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On the Run: Is cardio king?

Well, we’re finding out it’s much more complicated than that. What you eat is as important as how much you eat. (You could live on 2,000 calories a day of candy bars, but that’s not exactly balanced nutrition). And there are all kinds of theories on the most efficient way to exercise.

So let’s say that while you admire the hard work you see on “The Biggest Loser,” you don’t exactly have eight hours a day to work out. You have maybe, if you’re lucky, a couple of hours a week total squeezed in around working at the office, commuting and all that stuff at home.

In that case, your best bet may be to focus on the cardio, at least initially, according to a recent study by Duke University researchers. They took 234 overweight and obese adults and divided them into three groups. One group did a couple cardio sessions a week on a treadmill or elliptical machine, one did resistance training and the third did a combination of the two.

The study found the resistance training group gained weight, and while the combo exercise group lost weight, their results weren’t significantly different than the group that did cardio alone when it came to dropping fat mass and body mass. In fact, the study concluded that cardio alone is the most efficient and best exercise method at burning fat “when balancing time commitments against health benefits.”

These study results, published in the Journal of Applied Physiology, have caused quite a furor in the fitness community. Some trainers say resistance training builds lean, compact muscle, promotes overall health and plays an essential role in weight reduction. They therefore question the researchers’ conclusions.

And so I went on a personal quest for clarity and met up at the gym with fitness coach Gerard Burley, director of Coach G Fitness in D.C. We alternated between the elliptical machine and some walking lunges with weights. Burley says he did it to make a point: You need both.

He says when it comes to weight control, “The cardio takes it off, and the muscle and strength training keeps it off.”

Cardio, he explains, raises your metabolism and keeps your body mobile.

“The muscle and strength training is just going to keep your body toned and in a strong condition,” Burley says.

His advice for those short on time is to focus on what is known in the fitness world as “circuit training.”

That means getting your heart rate up while doing a series of exercises without any rest. For example, start with some pushups, maybe some squats or lunges, and then move on to a rowing machine or climb some stairs. Repeat.

“That way, we keep the intensity up,” Burley says, “and it keeps that cardiovascular portion working and strength training working at the same time.”

The key, he says, is to get some solid professional advice, and then develop a personalized exercise regimen — especially if you are among the chronically time-strapped.

“There is no cookie-cutter recipe,” he says.

We may not know the recipe, but we do know the ingredients: cardio and strength training.

You just have to find the mix that is right for you.

Editor’s Note: WTOP’s Paula Wolfson writes about the challenge of mixing family, work and fitness in our busy lives “on the run.”

Follow @WTOPLiving on Twitter.

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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