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South Africa to vote this week

CHRISTOPHER TORCHIA
Associated Press

PRETORIA, South Africa (AP) — South African President Jacob Zuma said Monday that he anticipates an election victory this week for the ruling African National Congress, and that his government, if re-elected, will speed the provision of basic services following protests in many poor communities that complain they are sidelined.

Nearly 2,000 military personnel will assist police in ensuring security during the elections Wednesday. Officials are helping some South Africans, including the sick and the elderly, to vote early.

Zuma also said he had been unfairly labeled as corrupt because of a scandal surrounding more than $20 million in state spending on his private home. South Africa’s state watchdog agency had released a report concluding that Zuma inappropriately benefited from state funding and should pay back some money for alleged security upgrades at the president’s rural Nkandla residence.

The report, Zuma insisted to journalists in Johannesburg, did not conclude that he had abused government funds, despite growing public dissatisfaction over a series of scandals linked to the president. That feeling was most evident when Zuma was booed by some in the crowd at a stadium memorial in December for Nelson Mandela, South Africa’s first black president.

“I don’t think it is fair treatment to a citizen,” the South African Press Associated quoted Zuma as saying of reports that have criticized his conduct.

The spending on Zuma’s rural home was allegedly for security upgrades, and the president said security had been a problem there in the past, citing two separate incidents in which the home was burned and his wife was raped during a break-in. Zuma, who has four wives and 21 children, said those involved in the second incident were arrested and convicted, but he did not provide further details.

The Democratic Alliance, the main opposition party, said in a statement that Zuma and his family were entitled to security, but that the spending at Nkandla was “an exorbitant expenditure on non-security benefits to the President, with his knowledge and his failure to act to prevent it.”

While unease with Zuma has grown, it is not expected to shake core support for the ANC, which led the movement against white minority rule and has dominated politics since Mandela became president in South Africa’s first all-race vote in 1994. The party has touted its record of promoting democratic freedoms and providing housing, water and electricity to millions of people, but the country struggles with high unemployment and a gulf between the poor and the wealthy.

Protests in poor communities periodically erupt. On Monday, at least 5,000 people demonstrated for better government services in the Nsuze area in KwaZulu-Natal province, blocking a road with burning tires and stones, police said. There were no reports of injuries, the South African Press Association reported. In a separate protest, 40 people were arrested in street unrest Monday in the East Rand area near Johannesburg, according to Eyewitness News, a South African media outlet.

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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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