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Arlington Seeks FEMA Funds for Derecho Clean Up

Arlington is hoping to receive some federal funds to cover the hundreds of thousands of dollars it lost during emergency response to the June 29 derecho storm.

County Manager Barbara Donnellan got the ball rolling by declaring a local emergency on June 30. Nearly 50 other Virginia localities did the same. Yesterday, Governor Bob McDonnell formally requested assistance for the state from the the Federal Emergency Management Agency, estimated at $27.5 million. Now it’s up to President Obama to either approve or deny the disaster funding.

Jack Brown, Director of the Arlington County Office of Emergency Management, explains that to be eligible for federal funds, the county must incur more than around $700,000 in expenses. So far, the bill from the June storm adds up to approximately $802,000, which includes costs for personnel, equipment and debris removal. The total could increase as more numbers are finalized.

Brown offers a reminder that there’s a lot of paperwork and a long review process involved, and that reimbursements filter in gradually once approved.

“They don’t just cut one check for the whole amount,” he said. “We went through this after the huge snowstorms of 2009 and 2010. It’s about a year long process.”

Arlington didn’t get all the funding it requested following those snowstorms, but it fared better than many surrounding jurisdictions, according to Brown. He credits all of the individual departments involved for collecting and sorting the receipts and data that had to be submitted. The county received a total of $1.6 million, covering one storm in December 2009 and two in February 2010.

Although receiving reimbursements often involves an arduous process, Brown said the end result makes up for it.

“Once we know there has been a federal declaration, then we would go through the process with FEMA and the state, and go through all those records,” said Brown. “But it’s worth it at the end of the day.”

For now, Brown said the county continues to calculate its expense requests from the derecho, while waiting for word from the President.

“Other areas of the country were hit harder than we were with different storms, so we’re all just waiting,” said Brown.


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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