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Bills WR Sammy Watkins signs rookie deal

By WTOP Staff

MARK LUDWICZAK
Associated Press

ORCHARD PARK, N.Y. (AP) — The Buffalo Bills signed first-round pick Sammy Watkins to his rookie contract Wednesday.

The Bills announced the signing shortly after the team’s first session of organized team activities.

“It’s great just to put all that behind me, just to know you have financial stability,” Watkins said. “Now it’s just all football. Every day I have to come in and worry about football and my plays and my job and just work out there.”

Buffalo is counting on Watkins to immediately step into the starting lineup for a team that has not been to the playoffs since 1999, the NFL’s longest current drought.

The Bills moved up five spots in the draft in a trade with the Cleveland Browns to select Watkins fourth overall. The 6-foot-1, 211-pound wideout is known for his playmaking abilities and has tremendous speed and hands.

Wednesday was Watkins’ first official practice with quarterback EJ Manuel and the rest of the offense. He lined up with the starting unit at receiver alongside fellow offseason acquisition Mike Williams.

Watkins and Manuel had a slow start to the session. An early pass intended for Watkins was off the mark and intercepted by cornerback Corey Graham.

But the duo responded accordingly. The two later hooked up for receptions over the middle and down the left sideline.

“It’s coming along,” Watkins said. “We’ve got a lot to work on, a lot of different routes and schemes we’ve got to clean up a little bit. But it’s a process.”

Watkins will miss Buffalo’s remaining two sessions this week as he heads to Los Angeles to participate in the 2014 NFLPA Rookie Premiere. He made it clear he would prefer to be on the football field adjusting to life with the Bills.

“I would rather stay here and get the connection with the quarterback. I don’t want to fall behind,” Watkins said. “It’s kind of sad that I have to leave for three to four days and everybody has that two to three days ahead of me. So I really have to study the plays and get out there running and training, not get behind too far.”

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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 This material may not be published, broadcast, rewritten or redistributed.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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