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4 players share 1st-round Champions Tour lead

By WTOP Staff

JOHN ZENOR
AP Sports Writer

BIRMINGHAM, Ala. (AP) — The Champions Tour players put on long-sleeved pullovers and tried to figure out which way the wind was swirling from hole to hole. They left Shoal Creek with little separation at the top.

Jay Haas, Mark Calcavecchia, Olin Browne and Chien Soon Lu shared the first-round lead at 3-under 69 on Thursday in the Regions Tradition, the first of the 50-and-over tour’s five majors. Nine others were within two strokes of the lead.

With windy, unseasonably cool conditions, it was the highest score for first-round leaders at the Tradition since three players tied at 3-under in 1990 at Desert Mountain Club in Arizona. The course absorbed more than an inch of rain heading into Thursday and the players were allowed to lift, clean and place their golf balls.

The Tradition hasn’t been so tightly bunched in the top spot after the first round since a seven-way tie in 2008 and the average score was about two strokes higher than last year’s first round.

“The winds were very tricky,” the 60-year-old Haas said. “I kind of had a handle on it, I thought, on the front nine. And then by the time we got to about 13, 14, 15, I had no idea which way the wind was blowing.

“With all the trees and the valley and everything, you get a lot of swirling winds and you just have to be extra careful and think it out and then hit the shot that you’re planning to hit, which I did most of the time.”

Calcavecchia birdied three of the final nine holes and came within a whisker of a fourth and the solo lead on No. 18.

“When it was about 10 feet short, I didn’t think it could miss,” he said. “It was just dead center the whole way and the last couple of feet, it was still in the middle of the hole and it just dribbled just a shade to the right and singed the right lip.

“That would have been nice to walk that one in to end the day. Those are the ones that make the rest of the day go by a little bit better, dinner taste a little better.”

Haas capped a run of three straight birdies with a 50-foot putt on the 12th hole to move to 5 under. He finished with six birdies and had bogeys on three holes, including two of the next four after the long putt.

The sun actually shone much of the day but the wind and wet course did make for some challenges.

“There was no roll in the fairways,” Calcavecchia said. “We had to play lift and place. The ball was just caked with mud every time you picked it up in the fairway. The wind was very tricky.”

Lu did manage to birdie the final hole and two of the last three to grab a share of the lead

The native of Taiwan has two second-places in the Tradition, 2010 in Oregon and 2012 at Shoal Creek.

Calcavecchia’s history at the scenic course has been up and down, though he says it’s his favorite stop on the Champions Tour.

He lost a six-shot lead in 2011, including a pair of weekend double bogeys on No. 12. This time he avoided a bogey on his most troublesome hole but tweaked a rib on a shot from the fairway bunker.

“The 12th hole is not my favorite out here, I’ll tell you that right now,” Calcavecchia said.

Browne’s only win on the 50-and-over circuit came in the 2011 U.S. Senior Open Championship. He missed five months of last season with a stress fracture in his back, playing only 14 events.

Browne, who tied for second at the ACE Group Classic in February, had a bogey-free round with his final birdie on No. 17.

“It was blustery and it was difficult to gauge, but my caddie and I did a decent job,” Browne said.

Steve Elkington, Willie Wood and Corey Pavin were one stroke off the lead at 70 and six players were two shots back.

DIVOTS: Defending champion David Frost had a 72. … Tom Lehman, the 2011 and 2012 winner, opened with a 73. … Fred Couples shot 74. … Bart Bryant withdrew after a death in the family while Craig Stadler and D.A. Weibring dropped out because of back problems. Stadler played nine holes before withdrawing. Rick Fehr replaced Bryant, and Doug Garwood filled Weibring’s spot.

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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