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Domestic violence on the rise in D.C.

WASHINGTON — Violent murders have increased in the D.C. region over the past year and research shows violence tends only to increase over the holiday season.

In D.C. alone, 13 people have been killed so far in 2011, up from 12 total last year, says Karma Cottman, executive director with the DC Coalition Against Domestic Violence. Mix in the stresses that accompany the holidays, and remaining months of the year become particularly precarious for those victimized by domestic abuse.

“Unfortunately there isn’t one indicator,” Cottman says. “Certainly we know the economy has an effect on violence in general, and domestic violence especially. But there has been a rise in domestic violence in the city while we have seen an increased attention paid onto intervention efforts.”

Cottman says the group most likely to be affected by such abuse are young women, ages 16 through 24. However, all women of all ages and races can be affected. In fact, research shows that one-fourth of all women will be affected by domestic abuse at one point in their lives, which means there may be approximately 75,000 female victims in D.C. alone.

“It’s important for us to be educated about domestic violence and about the signs,” Cottman says. “And particularly as we get into the holidays, one of the things that happens for victims of domestic violence is they become increasingly isolated.”

When it comes to recognizing the pattern in young women, Cottman says one common indicator is cell phone use.

“One of the things that people don’t think about is when you have a teenager and they’re always on that cell phone, always checking it, always answering it. If the phone is two feet away, they’re checking to see if the person is calling them. That is definitely a warning sign,” she says.

The most important thing in curbing the problem is awareness, Cottman says. If you think someone you know might be suffering abuse, talk to them about it and let them know that there are resources available.

“For a lot of us, its just a regular girlfriend conversation. Just say ‘Hey, I noticed something was going on, if you need a friend if you want to talk, let me know. I’m available. I’m here,'” Cottman says. “Or, maybe just let them know you saw an interesting article and let them know about it. It’s dropping certain hints.

“Especially with victims of domestic violence, there is a shame and guilt. You want to be in a position of not-judging that person.”

Cottman says you can help even if the person affected is not a personal friend.

“We see domestic violence on a day-to-day basis on the street. We see someone saying something inappropriate, we see someone doing something inappropriate, and we think ‘That’s just between those two people.’ We tend not to step in. But it’s important that when you see anything that looks like its out of place that you call 911, or that you say something.”

For more information, visit the The DC Coalition Against Domestic Violence.

This information was first reported by The Examiner.

WTOP’s Kristi King contributed to this report.

Follow Kristi King and WTOP on Twitter.

(Copyright 2011 by WTOP. All Rights Reserved.)

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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