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A Closer Look: Your (online) life after death

BARBARA ORTUTAY
AP Technology Writer

NEW YORK (AP) — Sure, you have a lot to do today — laundry, bills, dinner — but it’s never too early to start planning for your digital afterlife, the fate of your numerous online accounts once you shed this mortal coil.

Facebook, Google, Twitter and other sites have different policies on dealing with dead users. Some states are also considering laws that would automatically give loved ones access to, though not control of, their dead relative’s digital accounts, unless otherwise specified.

Unless you take action, you might not like the outcome: Would you want to give your spouse automatic access to your email correspondences? Should parents automatically be able to browse through a deceased child’s online dating profile?

Now that you’re mulling your eventual demise, here’s a look at how some of the biggest Internet companies deal with deceased users’ accounts and what you can do to control your information.

— GOOGLE

The company behind Gmail and Google Plus has a tool that lets you decide what happens with your account after you die or become inactive online for another reason, such as moving to a deserted island off the grid with no Internet access. The tool is called “inactive account manager.”

You can choose to have your data deleted after three, six or 12 months of inactivity. Or you can choose someone, such as a parent or a spouse, to receive the data. The tool covers not just email but also other Google services such as Google Plus, YouTube and Blogger.

Before deleting data, Google will send a warning to a secondary email address or a phone number if you have provided one. This, of course, won’t help if you’re dead. But you can also have that warning go to a loved one.

Google’s inactive account manager: http://bit.ly/XuvgqD

–FACEBOOK

The world’s largest online social network doesn’t give relatives access to dead people’s accounts. Instead, loved ones can request for your account to be “memorialized” if you die. This means no one will be able to log in or modify any settings, such as adding or removing friends or deleting content. In addition, Facebook won’t show the account in its “people you may know” section for suggesting friends and won’t send birthday reminders.

Privacy settings from when you were alive will carry over, and those can’t be changed. So if friends were able to post to your account’s Timeline, they’ll still be able to do so. The Timeline posts will be viewable by the same people who were able to see those posts before. Friends will also be able to send private messages, as long as they were able to before, even though no one will see them.

Facebook’s page on deleting or memorializing accounts: http://on.fb.me/1cyCi5e

–TWITTER

Twitter will deactivate your account if contacted by a family member or a person authorized to act on behalf of your estate. For this, the person will need a death certificate. Because many people don’t use their real names on Twitter, the company will also want a “brief description of the details that evidence this account belongs to the deceased,” its policy states.

After 30 days, a deactivated Twitter account is permanently deleted.

To respect the wishes of loved ones, Twitter says it may also remove images of deceased individuals that circulate on the site. The policy applies only in limited circumstances and was implemented recently, after some users sent altered images of Robin Williams to his daughter Zelda after the actor committed suicide in August.

The policy was also used to remove gruesome images of the beheading of journalist James Foley. The company’s CEO Dick Costolo said last month, in reference to the Foley images, that Twitter “is actively suspending accounts as we discover them related to this graphic imagery.”

Twitter contact page for family members of the dead: http://bit.ly/1w7cGaY

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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