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Study: Apple’s new iPhones score big in durability

By WTOP Staff

ANNE D’INNOCENZIO
AP Retail Writer

NEW YORK (AP) — Apple’s new and bigger iPhone 6 and iPhone 6 Plus are more durable than last year’s model and a leading Android phone, a study says.

Apple’s iPhone 6, whose screen measures 4.7 inches, did the best across a variety of tests that measures how prone smartphones are to break due to everyday accidents, according to SquareTrade, a company that provides extended protection plans.

The iPhone Plus 6, whose screen measures 5.5 inches, wasn’t far behind but lost points because it could slip out of a person’s hand since some users may have a hard time gripping its large but slim form, SquareTrade says.

The iPhone 5s, which measures 4 inches and came out last year, fared better than Samsung’s Galaxy S5, which measures 5.1 inches. The Samsung phone got poor marks on several tests including the slide test. The more a phone slides, the greater its chance of falling off the edge of a table.

Still, all four of the smartphones tested had a medium risk of breakage and had no drastic differences among them.

“The phones are getting more and more durable,” says Ty Shay, chief marketing officer at SquareTrade. “Manufacturers are paying more attention.”

SquareTrade examines the phones based on eight factors, including size, weight, grip and the quality of the front and back panels. The company measured how far the phones slide when pushed across a table on their backs and how well they withstand drops from 4 feet and being dunked in water for 10 seconds.

SquareTrade says it uses robots to do the testing to ensure consistency, and rates the phones on a 10-point durability scale, with 10 signifying the highest risk. Apple’s iPhone 6 scored the best at 4; the iPhone 6 Plus scored a 5; the iPhone 5s a 6; and Samsung Galaxy S5 a 6.5.

Apple’s iPhone 6 and iPhone 6 Plus passed the slide test, but the iPhone 5s and Samsung Galaxy’s S5 got poor marks in that area. The iPhone 6 Plus was the only one that didn’t fare as well when dropped 4 feet by the robot. The glass screen survived, but the case separated from the glass. All four phones fared well in the water resistance test.

SquareTrade provided The Associated Press with the results ahead of Monday’s announcement.

Aside from larger screens, the new Apple iPhones 6 and 6 Plus announced this month promises faster performance and offers a wireless chip for making credit card payments at stores by holding the phone near the payment terminal. The phones start at $199 with a two-year service contact. The new iPhones initially were available this month in the U.S., Australia, Canada, France, Germany, Hong Kong, Japan, Puerto Rico, Singapore and the U.K. Availability is expanding to more than 20 additional countries.

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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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