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Tens of thousands stage Hong Kong pro-gov’t rally

By WTOP Staff

HONG KONG (AP) — Tens of thousands of people, many wearing red as a sign of their patriotism to China, took part in a demonstration march in Hong Kong on Sunday to protest a planned civil disobedience campaign by pro-democracy activists in the city.

Demonstrators braved wilting heat to participate in the rally, which was organized by a pro-Beijing group. Many carried banners or shouted slogans saying they wanted to “oppose” the Occupy Central with Love and Peace pro-democracy movement, while others waved Chinese flags. Some, however, seemed to be not quite certain what they were protesting.

Occupy Central’s organizers have sparked political turmoil in Hong Kong and unease in Beijing with their plan to rally at least 10,000 people to freeze the specially administered Chinese financial hub’s central business district if the government fails to come up with satisfactory democratic reforms.

After the former British colony came back under Chinese control in 1997, it was allowed to keep a high degree of autonomy over its own affairs and Western-style civil liberties unseen on the mainland, although an elite pro-Beijing committee picks the city’s leader. Beijing has promised that starting in 2017, Hong Kong voters can choose the leader, but insists candidates be vetted by the committee, which democracy activists reject.

“Occupy Central is an extreme way of protest,” said Terence Chung, a company manager who joined Sunday’s march. “Using legal ways to express opinions is all right. If it comes to an irrational protest, social order will be disrupted.”

The Alliance for Peace and Democracy held the rally to cap its monthlong anti-Occupy petition campaign. But tactics used to mobilize supporters raised questions about whether demonstrators knew why exactly they were marching.

Pro-establishment trade unions or professional groups, for example, urged members to join. People who recently moved to Hong Kong from mainland China were also offered cheap day tours of the city, with stops that included lunch, a museum visit and the anti-Occupy march, according to local news reports.

“I don’t understand what Occupy Central is for,” said a 54-year-old construction worker, who gave only his surname, Siu, and turned out with his daughter. When asked why he joined the rally, he would only say that it was because he had some free time.

Hong Kong University researchers estimated that up to 88,000 people took part in the protest, about half the number they counted at a pro-democracy march on July 1 that organizers said was attended by more than half a million and which ended with the arrests of hundreds who staged a sit-in on a street in the financial district. Police, meanwhile, put the crowd at 111,800, more than the 98,600 they said they counted on July 1, even though photo comparisons of the two events showed that crowd density appeared to be much lower in Sunday’s event.

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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