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Rookie QB Lobato, Dolphins fall to Falcons 16-10

By WTOP Staff

CHARLES ODUM
AP Sports Writer

ATLANTA (AP) — The matchups seemed to greatly favor Atlanta when the Falcons and Dolphins each turned to backup quarterbacks in the first quarter.

The Falcons’ top backup was T.J. Yates, a fourth-year veteran with five career starts. The Dolphins’ No. 2 quarterback was Seth Lobato, an undrafted rookie from Northern Colorado.

Lobato didn’t appear to be rattled by the big stage, but he lost a late fumble inside the Atlanta 10 that ended Miami’s comeback hopes in its 16-10 loss to the Falcons on Friday night.

Despite the turnover, Lobato may have surpassed the expectations of some in the preseason opener for both teams.

“Considering everything, I thought he did a good job,” Dolphins coach Joe Philbin said. “I thought he had poise and good command of what we were doing.”

Lobato led Miami to the Atlanta 5-yard line with less than 3 minutes remaining before fumbling a shotgun snap. Defensive end Nosa Eguae recovered for Atlanta.

“As a quarterback, I have to make that play and can’t let the ball get on the ground in that situation,” said Lobato, who took over after Ryan Tannehill opened the game with a touchdown drive.

Lobato completed 14 of 28 passes for 124 yards.

“I felt really comfortable and thought the line did a great job protecting me,” Lobato said.

“I thought that we did some pretty good things as an offense and made some plays. We just didn’t make enough plays.”

Lobato was needed as Miami top backups, Matt Moore (shoulder) and Pat Devlin (hamstring), were held out.

Tannehill was 6 for 6 for 62 yards, including a 6-yard touchdown pass to Brandon Gibson, to open the game.

Tannehill completed a 36-yard pass to Rishard Matthews to set up the touchdown.

“It felt good,” Tannehill said. “It was a good start for us. I thought that we ran the ball effectively, had some short passing game and then the one vertical shot to Rishard.

“All in all I felt it was a good start for us. We had limited action, but I felt that we were effective the few plays that we were in.”

Atlanta’s Matt Ryan also was sharp, completing each of his seven attempts for 53 yards on Atlanta’s opening drive. Jacquizz Rodgers capped the drive with a 2-yard scoring run.

Ryan called the opening possession — 15 plays for 77 yards — “exactly what you want for your first drive of the year.”

“We were able to run the ball pretty effectively, and when we did have the opportunity to throw, we were able to move the chains,” Ryan said. “We were able to overcome a couple of penalties, we were able to keep going, and punch the ball into the end zone.”

Matt Bryant closed the first half with a 21-yard field goal for Atlanta. Danny Hrapmann kicked a 42-yarder in the second quarter for Miami. Sergio Castillo added field goals of 21 and 34 yards in the second half for Atlanta.

Yates, the favorite to win the job as Ryan’s top backup, completed 7 of 16 passes for 123 yards. Yates is competing with Sean Renfree, a second-year player from Duke who completed 6 of 15 passes for 108 yards.

NOTES: Rodgers started as Steven Jackson continued to recover from a left hamstring injury. … Philbin said he had no update on RB Damien Williams, who was carted off the field with an undisclosed injury late in the game. … Miami S Reshad Jones, who on Friday was suspended for the first four games of the regular season for violating the NFL policy on performance-enhancing substances, played with the other defensive starters.

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

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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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