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Even the young can fall victim to strokes

One evening in spring 2009, Forzato was in her dorm room at the University of Maryland, College Park, when all of a sudden she felt flushed. An intense headache came on quickly, and when she looked up, she realized she could hardly see.

Her friends couldn’t figure out what was going on. They frantically searched the Internet for clues and then called 911.

Forzato was rushed to the emergency room at Washington Adventist Hospital in Takoma Park, Md.

“It was very fast,” she recalls. “I was wheeled in, blood was taken.”

Within minutes, an MRI confirmed a diagnosis that shocked her.

“You only hear about people having strokes in their 60s, 70s, 80s, 90s,” Forzato says. “How could I, a healthy young woman, be having a stroke? It was mindboggling to me.”

About one-third of strokes in 2009 occurred in people under age 65, according to the Centers for Disease Control and Prevention. The stroke rate among young adults has been historically low, but the CDC says the number of hospitalized stroke patients ages 15 to 44 is on the rise and jumped one-third between 1995 and 2008.

“We should be very concerned about the increasing incidence of stroke in young people,” says Dr. Greg Mathews, a neurologist at Washington Adventist.

Mathews says the increase may be due to the growing number of young people being treated for risk factors such as hypertension and obesity, which are usually associated with older adults.

But there also are patients like Forzato, who appear to be healthy and don’t show any symptoms of a problem. In Forzato’s case, doctors believe birth control pills she took for pelvic pain led to a tiny blood clot that traveled through a small flap in her heart to her brain.

Dr. Randall Wagner, chief medical officer at Washington Adventist Hospital and director of stroke services, says Forzato is lucky because her stroke was diagnosed in time to prevent extensive permanent damage.

“Time is brain. When people are having a stroke, the longer it takes to provide substantial care, the more brain is lost,” he says.

Stroke specialists like Wagner say everyone should know how to recognize the symptoms of a stroke. Those symptoms include sudden neurological changes such as numbness in an arm, slurred speech or blurred vision.

“Stroke implies a sudden event,” he explained. “You were struck down. That is what stroke is all about.”

Forzato, now 22, says she worries about other young women, who don’t know the signs of a stroke or believe it can’t happen to them.

“A stroke is not just for the grandparents, and it is not just for people who have poor health,” she says.

“It also can happen in young people who are healthy, who are active, who are involved and educated.”

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(Copyright 2013 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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