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Slain rookie officer recalled as eager learner

DAVID PORTER
Associated Press

JERSEY CITY, N.J. (AP) — A rookie police officer slain in an ambush over the weekend had dreamed of being a cop as a kid and was an eager learner who had recently gotten a tip from his uncle, a retired officer, and put it into action, the uncle said at his funeral Friday.

“He wanted to follow in the footsteps of his Uncle Frank,” Frank DeFazio said during the services for Jersey City Officer Melvin Santiago at St. Aloysius Catholic Church.

“It was my honor,” he said, addressing the flag-draped casket, “to work alongside you, Officer Santiago.”

Hundreds of mourners filled the church and more than a thousand more uniformed officers lined the surrounding streets as the hearse slowly made its way past. Among the mourners were Gov. Chris Christie and former Gov. Jim McGreevey.

The 23-year-old Santiago was killed early Sunday in what authorities have described as an ambush by an armed man who grabbed a security guard’s gun at a 24-hour Walgreen’s and then waited for police to arrive before he started shooting.

Suspect Lawrence Campbell, who had been wanted by police in a separate murder investigation, was slain in the shootout, after telling a witness to watch the evening news because he was “going to be famous.”

DeFazio recalled Friday how, even when Santiago was working at a Target store and didn’t own a car, he never missed a birthday party of a relative’s baby girl even though it was a two-hour trip each way.

It was at the toddler’s birthday party last Saturday, the day before he died, that Santiago told DeFazio he had taken his tip on positioning during a traffic stop and used it on the street.

“He told me, ‘Uncle Frank, I did the car stop just like you told me and it blew my partner’s mind,'” DeFazio said. DeFazio added that Santiago had scheduled an appointment for Monday morning at a BMW dealer to buy the car he’d always coveted.

The service’s other public speaker, Jersey City Mayor Steven Fulop, noted that Santiago had requested to work in the city’s western section, where much of Jersey City’s violent crime is concentrated, so he could watch, learn and “bring pride to the west.”

“Melvin understood that being a police officer was dangerous, but that it was the highest calling of service possible,” Fulop said.

Santiago was promoted posthumously this week to the rank of detective and awarded the police department’s medal of honor.

“He walked quietly through life as a polite, respectful, compassionate man,” DeFazio said. “The bullet that stuck Officer Melvin Santiago in the head also struck my heart.”

Santiago was one of two New Jersey police officers to die in the line of duty this week. On Thursday, Waldwick Officer Christopher Goodell was killed when a tractor-trailer slammed into the back of his unmarked car as he was monitoring speeders on Route 17.

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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