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Chan unsure about future in skating

By WTOP Staff

TORONTO (AP) — Olympic silver medalist Patrick Chan still hasn’t watched the tape of his performance at the Sochi Olympics.

He’s not planning to any time soon.

Chan had a strong opportunity to become Canada’s first Olympic men’s figure skating champion last February, but struggled in his free skate and finished behind Japan’s Yuzuru Hanyu.

“It took me some time at the games to get over the disappointment of being so close, yet so far,” Chan said. “I had a couple reminders when I was on tour in Japan skating with Yuzuru in the shows. That didn’t help, either. So I think the last thing I want do is look back at the programs, even though some things were great.

“Knowing me, I’m a perfectionist, I’ll just pick on the bad stuff. It will eat away at me. For me, the best way to cope with how I did is just look at those two medals I got and look at them as two great silver medals.”

Canada also wound up second in the team event behind host Russia.

“Silver medals that a lot of people dream to have and then move on,” Chan added. “Move on by sharing it with Canada, sharing it with people here. That helps me cope with that bit of a disappointment.”

Chan didn’t try to win a fourth straight world title this year. He skipped the event in Japan and Hanyu took gold there as well.

Chan, 23, has yet to decide if he’s up for another four-year cycle of training and competitions ahead of the 2018 Pyeongchang Olympics. He’s skipping the Grand Prix season and will wait until later this year before making a decision on Canadian nationals and the world championships.

“I’m going to take a bit of a break from the Grand Prix season,” Chan said. “I’ve done it so many years, I think I deserve a bit of a break from it. Just take that opportunity to catch up with friends that I haven’t had a chance to, and play some hockey or go do things that I’ve always wanted to do and just haven’t had the chance.

“I think that will help me find that motivation again to come back. Just so I feel like I’m not missing out on some stuff that I’ve wanted to do since my childhood.”

Canada’s nationals will be held Jan. 17-25. Shanghai will host the March 23-29 worlds.

“That’s another thing to consider,” he said of any comebacks. “It’s not something I can just show up at in January and hope that I skate well and win another title. It’s something that I have to really prepare and I’d want to prepare properly, so I’d have to take time out of the fall to start training for that.

“If I’m committing to the next four years to the next games, then I want to take at least one year for myself to not stress and just take a breath and really plan my life just by what I want to do, not what people tell me to do.”

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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