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Bjorn sets course record to lead at Wentworth by 2

By WTOP Staff

BERNIE McGUIRE
Associated Press

VIRGINIA WATER, England (AP) — Thomas Bjorn set a course record at Wentworth with a 10-under-par 62 on the opening day of the BMW PGA Championship on Thursday.

Bjorn grabbed an eagle and seven birdies to end his round two shots clear of Shane Lowry of Ireland, who shot 64 on the West Course.

However, poor weather forced two separate delays totaling nearly two hours in the European Tour’s flagship event, and darkness halted play with 33 in the 150-man field yet to complete their first round.

It is the third occasion in Bjorn’s 21-year European Tour career he’s shot a round of 62, and the Dane rated it the best in his 434 tournaments.

“Absolutely,” he said. “You can’t ask for much more.”

Bjorn is contesting his 17th BMW PGA, with his best finish being a share of fifth in 1988, and comes after he missed the cut in the Spanish Open last week with 75-78.

“Last week was awful, and I was starting to feel a bit frustrated with things, and to be honest in practice, it hasn’t been great, either,” he said. “So … today is a little bit surprising.

“I haven’t had the best record here. I haven’t had the best round here. It’s been a long time since I’ve actually had any sort of result on this golf course. It’s not a place when I come in here, I think, ‘Oh, this is going to be a great week.’ I guess I’ve got to start sticking my head down for the rest of the week.”

Lowry produced his best round since a Carnoustie course-record 64 last October in the Alfred Dunhill Links Championship. He made only 25 putts with an old putter he found in his Dublin apartment.

“I have been messing about here and there with putters, and pulled this one out, got the cobwebs off it,” he said.

Rafa Cabrera-Bello of Spain was alone in third place with a 65, and Gary Stal of France made the most of his last minute call-up by shooting a 66.

Stal was first reserve for the event, and took the place of countryman Victor Dubuisson, who pulled out injured.

Rory McIlroy’s 4-under 68 included holing his second shot for eagle at the par-four seventh hole, and landing his second shot to within six inches for eagle at the par-five 12th.

“The two eagles helped, and it’s a good round for me around this place,” he said. “It’s a place I’ve notoriously struggled on, but it was good to shoot something in the sixties.”

Henrik Stenson, who can become the new world No. 1 with a good result, also carded 68.

However, defending champion Matteo Manassero of Italy slumped to an 8-over 80 that included a quadruple-bogey nine at the 17th.

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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