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Raiders-Jets Capsule

By WTOP Staff

The Associated Press

OAKLAND (4-12) at NEW YORK JETS (8-8)

Sunday, 1 p.m. ET, CBS

OPENING LINE — Jets by 4 1/2

RECORD VS. SPREAD — Oakland 7-9, New York 10-6

SERIES RECORD — Raiders lead 23-18-2

LAST MEETING — Jets beat Raiders 37-27, Dec. 8, 2013

AP PRO32 RANKING — Raiders No. 32, Jets No. 19

RAIDERS OFFENSE — OVERALL (23), RUSH (12), PASS (24T).

RAIDERS DEFENSE — OVERALL (22), RUSH (13), PASS (28).

JETS OFFENSE — OVERALL (25), RUSH (6), PASS (31).

JETS DEFENSE — OVERALL (11), RUSH (3), PASS (22).

STREAKS, STATS AND NOTES — Raiders open third season with Dennis Allen as coach and looking for first Week 1 victory under him, while Jets’ Rex Ryan is 4-1 in openers. … Raiders flew to New Jersey on Thursday to prepare for second straight opener in Eastern time zone, where they have lost 13 straight overall. Game marks fourth time in five years that Oakland opens away from home. … Derek Carr, second-round pick out of Fresno State, gets nod over veteran Matt Schaub and is 18th starting quarterback for Raiders since start of 2003 season. Carr completed 66.7 percent of his passes with four TDs, one INT and 108.2 passer rating. Sealed starting job when he threw three TD passes in exhibition finale against Seattle last week. … Raiders looking to score TD in first quarter in Week 1 for first time since Michael Bush did it Sept. 14, 2009. … C Stefen Wisniewski is only member of offensive line back at position he played last year. Khalif Barnes, who played LT and G last year is at RT; former Jets RT Austin Howard is at RG; newcomer Donald Penn is at LT and rookie Gabe Jackson is at LG. … RB Maurice Jones-Drew and WR James Jones are key newcomers for Raiders’ offense. … S Charles Woodson needs 1 INT to join Darrell Green (19) as only players to record one in at least 17 consecutive seasons. With sack, will also become first player in NFL history with at least 50 INTs and 20 sacks. … Ryan’s Jets teams are 7-1 against rookie QBs facing New York for first time, with Seattle’s Russell Wilson the only one to win. … QB Geno Smith gets second straight Week 1 start after retaining job despite team signing Michael Vick in offseason. Threw 12 TD passes and 21 INTs, but set team rookie records for yards passing (3,046), attempts (443), completions (247), and completion rate (55.8 percent). … WR Eric Decker and RB Chris Johnson signed with Jets as free agents. Decker was one of only five players to record 80-plus catches, 1,000-plus yards and 10-plus TDs in each of past two seasons with Denver. Johnson, while with Tennessee, became sixth player in NFL history to reach 1,000 yards rushing in each of first six seasons. … LT D’Brickashaw Ferguson has missed just one play in career and started 128 straight games, second to only Giants QB Eli Manning among active players. … DT Sheldon Richardson was AP Defensive Rookie of Year last season. … S Antonio Allen will make first career start at CB.

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AP NFL website: www.pro32.ap.org and http://twitter.com/AP_NFL

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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