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Will dreams of a white Christmas come true for 2014?

WASHINGTON — Are you dreaming of a white Christmas? OK, let me be honest. After a few days of just a cold rain, I am ready for some snow. And right in time for Christmas.

So, what are the chances we can see a white Christmas around the WTOP listening area?

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The current weather predictions for a white Christmas in 2014. (NOAA)

According to this map put together by the National Climatic Data Center (NCDC), there is about a 11 percent to 25 percent chance that there will be at least an inch of snow on the ground on Dec. 25. To get specific, there’s a 15 percent chance of that scenario for most of the WTOP listening area – unfortunately. The data map above is based on the historic probabilities measured throughout the last three decades — 1981/2010.

According to NCDC, “This dataset contains daily and monthly normal of temperatures, precipitation, snowfall, heating and cooling degree days, frost/freeze dates and growing degree days calculated from observations at approximately 9,800 station operated by NOAA’s National Weather Service.” Our local National Weather Service Office has done some incredible research in this category. They found that since 1888 there were only 19 occurrences with measurable snow on the ground already from a previous snow storm or measurable snow fell on Christmas Day. That on average is about once every six or seven years or 15 percent.

So, you’re telling me we have a chance?!

Well, yes, albeit a small one. The last time we had snow on Christmas Day was in 2002 when we received a whopping 0.2 inches at Reagan National Airport. Think about it this way: measureable snow (at least 0.1 inch of snow) has only fallen on the City of D.C. on Christmas Day 10 times in the past 130 years. Therefore, on average, snow falls on Christmas Day every 13 years or around 8 percent.

Click here for stats from the National Weather Service in Sterling. From the National Weather Service:

“In the past 20 years there have only been two Christmases that had snowfall: 1993 and 2002. Both years featured just a fraction of 1.” Furthermore, there were only two years in the past 40 that had 1.00″ or more of snow on the ground on Christmas. They were during the very cold December of 1989 when nearly 2.00″ of snow was on the ground from previous snowfall that month. More recently in 2009 we had 7.00″ still on the ground from the first of our major snowstorms that record setting winter. All 7.00″ of that snowpack on Christmas 2009 melted by the next morning (as temperatures rose into the mid-40s).

Of note, 18 years ago in 1993, in a span lasting less than 30 minutes in the evening, 0.2″ of snow fell with upwards of 1.00″ falling in the western suburbs. That quick bust of snow on Christmas night in 1993 caused severe travel problems. Much of the snow melted on contact with paved surfaces as temperatures were just above freezing at the time the snow feel. However, an arctic cold front swept in just after the snow ended. Any water remaining on roads and sidewalks from melted snow quickly flash froze into a thin layer of ice which caused gridlock and treacherous travel that night.

Precipitation of any sort (rain included) is much easier to come by of course. Fifty-one Christmases have had measurable precipitation. That translates to about a 36% probability of measurable precipitation or roughly on in every three years.”

So, with snow falling on Christmas Day averaging every 13 years, and having last seen snow on Christmas Day in 2002, we may have to wait until Christmas 2015.

Usually the typical Christmas Day consists of a morning low of 30 degrees with daytime highs rising into the mid-40s. History also tells us that it’s partly cloudy on Christmas Day.

There’s nothing in the works yet as we are waaaaaay too far out. But, as always, I will continue to keep an eye on it as we get closer to the 25th.

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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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