10 Things to Know for Thursday

By WTOP Staff
May 28, 2014 | 9:27 PM

The Associated Press

Your daily look at late-breaking news, upcoming events and the stories that will be talked about Thursday:

1. WHY OBAMA IS SPEAKING OUT ON FOREIGN POLICY

His speech at West Point was part of a concerted White House effort to answer critics and stress the point that not every problem has a military solution.

2. MAYA ANGELOU, POET AND AUTHOR, DIES AT 86

Her memoir, “I Know Why the Caged Bird Sings,” made Angelou one of the first black women to enjoy mainstream literary success.

3. PRESSURE BUILDS ON SHINSEKI TO RESIGN

An investigation finds systemic problems in the VA’s sprawling nationwide system, which provides medical care to about 6.5 million veterans each year

4. APPLE BUYS HEADPHONE MAKER, MUSIC STREAMER BEATS FOR $3B

It’s the most expensive acquisition in Apple’s 38-year history, a price that the company is paying to counter a threat posed to its iTunes store.

5. HOW SNOWDEN JUSTIFIES LEAKS

He says in a TV interview that he believes he served his country in exposing the NSA’s surveillance programs.

6. WAISTLINES BULGING AROUND THE GLOBE

More than 2 billion people — almost a third of the world’s population — are now overweight or obese, according to a global analysis.

7. ANOTHER HEADACHE AS WORLD CUP APPROACHES

The worst drought in 80 years is hitting Sao Paulo, Brazil’s largest city and site of the tournament’s opener.

8. WHAT’S BECOME A REASON TO CELEBRATE

“Divorce parties” are on the rise, many with cakes featuring weapon-wielding brides or gloomy black frosting on upside-down tiers.

9. ACTRESS AIMS TO SHIELD HOLLYWOOD’S YOUNGEST

Kristen Bell is leading a campaign to rid the media of paparazzi images of celebrities’ kids.

10. MAN U, TAMPA BAY BUCS LOSE OWNER

Malcolm Glazer, whose poor health in recent years kept him from being involved in day-to-day operations of either of his sports franchises, dies at 85.

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 This material may not be published, broadcast, rewritten or redistributed.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
July 14, 2026 | 6:30 PM

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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