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Typhoon shifts slightly from Manila, leaves 1 dead

JIM GOMEZ
Associated Press

MANILA, Philippines (AP) — Typhoon Rammasun strengthened overnight, leaving at least one person dead and knocking out power in many areas, but its fierce wind shifted slightly Wednesday to spare the Philippine capital, Manila, and densely populated northern provinces from being directly pummeled, officials said.

Still, the typhoon’s 150-kilometer (93-mile) wind and blinding 185-kph (115-mph) gusts, brought down trees, electric posts and ripped off roofs across the capital of 12 million people where government offices and schools were closed. While there have been no reports of massive damages and flooding, officials warned the public the danger wasn’t over.

“We’re telling the people this is not a time to act like toughies because it’s still dangerous. There could be storm surges,” Alexander Pama, executive director of the National Disaster Risk Reduction Management Council, told reporters.

A woman died after being hit by a fallen electric post in Northern Samar and two men were electrocuted but survived in Camarines Sur. Three fishermen have been reported missing in Catanduanes. The three provinces were lashed by Rammasun after it made landfall in Albay province late Tuesday.

Instead of slamming into Manila, the typhoon veered slightly westward and struck Cavite province just south of the capital and was barreling toward the Bataan Peninsula at mid-morning and was expected to blow toward the South China Sea. But Rammasun’s 500-kilometer (310-mile) wide band of wind and rain still hammered a wide swathe of the capital and northern agricultural provinces, government weather forecasters said.

There were no immediate damage estimates, especially in communities that lost power and telephone connections while being pummeled by the wind and rain.

With last year’s massive devastation and deaths from Typhoon Haiyan still in many people’s mind, nearly 150,000 people fled from high-risk communities into emergency shelters, officials.

Polangui Mayor Cherilie Mella Sampal said 10,000 of the 80,000 residents in her town in Albay, about 340 kilometers (210 miles) southeast of Manila, were evacuated before the typhoon struck Tuesday. Sampal said she saw the wind topple electric posts and lift roofs off houses.

Sampal said residents were worried after witnessing Haiyan’s horrific aftermath in the central Philippines last November.

“We’re used to and prepared for calamities,” Sampal told The Associated Press by cellphone. “But when people heard that the eye of the typhoon will hit the province, they feared we may end up like the victims of Yolanda,” she said, referring to the local name of Haiyan.

Haiyan’s strong winds and tsunami-like storm surges flattened towns, leaving at least 6,300 people dead and more than 1,000 missing.

“I was scared because our house was being pounded by strong wind and rain. We were drenched in the rain,” Lucille Navarro, a 35-year-old mother of two, said by cellphone from a crowded evacuation shelter in Albay.

Rammasun, the Thai term for god of thunder, is the seventh storm to batter the Philippines this year. About 20 typhoons and storm lash the archipelago on the western edge of the Pacific each year, making it one of the world’s most disaster-prone countries.

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Associated Press writer Oliver Teves contributed to this report.

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

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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