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Friends mourn woman who died napping between jobs

ADAM GELLER
Associated Press

NEWARK, N.J. (AP) — In news reports, Maria Fernandes was the hardworking New Jersey woman who died in her car when she pulled over for a nap between shifts, likely overwhelmed by fumes. But family and friends who laid her to rest recalled the 32-year-old Fernandes as so much more.

Fernandes earned a living working minimum wage jobs at three Dunkin’ Donuts stores. When she died last month in the parking lot of a convenience store in Elizabeth, she had just completed an overnight shift at a shop in nearby Linden.

“I want you to know the real Maria,” longtime friend Dar’Shay White told about 50 mourners who filled folding chairs Friday at the Evans-Gordon Funeral Home in Newark. “There was nothing poor about her. Maria was rich — in love, in care.”

White and others barely mentioned Fernandes’ work life.

Instead they eulogized a woman who insisted on spending her money on others, who relished having a good time and whose passion for all things Michael Jackson bound her to a tightknit group of friends.

Friends and family, as well as people whose only knowledge of Fernandes was reading reports of her death, returned her generosity by raising about $6,000 online in the last few days to pay for her service. They took turns speaking of her Friday as Jackson’s music played in the background. But despite mourners’ insistence that the day be a celebration of Fernandes’ life, her death prompted weeping and despair over the open casket and, later, at graveside.

“My dear friends, sometimes the mysteries bring us to our knees,” the Rev. Augustine Adjei-Boachie told the mourners.

Police says Fernandes died after pulling into the parking lot on her way home to Newark at about 6:30 a.m. Aug. 25 to take a nap. She fell asleep and was found dead hours later. While toxicology reports have not yet been completed, investigators believe she died after inhaling fumes, noting that a gas can had tipped over in the car’s trunk. The car was turned off when police arrived.

Her death generated attention both in the U.S. and overseas, with some people seeing Fernandes as a symbol of the struggles of modern working life. Fernandes was born in Massachusetts and moved to Portugal with her parents before returning to the U.S. at 18 or 19, a path that drew attention to her death in Europe, as well. The outpouring of interest, though, points not just to how she died but also to who she was, friends said.

“Maria did not die in vain!” friend Rochelle Sylvestre said. “She is a driving force of nature that has brought people together and is continuing to do just that even in death.”

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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