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Know Someone Who Helped Others Shovel Out From Snow?

Man shoveling snow Feb. 14 on Woodmont Avenue (file photo)A Montgomery County Council member is looking for people who shoveled out neighbors’ sidewalks during a very snowy winter.

Councilmember Nancy Floreen has brought back her Golden Shovel Awards, also known as SAFE (Sidewalks Are For Everyone), and is looking for county residents as nominees.

“This winter season of extensive snowfalls gave Montgomery County residents great need for snow removal. For some, shoveling sidewalks was either an unmanageable challenge or posed a possible danger to their health,” read a press release. “Fortunately, throughout the County, there were residents who cleared their own sidewalks — and also helped neighbors in need.”

Floreen started the program in 2003. It’s been on hiatus since 2010, when the region was hit by three high-volume snow storms. Nominees must be Montgomery County residents and recommended by another person. Nominations are due March 31.

Those recognized will be honored at a County Council session in April.

“Our seniors, school children, people with disabilities and those who walk to work or use mass transit depend on snow-free sidewalks,” Floreen said. “This goes beyond convenience — it is a matter of public safety. I certainly hope that residents will nominate individuals for a Golden Shovel who put the Golden Rule to work.”

Sidewalk snow removal — especially in more urban areas and along major roads — was a big issue this winter, when mid-February’s snowfall of roughly 12 inches meant massive snow piles from road plows and hard-to-remove ice underneath.

Councilmember Hans Riemer proposed a Sidewalk Snow Removal Plan that would make the Montgomery County Department of Transportation responsible for removing snow on certain sidewalks along major pedestrian routes, in urban districts and at bus stops.

Council President Craig Rice later downplayed that idea, saying the county’s requirement for property owners to clear their walks within 24 hours of a snow event is sufficient.

If you have someone in mind for the Golden Shovel Award, fill out this nomination form by describing in detail why your candidate should receive it. Nominations can be emailed to Floreen’s office at councilmember[dot]floreen[at]montgomerycountymd[dog]gov with the subject line “Golden Shovel,” or mailed to the Council Office Building at 100 Maryland Avenue, Rockville, MD 20850.

We think Bethesda resident Richard Hoye certainly deserves a nomination. Hoye, a bike advocate who has argued for snow removal on the Capital Crescent Trail and sidewalks, took matters into his own hands with a mini-skid steer worth upwards of $25,000.

The machinery allowed Hoye to plow a path on the Old Georgetown Road sidewalk from downtown Bethesda north to the Suburban Hospital/NIH area, a roughly half-mile distance.

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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