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With offense off, Patriots D steps up

FOXBOROUGH, Mass. (AP) — With the offense sputtering and looking for production, the New England defense has stepped up to lead the Patriots to wins the past two weeks.

After getting hit with 23 unanswered points in the second half of the opener at Miami, then getting run over for a first-drive touchdown at Minnesota, the defense has settled down. It hasn’t allowed a touchdown in 115 minutes, 54 seconds, and has taken its place among the NFL leaders on that side of the ball.

“Defensively, any time you can keep a team out of the end zone, you have to feel good about that,” coach Bill Belichick said after the Patriots allowed only three field goals in Sunday’s 16-9 victory over the Oakland Raiders.

The defense shut down the Adrian Peterson-less Vikings completely after their first drive. Then, Oakland, another team no one would put into the offensive behemoth category, got three field goals. The competition wasn’t great, but the group got it done.

The New England defense bent as rookie quarterback Derek Carr led his team downfield trying for a late tying touchdown. The Raiders actually scored from the 6, but the play was called back for a holding penalty. Then Patriots nose tackle Vince Wilfork wound up with a deflected interception as the game entered its final minute.

Wilfork got his third career interception, his second against the Raiders. He later said “it was a team play.” He noted he doesn’t come down with the ball if the other 10 guys hadn’t forced the throw underneath.

“The credit doesn’t go all to me,” Wilfork said.

He added: “I’m not worried about our offense.”

The overall defensive effort came on a day that saw Carr throw the ball effectively at ace cornerback Darrell Revis. The Patriots rank second in the AFC and third in the NFL, in total defense, and the interception was the eighth takeaway in three games.

“We’ve got a long way to go,” defensive coordinator Matt Patricia said Tuesday. “But I will say that our guys work extremely hard, they study very hard, they practice very hard, and they are great as far as that mentality of trying to be better than we were the day before, the play before, the game before.”

One of the early standouts has been third-year end/linebacker Chandler Jones, a 6-foot-5 disrupter. He blocked a field goal and returned it for a touchdown at Minnesota, and was chosen NFL defensive player of the week after eight tackles, including two sacks. He knocked down a couple of passes against Oakland.

Jones is third on the team with 14 tackles, 11 solo. Linebackers Jerod Mayo and Dont’a Hightower lead with 30 and 16, respectively.

“Chandler’s got good physical skills, does a good job,” Belichick said. “He’s long, he has good playing strength, he’s able to use his length to his advantage. He’s certainly gotten better at that each year since he’s been here.

“He’s been durable, tough, been out there, played a lot of plays, and has good durability and stamina. He has the ability scheme-wise — he’s a smart player. He has the ability to do multiple things for us defensively in terms of playing on the tackle, playing on the tight end, playing on space, playing in coverage. He’s been a versatile player. He’s done a real good job.”

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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

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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