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Roby glad to join Super Bowl contender in Denver

By WTOP Staff

ARNIE STAPLETON
AP Pro Football Writer

ENGLEWOOD, Colo. (AP) — Bradley Roby’s slip down the draft board surely will cost him a few million dollars. He swears he doesn’t care.

The star cornerback from Ohio State said he’s glad he’s going to play for the AFC champion Denver Broncos and not a rebuilder anyway.

After all, he changed his mind about going to Vanderbilt in 2010 in large part because the Commodores “didn’t win enough.”

“I told you I’m a winner. I hate to lose,” Roby said Friday at his introductory news conference at the Broncos headquarters. “That’s why I fit in here so much because I have a winner’s mentality.”

Another thing that lured him to Columbus was his switch from wide receiver to defensive back, and Ohio State has a rich tradition of sending elite cornerbacks to the NFL.

After redshirting his first year, Roby started 13 games in 2011 and was a second-team All-American by 2012 with the type of season that could have been worth about $15 million over four years as a top-10 NFL pick.

Roby earned All-Big Ten honors last season and was projected as a top-15 pick but Broncos boss John Elway figures a pair of off-field issues caused him to fall to Denver at 31.

Elway said he was thrilled to see Roby available. After all, he made transforming his secondary one of his major priorities this offseason as he tweaked a roster that reached the Super Bowl but came up short against Seattle.

He let Champ Bailey and Dominique Rodgers-Cromartie leave via free agency and brought in cornerback Aqib Talib and strong safety T.J. Ward.

Roby’s slide down the draft board will probably end up costing him about $3 million as he’s expected to get a four-year deal in the $7 million range now.

As he slid, he looked at the bright side, though.

“OK, you didn’t go very high. But you’re going to a great team,” Roby said.

And he insisted the smaller payday won’t be a big deal, either.

“I don’t really play for money,” Roby said. “I’ve never really played for money before. I’ll have money now (but) it’s not about that to me. It’s all about winning.”

The Broncos have gone 28-7 since Peyton Manning’s arrival two years ago.

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AP NFL websites: www.pro32.ap.org and www.twitter.com/AP_NFL

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Follow AP Pro Football Writer Arnie Melendrez Stapleton on Twitter: http://twitter.com/arniestapleton

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Don’t Settle for Student Loans to Pay for Online Education

By WTOP Staff
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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