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Tropical storms mean dangerous rip currents for region

WASHINGTON — We definitely have been lucky in the tropical storm department for most of this year along the eastern seaboard (with the exception of Hurricane Arthur in early July which did lead to some flooding).

Hurricane Cristobal, which is churning just about 300 miles off Cape Hatteras, North Carolina, will continue to move north-northeast avoiding the east coast of the United States.”

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The possible path of Hurricane Cristobal. (National Weather Service)

All along the eastern seaboard, from Florida up to Boston, a moderate to high risk for rip currents is being forecast. It’s so frequent that for the last week in August many beachgoers are forbidden to enter the water. The rip current threat is so high that it would be life-threatening to anyone entering the surf.

Rip currents do not discriminate along our areas beaches either, so how can you identify them and keep you and your family safe? These currents can occur along any beach that features breaking waves (including the Great Lakes). They are unfortunately subject to formation at any time during the day and more likely right before low tide. The swells generated by Hurricane Cristobal and brisk onshore flow are creating the environment for a higher risk of rip currents.

Just Wednesday, an 18-year-old man drowned in Ocean City.

According to the U.S. Lifesaving Association statistics, rip currents cause more than 100 drownings each year and 80 percent of all rescues on surf beaches nationwide are rip current related. Now, rip current speeds can vary and although rip currents at any speed are particularly dangerous for weak or non-swimmers, some have even been measured as fast as 8 feet per second. That’s faster than an Olympic swimmer! Generally though, rip current speeds are typically 1 or 2 feet per second.

So how do these things form and why? Well, first, what is a rip current? It can be summed up as a fast-moving narrow section of water that travels in the offshore direction. In some cases the width of the rip current can extend hundreds of yards.

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Examples of rip currents. (National Weather Service)

Now how do these rip currents form? As waves near the shore head from deep to shallow water, they break. As that happens, they generate currents that flow in both away from the coast and along the shore. Currents that flow away from the coast are called rip currents.

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The flow of rip currents. (National Weather Service)

Although all beaches are susceptible to rip currents, shoreline shape, jetties location, sandbars, groins and piers and the design of the near-shore bottom or bathymetry can all influence them. Therefore, the topography of some beaches makes them more prone to rip currents.

So how to you identify rip currents? Look for one or more of these clues:

  • Channel of churning, choppy water
  • Notable difference in water color
  • Line of foam, seaweed or debris moving steadily seaward
  • Breaking in the incoming wave pattern

Weak, slow rip currents are little to no threat to experienced swimmer. However, that can all change with the size or intensity of the next wave. A strong wave can causes pulses in the strength of a rip current. Always be aware, though, most of the time, rip currents aren’t easily identifiable.

Safety tip: Polarized sunglasses make it easier to see rip currents So, how do you survive rip currents?

First thing first: If you find yourself caught in a rip current, remain calm. A rip current is a horizontal current. They don’t pull people underwater; they pull people away from shore. Most deaths associated with rip currents happen when are unable to keep themselves afloat because they can’t swim to shore.

So here are some tips: Once you calm yourself, you can think more clearly. Remaining calm is number one.

Secondly, don’t fight the current. Swim out of the current parallel to the beach/shoreline. When you feel you’re out of the current, swim back toward the shore. If you’re unable to swim out of the rip current, float or calmly tread water until you’re no longer being pulled. Don’t exert any extra energy.

Now, if these tips don’t work, draw attention to yourself. Face the shore, wave your arms and yell for help.

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What to do if caught in a rip current. (National Weather Service)

Contact a lifeguard or 911 if needed. Many people drown while trying to save someone else from a rip current. The best thing you can do it throw the victim something that floats and yell instructions on how to escape.

So enjoy the beach for the rest of this summer but remember that rip currents can happen along any beach with breaking waves. Keep you and your family safe and take the warning seriously.

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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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