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Online dating woes and triumphs

WASHINGTON — After four years and roughly 50 dates, Jill Holbrook knows how to recognize a good catch.

There was the guy she fell in love with but who moved away to Turkey early into their relationship.

And there was the guy she dated for five months but then disappeared without saying a word.

And then there was the guy “who didn’t understand sarcasm,” didn’t listen to music, didn’t like sports and showed her countless cat photos after Holbrook told him she didn’t like felines.

Many of these stories and more can be found on her blog Dating Is the Worst, which the 27-year-old D.C. resident started at the behest of her friends.

Though some of her online dating experiences were admittedly unsuccessful, most were funny and made for great stories after the fact, she says. Holbrook quickly realized she wasn’t alone in her dating woes, so she opened up her blog to contributors.

To emphasize the humorous side of online dating, Holbrook likes to add pop culture references when applicable. Her most recent date, for instance, got the Harry Potter treatment because of his resemblance to the Weasleys. And “Overzealous Monday Guy” gets a sly “Titanic” reference when things got steamy in his car.

Having a sense of humor and keeping an open mind is what online dating is all about, she says.

“There are a lot of really interesting people in this city,” she says. “I’ve had a lot of fun doing it. It’s hard, but it’s fun.”

While Holbrook is able to keep a positive attitude about the dating scene, not everyone has good memories.

Consider Mike LaRosa, whose date turned out to be an identity thief:

“Basically I met a guy online. Started dating him and a few months later found out that he had stolen my identity, opened up credit cards in my name, had 12 prior convictions in Maryland, had also been doing the same thing to two other guys,” LaRosa writes in an email.

LaRosa wasn’t this person’s only victim, he says. The identity thief had also allegedly targeted his former employer.

Ryan Holeywell says he got lucky meeting his current girlfriend after going on 40 dates with other women:

He has “been stood up, gone out with people who didn’t look like their photo, people who just wouldn’t talk, people who were dumb as rocks,” he writes in an email.

“OkCupid honestly caused lots of stress and disappointment for me… But I have it to thank for meeting the love of my life.”

Do you have an online dating disaster story or an especially inspiring one? Comment here or call our Talkback line at 1-877-222-1035 to share your experience.

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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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