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Soaked for charity: Ice bucket challenges get cool

DENISE LAVOIE
Associated Press

BOSTON (AP) — The idea is simple: Take a bucket of ice water, dump it over your head, record it and post the video on social media.

It’s cold, it’s fun and it’s contagious. But these ice bucket challenges and similar social media-powered stunts also are raising awareness and money for causes such as Lou Gehrig’s disease, breast cancer and a camp for kids who have lost their fathers to war.

Martha Stewart has been doused. So has Matt Lauer. And pro golfer Greg Norman.

The fundraising phenomenon asks those willing to douse themselves to challenge others to do the same within 24 hours. If they don’t, they must make a donation to a certain charity. Each person who participates nominates more friends, who nominate more friends, who nominate still more friends, which explains why the trend has exploded.

The months-old movement has taken the Boston area by storm over the last 10 days, since friends and relatives of former Boston College baseball player Pete Frates used it to raise awareness about Lou Gehrig’s disease. Frates was diagnosed with the neurodegenerative disease, also known as ALS, in 2012. Frates, 29, is now paralyzed, eats through a feeding tube and cannot talk.

On Thursday, his parents, Nancy and John Frates, joined 200 people who doused themselves in Copley Square. The couple said the ice bucket challenge has done more to increase understanding about ALS than anything they’ve done over the past two years.

“Who knew all it would take was a bag of ice and a bucket?” John Frates told the crowd, just before participants simultaneously poured 9-quart buckets of ice water over their heads.

While most were wearing T-shirts or other casual summer attire, City Councilor Tito Jackson stood out in a suit and tie, which promptly got soaked.

“This is a little bit of discomfort for a second, but it’s a lifetime of challenges for people with ALS,” Jackson said.

Similar challenges have attracted athletes, politicians, doctors, accountants and construction workers. They can take all sorts of forms: There are no-makeup selfies to raise money for cancer causes and cold-water plunges for kids’ camps.

Lauer got soaked with ice water last month after Norman challenged him and ended up kicking in some cash for the Hospice of Palm Beach County, in Florida.

Operation 300 is a foundation in Stewart, Florida, that hosts a camp for kids who lost their fathers to war. Founded by the family of Navy SEAL Aaron Vaughn, who was killed in a helicopter crash three years ago, the foundation gets support from local firefighters, one of whom decided to put his money where his mouth was: Pay $50 and avoid the icy dousing or get wet and pay $20.

“He just happened to call out five other local firemen,” said Tara Baldwin, Vaughn’s sister. “When one of them called the others out, they all sort of naturally said they wanted to get involved.”

Since the spring, the foundation has raised about $15,000 from the ice water challenge.

There can be dangers. Authorities in Camden Township, Minnesota, said 16-year-old Davis Colley drowned in May when he jumped in a lake as part of a challenge, and in some states, police warned parents and kids to avoid jumping into frigid or fast-moving waters.

For those who work to raise awareness of ALS, the ice bucket challenge has been a windfall.

The ALS Association’s national president, Barbara Newhouse, said donations to the national office surged during the 10-day period that ended Thursday, to about $160,000, from $14,480 during the same period a year ago. That’s not counting donations to chapter offices around the country, Newhouse said.

“It’s just been wonderful visibility for the ALS community,” Newhouse said. “It is absolutely awesome. It’s crazy, but it’s awesome, and it’s working.”

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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