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Klinsmann, Loew nurse US, Germany to KO stage

By WTOP Staff

NESHA STARCEVIC
AP Sports Writer

RECIFE, Brazil (AP) — Joachim Loew and Jurgen Klinsmann shook hands, smiled and patted each on the shoulders, like the two good friends they are. The two coaches had every reason to be pleased: both of their teams advanced to the knockout stage of the World Cup.

Loew’s Germany beat Klinsmann’s United States 1-0 thanks to Thomas Mueller’s fourth goal of the tournament and the outcome allowed both teams to advance. Portugal beat Ghana 2-1 in the other Group G match but both were eliminated.

A draw would have been enough as well, and it had been the matter of much conjecture before Thursday’s match at the rain drenched Arena Pernambuco. But neither team held back and both attacked, although Germany was clearly in control.

“Well, first I asked him (Klinsmann) for the result of the other match. I didn’t know that and he also told me they advanced and I told him, I’m happy,” Loew said.

“That is a tough group and the Americans were a bit the outsiders. Everybody considered Portugal a favorite to make it. … (The Americans) really have qualities, they fight, they can run and they really are tough on the opponent. If you beat Ghana, play a draw against Portugal, I think you deserve to make it to the next round.”

Germany, a three-time champion, now travels to Porto Alegre to play Algeria, the runner-up in Group H, on June 30. The Americans play group winners Belgium on July 1 in Salvador.

Belgium beat South Korea 1-0 and Algeria finished second in the group with a 1-1 draw against Russia.

“It’s a good feeling because now it’s really just a clear picture for everyone. Just focus on that one opponent you have for that next game. … We’ll just talk about one team to beat at a time and this is why I’m really excited” about this next phase, Klinsmann said.

Klinsmann was Loew’s predecessor and made him his assistant, until Klinsmann quit following Germany’s third-place finish at the 2006 World Cup at home. Loew then took over and is still looking for his first major title.

Klinsmann also warmly embraced Germany players, some of whom got their start under him. Mueller got his Bundesliga debut in August 2008 when Klinsmann was the coach of Bayern Munich.

Klinsmann must have had a good nose for talent, since Mueller is on track to retain his Golden Boot title by scoring his fourth goal of the tournament, to go with five he had in 2010.

Germany’s goal came in the 55th minute after a corner by Mesut Ozil. U.S. goalkeeper Tim Howard did well to punch out a header by Per Mertesacker but pushed the ball into the path of Mueller who rifled a shot inside the far post from the edge of the penalty area.

“We clearly dominated the match and we played not a bad game against a top-fit American team,” Mueller said. “I finally scored a pretty goal. I manage it every now and then. We’re all terribly ambitious and this ambition can take us very far and I try to give my part in each and every match.”

Mueller played despite needing five stiches to close a cut above his right eye sustained in the 2-2 draw with Ghana on Saturday and still visible five days later.

The United States had a chance to level the match in stoppage time, but Alejandro Bedoya’s low shot inside the box was swept away by the sliding Mario Goetze, a late substitute. The Americans won a corner but Clint Dempsey’s header at the far post went high.

“We knew it would be a difficult match today. We were ready for that. We controlled the match and did not allow any chances until late in the match,” Loew said. “We failed to score a second goal that would have settled the issue earlier.”

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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