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The Right Note: Verify Then Trust

The Right Note is a weekly opinion column by published on Thursdays. The views and opinions expressed in the column are those of the author and do not necessarily reflect the views of ARLnow.com.

GOP county board candidate Mark KellyCounty Board members went out of their way last week to say “the fix” was not in on the PenPlace development near Pentagon City in South Arlington. PenPlace has raised serious concerns from local residents who are not thrilled with the type and amount of non-residential development proposed there.

As part of the deal, Vornado is reportedly offering land for the Columbia Pike trolley maintenance facility as well as $20 million to help offset the costs of the new aquatics center. The Board desperately needs the space for the trolley facility, and the money for the pool is good PR for an expensive facility that had its share of detractors. With these sweeteners on the table, future public discussions seem likely to only be a formality.

Residents in the South Arlington neighborhoods who are concerned about PenPlace need only look back a couple years to the Crystal City redevelopment plan. They raised a number of issues on the plan with the County Board and staff throughout the process. At the end of the day, virtually none of the issues were addressed by the Board. Instead, the Board created an ongoing neighborhood advisory group, presumably to keep talking about changes the Board has no intention of making.

They can also look back at the widespread neighborhood opposition to the proposed purchase of 2020 14th Street North to house a new homeless shelter. The new building and renovations could cost the county nearly 20 times what it would have cost to retrofit the current facility. The County Board hearing room was packed by opponents of the plan, but their concerns simply fell on deaf ears. The decision had already been made.

Chairman Tejada just announced that there will be a public forum on the future of the massive Columbia Pike trolley project on March 27th. But, the promise of a forum seems somewhat hollow after the January 1st meeting where Chris Zimmerman pronounced the trolley issue had already been decided.

The Board certainly has a history of encouraging community dialogue and input. What seems to be a recent trend is that the Arlington Way stops when the Board realizes the community will not come around to their way of thinking. This is probably why a friend quipped to me last year after then-Chairman Hynes announced her PLACE initiative — it really stands for “Pretending Like Arlington County Ever-listens.”

When negotiating with the Soviet Union, President Ronald Reagan’s philosophy was “trust but verify.” Based on our Board’s recent track record of paying lip service to concerns raised by Arlingtonians, South Arlington residents concerned about PenPlace should consider taking the posture of “verify then trust.”

Mark Kelly is a former Arlington GOP Chairman and two-time Republican candidate for Arlington County Board.

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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