Department of Education.In 2016, 11% of dependent full-time students in the lowest income quartile at public four-year institutions benefited from federal parent PLUS loans, according to the NPSAS. That’s compared to just 3% in 1996. These loans typically amounted to ,500 in 2016.Federal PLUS loans come with higher interest rates and fewer repayment options than federal student loans. In the 2020-21 school year, PLUS loans are being offered at 5.3% interest compared with 2.75% for federal undergraduate loans. And should a parent run into difficulties repaying the loans — as they increasingly do, according to an analysis from the Brookings Institution — there is only one income-driven plan available. Income-Contingent Repayment plans lower monthly payments by capping them at a percentage of income, but increase the total amount paid over the life of the loan due to interest and an increased term length.What students can doBarring significant increases in need-based aid or significant decreases in college costs, lower-income students and their parents will often have to continue cobbling together their college funds from a variety of sources.The following tips are applicable for anyone who doesn’t have their entire cost of college covered:Maximize free money. Fill out the Free Application for Federal Student Aid, or FAFSA, on time — every year. It’s how you access federal, state and institutional financial aid. Apply for scholarships every year, and only turn to loans when free money is exhausted.Be strategic about borrowing. Borrow only what’s needed and opt for federal student loans whenever possible. Carefully weigh the risks of borrowing a parent PLUS loan versus a private student loan, should education expenses exceed what you can qualify for.Compare costs across institutions. Don’t commit too quickly — weigh all costs associated with attending various schools, and consider starting your college career at a lower-cost community college.Earn while you learn. Look into the work-study program or a part-time job to earn money while in school.Stay committed. Seek out resources on and off campus to stay engaged and enrolled. Leaving college without the increased earning power of a degree makes student loan debt that much harder to pay off.More From NerdWalletHow a Gap Year Might Haunt You FinanciallyDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkElizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6721

TULSA, Okla. — A Tulsa police major is suing several media companies for publishing comments he made in a radio interview in June.Major Travis Yates has filed a lawsuit against Comcast, Gannett, Public Radio Tulsa, Gatehouse Media and others, saying their reports portrayed him in a "false light."During a June appearance on Talk Radio 1170 with host Pat Campbell, Yates said data shows systemic racism "doesn't exist" and "all the research says we're shooting African Americans about 24% less than we ought to be based on the crimes being committed."In the days following his comments, the Tulsa Police Department opened an investigation into Yates, and Tulsa Mayor G.T. Bynum called on Yates to apologize.Yates later claimed his comments were taken out of context, particularly in the headlines of some media reports. During the interview, Campbell reminded listeners, multiple times, Yates was not speaking on TPD's behalf, but as a private citizen.Click here to view the lawsuit."We have confidence in and stand by our reporting. Otherwise we do not comment on ongoing litigation," Public Radio Tulsa General Manager Rich Fisher said in a statement.This story was originally published by KJRH in Tulsa, Oklahoma. 1224

UPDATE (10:23 a.m.): San Diego Sheriff's Department says Cannon returned safely to his residence at about 9:30 a.m. Saturday.LAKESIDE, Calif. (KGTV) — An East County diagnosed with early dementia disappeared from his home late Friday, sheriff's deputies say.William Cannon, 84, was last seen Friday at about 9 p.m. driving away from his home in a white Toyota Prius. According to Cannon's son, he has been diagnosed with early stages of dementia.Cannon is described as a Caucasian male, standing about 5-foot 10-inches, weighing 150 pounds, with grey hair, and blue eyes. He was last seen wearing a black baseball hat with the letters "SR71", a beige or white windbreaker jacket, blue jeans, and tennis shoes.His Toyota has the California license plate 7TJT465.Anyone with information is asked to call the San Diego Sheriff's Department at 858-565-5200. 861

Two teens in Florida tried to steal a car at a sports complex as a team of Clearwater police officers played softball, according to the Clearwater Police Department."They had no idea that basically the entire team out there was comprised of Clearwater police officers," said Sgt. Thomas Dawe.The incident happened on Monday evening at the Eddie C. Moore Softball Complex in Clearwater.The group of police officers was playing their second softball game of the evening. They were the only group playing softball and noticed the two teens walking around."Normally, there are not many fans due to COVID...They kind of seemed out of place. They weren't watching the game. They were just kind of lingering around so most of us took note of their behavior to start," said Sgt. Dawe.Clearwater Police said a 16-year-old girl stole a set of keys belonging to an umpire. The keys were placed on a table. The two teens took off running out of the sports complex.When the scorekeeper realized what happened, she yelled at the umpire who was out in the field.Sgt. Thomas Dawe, Cpl. Jarred Stiff and Officer Matthew Richmond chased after the two teens."It's just unfortunate that kids were trying to do what they did in order to get down to south St. Pete. There are other opportunities, other avenues to get places rather than taking those steps to commit a crime," said Cpl. Jarred Stiff.The police officers called for backup since they did not have handcuffs on them.The two suspects were charged with attempted grand theft of a motor vehicle. Both have been in trouble with the law before."Unfortunately, we were not able to win the game, but at least we were able to catch a couple of kids doing a bad thing," said Cpl. Stiff.WFTS' Julie Salomone first reported this story. 1773

TVs steal the Black Friday spotlight year after year, for good reason: Electronics retailers, big-box stores and wholesale clubs all cut prices on TVs of different brands, sizes and resolutions. In the past, retailers often reserved the biggest deals for in-store shoppers. But with the pandemic still going on, there’s a good chance you’ll see more online doorbusters than ever this year.Many TV bargains kick off at specific times or will be available in limited quantities, so you’ll have a better shot at them if you act fast. Check out our deal breakdown below.What are the best Black Friday TV deals in 2020?Retailers’ Black Friday TV deals are starting to land. Here are some of our top picks:Amazon is advertising discounts on select Samsung and Sony TVs, plus up to 25% savings on TVs 75 inches and larger.Best Buy’s sale will include a 70-inch Samsung 4K Smart TV for 9.99 (0 savings). This deal is only in stores, beginning Sunday, Nov. 22.Best Buy is also shaving 0 off the Insignia 50-inch Class LED 4K UHD Smart Fire TV Edition TV (on sale for 9.99, regularly 9.99). The TV will be available in limited supply starting Nov. 26 online.Costco’s sale features several TVs, including a Samsung 70-inch Class Q6DT Series 4K UHD QLED LCD TV for 9.99. It comes with a Allstate Protection Plan bundle and a six-month Showtime credit. The deal is available online and in stores through Nov. 30.Dell is selling a 65-inch LG OLED 4K Smart Ultra HDTV for ,999 (0 savings).Target has a 65-inch TCL 4K UHD HDR Smart Android TV in limited quantities for 9.99 (regularly 9.99). The sale starts Nov. 22 online and in stores.Target also has a 65-inch Sony UHD HDR Smart Android TV for 9.99 (regularly 9.99). Shoppers can get a Target gift card free with the purchase.Walmart is offering a Vizio 70-inch Class 4K UHD TV for 8, online only in limited numbers. The deal launches Wednesday, Nov. 25 at 7 p.m. ET.What were the best Black Friday TV deals in 2019?In 2019, as in past years, you could find TVs on sale almost anywhere you looked. But major Black Friday players like Target and Best Buy lived up to their reputations, serving up supreme savings.Best Buy’s sale included the Insignia 58-inch 4K UHD HDR LED smart TV with Fire TV and Amazon Echo Dot for 9.99 (0 off).Dell offered a Vizio 65-inch 4K UHD HDR smart TV for 9.99 (0 off), plus a Dell eGift card. The doorbuster deal started Nov. 28 at 11 p.m. ET.Target sold a 50-inch Westinghouse Roku 4K HDR UHD smart TV for 9.99 (0 off, in-store only).How to decide if it’s worth itIf you need a TV upgrade, now might be the time to act, especially if you’re expecting to hunker down indoors this winter.However, Black Friday isn’t the only opportune time to buy a TV. Discounts are also common in January and February — close to the Super Bowl — and around the time new models hit shelves, which is usually in spring.How to budget for a TVBefore you drop several hundred dollars on a new TV, decide how much you can comfortably afford to spend on Black Friday purchases. You can use a budget calculator as a guide for distributing your monthly income toward different expense categories.More From NerdWalletApple Watch Black Friday 2020 Deals: Are They Worth It?Do These Things to Keep Your Holiday Packages SafeHow to Get the Best Amazon Black Friday 2020 DealsLauren Schwahn is a writer at NerdWallet. Email: lschwahn@nerdwallet.com. Twitter: @lauren_schwahn. 3488