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Looking for love after 50 with online dating

WASHINGTON — After being in a marriage for 32 years, Patty D.* found herself single at the age of 50.

The Baltimore County, Maryland, resident didn’t meet anyone of interest on her own, and was never set up through friends, so she took matters into her own hands: She turned to online dating.

“I didn’t have any expectations for anything beyond a date,” says Patty, who is now 59. “I was looking to have a good time.”

With 29 percent of adults age 45 to 59 — and 45 percent of people 65-plus — single, more seniors are following Patty’s decision to turn to the Internet to find love or companionship.

Sound surprising? The statistics say this trend is anything but.

Sami Hassanyeh, chief digital officer at AARP, says 78 percent of baby boomers are online and 52 percent of adults 65-plus are online. And they’re not just spending their time on Facebook. According to Match.com, people over 50 make up the online dating service’s fastest-growing segment of users.

In an effort to connect single adults in the 50-plus population, AARP recently teamed up with HowAboutWe to form AARP Dating, an online dating site that launched in January 2013. In its first year, the site saw more than 700,000 visitors and suggested more than 250,000 dates.

Hassanyeh says the organization decided to launch the dating service to help the 17 percent of older Americans who suffer from isolation — something he calls “a serious and significant issue.”

“It affects their health, their quality of life, their level of happiness.”

He explains that AARP Dating, which costs around $18 a month for AARP members, aims to improve the social lives of its users. The service encourages subscribers to take their connections from the online platform to offline interactions.

“Being happier, having a better social circle, friends and family around you, really improves your outlook on life,” Hassanyeh says.

Finding Love Online

Patty is one of the lucky ones, but her success with online dating took about 10 months.

Prior to meeting her current partner on a free online dating service, she endured encounters with men who tried to scam her for money. She was also contacted by married men.

“It was such a variety of different people you would come across,” says Patty, who is now able to look back and laugh at her experiences.

After a handful of disastrous dates, Patty found a true match online; she has been dating the same man for over nine years.

But Patty is not hoping to hear wedding bells anytime soon. She has no desire to live with her “partner,” as she calls him. She says neither one of them wants to cohabitate (they live about 3 miles from each other), and neither wants to get married.

Pepper Schwartz, a professor of sociology at the University of Washington and AARP’s love and relationship ambassador, says not wanting to get married is pretty common among the older dating population.

Match.com reports only 14 percent of boomer women and 22 percent of boomer men say their number-one reason for dating is to find someone to live with or marry.

Schwartz tells the New York Times that financial considerations are one of the main reasons people 60 and older are not interested in tying the knot.

“I don’t have to live with him, but we’re always there to support each other,” Patty says. “I’m really happy I’ve got a companion.”

Looking for Love Online

Karen Marov, 67, decided to try online dating right after she retired from her job as a sales manager at a newspaper.

“I promised my daughters I would start getting more involved for myself,” says Marov, who lives in Old Bridge, New Jersey.

Unlike Patty, Marov had some initial hesitations about online dating. She started with a free online dating service, but says she didn’t feel very safe on the site.

“You never know what’s on there,” says Marov, who was turned off after being set up with someone who had a DWI on his record. “You can’t tell what you’re reading; you just don’t know.”

She joined AARP Dating in January and says she feels a little better using the organization’s site, since she’s more likely to have something in common with its users. But she continues to navigate online dating with caution.

“When you’re older, you’re not just looking for a nice-looking person. You’re looking for someone that had or has a job, is educated,” Marov says.

She has been on one date since beginning AARP Dating, but again was turned off after learning about her date’s history with alcoholism.

However, says she’s not giving up. She’ll occasionally check out other users’ profiles and says she will most likely continue to use the site.

“I’m not sure if this is the way to meet someone,” says Marov, who likes to bike, hike and swim and describes herself as “still pretty young.”

Rather, she says she would prefer to attend organized meet-and-greets with other AARP members in her community.

“In my age group, we have a lot to talk about, as far as, how you are finding retirement, finances and things like that. We could help each other that way, even if we don’t date,” she says.

AARP’s Hassanyeh says hesitations are normal for all online daters, and especially for those who haven’t been on a date in several years.

“They want to make sure, ‘Am I talking to a real person on the other side? Are they being honest?'” he says.

To help address these concerns, AARP’s website includes articles and blogs that offer tips to readers, ranging from “do’s and don’ts” for online dating, to how to date in the digital age. AARP also has a sex and intimacy blog, manned by sociology professor Schwartz, who answers user-submitted questions on a variety of topics.

Patty’s best advice to anyone thinking about online dating after 50 is to stay on-guard and “don’t be na

Don’t Settle for Student Loans to Pay for Online Education

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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