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Montgomerie looking for Champions Tour win

By WTOP Staff

BENTON HARBOR, Mich. (AP) — Colin Montgomerie had a one-liner ready to go when asked his winless first year on the Champions Tour.

“I haven’t won yet and I would love to win, obviously, a senior event somewhere, whether it be in this decade or not,” Montgomerie said Wednesday at Harbor Shores on the eve of the Senior PGA Championship.

Montgomerie, who will be 51 on June 23, is in the marquee group Thursday with Ryder Cup Captain Tom Watson and Bernhard Langer, a two-time winner this year and the money champion five of the last six years.

Watson said Montgomerie’s ability to hit high fade shots fits the design of Harbor Shores, the Jack Nicklaus-designed resort layout that opened in 2010. England’s Roger Chapman won the 2012 Senior PGA at Harbor Shores and the course also will be the tournament site in 2016 and 2018.

“Monty’s starting to play well out here,” Watson said. “Jack likes to build his greens where cut shots are the iron shots of choice, so that will be an advantage for (Montgomerie).”

Montgomerie admitted iron play has always been his strength, and called the course unique.

“I look forward to trying to attack certain pins and not the others you have to be very careful with,” said Montgomerie, who has six top-10 finishes and a tie for 16th so far this year on the Champions Tour. “You have to be very careful here and use the head an awful lot of the time. I see what the designer was trying to do. There are pockets in the greens where you have to hit (the ball). What you must not do is miss those pockets.”

The Scot said he has enjoyed playing on the Champions Tour more than he was anticipating.

“The competition is very high, extremely high,” he said. “I wish it was lower, but it’s not. And it’s good that it is that good. That means that when you do well it’s actually meaningful.”

Last year, Japan’s Kohki Idoki rallied to win at Bellerive in St. Louis. Jay Haas and Kenny Perry tied for second, two strokes back. Last week, Perry won his third straight Champions Tour major, beating Mark Calcavecchia by a stroke in the Regions Tradition at Shoal Creek in Alabama. Perry won the Senior Players Championship and U.S. Senior Open in consecutive tour starts last year.

Perry’s last round at Harbor Shores was a Senior PGA record 9-under 62 in the final round of the 2012 Senior PGA. He couldn’t catch winner Roger Chapman, but he remembers his round and feels he knows the secret to the sometimes dramatic undulating greens.

“I had great control of the ball with my irons,” he said. “I drove it beautifully that day, and I was able to keep the ball in the right plateau to give myself realistic birdie putts on these greens.”

Perry, who splits time between the PGA Tour and the Champions Tour, covets a spot in the PGA Championship later this summer in his home state at Valhalla in Louisville. The winner Sunday earns an exemption.

“I’ve given 30 years of my life to the PGA Tour and it would be a great way to kind of end my chapter on the PGA Tour out there,” he said.

Fred Couples is skipping the tournament because of back troubles.

DIVOTS: Created at Bobby Jones’ suggestion, the event was first played in 1937 at Augusta National. … England’s Roger Chapman won in 2012 at Harbor Shores. … Gene Fieger won the rain-delayed Senior PGA Professional National Championship last month at PGA Golf Club in Florida to top the 35 club professional qualifiers. He’s the PGA director of golf at Hideout in Naples, Florida. … The 2015 tournament will be played at French Lick Resort in Indiana.

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

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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