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Spurs get rest, home-court _ and chance at revenge

By WTOP Staff

TIM REYNOLDS
AP Basketball Writer

When last season’s NBA Finals ended, San Antonio coach Gregg Popovich was all smiles.

For a few minutes, that is.

Popovich’s first order of business after the season’s final buzzer sounded in Miami was to go and embrace Erik Spoelstra, LeBron James and Dwyane Wade, giving everyone hearty hugs and offering genuine words of congratulations after the Heat topped his Spurs in Game 7 of one of the most dramatic, thrilling championship series in league history.

The pain of losing started setting in later, and lasted for months. But now, the dream scenario for San Antonio has arrived.

Starting Thursday, the Spurs get a rematch in the NBA Finals against the only team to ever beat them in a championship series. San Antonio will be holding home-court advantage, so if another Game 7 awaits, the Spurs will have the decided edge this time around. If that wasn’t enough, the Spurs even got basically five full days between games to get healthy and prepare.

It is, without question, everything the Spurs could have wanted.

“We know what we’re going against,” said Spurs guard Tony Parker, who added that he has great respect for what the Heat have done in this four-year run. “It’s a great challenge.”

There are so many things that would seem like a distinct San Antonio advantage right now.

First, while everyone’s better at home, the Spurs dominate in San Antonio, winning 103 times in their last 123 games there. Over the past four seasons, the Spurs are also 25-5 when having three or more days between games.

Maybe most importantly, having nearly a week between the end of the Western Conference finals and the start of the NBA Finals gives Parker plenty of time to get his ailing left ankle ready to go for Game 1.

“I’ll do my best,” said Parker, who didn’t practice Tuesday but is hoping to play in the series opener, as the Heat expect he will.

This is San Antonio’s sixth trip to the NBA Finals. The Spurs won it all in 1999, 2003, 2005 and 2007, the last title in that run coming when San Antonio swept a Cleveland team that featured a young LeBron James making his debut on the league’s biggest stage.

James is no finals apprentice anymore. He’s been to the title round three times since, winning the last two. And James is quick to point out that the Spurs aren’t the only team fueled by hunger in this championship round.

“Both teams have motivating factors,” James said. “They have a motivating factor. We have our own.”

Losing the finals is one thing.

Losing the way the Spurs did last June, that’s something else.

Forget Game 7 for a moment. Game 6 will be replayed for as long as there are replays, unforgettable for both how the Heat rallied and how the Spurs collapsed. A 10-point lead going into the fourth quarter was erased, in part because Mike Miller scored three points on one shot while wearing one shoe. And a five-point lead with 28.2 seconds left, well, you know the rest.

Manu Ginobili misses a free throw. James makes a 3-pointer. Kawhi Leonard makes one of two free throws. James misses a 3-pointer. Chris Bosh out jumps Ginobili for the rebound. Ray Allen started backpedaling to the right corner, hoping for a chance.

ABC’s Mike Breen described what happened next like this: “Rebound Bosh … back out to Allen … his 3-pointer … BANG!!! Tie game!”

The Heat went on to win in overtime that night, then found a way to win Game 7 and the title, 95-88. When this season began, Popovich started camp by showing his team Games 6 and 7, painful as it was.

“I try to learn something every game I watch,” Popovich said. “That’s what we do.”

And while there were plenty of teams that looked like contenders this season, neither club was surprised that the end result is the first NBA Finals rematch since 1998.

“We got wined and dined with some of the other teams that kind of popped up and showed greatness throughout the year,” Allen said. “The Clippers looked great. OKC, they had their issues and then they popped up. Memphis looked good at the end of the year. Indiana was always hovering. But if you go back to the beginning of the year, most people said the same thing. Pop knew how to manage his team to get to this point. Same thing with us.”

In other words, maybe Spurs-Heat II was meant to be.

“It was,” Allen said.

___

Associated Press Writer Raul Dominguez in San Antonio contributed to this story

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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