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As colleges figure out how to structure classes this fall, many students are questioning whether to enroll at all. The idea of taking a gap year might sound enticing, but returning students should think twice.Many colleges have official gap year or deferred enrollment policies for incoming freshmen. But returning students who choose to take time off and re-enroll once the uncertainties of the COVID-19 pandemic have passed aren’t “gappers.” They’re “stopouts,” and they face risks that don’t come with a traditional gap year.The president and founder of The Institute of Student Loan Advisors, Betsy Mayotte, explains that colleges have individual leave of absence and withdrawal policies for students who want to take time off. Students who don’t follow those rules might end up with unexpected debt and be blocked from accessing their academic transcripts.“I see a lot of students that just stop going to school and don’t understand why they’re being charged,” says Mayotte.Taking a break from college this fall could derail your overall educational and financial goals. Here’s why you should stay enrolled.You might have to reapply to get back inUnless the college makes concessions, students without an approved leave of absence are at the mercy of the readmission policy to determine if they can return. Even with an approved leave of absence, you can miss only 180 days in a 12-month period, according to the Department of Education’s Code of Federal Regulations.Schools also don’t have to readmit students who take time off unofficially. For example, University of Arizona’s Graduate college usually requires a new application, application fee and a minimum 3.0 GPA on all previous coursework at the university before readmission.But University of Arizona Graduate College Dean, Andrew Carnie, says the college is making exceptions for students during the COVID-19 pandemic.“We are being very flexible with students who want to take off the fall,” says Carnie. “Students can take a leave of absence and we are approving leaves of absence retroactively. These are extraordinary circumstances.”Communicating with your college and knowing their COVID-19 plans and policies is key. “Students have to weigh their options and look at what’s going on with their university,” says Kenneth Stephens, director of the Department of Human Services for Florida’s Southeastern University. He notes that while his school has systems in place for students dealing with the COVID-19 crisis, others are still trying to figure it out.Some colleges allow students without a leave of absence to re-enroll after two years off with no hassle. But others, like the University of Miami or East Carolina University, require students to submit an application for readmission and pay a fee after missing only one semester of school.You might have to make student loan paymentsIf you have student loans, taking time off could trigger repayment to begin. Contact your student loan servicer or lender to find out their policy.All federal student loans are in an administrative forbearance through Sept. 30, due to a provision in the federal government’s coronavirus relief package. So until then, you don’t have to worry about your loans gaining interest or going into repayment.But if you plan on missing the school year, you will exhaust that window and payments will begin after your six-month grace period ends. While there is speculation that the forbearance could be extended, nothing has been announced.Federal student loans only get one grace period, so if you use it now you won’t have it available after you graduate, says Mayotte.The coronavirus relief package forbearance doesn’t apply to private student loans. If you decide to stopout due to COVID-19, your private loans might enter the grace period and then head into repayment. And not all private lenders allow academic deferments for students who return to school, so you could be on the hook for loan payments even when you return to full-time student status.You might not find stable workStudents planning to work full time must contend with the highest unemployment rate since the Great Depression. The coronavirus remains a threat, and a second wave could cause more shutdowns, which might make finding and keeping a job even harder.“I’ve had students who mentioned stopping-out, and I told them they should really think about that,” says Sharon Taylor, director of academic advising and professional enhancement at Virginia State University. “The first thing they say is they will work, and I ask them to look at how many people are out of work right now.”Taylor advises students to continue school if they can afford it and says, “It’s better to wait out the pandemic in school than out of school.”If you want to minimize coronavirus-related uncertainties with your school, there are options other than withdrawing completely.Take a half-time schedule: Students can take fewer classes and still maintain some of their financial aid benefits while making progress toward graduation. Not all students are comfortable with online learning. Taking fewer classes will give you more flexibility in case your school shuts down early to go online.Take online classes at a community college: If you need to complete general education requirements, you may be able to do them online at a local community college. That way you can save money on tuition, avoid the unknowns with in-person classes and complete graduation requirements. Before taking community college classes, check with your school to make sure the classes will transfer and that you are in compliance with your school’s dual enrollment policies.Take an official leave of absence: If you decide not to take classes this fall, work with your school to take an official leave of absence. Communicate with your college to let them know why you want to take time off and when you plan to return. Make sure you ask questions about financial aid implications and try to work out exceptions to get more favorable terms with your school and loan servicer. If you have private loans, contact your lender to discuss your leave of absence and ask questions about how it will affect your loan’s status.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow to Get Student Loan Relief During the Pandemic and BeyondStill Undecided About College This Fall? Know These Four OptionsWhat Is a Student Loan Grace Period?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 6549

American Airlines says employees can wear pins supporting Black Lives Matter. The airline is calling it a matter of equality, not politics. With the decision, Texas-based American joins Starbucks, Delta Air Lines and other major companies that let employees show support for the movement that protests police violence against Blacks. Starbucks let employees wear Black Lives Matter shirts after initially reportedly banning them.President Donald Trump has urged supporters to boycott Goodyear Tire and Rubber Co. after a report that it approve Black Lives Matter clothing but not pro-police Blue Lives Matter or Trump’s campaign slogan. The tire company CEO later clarified that clothing supporting law enforcement is allowed, but not attire supporting political candidates. 782

An I-95 driver escaped serious harm Tuesday after a hunk of metal crashed through his windshield about a mile south of Woolbright Road. "He is lucky to be alive," DBFR Battalion Chief Todd Lynch said. The man had minor injuries from the shattered glass. FHP is investigating. pic.twitter.com/kijx27RfrA— Delray Beach Fire Rescue (@DelrayBeachFire) October 13, 2020 372

Amy Andrle and her husband grow and sell recreational marijuana at their Denver dispensary L'Eagle."We're a true mom-and-pop shop,” Andrle says. “We have everything riding on this."This year, Colorado marijuana sales already passed billion. But it’s a valuable industry that comes with a lot of rules. "On any given day, you could be subject to people stopping in to see how you're conducting your business," the owner says.State and local governments keep a close eye on the industry. As it evolves, the regulations constantly change. With marijuana on ballots again in the upcoming election, Andrle hopes the "green rush" that hit Colorado continues to spread. “I think there's going to be an anti-federal prohibition at some point,” Andrle says. “I think consumers deserve that. They all should have a right to the same medicine if you look at it from a strict medicinal standpoint there are so many benefits that come to it. Why shouldn't every state have that?"Michigan and North Dakota are voting whether or not to legalize it in the upcoming election. Recreational use is already legal in nine states, as well as in Washington D.C. 1169

ANCHORAGE, Alaska (AP) — Back-to-back earthquakes measuring 7.0 and 5.7 rocked buildings and shattered roads Friday morning in Anchorage, sending people running into the streets and briefly triggering a warning to residents in Kodiak to flee to higher ground for fear of a tsunami.The warning was lifted without incident a short time later. There were no immediate reports of any deaths or serious injuries.The U.S. Geological Survey said the first and more powerful quake was centered about 7 miles (12 kilometers) north of Anchorage, Alaska's largest city, with a population of about 300,000. People ran from their offices or took cover under desks. A large section of road near the Anchorage airport collapsed, marooning a car on a narrow island of pavement surrounded by deep chasms in the concrete. Several cars crashed at a major intersection in Wasilla, north of Anchorage, during the shaking.Link to KTVU's Facebook LiveAnchorage Police Chief Justin Doll said he had been told that parts of the Glenn Highway, a scenic route that runs northeast out of the city past farms, mountains and glaciers, had "completely disappeared."The quake broke store windows, opened cracks in a two-story building downtown, disrupted electrical service and disabled traffic lights, snarling traffic. It also threw a full-grown man out of his bathtub.All flights were halted at the airport after the quake knocked out telephones and forced the evacuation of the control tower, and the 800-mile Alaska oil pipeline was shut down while crews were sent to inspect it for damage.Anchorage's school system canceled classes and asked parents to pick up their children while it examined buildings for gas leaks or other damage.Jonathan Lettow was waiting with his 5-year-old daughter and other children for the school bus near their home in Wasilla when the quake struck. The children got on the ground while Lettow tried to keep them calm."It's one of those things where in your head, you think, 'OK, it's going to stop,' and you say that to yourself so many times in your head that finally you think, 'OK, maybe this isn't going to stop,'" he said.Soon after the shaking stopped, the school bus pulled up and the children boarded, but the driver stopped at a bridge and refused to go across because of deep cracks in the road, Lettow said.Former Alaska Gov. Sarah Palin tweeted that her home was damaged: "Our family is intact — house is not. I imagine that's the case for many, many others."Officials opened an Anchorage convention center as an emergency shelter. Gov. Bill Walker issued a disaster declaration.Cereal boxes and packages of batteries littered the floor of a grocery store, and picture frames and mirrors were knocked from living room walls.People went back inside after the first earthquake struck, but the 5.7 aftershock about five minutes later sent them running back into the streets. A series of smaller aftershocks followed.A tsunami warning was issued along Alaska's southern coast. Police in Kodiak, a city of 6,100 people on Kodiak Island, 250 miles (400 kilometers) south of Anchorage), warned residents to evacuate to higher ground immediately because a wave could hit within about 10 minutes.Michael Burgy, a senior technician with the National Tsunami Warning Center in Palmer, Alaska, said the warning was automatically generated based on the quake's size and proximity to shore. Scientists monitored gauges to see if the quake generated big waves. Because there were none, they canceled the warning.In Kenai, southwest of Anchorage, Brandon Slaton was alone at home and soaking in the bathtub when the earthquake struck. Slaton, who weighs 209 pounds, said it created a powerful back-and-forth sloshing in the bath, and before he knew it, he was thrown out of the tub by the waves.His 120-pound mastiff panicked and tried to run down the stairs, but the house was swaying so much that the dog was thrown off its feet and into a wall and tumbled to the base of the stairs, Slaton said.Slaton ran into his son's room after the shaking stopped and found his fish tank shattered and the fish on the floor, gasping for breath. He grabbed it and put it in another bowl."It was anarchy," he said. "There's no pictures left on the walls, there's no power, there's no fish tank left. Everything that's not tied down is broke."Alaska averages 40,000 earthquakes per year, with more large quakes than the 49 other states combined. Southern Alaska has a high risk of earthquakes because the Earth's plates slide past each other under the region.Alaska has been hit by a number of powerful quakes over 7.0 magnitude in recent decades, including a 7.9 that hit last January southeast of Kodiak Island. But it is rare for a quake this big to strike so close such a heavily populated area.David Harper was getting some coffee at a store when the low rumble began and intensified into something that sounded "like the building was just going to fall apart." Harper ran to the exit with other patrons."The main thought that was going through my head as I was trying to get out the door was, 'I want this to stop,'" he said. Harper said the quake was "significant enough that the people who were outside were actively hugging each other. You could tell that it was a bad one."On March 27, 1964, Alaska was hit by a 9.2 earthquake, the strongest recorded in U.S. history, centered about 75 miles (120 kilometers) east of Anchorage. The quake, which lasted about 4? minutes, and the tsunami it triggered claimed about 130 lives. 5529

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