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2016 campaign checklist: Paul

KEN THOMAS
Associated Press

WASHINGTON (AP) — A look at preparations by Sen. Rand Paul, R-Ky., for a potential 2016 presidential campaign:

Nondenial denial: Says he will decide after the 2014 elections whether to run. “We’re definitely talking about it, my family is talking about it. I truly won’t make my mind up until after the 2014 elections. But I haven’t been shy in saying we’re thinking about it.” — Fox News, March 9.

Write a book: Yes. But may need something less flame-throwing than 2012’s “Government Bullies: How Everyday Americans Are Being Harassed, Abused, and Imprisoned by the Feds,” and something less dated and more broadly pitched than 2011’s “The Tea Party Goes to Washington.”

Iowa visits: Yes, three times in 2013. In March snagged the state GOP chairman, who announced he was quitting to join Paul as an adviser.

New Hampshire: Yes, April events included Freedom Summit speech. Won straw poll at March meeting of Northeast Republican Leadership Conference in Nashua. Several visits last year.

South Carolina: Yes, foreign policy speech at The Citadel military college and small GOP fundraiser in Charleston in November 2013 visit; headlined several fundraisers earlier last year.

Foreign travel: Yes. Visited Israel, Jordan in 2013, met Palestinian Authority as well as Israeli leaders, said in speech in Israel that U.S. should trim aid to Israel gradually. Member of Senate Foreign Relations Committee.

Meet the money: Yes, headlined luncheon in April at Boston-area equity firm led by Mitt Romney’s former national finance chairman and Romney’s oldest son, Tagg, an event that drew together the 2012 presidential candidate’s inner circle. Also attended Romney’s 2013 Utah retreat with big GOP donors, golfed with some there. Met potential donors in New York City and California. Raised money for Nevada GOP at Las Vegas event in July. Has met donors and supporters in Texas, which his father represented in Congress.

Networking: Yes, and now roaming freely beyond tea party tent. Had private audience in April with Romney advisers from 2012 campaign, is helping Republicans across political spectrum, including moderate Sen. Susan Collins of Maine, and has pitched in with party leaders to heal divisions from last campaign. In late April brought message of unity to state GOP convention in Maine, where a struggle over delegates created raw tensions between GOP establishment and libertarian or tea party supporters of his father in 2012 campaign. Had spring speeches at Harvard and University of California. Generated buzz and won symbolic straw poll at Conservative Political Action Conference in March.

Hog the TV: Yes, a fixture on the Sunday news shows, including recent one from New Hampshire. Also frequent guest on news networks, especially Fox.

Do something: One-man, nearly 13-hour Senate filibuster to protest drone policy made country take notice, and impressed civil-liberties advocates outside his tea party constituency.

Take a stand: Tea party plus, with a libertarian streak that places him to the left of rivals on some issues, to the right on others. Fiscal conservative, criticizes surveillance state, praised Supreme Court gay marriage ruling as one that avoids “culture war,” aggressive in seeking repeal of the health law. In February, filed lawsuit against Obama and others in the administration over the bulk collection of Americans’ phone records. Joining in 2014 with liberal lawmakers and others in effort to roll back some mandatory minimum sentences. Outreach to Democratic-leaning minorities. Told The New York Times in May that fellow Republicans should stop pushing state voter ID laws because the effort is alienating blacks.

Baggage: Dear old dad: Must move beyond fringe reputation that kept father’s presidential runs from going far. Deflection: Full-speed ahead. Aggressively pressing libertarian principles, especially on anti-terrorism. Past positions: Expressed misgivings about how Civil Rights Act bans racial discrimination by private businesses. Deflection: Reaching out directly to black voters and insisting the party needs to broaden appeal to minorities. He needs to broaden his appeal, too, beyond his tea party roots. The Washington Times canceled his column after he was found to have used passages from other people in his speeches and writings as if they were his own. Deflection: Promising proper citations and footnotes for his pronouncements “if it will make people leave me the hell alone.”

Shadow campaign: Has formidable leadership PAC called Rand PAC, has maintained ties to father’s political network in early primary states, and benefits from strong tea party support. Is starting to build teams on the ground in most states.

Social media: Aggressive. Bragged last year that he’d attracted more than 1 million likes for his Facebook page, where he lists his own books as his favorites. Countered Christie’s couched criticism of his opposition to warrantless wiretapping with a tweet declaring that Christie “worries about the dangers of freedom. I worry about the danger of losing that freedom.”

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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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