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Va. Gov.: Blessing more didn’t die in tornado

By WTOP Staff

CAPE CHARLES, Va. (AP) — Speaking a few dozen yards away from where two people were killed in a tornado that swept through a campground on the Eastern Shore of Virginia, Gov. Terry McAuliffe said Friday it’s a blessing more people didn’t die in the storm given the short notice that campers had to seek shelter.

McAuliffe toured the Cherrystone Family Camping and RV Resort on the Chesapeake Bay, a day after a fast-moving storm created a tornado that knocked down large pine trees, demolished some campers and flipped over others on Thursday morning. A married couple from Jersey City, New Jersey was killed when a tree fell on their tent. McAuliffe said their three children were also injured, and their 13-year-old son is in critical condition following surgery.

“This was a very freak accident that occurred here,” McAuliffe said of the storm. “It’s an incredible sight to see.”

The tornado traveled about eight miles, with some of that over water. Most of the damage occurred at the campground, but McAuliffe also said hundreds of acres of corn, soybean and cotton crops were also damaged.

The popular, 300-acre campground hosts small cabins, campers and tents that are surrounded by massive pine trees. More than 1,300 people were checked into the campground when the tornado struck. The National Weather Service’s preliminary report says the tornado hit between 8:25 a.m. and 8:40 a.m., with winds reaching up to 100 miles per hour.

Many people at the campground said they were alerted to the tornado warning only a few minutes before it via emergency messages on their cell phones.

“At 8:30 in the morning, luckily I think most people were up. But had they been asleep and more people in their tents and their campers, I think what occurred here yesterday would’ve been much worse. It is a tragedy, but as I say, the good Lord was watching out,” McAuliffe said.

State police said 36 people were injured during the storm. Many people began returning to their homes on Friday, while others cleaned up debris and tried to salvage whatever belongings they could find. McAuliffe, who was not accompanied by reporters on his golf cart-tour of the campground, said many people he spoke with said they would return to the campground again.

Many families have been coming to the campground, which has a fishing pier, swimming pools and a basketball courts, for decades.

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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