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Mutts Matter: Meet Muffin

Muffin, via Mutts Matter Rescue Muffin, via Mutts Matter Rescue Muffin, via Mutts Matter Rescue Muffin, via Mutts Matter Rescue

This biweekly column is written by Suzanne Lawter, Director of Community Outreach for Mutts Matter Rescue, a local nonprofit, all-volunteer dog rescue. Mutts Matter is a network of volunteers who love animals and want to make a difference by helping forgotten and discarded dogs find loving families. Since our founding in 2010, we have successfully rescued and placed more than 1,400 dogs in the local Washington Metropolitan area.

Adorable Muffin is a sweet and playful Japanese Chin/Pekingese mix, with a cute little underbite and watchful eyes that serve him well as he minds the home front. He’s currently in search of his new family, and will make someone an excellent companion pup. He’s about 5 or 6 years old, weighs 14 pounds, and has a beautiful, flowing black and white coat that will need a good brushing weekly, and grooming every 3 to 4 months.

Mutts Matter RescueHe comes from royal stock, and, like his ancestors, has a regal and self-assured air about him.

Japanese Chins were bred to be companions to the Chinese aristocracy and often given as gifts to the nobility, and Pekingese dogs were held sacred in ancient China, and could only be owned by royalty. Both were bred to be lapdogs, but they make excellent watchdogs too.

Muffin is independent, but also a very loyal and affectionate pup once he knows and trusts you. He likes to be near his person, and will sit at his foster mom’s feet or jump up in her lap when he wants to snuggle. His foster mom, Claire, can pick him up to cuddle or groom him, and can take food and toys away without issue, but he’s reserved around strangers and needs time to trust you before being handled. Because of this, Muffin cannot be adopted to a family with small children, but he’d be fine with older kids who understand boundaries and respect his personal space.

Claire describes Muffin as a “Pretty laid-back and friendly dog. He’s affectionate but not needy, and likes to have his independent ‘me’ time. He enjoys walks and car rides, and likes to play fetch. He is house trained, loves to cuddle and get belly rubs, and enjoys hanging out in the kitchen while you cook, and will assist to remove crumbs as needed.”

Muffin is a big fan of soft, fluffy toys and can usually be found with one in his mouth. He carries his toys everywhere, and even when it’s walk time, Muffin shows up ready to face the world with his prized possession in tow. He can be goofy too, and will hop like a bunny when he gets excited. When he stops to sniff and explore on a walk and falls behind the rest of the pack, he will hop as fast as he can to catch up. He’s a team player in his pack, and ready to take the lead on walks, or greeting visitors at the front door.

Muffin is currently being fostered with two Shih Tzus, Lilo and Gizmo, and he really enjoys the company of other dogs, so a home with another small companion pup is preferred. He will do best with a confident and patient owner who will teach him the rules of the house, and keep him on a consistent routine. He needs an owner who is willing to do a proper introduction to new people and other dogs, but once he’s familiar, he is a sweet, cuddly little pup.

Although Muffin is not a high-energy dog who needs a lot of physical activity, he will need a daily walk and some play time to keep him healthy and balanced. Like all brachycephalic (flat-faced) breeds, he can’t handle extreme temperatures and can overheat easily, so he needs to be monitored in the summer months.

If you are interested in opening your heart and home to a pup in need, please go to the Mutts Matter Adoption Page and fill out an application, or if you have questions, you can contact Suzanne at suzanne@muttsmatterrescue.com.

Photos via Mutts Matter Rescue

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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