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$5 a day diet leaves mark on local leaders

ROCKVILLE, Md. – Ask Montgomery County Councilman Craig Rice what’s in that brown bag he’s carrying and he’ll tell you: Baked beans, an apple and a boiled egg.

“I’m saving the four spears of asparagus I have left for dinner,” he says.

Rice is among a group of county officials and residents finishing their fifth and final day of the SNAP Challenge. Participants limited themselves to eating on $5 a day for five days, roughly the same amount granted to people participating in the federal Supplemental Nutrition Assistance Program, which used to be known as food stamps.

The local challenge was organized by Montgomery County Councilwoman Valerie Ervin.

“It’s very socially isolating,” she says. The five-day exercise meant turning down dinner invitations and staying out of the County Council building’s cafeteria so she wouldn’t feel tempted to break down and stray from her own brown bag lunches.

Rice says he found that he was hungry, and he missed the cafeteria’s Peruvian chicken, or another favorite, the onion rings.

But Ervin says she wasn’t really hungry. “Except for the day I went to Annapolis and I didn’t prepare.”

She didn’t pack a lunch. All she had was an apple. “So I really got a hunger headache.”

Ervin says the experience has been profound for her, especially when she thinks about children who are hungry.

About 34 percent of the county’s 149,000 students are eligible for free and reduced meals, an indicator of both hunger and poverty.

“I started to think about food 24 hours a day. How do little kids do this? How do little children go to their school and sit at their desks? They’re supposed to be concentrating on what the teacher says and all they can think about is: What’s for lunch?” she says.

Ervin says she organized the five-day effort to spotlight the number of hungry people in Montgomery County and to help public officials keep that in mind as they shape public policy.

According to Ervin’s SNAP the Silence Facebook page, about 65,200 Montgomery County residents received SNAP benefits in October. For families that qualify for SNAP, the average daily benefit per person is $4.28 per day.

In the D.C. metro area, one in six residents is at risk of or is experiencing hunger – that’s more than 641,000 people, according to the U.S. Census.

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WTOP’s Kate Ryan contributed to this report. Follow @kateryanWTOP and @WTOP 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. 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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. 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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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