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Not too late: Summer travel deals and destinations

WASHINGTON — If you’re without vacation plans this summer but hope to get away during the season’s last two months, there are still plenty of deals to be had and plenty of destinations from which to choose.

Laura Powell, a veteran travel journalist and blogger for The Daily Suitcase, has ideas on budget-friendly, last-minute summer vacations, as well as local getaways and trends in travel.

Last-Minute Destinations

To snag a deal in the dog days of summer, Powell says, scout destinations where July and August are considered the off-season. “If you’re willing to go to places where it’s really hot or where there are threats of hurricanes, those are good options.”

Resort prices in the Caribbean and parts of Florida are greatly reduced in the summer, and hotels in Phoenix and Scottsdale, Arizona, typically offer major discounts during summer’s hottest months. In Arizona, Powell says, a room at a high-end hotel, such as The Four Seasons, may be discounted up to $300 a night.

If the heat during the day is too much, Powell suggests flipping your normal schedule. Stick to the spa or indoor shopping during the day, and enjoy the pool later in the afternoon or golf in the evening.

Cutting Costs When Booking

With so many deal sites out there, booking a vacation on the Internet can be overwhelming. But Powell says a few websites, such as Airfare Watchdog and Kayak, consolidate prices offered from the major online booking sites.

“[They] will give you the whole gamut so that you don’t have to go to each individual site. That can save you some time for your comparison shopping,” Powell says.

If the price of a hotel looks too good to be true, chances are it is. Many have hidden costs that drive up the price of your stay.

Be wary of tax, which, if left off the reduced rate, can add quite a bit to your final cost — especially in a city such as New York, where taxes are up to 20 percent, Powell says. Parking is another cost to consider; some hotels charge upwards of $40 a day.

If you need access to the Internet on your trip, find out whether Wi-Fi is included in the advertised rate.

“Some hotels — especially the more expensive hotels — charge you $20 a day for Wi-Fi,” Powell says.

Resort fees — or an added cost for using resort facilities — are another hidden fee some travelers encounter.

“This is what they do to keep the room price down, but in essence, you’re still paying an extra $25 a day for this resort fee,” Powell says. “These are the little extras that people may not think about when they see that great deal online and say,

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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