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NFL Week 11 recap: The unseen stresses of football

WASHINGTON – Two weeks ago, we saw something rather unnerving: a pair of NFL head coaches collapsed and were subsequently hospitalized. Two middle-aged men holding one of the most stressful jobs in all of sports appeared to have succumb to the pressure in a rather scary way.

Serendipitiously, Broncos coach John Fox was in Charlotte for a pre-op appointment for his previously scheduled aortic heart valve replacement surgery, when he passed out playing golf during his team’s bye week. The next day, Texans coach Gary Kubiak unpredictably had what is described as a “mini-stroke” (which is a layman’s term for a transient ischemic attack, or TIA). While the circumstances were quite different, the level of concern was much the same.

Both men insist their respective episodes had nothing to do with stress, but I know better. You see, I had a similar episode a few years back.

I was stuck in a bad work situation, dealing with a deteriorating marriage, and was a little jet-lagged because of a trip from Montana to Pennsylvania. After one day back at the job I could no longer stomach, I went out to cut the grass on a hot, August day. About three-quarters of the way through the chore, I felt light- headed, went inside to sit down, and passed out. I was rushed to the ER, where I was told I was dehydrated and fatigued.

As a broadcaster, I use my voice for a living. Meaning, I get my proper daily allowance of water just by virtue of keeping my pipes wet. Plus, I had cut grass in much hotter weather than I did that August day and never had a reaction like that. I contend that if I hadn’t been under the amount of stress I was, at the time, this episode would not have occurred.

Perhaps a better example comes from my late father. He spent several years working as a top-level executive with General Motors, and simultaneously worked to establish his own business. He essentially worked two full-time jobs while raising three children. That stress, coupled with being overweight, led to the heart disease that contributed to his early demise.

I’m sure Fox and Kubiak believe wholeheartedly their careers have nothing to do with those episodes. There’s even a chance they’re right. But if you don’t think working 60 to 70 hour weeks, in a line of work that requires near perfection, doesn’t exacerbate heart disease, hypertension, and diabetes I’m not sure I can help you.

I don’t know if there’s a way to get these guys to scale it back for their own sake. Besides being fiercely competitive, the NFL is a multi-billion dollar entity and the stakes involved aren’t going to suddenly get lower.

However, it’s a very high-profile reminder that these coaches and players we’re discussing are real people like you and I. They think and feel like we do. They’re mortal.

And now for something that’ll live forever. The NFL recap.


Colts 30

Titans 27

I’ve run out of superlatives to describe just how clutch Andrew Luck is. After this dude erased a 14-0 first-half deficit, I’ll just say that if I had to play one football game with my life on the line, I want the guy named Luck with a horseshoe on his helmet to play quarterback for me.

Redskins 16

Eagles 24

When the Bravehearts rolled into town, Philadelphia knew what was coming. And now, so do I: Back-to-back prime time losses at FedEx Field for the ‘Skins and maybe two more wins in this miserable 2013 season.

Ravens 20

Bears 23 (OT)

Thanks to Mother Nature, this game ended later than some of the late games. It’s not the first time this year either. Ravens games in New Orleans (Super Bowl XLVII), Denver, and now Chicago have been delayed for power outage and/or weather. I know there’s a dark cloud following Baltimore these days, but this is ridiculous.

Jets 14

Bills 37

Here’s some free advice, New York: If you have a choice between fine tuning your game preparations for a divisional rematch and going to Dave & Busters, maybe do the work instead. Otherwise, you might just get blown out by 23.

Browns 20

Bengals 41

Cincinnati’s bye week comes at a very opportune time. After a trip to San Diego, they play the Colts, at Pittsburgh, Minnesota, and Baltimore. The AFC North is their division to lose.

Lions 27

Steelers 37

Detroit may have ended their winless streak in Washington, but the curse in Pittsburgh lives on. A franchise as haunted as the Lions can’t exorcise all their demons at once, you know.

Falcons 28

Buccaneers 41

Look, I know injuries play a role in Atlanta’s struggles. But getting blown off the field by the most dysfunctional team in the league speaks to something much deeper. If I’m Mike Smith, I’m sprucing up my resume.

Cardinals 27

Jaguars 14

Arizona is better than people think. Jacksonville is predictably putrid. We’ve known both for weeks. So the story here? Nobody in the NFL should sport dreadlocks as long as it remains legal to rip the hair out of an opponent’s head.

Raiders 28

Texans 23

I’m sorry … there’s just no valid excuse for losing at home to Matt McGloin. None.

Chargers 16

Dolphins 20

For you NFL history buffs: San Diego hasn’t taken their talents to South Beach and won since the 1982 “Epic in Miami.” So basically, when the Chargers come to town the Dolphins are bullying the visitor’s locker room too. What? Too soon?

49ers 20

Saints 23

A great game was unfortunately tainted by the NFL’s preoccupation with protecting quarterbacks. Hopefully, it doesn’t take San Francisco — one of the league’s banner franchises — missing the playoffs to get the rules committee to come to its senses on this crap.

Packers 13

Giants 27

It’s amazing how bad Green Bay is without Aaron Rodgers. Almost as amazing as New York getting in position for an unprecedented turnaround from an 0-6 start.

Vikings 20

Seahawks 41

I know it was only Minnesota, but Seattle looks like a team starting to hit its stride. And that should scare anybody with the misfortune of having them on their remaining schedule.

Chiefs 17

Broncos 27

Alex Smith is a big reason why Kansas City is going to the playoffs. He’s also the reason their postseason stay will be brief.

Patriots 20

Panthers 24

In a rematch of the famous “Nipplegate” Super Bowl, Carolina exposed themselves as a legit playoff contender.

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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. 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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