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An influx of college financial aid applications this year means that money could run out for students who don’t file early.Due to financial strain caused by COVID-19, nearly 40% of families that didn’t previously plan to apply for federal financial aid now expect to do so, according to a recently released survey from Discover Student Loans.The federal government, states, colleges and other organizations use the Free Application for Federal Student Aid, or FAFSA, to award financial aid. You must complete the FAFSA to be considered for financial aid.You have 21 months to submit the FAFSA for any given academic year. For the 2021-22 school year, the FAFSA opens Oct. 1, 2020, and closes June 30, 2022. But that doesn’t mean you should wait.“There is no downside to applying early, but a lot of risk in applying late,” says Manny Chagas, vice president and head of marketing and product at Discover Student Loans.Here’s why you should file the FAFSA now.Better shot at more free moneyThe sooner you submit the FAFSA, the greater your chances are of getting free aid you don’t have to repay, such as grants or scholarships.Federal Pell Grant money likely won’t run out, but other need-based aid, including that awarded through your school and state, is limited and awarded on a first-come, first-served basis. Jack Murphy, financial aid counselor at the University of Northern Iowa, named the Federal Supplemental Educational Opportunity Grant and his school’s tuition assistance grant as examples.The Federal Work-Study Program also has limited funds, so you’ll want to file the FAFSA early to take advantage of it.More time to appeal a financial aid decisionStudents and parents who are dissatisfied with their aid amounts or have a change in economic circumstances can appeal the financial aid award from their school. To do this, you need to petition your school with a financial aid appeal letter and provide evidence to support your need for more aid. If you wait too long, the aid money could run out.Those who file the FAFSA early are more likely to receive their school-based financial aid awards with their college acceptance letters. While your federal aid will be the same no matter where you attend college, you can send your FAFSA information to several schools to see which will give you the best school-based aid package. Doing so early will allow you to compare offers and appeal if necessary.If you apply for the FAFSA late, you not only risk a smaller award to begin with, but you also have less opportunity to “shop around” and submit a successful appeal letter.A quarter of parents surveyed by Discover Student Loans say they’ll appeal their financial aid decision because of previous award amounts and pandemic-induced changes in family finances. In speaking about the survey, Chagas emphasizes that there tends to be more money available early in the process, so students should make the FAFSA a priority.Murphy agrees. “Filing early makes sure you’re in the running to receive as many awards as possible,” he says. “We see students that get [aid] one year, but not the next.”They don’t lose out on aid because they no longer qualify, Murphy explains. They just waited too long.More From NerdWalletNerdWallet’s FAFSA GuideYour FAFSA Questions AnsweredWhat Are the FAFSA Requirements?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 3387

Andrew Miller, a former associate of longtime Donald Trump confidant Roger Stone, did not appear for a scheduled grand jury hearing on Friday, defying a subpoena from special counsel Robert Mueller, according to his attorney.Miller's attorney Paul Kamenar told CNN that they intend to appeal the order to appear before the grand jury, and he said the first step would be for him not to appear.In a closed hearing Friday in a Washington, DC, district court, Judge Beryl Howell found Miller in contempt and then stayed that ruling until this Monday to allow for an appeal to be filed. 590

Around 300 Pizza Hut restaurants are expected to permanently close following a bankruptcy filing of a large franchisee owner.NPC International filed for Chapter 11 in July. The company operates more than 1,220 Pizza Hut and 380 Wendy’s locations in 27 states.NPC announced an agreement with Pizza Hut’s corporate owner, Yum! Brands, to close roughly a quarter of their pizza restaurants, while looking for buyers for the others.There was no timeline or specific locations listed at this time, however in a statement to CNN, many of the restaurants slated to close “significantly underperform” compared to other Pizza Hut locations and have dining rooms. 661

An Ohio company that makes bulletproof backpack shields is experiencing an increase in demand for its product due to concerns over school shootings."We've had, I would say, a 100 to 200 percent increase certainly in response," said Matt White, the director of marketing for ShotStop Ballistics, based in Stow.The backpack inserts are one-quarter inch thick and weigh about a pound. It's made from the company's Duritium technology, which can block bullets from handguns and some rifles. However, it does not protect against high-caliber weapons, like AR-15s.The shields come in hard or soft designs and cost 0.White said more parents have been inquiring and ordering the insert following the Feb. 14 school shooting in Parkland, Florida. Demand also increased after a 13-year-old boy died after shooting himself inside a middle school restroom in nearby Jackson Township."The fact that you're even here and we're talking about it, it's terrible," White said. "It's not something that we ever envisioned. It's not something that we had planned for, but the potential with what's out there now, it's one more layer of safety."White said the bulletproof product was originally meant as a clipboard for police officers to provide added protection during traffic stops.Some believe sending kids off to school with the shield only creates more fear and anxiety."It's not right. I mean, come on," said Dave Spearing who has grandchildren in the nearby Cuyahoga Falls School District. "Schools are safe."But Kendall Kubus, a recent Akron Archbishop Hoban High School graduate, sees it differently."I think it's protecting us against if that is a scenario, we have that protection and parents have that in their mind that, "Okay, my child is there. They're going to be safer."' 1819

An 11-year-old elephant died at Reid Park Zoo in Tucson, Arizona on Tuesday.Punga, a male, died due to double mesenteric root torsion, also known as twisted gut.The condition is known to occur suddenly and is usually deadly. According to Reid Park Zoo veterinarian Alexis Moreno, torsions are more common in horses than in elephants. The cause is not known. Post-mortem tests could reveal the cause in several weeks. 429