Towles helps lead Kentucky past Ohio 20-3

By WTOP Staff
September 6, 2014 | 7:40 PM

KEITH TAYLOR
Associated Press

LEXINGTON, Ky. (AP) — Kentucky quarterback Patrick Towles threw for 170 yards and rushed for 59 more to lead the Wildcats to a 20-3 win over Ohio Saturday.

Towles completed 17 of 31 passes and one touchdown and led the Wildcats to their first 2-0 start since 2011. Although Kentucky’s offense wasn’t as explosive as last week’s 59-14 rout of Tennessee Martin, it was enough to help the Wildcats avenge a 28-16 loss to the Bobcats in 2004.

Kentucky was without starting running back Braylon Heard who sat out because of a sprained ankle. Heard, a junior transfer from Nebraska, rushed for 116 yards and two touchdowns in the team’s opener last week.

JoJo Kemp and freshman Boom Williams split time in the backfield in Heard’s absence. Williams led the Wildcats with 60 yards rushing on five carries, including a 53-yard touchdown run with 8:24 remaining in the first quarter.

Towles had six rushes of 10 yards or more on 22 attempts, including a 16-yard jaunt in the second quarter. Towles made successful completions to four different receivers, with sophomore receiver Ryan Timmons catching 10 passes for 95 yards, both career highs.

Dorian Baker had two catches for 41 yards, including an 8-yard touchdown reception to open Kentucky’s scoring with 3:33 remaining in the first quarter.

After two straight scoring drives to open the contest, Kentucky’s offense managed just three points on its final four possessions of the first half. Towles completed 10 of 17 passes for 131 yards and one touchdown in the first two quarters. He added 46 yards on 13 carries.

Ohio (1-1) avoided the shut out on Josiah Yazdani’s 44-yard field goal at the 12:12 mark of the third quarter.

Kentucky held consecutive opponents scoreless in the first half for the first time since 1988.

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 This material may not be published, broadcast, rewritten or redistributed.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
July 14, 2026 | 6:30 PM

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

Read Next Story