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Obama invites India’s new leader Modi to visit US

By WTOP Staff

JOSH LEDERMAN
Associated Press

WASHINGTON (AP) — President Barack Obama is inviting India’s next prime minister, Narendra Modi, to visit the United States, offering a fresh start to a relationship bruised by a decision years ago not to let Modi into the U.S.

In a phone call to Modi on Friday, Obama congratulated the Indian leader and his Bharatiya Janata Party on their victory in India’s national election, the White House said. Obama told Modi he looks forward to cooperating closely to deepen the relationship between the U.S. and the world’s largest democracy.

Obama invited Modi to come to Washington “at a mutually agreeable time to further strengthen our bilateral relationship,” the White House said.

The invitation marked an attempt to bury the hatchet with Modi and repair ties between the U.S. and India that were strained by the arrest late last year of an Indian diplomat in New York.

A Hindu nationalist and leader of India’s opposition, Modi was decisively elected India’s next leader in what the White House described as the largest free and fair election in human history.

But in 2005, Washington denied Modi a visa, alleging he was complicit in religious riots in 2002 that killed more than 1,000 Muslims.

Modi’s party maintains he was exonerated when investigators appointed by India’s Supreme Court in 2010 did not find prosecutable evidence that Modi had willfully allowed the 2002 communal violence. Still, rights groups maintain there is strong evidence linking Modi’s administration with the attacks.

The Obama administration started mending ties in February by dispatching the U.S. ambassador and other top officials to meet with Modi as his potential victory in the elections looked increasingly likely. That reconciliation appeared to take a major step forward on Friday with the congratulatory call from Obama.

“Once the government is formed, we look forward to working closely with the prime minister and the Cabinet to advance our strong bilateral relationship based on shared democratic values,” Carney said.

Secretary of State John Kerry added his congratulations on Twitter, pledging to work with Modi to promote shared prosperity and security. His spokeswoman at the State Department, Jen Psaki, said that as the head of a foreign government, Modi would be eligible for an A-1 visa, the type given to foreign diplomats and government officials.

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Associated Press writer Matthew Pennington contributed to this report.

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Reach Josh Lederman on Twitter at http://twitter.com/joshledermanAP

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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