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Rush-hour Moscow subway derails; 20 dead

By WTOP Staff

MOSCOW (AP) — Investigators now say it wasn’t a power surge that caused this morning’s deadly subway train derailment in Moscow.

The derailment, deep below the city’s streets, left at least 20 people dead and sent 150 others to the hospital — many with serious injuries. The dead and injured had to be removed from twisted and mangled cars, which had been crowded with passengers at the height of the morning rush hour.

Officials had said earlier that a power surge triggered an alarm, causing the train to stop abruptly. They now are looking at whether there was a problem in one of the cars, or whether the roadbed had sunk.

Moscow’s airports and transit systems have been a prime target for terrorists over the past two decades, but officials are vigorously dismissing terrorism as a possible cause.

In a video released by emergency officials, several wrecked train cars appeared to be almost coiled, occupying the entire width of the tunnel. Workers were trying to force open the mangled doors of one car to retrieve bodies. Survivors, meanwhile, walked along the tracks in the dimly-lit tunnel.

Technical glitches occur regularly in the Moscow Metro, but the system hasn’t seen deadly accidents in decades.

%@AP Links

158-c-17-(Jim Heintz, AP correspondent)-“investigate what’s happening”-AP correspondent Jim Heintz reports that the derailment is in a tunnel that’s far from the surface. (15 Jul 2014)

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157-c-19-(Jim Heintz, AP correspondent)-“of terrorist act”-AP correspondent Jim Heintz reports that a subway train has derailed in Moscow, causing multiple deaths and injuries. (At latest count 20 had died and more than 150 were injured; watch for updates.) (15 Jul 2014)

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APPHOTO XAZ117: Paramedics and firefighters carry an injured man out of a subway station after a rush-hour subway train derailment in Moscow, Russia, Tuesday, July 15, 2014. A rush-hour subway train derailed in Moscow Tuesday, killing 20 people and injuring at least 150, emergency officials said. Several cars left the track in the tunnel after a power surge triggered an alarm, which caused the train to stop abruptly. (AP Photo/Ivan Sekretarev) (15 Jul 2014)

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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 This material may not be published, broadcast, rewritten or redistributed.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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