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Pro-independence Scots saddened by vote outcome

By WTOP Staff

EDINBURGH, Scotland (AP) — There’s disappointment among the people who voted yesterday for Scotland to leave the United Kingdom and become an independent country. The proposal was rejected — 55 percent to 45 percent.

One truck driver in Edinburgh who voted for independence says, “It’s all been for nothing.” He says he doesn’t believe officials in London who are promising more autonomy for Scotland and the rest of the U.K.

British Prime Minister David Cameron, though, says he will stick to his word on further powers for each of the U.K.’s four regions. Scotland is supposed to get new powers on taxes, spending and welfare. Cameron says the new plans will be agreed upon by November, with draft legislation by January.

Scottish First Minister Alex Salmond, who led the unsuccessful campaign for independence, today resigned his post. Despite the disappointment over the outcome, he said there’s now an opportunity to make sure officials in London give some “meaningful power to Scotland.”

“Harry Potter” author J.K. Rowling, who gave $1.6 million to the campaign against independence for Scotland, says all sides should be proud of the huge turnout and the “peaceful democratic process.”

%@AP Links

170-a-12-(Alex Salmond, first minister of Scotland, at news conference)-“shall never die”-First Minister of Scotland Alex Salmond says he is resigning as first minister and leader of his political party. (19 Sep 2014)

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182-a-10-(London Mayor Boris Johnson, in interview)-“nonsense of Westminster”-London Mayor Boris Johnson says the British Parliament in Westminster is now under pressure to ‘devolve’ some of its power to Scotland, while maintaining a proper level of oversight to all four nations within the United Kingdom. COURTESY: Sky News (19 Sep 2014)

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APPHOTO TH810: Scottish First Minister Alex Salmond looks down during a press conference in Edinburgh, Scotland, Friday, Sept. 19, 2014. Scottish voters have rejected independence and decided that Scotland will remain part of the United Kingdom. The result announced early Friday was the one favored by Britain’s political leaders, who had campaigned hard in recent weeks to convince Scottish voters to stay. It dashed many Scots’ hopes of breaking free and building their own nation. (AP Photo/PA, Danny Lawson) UNITED KINGDOM OUT, NO SALES, NO ARCHIVE (19 Sep 2014)

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APPHOTO LLP115: British Prime Minister David Cameron leaves after giving a statement to the media about Scotland’s referendum results, outside his official residence at 10 Downing Street in central London, Friday, Sept. 19, 2014. Scottish voters have rejected independence, deciding to remain part of the United Kingdom after a historic referendum that shook the country to its core. The decision prevented a rupture of a 307-year union with England, bringing a huge sigh of relief to the British political establishment. (AP Photo/Lefteris Pitarakis) (19 Sep 2014)

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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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