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Highlighting hunger, leaders take $5 challenge (VIDEO)

WASHINGTON – Feeding a family on $5 a day is not a challenge for thousands of families, it’s a necessity. Even in affluent Montgomery County, thousands struggle to live on the federally funded supplemental nutrition assistance program, or SNAP, known to most people as food stamps.

In an effort to draw attention to the needs of residents in need, Montgomery County Councilmember Valerie Ervin came up with the idea of the SNAP Challenge: Get public officials to try to pay for their meals on just $5 a day.

The program is designed to to make an impression on lawmakers to influence their policy-making decisions.

“Roughly 34 percent of our kids are in poverty, and about 80 percent of those kids receive free lunch, not just free and reduced lunch,” says Montgomery County School Superintendent Dr. Joshua Starr who is taking part in the SNAP Challenge.

To underscore the scope of the issue, Starr says the number of kids qualifying for free and reduced meals in Montgomery County is greater than the total number of students enrolled in D.C. public schools. Montgomery County has 149,000 students enrolled.

Day one of the challenge kicked off with a trip to the grocery store. Starr looked closely at the prices of fresh fruit and noted, “I’m trying to find things that are both healthy and filling.”

Councilmember Ervin ticked off the items in her shopping cart — dried black beans, tuna and a whole chicken.

“This chicken is special to me,” she jokes. “It was half price! I’m going to roast it when I get home tonight and make it last for four days. I can do a lot with a chicken,” she says.

Council President Nancy Navarro says the challenge reminds her of her college days and later, working out a budget as a new parent. The challenge is proving even more daunting 20 years later.

“I can barely afford fresh vegetables, and it’s really amazing. I didn’t realize how expensive, for example, milk was … because now you shop and you just do it,” she says of the SNAP budget.

There were some special challenges for other participants.

Councilmember Nancy Floreen, a breast cancer survivor, found that milk was out of the picture. She was intent on getting five fruits and vegetables a day into her diet which, she found, meant heading to Costco. Even buying in bulk, Floreen had to pinch pennies to stick to an anti-cancer diet.

Finding healthy foods was also a challenge for Board of Education President Chris Barclay who has diabetes.

The focus should not be on the participants or the novelty of the challenge, Ervin says. While it’s a helpful exercise, the real focus should be on the perspective it provides.

The reminder that Montgomery County, as wealthy as it is, also has many families who struggle, is the lesson Ervin says. And managing on a tight budget isn’t nearly as easy as some might think.

Navarro says the image of the county needs to be grounded in reality.

“Yes, we’re the economic engine of the state, but we also have needs and we need to come together and address them,” she says.

For the participants of the SNAP challenge, the five day event ends on Friday. But for those enrolled in the SNAP program, the challenge takes place every day, Ervin says.

WTOP’s Kate Ryan contributed to this report. Follow @KateRyanWTOP and @WTOP on Twitter.

(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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