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Van Gaal leads Dutch into World Cup semifinals

By WTOP Staff

MIKE CORDER
Associated Press

SALVADOR, Brazil (AP) — Louis van Gaal made the call, and Tim Krul made the saves.

In another move that will only add to his reputation as a tactical mastermind, the Netherlands coach led his team into the World Cup semifinals after bringing on Krul with seconds remaining in extra time.

Moments later, Krul saved two penalties in a 4-3 shootout victory over Costa Rica, making the Manchester United-bound Van Gaal again look like a football genius.

“It worked out,” Van Gaal said Saturday after his team played Costa Rica to a 0-0 draw through extra time. “That was beautiful. I’m a bit proud of that.”

Jasper Cillessen had started in goal for the Dutch team, but Van Gaal made the decision to pull him after 120 minutes of scoreless football and replace him with Krul.

The Newcastle goalkeeper, who really only touched the ball twice all game, saved the second and fifth penalties, and guessed the correct way on all five.

“We thought it all through,” Van Gaal said. “We all thought that Tim Krul was the best keeper to stop penalties. He is taller and has a longer reach. We prepared for the Costa Rica penalties just as we prepared for our own penalties.”

In the semifinals, the Netherlands will face Lionel Messi and his Argentina teammates in Sao Paulo on Wednesday.

Although Krul made the decisive stops in the shootout, it was Costa Rica goalkeeper Keylor Navas that was the star of the match.

Navas made a string of saves to keep the attacking Dutch scoreless for 90 minutes of regulation time and 30 minutes of extra time.

His night, however, will forever be overshadowed by Krul, and by Van Gaal.

“I never saw something like that,” Costa Rica midfielder Celso Borges said of the goalkeeping change. “But they were right, he did his job.”

Van Gaal has made several inspired changes at this year’s World Cup in the team’s five straight wins. He brought on Klaas Jan Huntelaar against Mexico and the Schalke striker had an assist and scored a stoppage-time penalty to win 2-1.

Against Chile, midfielder Leroy Fer scored within a minute of coming on to break a 0-0 deadlock. Another substitute, Memphis Depay, scored the second in the 2-0 victory.

On Saturday, Navas had kept his team in the match with some excellent saves. And when Wesley Sneijder twice beat him late in regulation and again in the second half of extra time, the woodwork made the stop.

Sneijder hit the post with a free kick in the 80th minute and then sent a curling shot over Navas and off the crossbar before the penalty shootout.

At the end, however, Navas could not stop any of the four Dutch penalties as veterans Robin van Persie, Arjen Robben, Sneijder and Dirk Kuyt all scored.

“Of course you want to stop the penalty,” Navas said. “But they shot better and I could not stop them.”

Navas couldn’t, but Krul could.

“Tim stopped two penalties,” Van Gaal said, “and it doesn’t get better than that.”

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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