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Communities across US recover after floods

FRANK ELTMAN
Associated Press

NORTH BABYLON, N.Y. (AP) — Communities across the U.S. are drying out after unusually heavy rains swamped highways, flooded basements and were blamed for at least four deaths.

Long Island residents were urged to remain off the road Wednesday as a round-the-clock recovery continued after a record 13.26 inches of rain fell between midnight and 9:30 a.m.

Michigan Gov. Rick Snyder issued a disaster declaration for the Detroit area after rain sent mud cascading down embankments, closing stretches of freeways all of Tuesday and part of Wednesday.

Officials at a Nebraska hospital said Wednesday its public cafeteria could stay shuttered for months after it was inundated by floodwater over the weekend.

The latest iteration of wild weather hit the northeast Tuesday night and lingered through Wednesday. A slow-moving system, powered by tropical moisture and clouds soaring far higher than in usual summer storms, lashed communities from Maryland to New England.

The hardest hit areas, Long Island’s Suffolk County and the towns of Islip and Brookhaven there, declared states of emergency after what County Executive Steve Bellone called an “unprecedented” deluge.

“It’s not just how much rain fell, it’s how fast it fell,” Accuweather senior meteorologist Jack Boston said, calling the storm a once every 50 years event. “We’re talking about billions and billions of gallons of water and it all has to go somewhere.”

Parts of the heavily traveled Montauk Highway on Long Island’s South Shore were undermined and buckled. Service on a branch of the Long Island Rail Road was suspended as crews repaired track beds washed out by the storm.

The storm formed Tuesday south of Baltimore, according to Accuweather’s Boston, and hit that city with its highest rainfall total in 81 years. Roads were flooded, forcing several water rescues, and a sinkhole formed on an Anne Arundel County street.

From there it swept across New Jersey — following a track similar to a typical winter storm — and dumped nearly 9 inches of rain in Millville, where a woman suffered broken ribs and a punctured lung when the walls of her basement collapsed due to flooding.

Rain fell at a rate of up to 2 inches per hour in Rhode Island, stalling cars and sweeping manhole covers away.

Volunteer firefighters on Long Island used trucks that stand high off the ground and that normally are used for brush fires to rescue stranded drivers.

Officials said a man died when a tractor-trailer hit his slow-moving SUV at the height of the storm on the Long Island Expressway.

On the Southern State Parkway in North Babylon, firefighters encountered about 50 vehicles either stuck in the rising waters or pulled off to an elevated apron on the side of the highway.

“We had occupants climbing out of windows because they couldn’t open their doors,” said Lt. Timothy Harrington, the first firefighter on the scene. “Some of the water was over the vehicles’ roofs. I’ve never seen anything like this before.”

The storm’s effects still were being felt Thursday morning in Maine. More than 7,000 customers were without power around daybreak.

In Portland, where the National Weather Service said more than 6 inches of rain fell, police urged motorists to stay off the streets because drivers were getting stuck in high water. And in the City of South Portland, police handled more than 60 flooding-related calls and had to rescue several people from stranded vehicles.

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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