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Distracted smartphone walking poses safety risks

WASHINGTON — Smartphone users are starting to fill up emergency rooms as distracted walking is to blame for everything from sprained ankles, broken bones and even deaths.

“You see people in restaurants with their phones all on the table; you see people checking their phones walking on the street; you see people who refuse to put their phones away at movie theaters or on an airplane because they have to check in,” says Dr. Larry Rosen, a professor of psychology at California State University. “It is a detriment to our health and safety.”

A 2012 Pew Research Center survey found that 23 percent of cellphone owners have bumped into someone or something because they were distracted by what was on their phone. And 50 percent said they were knocked into by someone else who was using their phone and not paying attention.

Rosen, author of iDisorder: Understanding Our Obsession with Technology and Overcoming Its Hold on Us, says people get obsessed with the fact that the computer in our pocket puts the world at our fingertips. “You have to keep checking in to make sure we don’t miss anything.”

That’s causing us to walk into walls, off piers, into fountains, off curbs, into each other and onto busy streets.

Last April, Liberty Mutual Insurance conducted a nationwide survey of more than 1,000 people and found 60 percent acknowledged they routinely read or send texts and emails, talk on their phone or listen to music while walking. Some 70 percent said they realize this behavior increases their chances of getting hit by a car.

Rosen says we only have a limited amount of brain processing at any moment, and “if you are allocating a lot of the capability to checking in on your communications, emails, and texts, then there is not going to be a heck of a lot more left to keep you safe.”

The solution? Rosen, whose next project is a book on distraction, says it’s complicated. We are all distracted as it is, but researchers are starting to find that smartphones, electronic communication and especially social media are far more distracting than anyone ever imagined.

“It’s one thing to be at home working on your desk top or laptop computer and be distracted,” he says. “It’s quite another to be walking in the middle of a busy intersection and be distracted.”

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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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