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The face of HIV/AIDS is increasingly female

By WTOP Staff

Paula Wolfson, wtop.com

WASHINGTON – Margot Isaac was five months pregnant when she was diagnosed with HIV/AIDS in 1991. She got the virus from an infected boyfriend, and passed it on to her child during labor.

“My daughter, Hollis, only lived for 26 months,” she says.

Isaac is part of an increasing number of women in the District living with HIV/AIDS. Of the city’s estimated 14,000 infected, roughly 4,000 are women.

In Maryland, about 36 percent of the 30,000 HIV cases are women and in Virginia 26 percent of the 21,000 cases are women.

Isaac is on a mission to help them.

“[Hollis] came into this world for a reason,” she says. “And it is up to me to make sure the world knows she was here.”

At first, Isaac says she retreated from her world. But in time, she began to realize she had to fight back against the disease to honor her child.

Isaac calls herself a survivor, and says she was lucky that the virus remained at low levels in her body until the first treatments became available. In time, she became an activist and advocate for women with HIV – first with the Women’s Collective in D.C., and now with National Association for People with AIDS.

She says there has been progress since she was first diagnosed two decades ago.

“Today, in 2012, there is no mother-to-child transmission,” she says. “There are medications that help with that.”

Still, the number of women with HIV/AIDS, particularly low income African-American women, continues to rise.

According to D.C. government statistics, the HIV rate among these women has nearly doubled in recent years – from 6.3 percent to 12.1 percent.

“Women are still finding out during their pregnancies that they are HIV positive,” says Isaac.

She says there are not enough programs in the area for women battling HIV/AIDS, and not enough funding for education and other services.

Getting the word out has become Isaac’s mission.

“Women all have the same issues,” she says. “We want to be happy. We want to have a successful life. HIV should not interfere with that.”

As for her own personal battle against the disease, Isaac says she is doing well and getting lots of support.

“I am going to survive this,” she says, “I am going to be an old lady. I know that.”

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(Copyright 2012 by WTOP. All Rights Reserved.)

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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