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Volunteering at Md. Food Bank expected to slump after Christmas

Madeleine List
Capital News Service

COLLEGE PARK, Md. — After the holidays, the number of volunteers and
donations at the Maryland Food Bank is expected to decline. The needs of
Maryland’s hungry won’t.

“Hunger’s a year-round issue,” said Joanna Warner, communications director for
the Maryland Food Bank, a non-profit hunger relief organization with centers
in Salisbury, Hagerstown and Baltimore.

The need for food aid is clearly rising in Maryland, and not just at the
holidays, said Tom Blackburn, 61, pantry director at Community Assistance
Network Inc., a Baltimore County-based nonprofit that provides support to poor
neighborhoods.

The average number of families seeking food aid at the Community Assistance
Network pantry in the city of Baltimore has doubled in the last two years, he
said.

The pantry serves between 80 and 150 families a day depending on the time of
year, he said. In early November, the pantry served 200 families in one day, a
record high number, he said.

“It’s tough out there,” he said, adding that besides his job at the food
pantry, he works at a cleaning service and as a limousine driver just to make
ends meet.

“I think a lot of folks are unaware that there’s a lot of people
out there struggling to eat.”

Last year, the Maryland Food Bank distributed over 44 million pounds of food,
the equivalent of about 37 million meals, Warner said.

The number of Marylanders participating in the federal Supplemental Nutrition
Assistance Program, also known as SNAP or food stamps, increased by 118
percent between 2007 and 2012, according to the Food Research and Action
Center
, a national nonprofit anti-hunger group.

About 13 percent of Maryland’s population is food insecure, according to
Feeding America, a national hunger-relief organization. But 41 percent of
food-insecure people aren’t eligible for SNAP benefits because they make too
much money to qualify, but not enough to afford sufficient food for themselves
and their families, according to Feeding America.

“People making minimum wage, they’re still living in poverty,” said Michael
Freeman, 55, a food transporter for the Brooklyn Church of God pantry in
Baltimore. “The need every year gets bigger and bigger.”

In January and February, the Maryland Food Bank will need help categorizing
the supplies left over from the influx of holiday donations, but after
Christmas, volunteers are harder to find, said Meg Kimmel, vice president of
marketing for the Maryland Food Bank.

“Once the holidays are over, we have a real drop off in the number of
volunteers, and the need stays the same,” she said.

The Maryland Food Bank requires an average of 260 volunteers each week to box
and sort donated supplies, and shifts can be booked in advance, Kimmel said.

All of the shifts from October through December were already filled in July,
she said, but volunteers for the later winter months remain sparse.

People are in the giving spirit around the holidays, and are especially
inclined to help those suffering from food insecurity, Warner said.

“There’s an emotional toll because a lot of people are celebrating around a
table with family and friends and there’s a lot of empathy for people who
can’t,” she said.

The Maryland Food Bank raised more than $10,000 through the
statewide Giving Tuesday campaign run by Maryland Nonprofits, an organization
supporting the state’s nonprofit sector, she said. This money will help
provide around 20,000 meals, she said.

But it’s important to remember that the number of hungry people won’t decline
after the holidays, and the food bank can always use extra help, Kimmel said.

Regulars, like Maria Engelbrecht, 51, of Columbia, who volunteers weekly at
the Maryland Food Bank, help keep the work running smoothly all year.

“I feel like this is useful, like it’s going to help somebody,” she said.
“People are hungry all year round. There’s always a need.”

To donate, visit the Maryland Food
Bank’s website
.

(Copyright 2014 by Capital News Service. All rights reserved.)

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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