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Agent for Browns’ Hoyer confident contract coming

By WTOP Staff

TOM WITHERS
AP Sports Writer

CLEVELAND (AP) — Brian Hoyer’s precarious grip on the Browns’ starting job — and rookie Johnny Manziel’s presence — makes it tough to negotiate a new contract for the quarterback.

His agent thinks it will happen anyway.

Hoyer, who is coming back after undergoing offseason right knee surgery, will enter training camp with the lead in his competition with Manziel. But until the Browns are convinced Hoyer is healthy, and providing he holds off Manziel, it’s difficult for the team to gauge his value. Agent Joe Linta said the sides have had some preliminary discussions, but it may be some time before they get serious about negotiations.

“We just had a couple of friendly conversations,” Linta said in an email to The Associated Press on Tuesday. “They agreed that it’s very difficult to assess his worth presently. I think that this will all work itself quickly as the season moves forward.”

Hoyer went 3-0 as a starter last season before tearing his anterior cruciate ligament while sliding at the end of a scramble. He recovered more quickly than doctors expected and he moved well during practices in the team’s mini-camp this spring. Hoyer was kept out of 11-on-11 drills to avoid contact, but he’s expected to be fully cleared when training camp opens on July 26.

First-year Browns coach Mike Pettine recently said Hoyer had the lead in the quarterback competition over Manziel, who was selected in the first round of May’s NFL draft. Manziel could one day supplant Hoyer as Cleveland’s starter, but that’s not guaranteed, so it’s difficult for the team to decide whether they should pay Hoyer like a starter or a backup.

After all, Hoyer had been a career backup before the Cleveland-area native signed a signed a two-year, $1,965,000 contract with the Browns in May 2013. He received a $250,000 roster bonus in March and is scheduled to make a base salary of $1 million next season. The deal can reach $1.15 million with incentives.

The 28-year-old Hoyer has waited patiently for his chance to start. He’s paid his dues. He also has impressed the Browns with his determination to return to the field.

Linta said Hoyer is committed to the Browns, and he’s hoping they feel the same way about him.

“Brian wants to be in Cleveland,” Linta said. “He loves how the fans rallied around him and the team during his winning streak last year. He’ll never forget that. With that in mind and if the Browns want him, we will work something out eventually. (General manager) Ray Farmer and (executive VP) Sashi Brown are good guys to deal with and they, like the fans, want to win regardless of who the QB is.”

Farmer did not reply to an email seeking comment.

___

AP NFL website: www.pro32.ap.org and www.twitter.com/AP_NFL

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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