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Takoma Park allows teens to take to the polls

TAKOMA PARK, Md. – Takoma Park will make U.S. history this election season as 16 and 17-year olds head to city polling places.

City Councilman Seth Grimes helped make the change happen.

“We have some really engaged kids, youth, around here in Takoma Park,” he said. “People who care deeply about what happens in their city.”

“I would bet you that we’re going to get a higher rate of turnout among 16- and 17-year-olds than we get among adults,” said Grimes, who along with Councilman Tim Male moved the bill through the council.

Nick Byron, 17, goes to Montgomery-Blair High School and helped push for the change.

“We’re as much a part of the community and affected by the changes taking place and the choices made,” Byron said.

For Byron, “this is an awesome way to be involved.”

Teens will be allowed to vote only on city issues and in city races, not items related to state and federal elections.

“For now, I am content with it being in local government,” Byron said.

Patricia Hart, of Takoma Park-based Fair Vote, says her organization supports the idea of teens making their voices heard in municipalities.

“16- and 17-year-olds have about the same political knowledge as a 21-year-old and nearly the same as an average adult,” she said.

Voters might notice a few other changes this year: Convicted felons on parole and probation will also be allowed to vote in local races.

“We didn’t see any reason exclude people who had served their time, regardless of what their crime was,” Grimes said.

The city is also requiring that apartment residencies allow door-to-door campaigners inside their buildings.

This isn’t the first dose of change for the city when it comes voting rules: More than 20 years ago, the city began allowing non U.S. citizens to vote in city elections.

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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. 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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