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Reynolds leads Navy over Temple

By WTOP Staff

ROB MAADDI
AP Sports Writer

PHILADELPHIA (AP) — With a 300-pound lineman rumbling toward the end zone for a game-tying touchdown, Navy’s defense came up with its biggest stop.

Keenan Reynolds ran for 173 yards and two touchdowns and Chris Johnson recovered Brendan McGowan’s lateral at the 10 to help the Midshipmen hold on for a 31-24 victory over Temple on Saturday.

“We put our defense in bad spots with turnovers, but they battled all game,” Navy coach Ken Niumatalolo said.

Reynolds only completed 4 of 8 passes for 30 yards while leading a triple-option rushing attack with 487 yards rushing and helping Navy (1-1) rebound from a tough loss in its season opener.

The Midshipmen had a 14-13 lead over then-No. 5 Ohio State in the third quarter before losing 34-17 last Saturday.

P.J. Walker had 240 yards passing and two TDs for Temple (1-1). The Owls were coming off an impressive 37-7 upset over Vanderbilt last week.

The Midshipmen needed a defensive stand to preserve the win after Nick Sloan missed a 43-yard field goal that would’ve given them a 10-point lead.

Walker scrambled to the 10 on the final play before lateraling the ball as he was surrounded by tacklers.

McGowan, a 300-pound right guard, caught Walker’s desperate pitch and ran to the 9 before tossing it backward. Johnson snatched it out of the air to secure the win.

“It was chaotic,” Navy safety Parrish Gaines said. “It was all over the place, but it was fun.”

Owls coach Matt Rhule wasn’t pleased with Walker’s decision to run from the 24 at the end.

“It’s not a run-scramble play,” he said. “It’s four guys go to the end zone and throw it up.”

Reynolds had TD runs of 48 and 3 yards to set a school record with TDs in 10 straight games. He left the game with a right knee injury late in the fourth quarter, but expects to play next week against Texas State.

“The trainers said I’ll be fine,” Reynolds said.

Temple forced seven turnovers against Vanderbilt in its first win over a Southeastern Conference team since beating Florida in 1938. The Owls picked up where they left off on Navy’s first play from scrimmage.

Sharif Finch swatted the ball away from Reynolds on a pitch. The ball rolled into the end zone and Finch fell on it for a 7-0 lead.

“We got too excited and maybe ahead of ourselves,” Temple safety Nate Smith said.

But Navy scored 31 of the next 38 points, building a comfortable lead that was too much for the Owls to overcome.

Reynolds made a nifty move after bursting through the line and sprinted down the middle for the 48-yard score to give Navy a 10-7 lead in the first quarter.

“They were giving us the downhill run,” Reynolds said. “It was hot. After a couple runs, I felt like one of the linemen out there.”

Reynolds ran 56 yards down the left sideline before getting tripped up at the Temple 20 to set up Geoffrey Whiteside’s 7-yard TD run that made it 17-7.

Temple fought back late in the first half. Walker tossed a 6-yard TD pass to Romond Deloatch to cut it to 17-14 with 3 seconds left in the second quarter. Deloatch made a leaping catch in the back of the end zone. It was initially ruled incomplete, but a video review showed that Deloatch got one foot inbounds.

Any momentum the Owls had following that score was squashed when the Midshipmen took the second-half kickoff, drove 75 yards and held the ball for 6:46. Reynolds capped the 14-play drive with a 3-yard TD run.

DeBrandon Sanders scored on a 24-yard run on Navy’s next possession to make it 31-14.

But the Owls wouldn’t go away.

Walker threw a 13-yard TD pass to Jalen Fitzpatrick to get Temple within 31-24 in the fourth quarter.

“They were a better team than us and executed better,” Rhule said.

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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