Student Union
University Students Room in Chic Hotels, Apartments During Pandemic
Cristina Lozano, a junior at New York University (NYU), has been staying at the chic W New York Hotel, a 1911 beaux arts-style building that overlooks Union Square Park and offers a short walk to the Empire State Building.
The hotel is booked until next summer, when prices are advertised from the $400s to the $600s a night. For now, the place belongs to Lozano and others like her, who are living in single rooms that her university is using as campus housing during the COVID-19 pandemic.
“Living in the hotel is the exact same price as most of the dorms, which I find a bit weird because I don't have a kitchen and I am not getting many of the same amenities dorms have,” said Lozano. “If I wasn't on scholarship, I probably wouldn't want to pay to live in the hotel.”
Some students are living on-campus, others in off-campus apartments, some are sharing homes or hotels, and many have remained at home with their families during the pandemic, which has upended how students go to college and university in 2020.
Lozano was randomly assigned to the hotel after applying for on-campus housing earlier this year. A service comes every Tuesday to clean the bathrooms and bring clean sheets. Students receive a discount in the hotel restaurant, she said.
“The hotel has a huge lobby, but they closed off the sitting area because of COVID-19. They don't want people loitering in the hotel,” said Lozano. “There is hotel elevator music playing, which is funny, and very different from what you would experience in a dorm.”
On the weekends, the farmers market in Union Square brings a lot of foot traffic near the W, Lozano said.
Lozano, like other on-campus housing residents, is not allowed to have guests and is required to wear a mask at all times. She said she’s comfortable with her situation.
“I am happy, honestly, because I think you are in a different mindset if you are closer to school, even though I live in Manhattan,” said Lozano. “Once you are out of the house and in that college mindset, have your college routine and your college friends who are in your classes, I think you are more focused overall.”
Social life in New York City has changed dramatically because of COVID-19. To buy alcohol at a restaurant or bar, you have to order food, which has centered the social scene around going out to eat, Lozano said.
“In my immediate social group, a lot of my friends are off-campus in apartments, so they will invite people over,” she said. “But what used to be a group of 30 is now a group of five.”
A younger crowd of college students and people in their 20s can be seen out on the weekends, Lozano said.
“More so toward the East Village, you see people go to bars and restaurants later in the night to socialize,” she said. “In the street, you see people not wearing masks as much, but most people are wearing masks, and it seems like people really care about it here.”
NYU is among the universities that offer COVID-19 testing for students. Lozano has already been tested twice since returning to school about two weeks ago. NYU requires students living on campus or going to in-person classes to be tested weekly.
“I think the protocol is actually really admirable,” she said. “You go downstairs in your dorm and you pick up a saliva test, which is way easier to administer yourself, and you just have to return it back to the dorm before the deadline.”
Since Lozano is living at the W, she has to go to a neighboring dorm to pick up and drop off her tests.
Most of Lozano’s friends live within walking distance from her, although she occasionally will take public transportation to get around the city.
“I take the subway, but I definitely take it with caution,” she said. “The train can be really packed, as if nothing ever happened, especially during rush hours.”
While it's mandated by state law to wear a mask on the subway, Lozano said she doesn’t see that being enforced by authorities.
“That's one of my concerns about being on a train is if someone sitting across from you isn't wearing a mask, it's not like you're in a position to tell them to put their mask on,” she said.
While housing at the hotel is temporary for students at NYU, the university has not updated the students about when they will be moved out.
“The situation is really scary, but I feel pretty safe given what I am doing and the precautions I am taking,” said Lozano.
Off-campus housing
Students living in off-campus housing have expanded freedom while still living close to campus. Although, local jurisdictions have placed restrictions on the number of guests allowed in a residence due to COVID-19.
Despite these restrictions, off-campus housing can leave universities with little control over students' behavior and whereabouts.
Julia Seungyeon Han is an international student from Seoul, South Korea, studying to get her master’s degree in applied mathematics and statistics at the State University of New York-Stony Brook. She is living in a one-bedroom apartment off-campus.
Han made the decision to return to campus to take an in-person Real Analysis course at the university. Han was able to find her off-campus apartment through a friend.
“Exposure to COVID-19 is the greatest fear,” she said. “Since the school is reporting several positive cases, there is a risk of encountering positive ones whom I do not know and where they will appear.”
Han said she worries that if she got COVID-19, her student insurance would not provide adequate health care coverage. Also, she said if she left the U.S., her student visa status would become unstable, and getting back into the U.S. to go to school might become problematic.
Han stated that she notices most students at the university wearing masks at all times.
“It is not allowed to get into any of the buildings in school without wearing face masks,” she said. “There are a lot of signs and posters to let the students know that they should keep social distancing in all buildings, including libraries and lecture rooms.”
SUNY-Stony Brook offers free COVID-19 testing for students taking in person classes, according to Han. She said she doesn’t socialize with her friends in person while at school.
“I often go to the main library to study, but I don't go to school to interact with my friends,” said Han. “I spend time and socialize with my friends through online platforms, such as Facebook or Instagram.”
Sophia Michaelson, a junior at Syracuse University, is living off-campus in an apartment complex with two of her sorority sisters. Since moving into her apartment more than three weeks ago, Michaelson has already noticed several gatherings in the complex close to Syracuse’s main campus.
“I’ve noticed a lot of other apartments will have people over. Since many of those students are in Greek Life, sometimes the parties will get relatively large for how small the apartments are,” she said. “I feel like that definitely can't be safe in regard to COVID-19.”
Students often don’t wear masks in the apartment complex as the hallways are outdoors, Michaelson said.
Michaelson and her roommates signed their lease for the apartment back in October 2019, before the spread of the virus. While Michaelson is legally bound to her lease, there was a window before the start of the lease in August in which she could break her lease agreement for $500. She and her roommates decided to keep their lease despite COVID because of the freedom provided by living off-campus.
“I definitely am happy with this arrangement in a COVID-19 scenario, because we were considering living in our sorority house, and that would have limited our freedom to do stuff,” said Michaelson. “For example, we wouldn't have been able to have people over that didn't live there, but now I can see my friends to whatever extent I'm comfortable with.”
Living off-campus, Michaelson is allowed to use on-campus facilities with her student ID card, as long as she continues to update her COVID-19 status with the university. Like many universities, Syracuse offers a COVID-19 portal for students to upload their negative or positive test results, and it also provides contact tracing for students.
Kasey Borduas, a junior at the University of Maryland, was supposed to live in her sorority house — considered on-campus housing — but opted out at the last minute for fear UMD would send their students home mid-semester because of COVID-19.
Instead, she rented an apartment close to campus with three roommates.
“It was a financial sacrifice my family decided was worth it because if I didn’t pay for an apartment, I would have had to stay home for the semester,” said Borduas, from Madison, Connecticut.
While Borduas enjoys the freedom of living off-campus, she said she is cautious about the virus.
“I go out to dinner, but we follow the rules all the time and always have our masks on,” she said. “I'm trying to find a new normal as much as I can, but I feel like isolating myself completely would be sort of pointless.”
Borduas and her roommates live in an apartment building where she has noticed people wearing masks inside, but outside less so. Social scenes at UMD also have changed, according to Borduas. Bars at UMD now require everyone to stay seated.
“I have noticed loud music from some rooms, but we play loud music, too, and there are three people in our room,” she said. “I don't necessarily think people are throwing parties, I just think people are trying to have as much fun as they can.”
UMD requires students to self-report positive cases. Borduas and her roommates decided that if one of them tested positive for COVID-19, they would all quarantine together as an apartment.
Quarantining for many students living off-campus with roommates is a constant issue. UMD offers COVID-19 testing for students through their health center, and testing is a requirement for students to use on-campus facilities.
Uncertainty for college students continues as the fall semester commences. The University of North Carolina at Chapel Hill sent students home in August because of a large COVID-19 outbreak.
The University of Wisconsin Madison announced early in the semester it would quarantine two dorms on-campus and switch to remote learning for two weeks.
Sacred Heart University in Fairfield, Connecticut, recently banned off-campus students from campus indefinitely after 10 students living off-campus tested positive for COVID-19.
And despite the uncertainty, 76% of college students planned to return to campus this fall if given the option, according to a College Reaction poll taken in July.
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Want to work in the US as an international student? Know the rules
The Economic Times of India outlines the rules for working in the U.S. as an international student. "[N]avigating the complex regulations and visa restrictions is crucial for securing a work opportunity in the US as a student," the story says.
Read the full article here. (August 2024)
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Columbia U. news site offers tips for international students
Bwog, a student-run campus news site at Columbia University, has a guide for international students spending their first semester in the U.S.
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Expect some culture shock
Don't be afraid to ask for help
Stay in touch with people from home.
Read the full article here. (August 2024)
NCAA's $2.78 billion settlement with colleges to allow athlete payments gets preliminary approval
A judge granted preliminary approval Monday to the $2.78 billion legal settlement that would transform college sports by allowing schools to pay players.
U.S. District Judge Claudia Wilken released an order setting a timeline for a deal that would put millions of dollars into the pockets of college athletes, who can begin applying for payment on October 18.
A final hearing is set for April 7, 2025, the day of college basketball's national title game. If finalized, the deal would allow the biggest schools to establish a pool of about $21.5 million in the first year to distribute to athletes via a revenue-sharing plan. Athletes would still be able to cut name, image and likeness deals with outside groups.
"We are pleased that we are one step closer to a revolutionary change in college athletics that will allow billions in revenue sharing," said plaintiff attorney Steve Berman.
The judge's approval comes 11 days after attorneys tweaked wording in the original settlement agreement to address Wilken's concerns. The main change involved getting rid of the word "boosters" and replacing it with a better-defined description of whose potential NIL deals would be subject to oversight by a neutral arbitrator once the deal goes through.
That did not, however, strike to the heart of the settlement, which sets up a revenue-sharing arrangement between schools and the athletes. The $21.5 million figure comes from the 22% of average revenue that power conference schools generate through media rights, tickets and other sources. It will be recalculated periodically through the 10-year window that the agreement covers.
"We are thrilled by Judge Wilken's decision to give preliminary approval to the landmark settlement that will help bring stability and sustainability to college athletics while delivering increased benefits to student-athletes for years to come," NCAA President Charlie Baker said. "Today's progress is a significant step in writing the next chapter for the future of college sports."
This settlement also allows former players to apply for payments to make up for lost revenue they would have received through NIL deals that weren't allowed in college sports before 2021. It sets up a framework to regulate future NIL deals and replaces scholarship caps with "roster limits," which will grow to 105 for football, the biggest sport at most major universities.
This settlement resolves three major antitrust lawsuits filed against the NCAA, including one spearheaded by Grant House, a former swimmer at Arizona State University. Berman's law firm says the value of new payments and benefits to college athletes is expected to exceed $20 billion over 10 years.
Still unknown, however, is how long the terms of this deal will last. Litigation regarding the rights of players to unionize and potentially be considered employees remains unsettled. Meanwhile, the NCAA is pushing for federal legislation to knit together a streamlined policy for NIL, which is currently regulated by a patchwork of state laws, legal settlements and NCAA rules.
Grace period for US student loan payments is over. Here's what you need to know
The 12-month grace period for student loan borrowers ended on September 30. The "on-ramp" period helped borrowers who are struggling to make payments avoid the risk of defaulting and hurting their credit score.
"The end of the on-ramp period means the beginning of the potentially harsh consequences for student loan borrowers who are not able to make payments," said Persis Yu, Deputy Executive Director at the Student Borrower Protection Center.
Around 43 million Americans have student loan debt, amounting to $1.5 trillion. Around eight million of those borrowers had enrolled in the SAVE plan, the newest income-driven repayment plan that extended the eligibility for borrowers to have affordable monthly student loan payments. However, this plan is currently on hold due to legal challenges.
With the on-ramp period and a separate program known as Fresh Start ending and the SAVE plan on hold, student loan borrowers who are struggling to afford their monthly payments have fewer options, added Yu. Student loan borrowers who haven't been able to afford their monthly payments must consider their options to avoid going into default.
If you have student loans, here's what you need to know.
What was the on-ramp period?
The Education Department implemented this grace period to ease the borrower's transition to make payments after a three-year payment pause during the COVID-19 pandemic. During this year-long period, borrowers were encouraged to keep making payments since interest continued to accumulate.
"Normally, loans will default if you fall about nine months behind on making payments, but during this on-ramp period, missed payments would not move people towards defaulting and then being subject to forced collections. However, if you missed payments, you still be falling behind ultimately on repaying your loans," said Abby Shaforth, director of National Consumer Law Center's Student Loan Borrower Assistance Project.
Since this grace period has ended, student loan borrowers who don't make payments will go delinquent or, if their loans are not paid for nine months, go into default.
Borrowers who cannot afford to make payments can apply for deferment or forbearance, which pause payments, though interest continues to accrue.
What happens if I don't make my payments?
Borrowers who can't or don't pay risk delinquency and eventually default. That can badly hurt your credit rating and make you ineligible for additional aid and government benefits.
If a borrower missed one month's payment, they will start receiving email notifications, said Shaforth. Once the loan hasn't been paid for three months, loan servicers notify to the credit reporting agencies that the loan is delinquent, affecting your credit history. Once the borrower hasn't paid the loan for nine months, the loan goes into default.
If you're struggling to pay, advisers first encourage you to check if you qualify for an income-driven repayment plan, which determines your payments by looking at your expenses. You can see whether you qualify by visiting the Federal Student Aid website. If you've worked for a government agency or a non-profit organization, you could also be eligible for the Public Service Loan Forgiveness Program, which forgives student debt after 10 years.
What happens when a loan goes into default?
When you fall behind on a loan by 270 days — roughly nine months — the loan appears on your credit report as being in default.
Once a loan is in default, it goes into collections. This means the government can garnish wages (without a court order) to go towards paying back the loan, intercept tax refunds, and seize portions of Social Security checks and other benefit payments.
What if I can't pay?
If your budget doesn't allow you to resume payments, it's important to know how to navigate the possibility of default and delinquency on a student loan. Both can hurt your credit rating, which would make you ineligible for additional aid.
If you're in a short-term financial bind, you may qualify for deferment or forbearance — allowing you to temporarily suspend payment.
To determine whether deferment or forbearance are good options for you, you can contact your loan servicer. One thing to note: interest still accrues during deferment or forbearance. Both can also impact potential loan forgiveness options. Depending on the conditions of your deferment or forbearance, it may make sense to continue paying the interest during the payment suspension.
What is an income-driven repayment plan?
The U.S. Education Department offers several plans for repaying federal student loans. Under the standard plan, borrowers are charged a fixed monthly amount that ensures all their debt will be repaid after 10 years. But if borrowers have difficulty paying that amount, they can enroll in one of several plans that offer lower monthly payments based on income and family size. Those are known as income-driven repayment plans.
Income-driven options have been offered for years and generally cap monthly payments at 10% of a borrower's discretionary income. If a borrower's earnings are low enough, their bill is reduced to $0. And after 20 or 25 years, any remaining debt gets erased.
What is the latest with the SAVE program?
In August, the Supreme Court kept on hold the SAVE plan, the income-driven repayment plan that would have lowered payments for millions of borrowers, while lawsuits make their way through lower courts.
Eight million borrowers who had already enrolled in the SAVE plan don't have to pay their monthly student loan bills until the court case is resolved. Debt that already had been forgiven under the plan was unaffected.
The next court hearing about this case will be held on October 15.
What happened with the Fresh Start program?
The Fresh Start program, which gave benefits to borrowers who were delinquent prior to the pandemic payment pause, also closed on September 30. During this limited program, student loan borrowers who were in default prior to the pandemic were given the opportunity to remove their loans from default, allowing them to enroll in income-driven payment plans, or apply for deferment, among other benefits.