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A closer look at the Ferguson Police Department

ALAN SCHER ZAGIER
Associated Press

ST. LOUIS (AP) — The announcement that the Justice Department will conduct a civil-rights investigation of the Ferguson Police Department comes nearly a month after Michael Brown’s death first raised doubts about the suburban law-enforcement agency.

Many Ferguson residents say the intervention is long overdue, citing long-held suspicions about racial profiling and police brutality. Their complaints are shared by others in the predominantly black inner suburbs of St. Louis known collectively as North County, where people describe routine harassment by officers working for a jumble of tiny city and village police forces, some of which patrol neighborhoods with only a few hundred residents.

Here’s a closer look at Ferguson, its neighbors and small-town police work in the shadow of a major Midwest city:

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OUTSIDERS IN UNIFORM: Nearly 70 percent of Ferguson’s 21,000 residents are black. Among its 53 police officers, just three are black. And few officers live within the city limits, which critics say makes them less vested in the community they serve. Darren Wilson, the officer who killed Brown, lives 20 miles away in the suburb called Crestwood. Police Chief Thomas Jackson and Mayor James Knowles have pledged to improve minority recruitment and hiring efforts. But both of them acknowledged the difficulty of finding qualified applicants of color and keeping those hires from leaving for better-paying jobs in bigger departments.

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THE POLICE CHIEF: Much of the outrage in Ferguson has been directed toward Jackson, who spent more than 30 years in the St. Louis County Police Department before taking over the municipal force four years ago. Jackson waited nearly a week to release Wilson’s name after first vowing to do so sooner and then suggesting the officer’s identity might not be disclosed at all. He further angered Brown’s family and many others by simultaneously releasing video surveillance footage purporting to show Brown shoving a convenience store clerk after robbing the business of a box of cigars.

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ALLEGATIONS OF EXCESSIVE FORCE: Several Ferguson officers other than Wilson are targets of civil rights lawsuits filed by plaintiffs alleging excessive force. One case involves the family of a 31-year-old-man who ran naked down the street and then died of a heart attack in 2011 after being repeatedly shocked by a Ferguson officer’s stun gun.

Another lawsuit against three Ferguson officers — including one of the two defendants in the stun-gun incident — alleges that a 54-year-old man was charged with destruction of government property for bleeding on the officer’s uniforms after he was hurt during his arrest. The defendants include a former Ferguson officer who now serves on the City Council.

A Ferguson officer named as a defendant in a federal civil-rights complaint filed by five Ferguson protesters after Brown’s death is also accused in another federal case of choking a 12-year-old who was checking for mail outside his family’s home south of St. Louis.

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ACTIONS IN THE STREETS: After several nights of violent protests that included looting and arson, police began doing crowd control in riot gear and armored vehicles and sometimes pointed weapons at protesters. St. Louis County Police Chief Jon Belmar has defended those tactics, saying that most officers acted with restraint while being targeted with bottles, Molotov cocktails and guns. But three officers who assisted with Ferguson security have resigned or been fired for their actions, including a St. Ann lieutenant who pointed his gun at demonstrators while threatening to kill a protester and a Glendale officer who suggested in a Facebook post that Ferguson protesters should be “put down like rabid dogs.”

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Follow Alan Scher Zagier on Twitter at http://twitter.com/azagier .

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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