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Ky. GOP Senate seeker toils toward Election Day

ADAM BEAM
Associated Press

FRANKFORT, Ky. (AP) — GOP Senate candidate Matt Bevin rolled his “New Generation of Leadership Bus Tour” up to Kentucky’s state Capitol Friday to rally voters in his longshot bid to oust the most established of Washington bigwigs in Tuesday’s primary. But there were no voters to rally against Republican Leader Mitch McConnell, or Washington, for that matter. Or even the status quo.

A bunch of kids too young to vote passed by on a tour of the state Capitol. Bevin introduced himself.

“Tell me who your U.S. senators are,” Bevin said. “Right now one of them is running for re-election. Who is that? Mitch McConnell. And someone is running against him. Now, who do you think we should vote for?”

“Somebody!” came the answer, from a kid named Alex.

Bevin is poised for a deflating loss to the five-term Senate leader Tuesday, underscoring the steep fall of a tea party-fueled movement dedicated to upending Washington. Four years ago, it was powerful enough to topple Democrats from the House majority and push McConnell to curtail support for sending taxpayer dollars to home-state projects.

McConnell has already begun attacking Democrat Alison Lundergan Grimes, as both parties battle for control of the Senate in the 2014 midterm elections. Republicans need to gain six seats to grab the majority of the 100-member chamber.

Bevin, who’s been tarnished by speaking at a rally to legalize cockfighting, insisted he will defeat McConnell Tuesday despite recent polls that show him trailing the Senate veteran by 32 percentage points.

“That’s the nature of running against an incumbent. We never expected anything different,” Bevin told reporters. “We are literally and figuratively keeping our foot on the gas for these last several days.”

With Kentucky Democrats unified behind Grimes, the state Republican Party asked McConnell and Bevin to sign a pledge saying they would support whoever wins Tuesday’s Republican primary. McConnell signed the pledge; Bevin has not. Democrats say that’s a sign of a divided Republican electorate and bodes well for Grimes in November.

Friday, Bevin said McConnell would lose to Grimes. But he said he would not support Grimes in the general election.

“I have never supported a Democrat in my life over a Republican. I see no chance of that starting any time in the foreseeable future, including this race,” Bevin said.

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

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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