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The Right Note: Five Numbers to Think About

By WTOP Staff

The Right Note is a weekly opinion column. The views and opinions expressed in the column are those of the author and do not necessarily reflect the views of ARLnow.com.

Mark KellyI. 4.6 percent — The tax increase the average Arlingtonian faces even after a one-cent tax rate reduction. Fairfax passed a half-cent rate increase which pushed their dollar for dollar tax increase slightly above Arlington’s — up $357 versus $324. But, it will not be enough for Fairfax to overtake us in the race for the highest average tax bill. The Board could have and should have gone farther.

II. 41 percent — The percentage of Virginians who support expanding Medicaid. The Christopher Newport University poll seems to indicate that Virginians have no faith that the federal government will pay the promised cost share. The federal share is not slated to drop below 100 percent till the end of Gov. McAuliffe’s term, so he is betting on never having to figure out how to pay for any of it. These poll numbers reflect the reality that a nation approaching $20 trillion in debt will be unable to pay for a program that is already full of broken promise. Terry McAuliffe and the Senate Democrats may shut down the Virginia government over the promise “if you like your federal cost share you can keep it,” but it would be an ill-advised move.

III. $310 million — Not that anyone needs reminding that the Columbia Pike trolley will hang (at least) this much debt around Arlingtonians. But, the CIP fight is around the corner. It is where presumably the triumvirate of Fisette, Hynes and Tejada will reveal their plans to pay for it. As I wrote last week, Hynes and Tejada face the voters again in 2015 and would be most susceptible to public pressure to reject the project.

IV. 15 — The number of races on the ballot in Arlington in 2015 (Look for local Democrats use the double 15s in the name of their joint campaign). John Vihstadt’s success in a low turnout special election will hopefully encourage other candidates to emerge next year — a year that typically produces the lowest November general election voter interest. A little more competition in politics would be welcome news for taxpayers in a county where Democrats hold 14 of the 15 seats.

V. 1 — The number of Democrats threatened to be kicked out of the Arlington County Democratic Committee. Libby Garvey is likely to be removed for supporting John Vihstadt in the special election. I have not seen the ACDC membership roster, but I suspect Ms. Garvey was not the only Vihstadt supporter on the list. A removal will not prevent her from seeking the Democrats’ nomination in 2016. However, we can only assume it is being done to hamstring her in what will almost certainly be a contested primary.

Mark Kelly is a former Arlington GOP Chairman and two-time Republican candidate for Arlington County Board.

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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