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Frederick Co. looks at lowering property tax

Following a year of making tough choices and cuts, the

Frederick

County Commissioners say they are ready to offer some breaks.

During the State of the County address on Thursday, Commissioners President Blaine Young said he will look to reduce the property tax rate in the upcoming budget. The rate has been stable since a reduction in the fiscal 2005 budget, according to the county treasury department.

“I am committed that we have the ship pointed in the right direction,” Young said. “We believe that the tough, prudent decisions we have made over the past year have placed the county on solid ground.”

With the county’s workfoce doing more with less, Young said he recognized a need to make sure employees see some reward for their effort.

When the board took office a year ago, department heads were required to make deep cuts. The workforce has been reduced; staff levels are where they were seven years ago.

“We need to reward those who are getting the job done,” Young said.

The board reduced library hours and road maintenance projects, eliminated the Thurmont after-school program and made other cuts along the way.

“We’ve looked under every rock and tried to save as much money as possible,” Commissioner Billy Shreve said. “We’ll be looking at ways to make things better.”

Mandates and cuts from the state have made it tough for the county, Young said.

“The state needs to realize it has to stop laying it all on the counties and municipalities,” he said.

The commissioners said they have refused to stop the bleeding with gimmicks or one-time measures.

“We’re not neglecting or robbing Peter to pay Paul to balance our budget,” Young said. “We are delivering the same amount of services to our residents.”

Bright spots have included no cuts to K-12 education and improved bond ratings for the county, he said.

The county’s unemployment rate dipped to 5.7 percent in September, down from 6.6 percent in January. Even with numbers way below the national average, the county is not satisfied, according to Commissioner Paul Smith.

“I think we all need to recognize that jobs is still the No. 1 issue in Frederick County,” Smith said.

Commissioners identified several companies that either made a commitment to move to the county or to stay. The Banner Life corporate headquarters moving to Urbana means 400 new jobs,; 250 jobs were created by moving the Social Security Administration data center to Frederick, and 50 jobs were created by an expansion at Life Technologies.

The way to keep job growth on the front burner is to follow the board’s motto of being open for business, Commissioner Kirby Delauter said.

“Businesses mean a lot to this county,” Delauter said. “I want to help businesses come to Frederick County and stay in Frederick County.”

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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