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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

Mental health experts are concerned that people who are unemployed amid the COVID-19 pandemic may be experiencing more mental health issues.Art Goldsmith, a professor of economics at Washinton and Lee University, says that some people who don't have a financial buffer — particularly minorities or people who have young kids — might become more emotionally distressed by losing their job.Unemployed people are normally optimistic at first. But after five or six weeks, feelings of hopelessness or anxiety increase."That's when I would say the psychological distress really arise, and poor emotional well-being starts to become a footprint of that bout of unemployment," Goldsmith siad.According to Maria Heidkamp, the director of the New Start Career Network at Rutgers University, that's concerning because the number of people who have been unemployed long-term has ballooned during the pandemic. She says that combing the stress of the health emergency with the pressure of being unemployed compounds an already difficult process."Your self-esteem can take a beating if you apply for jobs and get a series of rejections, and you don't know why. Or maybe you don't hear anything." Heidkamp said. "Even pre-pandemic, we know how stressful it is. "Heidkamp says that unemployed people should break up their job search and related goals into small, manageable steps. She suggests re-doing resumes or building an online presence in small chunks.She also suggests finding activities that reduce stress during unemployment and searching for part-time work while continuing to look for full-time employment.New Start Career Network is also partnering with the Mental Health Association of New Jersey to offer online health and wellness workshops. 1749

LOUISVILLE, Ky. (AP) — Rapper and businessman Master P will pay for the funeral of a 3-year-old Kentucky girl who was fatally shot along with her father.The Jefferson County coroner's office says Trinity Randolph and her 21-year-old father, Brandon Waddles, died of multiple gunshot wounds Friday in Louisville.A coroner's statement lists the deaths as homicides.Police have released no information on details of the shooting or information on possible suspects.The Courier Journal reports the girl’s grandfather said Trinity was playing in her “Frozen” dollhouse at her home when she was shot.Percy Miller, also known as Master P, says he'll cover the girl’s funeral costs. 682

MIAMI — All of South Florida is now in the cone of concern for Hurricane Eta, which hammered Nicaragua on Tuesday.According to the 4 a.m. ET update from the National Hurricane Center, Eta is packing maximum sustained winds of 60 mph.The NHC said Eta will rapidly weaken as the storm moves farther inland over Nicaragua and Honduras.The forecasts project the storm will curve and emerge over the northwestern Caribbean Sea on Thursday night or Friday. Once it does, forecasters said it could re-strengthen into a tropical storm.By Sunday at 7 p.m., the center of Eta will be just south of Florida with maximum sustained winds of 60 mph.According to meteorologists for Scripps station WPTV in Palm Beach, Florida project that there will be a higher confidence on Friday for the potential impacts in South Florida."Computer models are in fairly good agreement, but the timing is different," said WPTV chief meteorologist Steve Weagle said. "Some are much faster, bringing the rainfall in on Friday. Others a lot slower, bringing it in on Saturday."At that point, Weagle said the forecast is calling for tropical storm conditions over the weekend with heavy rain and gusty winds.Weagle said rain bands will likely arrive later on Friday, loosely tied to Eta and a weak front over Cuba. Heavy rain squalls and possible tropical storm conditions are in the forecast for Saturday and Sunday."It'll likely be a very sloppy, disorganized weather system as it moves through," Weagle said. "Soggy weekend on the way."This story was originally published by Steve Weagle and Kahtia Hall on WPTV in Palm Beach, Florida. 1613

MEXICO CITY (AP) — The nine women and children killed by cartel gunmen in northern Mexico lived in a farming community known as La Mora, where experts say residents identify as Mormons but consider themselves independent and separate from The Church of Jesus Christ of Latter-day Saints.The community's roots lie in the church's banning of polygamy in the late 19th century, when families established colonies in remote northern Mexico to continue the practice.Cristina Rosetti is an expert in Mormon fundamentalist groups and said Tuesday that today some La Mora residents still practice polygamy while others do not. Residents believe in the main Mormonism tenants, but there is little organized religious practice.RELATED: 9 Mormon women and children were shot and 'burned alive' in an ambush near the US-Mexico borderGunmen killed three women and six children traveling in three vehicles from La Mora on Monday.The victims were U.S. citizens. 954