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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 irate homeowner in Louisiana who armed himself with a handgun and chased down a group of teenagers after they rolled his house is behind bars for aggravated assault.The armed confrontation came in response to what Mandeville Police Chief Gerald Sticker said was the group of teens “yearly ritual of ‘rolling or toilet papering’ of homes of fellow students” in the early morning hours of October 27.Craig Scott apparently didn’t think it was funny.Scott armed himself with a semiautomatic handgun and chased down the group of teens, according to Sticker.After he caught up to the group in another section of the neighborhood, Scott pulled his vehicle across the road to block their exit, got out, and confronted the teens with his handgun.Scott was arrested on November 2 and charged with aggravated assault with a firearm and obstruction of a roadway.“Though he had ample opportunity, Mr. Scott never once called 911 or requested police assistance,” Sticker said. “The end clearly did not justify the means this situation.”The teens still may face charges, since “rolling” a house is technically considered criminal mischief, according to Sticker. 1163

As a result of the pandemic, telehealth is a more common way to see your doctor. It's not easy to adjust to a virtual bedside manner, which is why a former news reporter is launching "Webside Manner" for doctors to learn what is not taught in medical school.Twenty years ago, Mark Bernheimer was on camera, reporting daily events for stations in Los Angeles and CNN. When he got out of news, he decided he could use his skills to teach others.“How to be comfortable doing news interviews, how to be comfortable giving speeches on stages and things like that,” Bernheimer said.When the pandemic hit and everyone's audience became virtual, he had to pivot his business "MediaWorks Resource Group."“I started helping my clients figure out how they could do it more efficiently, more professionally, how to do news interviews through Zoom, how to hold webinars and Q and A session through Zoom,” Bernheimer said.And then one day, he said, his medical colleagues asked for help with telehealth.“Doctors don’t get formal training or any training in set design or video production,” Bernheimer said. “This is not what they get out of medical school, they may be excellent doctors and scientists but when it comes time to deliver health care in this forum, they need some help."Things like making eye contact through the computer camera, technical quality, lighting, and where the device is physically placed were all important things that Dr. Bob Murry, a family physician in New Jersey, says could use some work, even though we're almost seven months in to the pandemic.“As this is becoming more routine. Folks do need to up their game a little bit and learn more about how to best use the technology,” Dr. Murry, who is also the chief medical informatics officer for NextGen Healthcare, said.“I had never done a video visit before coronavirus. We didn’t realize how powerful that medium can be. You can really connect with your patients and be really intimate with them and have almost everything that you have in a real person visit,” Dr. Murry added.Now, Dr. Murry says, the way doctors come across needs to be thought out, too, in addition to the actual medical care and advice.“So much of medicine is really talking to your patients from the patient's standpoint. They want to tell their story and get an answer or make sure it's not something to be concerned with and from the physician's standpoint, it's that story which is so important in medicine and that story can happen over video,” Dr. Murry said.“These are people, who don’t forget, who are probably sick to begin with or worried to begin with,” Bernheimer said. “Now they’re anxious; now they’re nervous because they don’t want to be on camera any more than the doctor does. So the doctor or health care provider has to take special precautions into account before conducting those kinds of visits.”Bernheimer is working with NexGen to officially launch "Webside Manner" in November, and says things like body language, tone of voice, and facial expressions are all things that need to be considered during telehealth. He admits they can be challenging visits for all involved.“I spent 16 years looking into a camera as a TV news reporter. It was much easier for me to learn how to look directly into the lens of a TV camera than it has been for me to get used to looking into that tiny spec on the top of the laptop lid, so if it's hard for me, I can only imagine what other health care providers must be experiencing,” said Bernheimer.But, it's a necessary medium, as we're all becoming dependent and quite comfortable with doing everything from our home devices. 3633

An altercation between two families at a toddler's birthday party in Texas led to a shooting that left four men dead and one injured, authorities said.Police responded to reports of a shooting at a 1-year-old's party in Taft on Saturday, said Sgt. Nathan Brandley of the Texas Department of Public Safety.Police are looking for two suspects they believe were involved in the shooting, he added. 402

As coronavirus cases surge throughout the US, there is an apparent strain on labs conducting tests.Quest Diagnostics said on Tuesday that it is processing 50% more tests per week than at the end of September. This has caused a slight delay in priority tests for high-risk patients and essential workers.“We will continue to expand our physical capacity, with the addition of new testing instruments and related equipment,” Quest said. “We also intend to expand our lab referral partner program. And we will continue to strive to provide the fastest testing for priority patients, which includes those who are hospitalized, pre-surgical or receiving care in congregate settings, such as nursing homes.”LabCorp says it is still processing coronavirus tests in one to two days. The company is conducting 210,000 coronavirus tests per day, but has the capacity to do 300,000 a day.With Thanksgiving just a week away, there is concern that the holiday will cause increased testing demand. In addition, a number of states are requiring visitors to get tested upon entering the state."We are concerned about Thanksgiving," Brett Giroir, the assistant secretary for health at the U.S. Department of Health and Human Services, told ABC News. "In terms of post-Thanksgiving surges and testing, we really are going to create as many tests as possible, of as high quality as possible. Get them to as many people as possible."Massachusetts Gov. Charlie Baker said he is concerned that the holiday in part is responsible for the surge in testing from people planning to travel this Thanksgiving.“It’s pretty clear, based on those lines, that a lot of people are going to travel over the holidays,” Baker said. “And there’s not much, at this point, that we can do other than say we think that’s not a great idea.” 1806

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