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Many colleges are welcoming students back for in-person learning and dormitory living this fall semester. Looming over everything: Campuses could shut back down at any time.With COVID-19 cases still high, many colleges are developing shutdown contingency plans alongside their reopening arrangements.At the same time, the pandemic is fueling new debate about whether colleges should charge the same tuition for online and in-person classes. Tuition typically covers the cost of instruction — salaries, software, labs and such — and that cost at many schools may have increased.The University of North Carolina Wilmington, as an exception, has a different cost structure for online, hybrid and in-person classes. Still, it announced that students won’t receive a tuition refund if in-person classes move online this fall. And, after the pivot from its sister school at Chapel Hill, it told students to prepare for a similar transition if cases rise.That leaves freshman Owen Palmer weighing the possibility that the education he is paying for may not be the one he gets. “I’m taking a risk because (the university) mentioned they can’t do refunds,” says Palmer. For him, the risk is worth it, but he does wonder what he’ll do if the campus has to close.Here’s what he and other students can expect as the fall shapes up.Don’t expect a break on tuitionSome schools have cut tuition. Hampton University is offering students a 15% discount, bringing undergraduate tuition to ,519. Other schools are offering additional scholarships and grants.But tuition decreases and additional aid aren’t the norm.“If I had to make bets, I would say a lot of colleges will be (freezing tuition) until they get a better sense of the economy,” says Arun Ponnusamy, chief academic officer at the college admissions and application counseling company Collegewise. “But there will be other colleges that say, ‘We need money to run this school.’”That may be happening already. George Mason University in Virginia approved a tuition increase of 0. The University of Michigan approved a 1.9% tuition increase. Both schools are planning a mix of online and in-person instruction.Meals and housing refunds likelyMany colleges aren’t publicizing their shutdown contingency plans — or how refunds will work. But students can look to how their school handled refunds in the spring to gauge how fall might play out.Florida Agricultural and Mechanical University gave refunds for on-campus housing and meal plans, says William Hudson Jr., the school’s vice president for student affairs. If the campus has to shut down this fall, Hudson says the refund structure “would probably be the same.”Other colleges also offered direct refunds for students. For example, Temple University automatically deposited partial refunds for room and board in students’ bank accounts. The University of North Carolina Wilmington gave prorated refunds for room and board.But some colleges opted for account credit instead.The University of Arkansas refunded about 20% of room and board costs to student accounts. They haven’t announced an official plan in case of a fall shutdown, but staff members expect it’ll be the same.The University of Alabama offered a prorated refund for room and board, and parking. Students could take a cash refund immediately or apply that amount and an extra 10% as an account credit for the fall.How can you prepare?If you’re planning to return to campus housing, contact your school and ask about its shutdown contingency plans. You’ll want to know what factors would cause it to shut down again. This could be a campus COVID-19 outbreak of a certain size, an increase in local cases or other factors.You can’t stop a campus shutdown, but if you know the metrics your school is looking at, you can anticipate it and react more confidently.Make backup plans for housing if your campus closes. Determine if you’ll go home, stay with a friend, get your own apartment or something else. Communicate your intentions with those you plan to stay with or scope out affordable apartments in advance. That way, if the campus shuts down suddenly, you know exactly where you’ll go.Ask your college about emergency funds and grants if a campus closure will cause you financial hardship. Many colleges have funds available for students.Plan how you’d use a refund. If your school offers a direct refund, consider whether you’ll need that money for living expenses. If you don’t need the money for living expenses, send the refund back to your student loan servicer. Doing so will keep your overall loan balance down and save you money in the long run.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisCollege During COVID-19: Your Aid Questions AnsweredStudent Loan Borrowers: Don’t Wait on Congress for More ReliefCecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4902

Mariah Carey says that for years she didn't want to believe her diagnosis, but now the superstar singer is proud to share.In a new People magazine cover story, Carey talks about having been diagnosed with bipolar disorder and where she is today."Until recently I lived in denial and isolation and in constant fear someone would expose me," she said. "It was too heavy a burden to carry and I simply couldn't do that anymore. I sought and received treatment, I put positive people around me and I got back to doing what I love -- writing songs and making music."The Mayo Clinic defines bipolar disorder as "a mental health condition that causes extreme mood swings that include emotional highs (mania or hypomania) and lows (depression)."Carey said she was first diagnosed in 2001 when she was hospitalized following a breakdown.She said she recently sought treatment after years of upheaval in her professional and personal life.Carey told the publication she is now in therapy and taking medication for bipolar II disorder, which involves periods of depression as well as hypomania.Her medication is working well, she said."It's not making me feel too tired or sluggish or anything like that," the singer said. "Finding the proper balance is what is most important."On Wednesday, Carey tweeted the cover image of her story in People."I'm grateful to be sharing this part of my journey with you," she wrote in the tweet.Carey, who is divorced from actor Nick Cannon and shares 6-year-old twins Monroe and Moroccan with him, said she decided to go public now because she's "just in a really good place right now, where I'm comfortable discussing my struggles with bipolar II disorder.""I'm hopeful we can get to a place where the stigma is lifted from people going through anything alone," Carey said. "It can be incredibly isolating. It does not have to define you and I refuse to allow it to define me or control me."  1932

Many voters have already cast their ballots, but that doesn't mean we'll know the election results right away. Experts say all of the ingredients are there for this election to be highly contested.“There are a lot of different reasons why the election may not be decided by the morning of November 4, and a lot of lawsuits may start to fly once that happens,” said Claire Finkelstein, law professor and director of the Center for Ethics and the Rule of Law at the University of Pennsylvania.With a record number of ballots coming in by mail, Finkelstein says the counting period will be lengthy.If a candidate declares victory on election night, but then more results come in, there could be calls for recounts, especially in states where the results are close. That could mean litigation over the counting procedures.Each states' elector will cast their vote on December 14. Then Congress meets on January 6 to count those votes and name the winner.If no candidate has a majority of the electoral votes, or if the counting period goes on and the election is still undecided, it is possible that the House of Representatives must decide.Finkelstein says that would be extraordinary and complicated.“It would likely be very contested as well, but one way or another by January 20, there needs to be a new president being sworn in,” said Finkelstein.The professor says this election is also entangled with the new Supreme Court justice.Like for Pennsylvania, which could now see a new decision on allowing mail-in ballots received up to three days after Election Day, the Supreme Court could also be involved in recounts, as happened in Florida in 2000. 1659

Making arts and culture a part of a person's medical treatment could help their long-term health, according to researchers at the University of the Arts in Helsinki, Finland.Researchers at the University say arts and culture in the country are a constitutional right, and that the arts contribute to the health and well-being and society beyond just treating disease and illness.Kai Lehikoinen, a member of the research team, says incorporating arts and culture in treatment allows medical professionals to use more of their own creativity and helps create a more open way of discussing things with a patient."The staff members in hospitals could actually take advantage of their already existing cultural competencies or artistic competencies and bring that into work every day," Lehikoinen said.Lehikoinen says his team developed an outline of more than a dozen recommendations for hospitals to include arts and culture. Some of those recommendations include developing a cultural well-being plan, making arts an culture a strategic core value, hiring a cultural welfare coordinator and keeping records of the cultural needs and wishes of patients."Participation in the arts can enhance the functional capacity of people," Lehikoinen said. "It can prevent loneliness and social exclusion, and has positive impacts on mental health."To describe how the arts can help people of all backgrounds Lehikoinen uses an example of elderly patients who take part in dance therapy. He says it gets them up and moving as much as their body will allow, stimulates their thinking and imagination and gives them a sense of social engagement. 1636

Michael Cohen, the former personal attorney for President Donald Trump who is now a key witness in special counsel Robert Mueller's Russia investigation, was under the impression Trump would offer him a pardon in exchange for staying on message in support of the President in discussions with federal prosecutors, according to two sources.After a?March 2018 visit to Mar-a-Lago, the President's private club in Florida, Cohen returned to New York believing that his former boss would protect him if he faced any charges for sticking to his story about the 2016 payments to adult film actress Stormy Daniels, according to one source with knowledge. Trump was also at Mar-a-Lago at the time of Cohen's visit.Another source said that after the April 2018 FBI raid on Cohen's office and home, people close to the President assured Cohen that Trump would take care of him. And Cohen believed that meant that the President would offer him a pardon if he stayed on message. It is unclear who specifically reached out to Cohen."The President of the United States never indicated anything to Michael, or anyone else, about getting a pardon," said Rudy Giuliani, the President's attorney. "Pardons are off the table, but it's not a limitation on his power in the future to pardon in any case."Cohen's lawyers could not be reached for comment.Following the raid on Cohen's home and office, Cohen's attorneys had a legal defense agreement with Trump and his attorneys. During this time, there was a steady flow of communication between the two sides, according to two sources familiar with the matter.At first, publicly, Trump seemed very supportive of his former attorney. On the day of the raid, Trump said Cohen was "a good man" and that the investigation reached "a whole new level of unfairness." He unloaded on law enforcement, calling the raids "a disgraceful situation."But in the days that followed the raid, one source says, things started heading south with the President.Trump started to distance himself from Cohen. And when Trump appeared on "Fox and Friends" two weeks after the raids and said that Cohen only did a "tiny, tiny little fraction" of his legal work, Cohen knew the game had changed. According to one source, Cohen knew that things had changed and he acted to protect his family -- and himself.It couldn't be learned whether Cohen shared this information with Mueller, though Cohen has spent more than 70 hours providing testimony over the last several months.These developments represent an extraordinary reversal of fortunes for Trump and Cohen, who once boasted he would "take a bullet" to protect his longtime boss. But since then, Cohen implicated Trump under oath in the illegal hush-money scheme with Daniels. If Cohen did share this information with Mueller's team, then it could be used as part of the obstruction of justice probe in determining whether the President was trying to illegally influence a witness in the investigation.Cohen pleaded guilty on Thursday to lying to Congress about the Russia investigation. Earlier this year, he pleaded guilty to eight criminal counts relating to the Daniels hush-money scheme and tax fraud from his personal business dealings. 3231

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