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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

An "all clear" has been given after a portion of the pre-security terminal at Nashville International Airport was evacuated due to a suspicious bag. Photos: Pre-Security Terminal Evacuated At BNAThe incident was reported before 8 a.m. local time on Wednesday, after a bomb sniffing dog hit on a suspicious package.The airport's bomb squad has responded in an abundance of caution.   415

Anti-Semitic incidents in the US surged nearly 60% in 2017, driven in part by an increase in such cases in schools and college campuses, a new report says.It's the largest single-year increase on record -- and every state reported at least one incident for the first time since at least 2010.In its annual audit, the Anti-Defamation League found 1,986 cases of harassment, vandalism or physical assaults against Jews and Jewish institutions last year.That's up from the 1,267 incidents reported in 2016.The reason 521

An investigation into what led up to an explosion that hurt officers and a hostage situation in North Haven continued on Thursday.State police said a man held his wife hostage inside of a home on Quinnipiac Avenue for several days.She escaped, but he barricaded himself inside a barn near a house on the property.That's when police said the explosion happened on Wednesday night.Eight officers were hurt and the suspect is not in custody. Police said they continue to search for him.The area surrounding the property has been blocked off by rows of cruisers. Quinnipiac Avenue is closed between McArthur Road and Pent Way.North Haven police said they first responded around 2 p.m. on Wednesday.A woman went to the North Haven Police Department with a complaint about an incident at the Quinnipiac Avenue home.Police said the woman had managed to escape after she was held hostage for three days by her husband.Troopers told Channel 3 that they determined a tactical response was necessary.A SWAT team was called in to help.While police and the SWAT team were negotiating with the man, state police said there was an explosion at a barn near the home.Flames were captured in video that was recorded at the scene.The last time the man was seen was when he was barricaded inside of the barn."The suspect is not in custody at this time," said trooper Kelly Grant, Connecticut State Police. "They are still attempting to locate that suspect. They have asked the residents right in this general vicinity to shelter in place while they conducted this investigation."The eight tactical officers who were hurt in the explosion were taken to Yale-New Haven Hospital.None of their injuries were life-threatening.State police have taken over the investigation.  1762

An alligator was spotted trying to climb the fence at Lely High School in Naples, Florida, Monday morning.Ray Simonsen, a.k.a "Ray the Trapper," was called in to get it.“Gators can climb. That’s why you can find them wherever, whenever," said Simonsen.Simonsen said he wasn’t surprised by what the gator was doing, but by how big it was.“I received a call that there was a 4-foot gator on property. I roll up and I get a big grin on my face, because that 4-foot was 7-foot 6-and-a-half-inch," said Simonsen.But that alligator Simonsen caught wasn’t the only one that got somewhere it didn’t belong on Monday. According to the Lee County Sheriff’s Office, deputies had to respond to the Estero Parc Apartments, because an alligator actually got inside the building.The sheriff’s office posted a picture to Facebook, saying people were in the elevator when the doors opened, and a small gator was there to greet them. 923

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