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Tuition bills are coming due, and while millions of students across the country are weighing the risks of going back to college in the middle of a pandemic, the most financially strapped students carry an added burden of dwindling aid.For Americans living in the lowest income brackets, college represents a way up the socioeconomic ladder. But getting there and obtaining a degree is not easy, especially for students without financial means. The Pell Grant has historically removed some of the obstacles for the most at-need students. But alongside the skyrocketing cost of higher education, the federal grant is having less and less of an impact.The Pell Grant is the largest source of postsecondary education grant aid, helping to fund higher education for at-need students since 1973. In its budget proposal for the 2020-21 school year, the U.S. Department of Education anticipated giving Pell Grants to 6.8 million at-need students, to the tune of .6 billion.How much each student qualifies for depends on their expected family contribution, or how much the federal government says they should be able to contribute toward their own education. Those with the most financial need could qualify for the maximum allowable grant amount: ,345 in the 2020-21 academic year.That authorized maximum amount has grown from ,400 in the Pell Grant’s early years. Despite this growth, it has failed to keep pace with the ballooning costs of a college education.In the past 20 years, average tuition and fees at public four-year institutions (the most affordable type conferring bachelor degrees) have more than doubled, to ,440, while maximum Pell Grant awards have only grown 29%. And tuition isn’t everything — room and board, books and living expenses come at an additional cost.As recently as 2002, the most at-need students would nearly be able to cover their entire tuition and fees at these lower-cost institutions by qualifying for the maximum Pell Grant. But now, those qualifying for maximum Pell awards would find it covers just 59%.Not only has the Pell Grant not kept pace with college costs, it hasn’t kept pace with inflation. To have the same buying power as ,400 did in the grant’s early days, the maximum award amount would need to be about ,000 today.Loans likely filling the funding gapAccording to data from the most recent National Postsecondary Student Aid Study, 90% of dependent full-time undergraduates from households in the lowest income quartile received a Pell Grant in 2016. Among independent undergraduates in that income bracket, 64% received the grant.State and institutional need-based grants may be picking up some of the slack. State need-based grants went to 27% of all full-time students at public four-year institutions in 2016. Need-based grants from institutions went to 17%. But some 57% of students in this lowest income group took out student loans that year.While the Pell Grant typically accounted for 34% of a low-income undergraduate’s total aid in 2016, loans accounted for 44%.Gone are the days when a student’s job (or jobs) could cover their college costs. When grants and scholarships — free money — aren’t enough to cover the costs of education, those from households without college savings have little choice but to turn to borrowing. But student loan debt can be detrimental to lower-income students. A degree can confer higher earning potential, but for a variety of reasons — some of them financial — students in the lowest income brackets are typically the least likely to graduate, according to data from the U.S. Department of Education.Low-income parents also feeling the stingWhen a dependent student has exhausted grants and federal loan limits themselves, they can tap their parents’ borrowing potential.Parent PLUS loans have been around since 1980, allowing parents to borrow up to the difference between the entire cost of attendance and the aid directly awarded to their student. Borrowers must pass a credit check, but there are no income requirements. As of the second quarter of 2020, these loans account for billion or over 6% of all federal student loans outstanding, according to the Department of Education.In 2016, 11% of dependent full-time students in the lowest income quartile at public four-year institutions benefited from federal parent PLUS loans, according to the NPSAS. That’s compared to just 3% in 1996. These loans typically amounted to ,500 in 2016.Federal PLUS loans come with higher interest rates and fewer repayment options than federal student loans. In the 2020-21 school year, PLUS loans are being offered at 5.3% interest compared with 2.75% for federal undergraduate loans. And should a parent run into difficulties repaying the loans — as they increasingly do, according to an analysis from the Brookings Institution — there is only one income-driven plan available. Income-Contingent Repayment plans lower monthly payments by capping them at a percentage of income, but increase the total amount paid over the life of the loan due to interest and an increased term length.What students can doBarring significant increases in need-based aid or significant decreases in college costs, lower-income students and their parents will often have to continue cobbling together their college funds from a variety of sources.The following tips are applicable for anyone who doesn’t have their entire cost of college covered:Maximize free money. Fill out the Free Application for Federal Student Aid, or FAFSA, on time — every year. It’s how you access federal, state and institutional financial aid. Apply for scholarships every year, and only turn to loans when free money is exhausted.Be strategic about borrowing. Borrow only what’s needed and opt for federal student loans whenever possible. Carefully weigh the risks of borrowing a parent PLUS loan versus a private student loan, should education expenses exceed what you can qualify for.Compare costs across institutions. Don’t commit too quickly — weigh all costs associated with attending various schools, and consider starting your college career at a lower-cost community college.Earn while you learn. Look into the work-study program or a part-time job to earn money while in school.Stay committed. Seek out resources on and off campus to stay engaged and enrolled. Leaving college without the increased earning power of a degree makes student loan debt that much harder to pay off.More From NerdWalletHow a Gap Year Might Haunt You FinanciallyDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkElizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6721

Two men attempting to get food samples at a Costco in South Carolina ended up fighting after one cut line in front of the other.The State news outlet in Columbia reports on July 26, a 70-year-old man was waiting in line for a free sample of cheese when the other man involved, who is 72 years old, cut in front of him, took a sample and walked away.It happened again when the 70-year-old man moved to a line for free samples of cheeseburgers. The 72-year-old man again cut the line in front of him. That's when things got heated, according to The State.The two men exchanged words, and the 72-year-old slapped the 70-year-old, according to witnesses and the police report that was filed. The 70-year-old's hat flew off his head.No arrests were made and police are reviewing surveillance video, The State reports. 830

US soccer star Hope Solo says former FIFA president Sepp Blatter grabbed her buttocks as they prepared to take the stage at an awards ceremony in 2013, the Portuguese newspaper Expresso reported.In an interview posted online, Solo was asked whether sexual harassment had been normalized."I had Sepp Blatter grab my ass," Solo said. "It was at the Ballon D'or one year, right before I went on stage. ... It's been normalized."The Ballon D'or is an annual award given to the best footballer in the world. Solo presented the FIFA's women's player of the year award in January 2013 and shared the stage with Blatter, who then was president of the world governing body of soccer.A spokesman for Blatter dismissed the allegation as "ridiculous" in a statement provided to British newspaper The Guardian and to Expresso.CNN has reached out to Blatter for comment and has not received a response. Hope Solo's representatives told CNN she doesn't want to talk to CNN about the incident.Blatter was FIFA president from 1998 until he resigned in 2015 after FIFA investigated him and other organization officials on bribery and corruption allegations. He was suspended from all football-related activities in September 2015.Solo, a goalkeeper, is one of the best-known American soccer players. She led the women's team to gold at the 2008 and 2012 Olympics and appeared on the television show "Dancing With the Stars."She also generates controversy. In 2016 the US Soccer Federation suspended her for six months after she described Swedish players as "a bunch of cowards" for what she viewed as their defensive tactics in the 2016 Rio Olympics.In 2014 she was arrested on domestic violence charges but the case was dropped the next year. 1733

UPDATE: San Diego Police said Zheng was found about 7:30 p.m. No details about the discovery were released.SAN DIEGO (KGTV) — Police are asking the public's help to find a man who disappeared from an assisted living facility Friday.Ying Wu Zheng, 84, was last seen at the senior assisted living facility at 1730 3rd Ave. just before 10:30 a.m. He was seen walking northbound on 3rd Ave., according to San Diego Police.Zheng reportedly has dementia and cannot care for himself. He uses a walker but left his home without it, police say. He doesn't have any cash or a phone, police added.He is described as a Asian man, 5-foot 6-inches tall, and weighing about 150 pounds. He has gray hair and brown eyes.Zheng was last seen wearing a white jacket, black pants, gray shoes, and a gray "Alaska" baseball hat. Police say he only speaks Mandarin.Anyone with information is asked to call SDPD at 619-531-2000. 911

TUCSON, Ariz. — With hospitals at capacity due to a surge in COVID-19 cases, an Arizona woman says her mother had to wait 13 hours in bed in a hallway while waiting for a room to open up.Sam Bero said her mother went to St. Joseph’s Hospital in Tempe last week after delaying care for an infection earlier this year.Bero said her mother's illness went from infection to kidney stones, and eventually turned into a larger medical issue.“It just ended up turning into a bigger problem than it should've been,” she said.The Center for Disease Control released a report in June that estimated that 41% of U.S. adults had avoided medical care because of COVID-19 concerns — included 12% who reported having avoided urgent or emergency care.Bero said her mother got to the hospital at 1 p.m. and wasn't given a room until 2:45 a.m.“They were triaging patients in the waiting room, so doing all the blood pressure, IVs and all in the waiting room,” Bero said. “And then, when she finally did get a bed, she was in a bed in the hallway for 13 hours.”On Tuesday, the Arizona Department of Health Services (ADHS) reported that there are 192 ICU beds available across Arizona and 1,093 inpatient beds available. ADHS is reported the highest number of inpatient COVID-19 patients in this new surge, with 2,084 people in their hospital metrics.COVID-19 patients in ICUs also are climbing with 474 people hospitalized — a similar number we saw right before a surge in cases this summer.Hospital leaders across Arizona say that the number of available beds can change throughout the day as the number of patients goes can change.A spokesperson for Carondelet Health Network — the company that operates St. Joseph's — said that while their hospitals continue to have the capacity to treat patients needing medical care, “like any hospital, the number of patients in-house can fluctuate daily.”Hospitals across Arizona are working to secure more staffing, as there is expected to be an increase in hospitalizations from COVID-19 in the coming weeks.“We commend our team of health care professionals who are working valiantly to ensure our preparedness as we continue caring for our community,” the Carondelet spokesperson said.Bero said her mother has since been released from the hospital, and she’s expected to be okay.“The poor nurses and doctors are so overworked,” she said.This story was originally published by Nicole Grigg on KNXV in Phoenix. 2441

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