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No charges in Fla. for Kaepernick, 2 other players

By WTOP Staff

CURT ANDERSON
AP Legal Affairs Writer

MIAMI (AP) — San Francisco 49ers star quarterback Colin Kaepernick and two other NFL players will not face charges in an incident involving a woman at a downtown hotel, prosecutors announced Thursday.

A memo released by the Miami-Dade County State Attorney’s Office said there was insufficient evidence that any crime was committed in the hotel room on April 1. Tests indicated the woman was not sexually assaulted and other evidence backed up the players’ contention that nothing happened.

In fact, the memo by Assistant State Attorney Laura Adams described the woman as incoherent when police and fire-rescue officers responded to 911 calls to the room at the Viceroy Hotel. She had to be sedated in order to be taken to the hospital, where she was temporarily involuntarily committed for her own safety, the memo says.

“When she heard the officers’ voices, the complainant started screaming incoherently about Jesus and devils,” Adams wrote.

A hotel security officer told police that when he arrived at the room, the woman began praying, “asking God to forgive her of her sins” and began screaming in words the security officer couldn’t understand, according to the memo. She banged her head against the walls and started kicking uncontrollably.

At the hospital, doctors noted that she was “severely agitated” and appeared to be in an altered mental state, although no evidence of drugs beyond marijuana were detected in her system, Adams wrote. The woman had told police she and the three players had drinks and smoked marijuana earlier in the night.

Kaepernick consistently denied any wrongdoing. Earlier this month the 49ers gave the 26-year-old a $126 million, six-year contract extension that will keep him in San Francisco through 2020. He was drafted in 2011 in the second round out of Nevada.

The other players in the room that night were 49ers wide receiver Quinton Patton, and Seattle Seahawks wide receiver Ricardo Lockette.

The prosecutor’s memo says that an attorney for Kaepernick and Lockette told investigators they met the woman about a year ago in Atlanta and that she and Kaepernick had sex. The woman later told Kaepernick she was pregnant and he cut off contact with her, including changing his phone number, the memo says.

Eventually, she learned Kaepernick and Lockette would be in Miami and made arrangements to visit them, traveling by Greyhound bus. After the woman’s behavior deteriorated, Kaepernick contacted a nearby friend and decided to leave the hotel.

“I’m leaving right now I’m terrified,” Kaepernick texted the friend, according to the prosecutor’s memo.

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Follow Curt Anderson on Twitter: http://twitter.com/Miamicurt

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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