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Ravens RB Rice receives 2-game suspension from NFL

By WTOP Staff

OWINGS MILLS, Md. (AP) — Baltimore Ravens running back Ray Rice received a two-game suspension from the NFL on Thursday following his offseason arrest for domestic violence.

Rice will miss the season opener against AFC North champion Cincinnati on Sept. 7 and the Sept. 11 game on Thursday night against the Pittsburgh Steelers.

The six-year veteran was arrested following a Feb. 15 altercation in Atlantic City, New Jersey, in which he allegedly struck then-fiancee Janay Palmer. The 27-year-old Rice has been accepted into a diversion program, which upon completion could lead to the charges being expunged.

Rice met with NFL Commissioner Roger Goodell last month after joining the diversion program. Goodell ultimately decided to suspend the running back for two games without pay and fine him an additional game check “for conduct detrimental to the NFL in violation of the league’s Personal Conduct Policy.”

Despite the court’s decision not to impose criminal punishment, “the Commissioner determined, as he advised Rice, that the conduct was incompatible with NFL policies and warranted disciplinary action.”

In a letter to Rice, Goodell wrote: “As you acknowledged during our meeting, your conduct was unquestionably inconsistent with league polices and the standard of behavior required of everyone who is part of the NFL. The league is an entity that depends on integrity and in the confidence of the public and we simply cannot tolerate conduct that endangers others or reflects negatively on our game. This is particularly true with respect to domestic violence and other forms of violence against women.”

Rice’s suspension will begin on Aug. 30. He will be eligible for reinstatement Sept. 12 after the Pittsburgh game. Rice may participate in all aspects of training camp and preseason games.

“It is disappointing that I will not be with my teammates for the first two games of the season, but that’s my fault,” Rice said in a statement issued by the Ravens. “As I said earlier, I failed in many ways. But, Janay and I have learned from this. We have become better as a couple and as parents. I am better because of everything we have experienced since that night. The counseling has helped tremendously.”

Rice is the team’s career leader in total scrimmage yards and ranks behind only Jamal Lewis in total yards rushing.

Bernard Pierce is expected to start for Rice in Baltimore’s first two games.

Ravens general manager Ozzie Newsome said in a statement: “We appreciate the thorough process the league office used to evaluate the incident with Ray Rice. The time the Commissioner spent with Ray and Janay is typical of the extra steps the NFL takes when making decisions regarding discipline issues. While not having Ray for the first two games is significant to our team, we respect the league’s decision and believe it is fair.”

He added, “We also respect the efforts Ray has made to become the best partner and father he can be. That night was not typical of the Ray Rice we know and respect. We believe that he will not let that one night define who he is, and he is determined to make sure something like this never happens again.”

Rice’s teammates were not stunned by the news of the suspension.

“You knew something was going to happen,” wide receiver Torrey Smith said. “I’ll be glad when those two games are up.”

Coach John Harbaugh said, “It’s part of the process. There are consequences when you make a mistake; we’ll move forward.”

Rice participated Thursday in Baltimore’s first full-squad practice. Before that session began, the Ravens lost cornerback Aaron Ross for the season with a torn Achilles tendon, a mishap that occurred during his conditioning test.

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AP NFL website: www.pro32.ap.org and www.twitter.com/AP_NFL

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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