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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

ARLINGTON, Va. – The Transportation Security Administration (TSA) says it screened more travelers on the day before Thanksgiving than any day since March 16, around the time the COVID-19 pandemic hit the U.S.TSA spokesperson Lisa Farbstein announced on Twitter Thursday that the administration screened 1,070,967 people at its checkpoints nationwide on Wednesday.“It's the highest volume since March 16 and only the 4th time passenger throughput has topped 1 million since that date,” wrote Farbstein.Still, air travel is significantly down, compared to in 2019. Last year, TSA says 2,602,631 people were screened on Thanksgiving eve. That’s more than double the amount screened this year.As coronavirus cases spike throughout the country, the Centers for Disease Control and Prevention (CDC) is advising not to travel to visit loved ones this Thanksgiving. Officials want Americans to avoid spreading the coronavirus, especially to those most vulnerable, like the elderly.Instead, the CDC is suggesting that Americans should stay home and celebrate turkey day with the people they live with."Gatherings with family and friends who do not live with you can increase the chances of getting or spreading COVID-19 or the flu," the CDC says. 1245

Amid the COVID-19 pandemic, with millions of schoolchildren still learning remotely as the weather turns colder, some might benefit from a few investments in their at-home experience.The following items, all under , can help make distance learning more appealing to even the youngest learners.1. New background decorationsWhen your child is on screen all day, sprucing up their background with a wall decal or two can help keep them in school mode, especially when virtual backgrounds are prohibited by school systems. Consider shopping for a school-themed wall decal like crayons, pencils, numbers or books. A quick search on Amazon or Etsy pulls up dozens of choices for under .2. A clip-on selfie lightSmall selfie lights that attach to the side of a screen can help light up your child’s face and ensure the teacher can see them, too. This light is especially useful if your student is sitting in a dark room or has a light or window behind them. You’ll want to make sure it’s not too bright for their eyes, but selfie lights generally allow you to adjust the brightness.3. A paper plannerEven though distance learning largely takes place on a computer, it’s nice for kids to get some practice staying organized on paper. To keep track of homework assignments, due dates and even online classes, consider buying a small paper planner for your student. A pack of fine-tip colorful pens can also be a nice bonus.4. Online programs to boost learningAfter checking which free online programs are available through your child’s school, you might want to supplement your child’s learning with some relatively inexpensive academic games. Prodigy, a math game for students in grades one through eight, offers a free version and a premium version, which costs .95 a month (or less if you purchase a longer subscription). Scholastic offers a “Learn at Home” program that costs .99 a month. There are countless other options, so you might want to search online for educational games related to the subjects your child wants to practice.5. A stress ball to squeezeKids of all ages (and even some adults) can struggle with sitting still and remaining on video for class all day. If your child likes to fidget, you might want to consider buying a large stress ball for them to squeeze with their hands or feet off screen. It can help get out some of their energy so they can stay focused on class. If you search online for “giant stress ball,” you’ll find plenty of options for under .6. Blue-light glassesYou’ve probably heard about the blue light being emitted from computer screens that can irritate eyes and even keep you up at night. To protect your child’s eyes from that stress, or just to make a fashion statement, you might want to invest in some blue-light glasses. They filter out the blue light and also look pretty cool. While some are pricier, plenty of colorful kids’ models are available for or less.7. Fine-tip dry-erase markersTeachers often ask students to hold up their work on dry-erase boards or paper to help keep them on task. Using a fine-tip marker with an eraser tip can make it easier for small hands to fit more numbers or words on their dry-erase board; buying different colors can make it more fun, too. You can find multipacks for under online.8. Trifold poster boardIf your child is easily distracted or working in a room with other people — including other children attending school on different computers — then surrounding their front and side views with a trifold poster board can help them stay focused on class. They can even decorate the poster board with photos and drawings.9. Kid-size headphonesHeadphones can also help cut out distractions, and there are plenty of kids’ headphones on the market for under . If you’re willing to spend a few dollars more for wireless headphones, that can help reduce the temptation to fidget with the wires.More From NerdWalletNo Credit? 3 Steps to Qualify for a Great Credit Card3 Ways to Keep Your Distance With Contactless PaymentsIf Credit Card Relief’s a No-Go, Check Out Debt ManagementKimberly Palmer is a writer at NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer. 4190

As a massive caravan of migrants treks north, US officials have been negotiating with Mexico about how to handle the caravan should it reach the US border.Officials are weighing the legality of certain steps the Trump administration could take and looking at whether any processes could be changed to speed up the removal of migrants who have no legal basis to remain in the US, according to a senior Department of Homeland Security official.The official says the administration hasn't made any "firm decisions" about how to respond if the caravan reaches the border.Among the topics being discussed with Mexico is whether migrants from the caravan could be held there before entering an official port of entry, the DHS official said. The official said this is already being done to some extent, and described this as a more official process of what is known as "metering," when Customs and Border Protection officers keep immigrants in Mexico to limit the flow into the US. This process has been sharply criticized by advocates, who accuse officials of illegally trying to block immigrants from claiming asylum.A spokesperson for Customs and Border Protection referred all questions on the caravan to DHS.Additionally, the US is negotiating with Mexico about whether migrants from the caravan could be deported there, regardless of their country of origin. This process, known as "return to territory," which was included in President Donald Trump's January 2017 executive order on border security, isn't currently carried out by Immigration and Customs Enforcement, because Mexico would need to agree to take foreign nationals back."A lot of these (options) depend on cooperation and discussions with Mexico," the official said.There were 401 claims for asylum from the caravan that made its way to the US last spring, with 374 of those receiving "credible fear referrals," which is the initial screening to ensure a claim could have merit, according to Citizenship and Immigration Services data.ICE has been talking with contractors to discuss the possible need for additional detention capacity, according to the DHS official. ICE is also preparing for the possibility that it might need more officers at the border, the official said, stressing that while officials are preparing for various possibilities, they have not taken action.DHS has not responded to a request for comment on these policy considerations, but on Tuesday, DHS spokesperson Tyler Houlton tweeted that "stopping the caravan is not just about national security or preventing crime, it is also about national sovereignty and the rule of law. Those who seek to come to America must do so the right and legal way."On Tuesday, another senior administration official said the "administration wants the ability to return whole entire Central American families and also minors after apprehension."This official called the asylum system the "world's largest immigration loophole.""You simply come up to the border, you make a totally fraudulent assertion and it puts you into a legal system that takes more time to play out than we can detain you for, and so it becomes a ticket to catch and release," said the official on Tuesday. 3211

Anyone who plans to travel internationally should get tested for COVID-19 before and after their trip, according to new Centers for Disease Control and Prevention (CDC) recommendations.In addition, the CDC says anyone returning from international travel should isolate for at least seven days — even if they test negative for COVID-19 upon their return.Planning aheadIn the new guidance published to its website, the CDC recommends travelers plan ahead several weeks before travel. The CDC says to avoid high-risk activities like large social gatherings (parties, weddings, funerals, sporting events), indoor recreation (bars, restaurants, fitness centers) and taking public transportation for at least two weeks.As the travel date approaches, the CDC recommends receiving a test between one and three days before boarding an international flight — but also to make sure test results are available before the flight departs. If the test results aren't back in time, the CDC recommends delaying travel.The CDC stresses that anyone who tests positive for COVID-19 should not travel — anyone who tests positive should immediately isolate and follow public health recommendations.The CDC also says that anyone who tests negative should still wear a mask, maintain 6 feet of social distance and wash hands frequently while traveling."A negative test does not mean that you were not exposed or that you will not develop COVID-19," the CDC says on its website.Finally, travelers should carry a copy of their test results with them — officials in other countries may ask to see them.Upon ReturnUpon return to the U.S., travelers should get another COVID-19 test within three to five days upon return. Even if that test comes back negative, the CDC urges a full week of self-isolation."You may have been exposed to COVID-19 on your travels. You may feel well and not have any symptoms, but you can be contagious without symptoms and spread the virus to others. You and your travel companions (including children) pose a risk to your family, friends, and community for 14 days after you were exposed to the virus," the CDC writes on its website.Anyone who chooses not to get tested upon their return to the U.S. should stay home for 14 days.Places where it's safe to travelThe CDC's website also includes risk assessment maps to help travelers determine where COVID-19 is spreading. As of Wednesday morning, nearly every country around the world was listed as a Level 4 risk — the highest level listed by the CDC.Click here to see the CDC's risk assessment map. 2559