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Blog: On the run – and on the road

Editor’s Note: To mark a milestone birthday, WTOP’s Paula Wolfson has signed up to run the Marine Corps Marathon. She will be sharing her journey along the way in a series of blog posts.

Paula Wolfson, wtop.com

WASHINGTON – Into every exercise routine must come…vacation!

So how do you stay on track when your week at the beach falls in the middle of, say, training for your first marathon?

It’s not as tough as it may seem.

“Vacation is the perfect time to be innovative,” says my fellow runner, nutrition and wellness expert Elise Museles. She also says it doesn’t hurt to have a plan before you travel.

For me, the destination was the coastal community of DeBordieu, S.C. and a reunion with four gal pals from high school (yes, we have known each other that long).

The first thing I did was check with my hostess about nearby running trails. And then I decided to, shall we say, take a different route. I took advantage of my surroundings and hiked the beach for miles daily with my friend Kathi.

Elise says I did the right thing.

“I think there is a balance there. You are still moving but not going on those super long runs,” she says.

“You were probably even stronger than when you left because you were refreshed and rejuvenated, and sometimes a break from the routine will actually help you go back to the routine with a stronger mindset,” she said when I returned.

And I did not go back to my regularly scheduled program 1 ounce heavier, despite regular restaurant meals with the gang.

The same thing happened last year when we cashed in the frequent flyer miles and took a family trip to Rome. Ah, you say, “Pasta! Gelato! Extra inches on the hips!”

Yes and no. We ate our gelato on the Spanish steps and became regulars at a trattoria near our hotel with a killer risotto. We also walked everywhere. And thanks to my 6-foot-tall husband and his long legs, we moved at a fast pace.

Elise says walking is a great way to stay in shape on vacation. She says check with the locals about the best routes and see the sights at your own pace (literally). She notes an early morning walk will let you do some window shopping without doing any damage.

She also suggests doing some research online before you travel.

“Some cities even have bike tours, you can go and see things by bike,” she recommends.

Elise says her favorite way to exercise on the road is to walk or run before the tourists are out. She suggests traveling with a basic piece of exercise equipment: a jump rope to get in a quick ten minutes of cardio.

No jump rope for me on the Rome trip, just a lot of time on my feet. And the upshot? I came back 3 pounds lighter (and with an Italian bag — so much for Elise’s window shopping theory).

More importantly, two weeks later, I clocked my best time ever in a half-marathon. Go figure.

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(Copyright 2012 by WTOP. 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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