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Maryland Zoo chimps predict the Super Bowl winner is …

By WTOP Staff

Thomas Warren, wtop.com

WASHINGTON – The Baltimore Ravens will win the Super Bowl. At least, that’s the prediction from chimpanzees at the Maryland Zoo in Baltimore.

The chimps picked their winner based on banners. Two brown paper banners, bearing either the Ravens or 49ers team names, were taped to the glass on either side of their play area.

Whichever banner they tore down first would be their pick to win the game.

The chimps were let into the room and within seconds, they congregated to the Ravens banner.

“I know they looked around a little bit. I think they had to think about it,” says Jane Ballentine, director of public relations at the zoo.

Two chimps did most of the damage, ripping the Ravens banner down first.

It also didn’t hurt that kid-sized Ravens footballs and pretzels were placed on the ground underneath the banner.

“Looks like a Ravens victory, according to our chimps,” Ballentine says.

Ravens Linebacker Ray Lewis has been a major storyline leading into Sunday’s game. Zookeeper Anne Sherwin believes the chimps themselves may have been inspired by Lewis.

“Yep, they were thinking about number 52,” Sherwin says.

The zoo has an ongoing bet with the San Francisco Zoo. Ballentine says the losing team’s zoo will create an exhibit of the winning team to display for a month, beginning Feb. 11. The details of that exhibit are still being worked out.

The Maryland Zoo houses Ravens mascots Rise and Conquer. The two birds are hybrids of the brown-necked raven from North Africa, and the pied crow from Southern Africa, according to the Ravens’ website.

Ballentine says the zoo has not decided what they will rename the exhibit, if the Ravens should lose Sunday.

“We’re a little superstitious, so we’re just going to leave it at that. If we have to make some tough decisions on Monday, we’ll start that process,” she says.

The 49ers mascot is a Black Rhino named Boone, after 49ers offensive lineman Alex Boone. In a press release, San Francisco Zoo President and Chief Executive Officer Tanya Peterson says they will change Boone’s living quarters to resemble that of the Baltimore mascots if her team loses.

“We’ll even have Boone’s enrichment look like crow – I mean, raven – because if the 49ers lose, we are all eating crow here,” Peterson says.

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(Copyright 2013 by WTOP. All Rights Reserved.)

Don’t Settle for Student Loans to Pay for Online Education

By WTOP Staff
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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