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Brazil prosecutors try to halt government WCup ads

By WTOP Staff

ADRIANA GOMEZ LICON
Associated Press

SAO PAULO (AP) — Federal prosecutors in Brazil have asked a court to suspend the airing of government advertisements touting the benefits that the World Cup will bring to the country, saying the ads are “absurdly divorced from reality.”

The federal attorney general’s office in Goias state presented a civil demand late Monday to a judge calling for the commercials to be pulled immediately. The ads compare the government’s spending on stadiums for the tournament to investment in public transportation or education.

Prosecutor Ailton Benedito said that “besides not coinciding with the reality, the content of the publicity campaign reaches the collective unconsciousness with the subliminal message that the federal government has fulfilled its promises.”

Government officials did not immediately respond on Tuesday to telephone calls and email messages from The Associated Press seeking comment.

The suit focuses on two ads of 30 and 60 seconds, which Brazil’s government launched this month apparently in response to protests against World Cup spending. Protesters say the money could have been better spent on other things in a country plagued by poor public services.

In one of the ads, a women says that “the Cup is good for Brazil” and states that while the cost of building stadiums for the tournament is $3.5 billion, the government spent 100 times that on health and education polices over the last four years.

The ads show highways, airports and trains, saying the World Cup will generate an economic influx of almost $63.8 billion. “Two hundred million Brazilians are already winning. It is our Cup. The Cup of Cups,” said one of the ads, which have appeared on television and the Internet.

Audits have concluded that the cost of stadium construction reached $4.2 billion, almost four times the figure estimated in a document published in 2007 by the international soccer governing body, FIFA, a few days after Brazil was selected to host this year’s World Cup.

Benedito calls the ads misleading, since overall spending on the World Cup is much higher. The official cost for World Cup projects is $11.5 billion.

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 This material may not be published, broadcast, rewritten or redistributed.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