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Radcliff, Louisville beat Wake Forest 20-10

By WTOP Staff

JOSH ABNER
Associated Press

LOUISVILLE, Ky. (AP) — Brandon Radcliff ran for two touchdowns and 129 yards and the Louisville defense held firm in Saturday’s ugly 20-10 win over Wake Forest.

Listed fourth on the depth chart, Radcliff’s first career 100-yard effort on 17 carries was much needed as Louisville (4-1, 2-1 ACC) overcame three lost fumbles and 11 penalties. The Cardinals defense kept Wake Forest (2-3, 0-1) to minus-22 yards rushing and had three takeaways, setting up both touchdowns. Louisville also had eight sacks.

Wake Forest scored first on Mike Weaver’s 43-yard field goal late in the first quarter and retook the lead at 10-7 with 8:32 remaining in the third quarter following nose tackle Tylor Harris’s fumble recovery in the Louisville end zone for a touchdown.

Radcliff’s 16-yard score with less than 12 minutes left followed his 29-yard second-quarter touchdown.

Fourth-quarter field goals of 31 and 34 yards from kicker John Wallace sealed the Louisville win in front of the crowd of 51,463. Averaging 38 points a game and heavily favored to win, it’s not a game Louisville coach Bobby Petrino will cherish. But it still counts.

“We’ll take it. It was a struggle,” Petrino said.

In a game noted for the oddity of having two true freshmen start at quarterback, the two defenses provided most of the day’s dramatic moments.

Louisville’s two second-quarter interceptions in its own territory stopped Wake Forest from getting out to a clear lead.

Safety Gerod Holliman snagged a tipped pass and returned it to the Wake Forest 29 before Wallace missed a 46-yard field goal attempt when the drive stalled. It was Holliman’s fifth interception in the last three games and his sixth on the season to lead the nation.

The Demon Deacons managed only 100 total yards on the day and missed their only red zone scoring opportunity when Louisville linebacker James Burgess intercepted John Wolford’s pass in the end zone with 6:25 left before halftime. Burgess fumbled but Louisville avoided disaster as Andrew Johnson recovered for a touchback.

Reggie Bonnafon started Louisville’s first sustained drive of the day with a 33-yard pass along the sideline to Radcliff. Radcliff capped the 80-yard scoring drive four plays later with a 29-yard touchdown run, giving Louisville a 7-3 lead with 3:55 left before halftime.

“When your number is called, you just have to come out and capitalize on it,” Radcliff said.

It was Bonnafon’s first start, replacing an injured Will Gardner. Bonnafon returned to the team Sunday after missing last week’s win at Florida International following the unexpected death of his father. He finished 16 of 32 for 206 yards and ran 14 times for 71 yards. There were moments of promise but also of confusion as a bad exchange led to a running back Dominique Brown’s fumble on the opening drive. Bonnafon also bobbled a shotgun snap that Wake Forest recovered and was stripped for the Demon Deacons only touchdown.

Wake Forest had eight tackles for loss, four sacks and all its points came off turnovers to keep the chance alive for a win in first-year coach Dave Clawson’s ACC debut. But they struggled again to gain yards on the ground, entering with 42 yards rushing a game.

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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