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More indications there is life in outer space

WASHINGTON — Three new research articles show that the conditions for life as we know it here on Earth exist in the universe.

A University of Exeter study has shown that water is a byproduct of stellar formation. A significant portion of the water on Earth has been found to predate the formation of our sun. We know how old the sun is and the study shows that a lot of the water on Earth is older, which means that it had to come from the giant gas cloud that our sun formed from.

We can extrapolate this to other stars and planets that form in the same manner as ours, and rightfully conclude that water must be present in those star-exoplanet systems as well.

There is some thought that much of the planet’s water came from the impact of asteroids and comets. Each of these leftovers from the formation of the solar system were formed from the same gas cloud that made the sun and the solar system.

Astronomers at Cornell University also have found a new complex organic molecule in a gas cloud in our Milky Way galaxy. This discovery shows that even more complex molecules are awaiting discovery, and can form in interstellar space. It is thought that the molecules necessary for life here on Earth could have been deposited billions of years ago by cometary, asteroid and meteorite impacts.

Also, researchers from University of Maryland have discovered water vapor in the atmosphere of an exoplanet 124 light years away in Cygnus, the Swan.

I have no doubt that life exists in the universe beyond Earth and is plentiful. Obtaining proof, however, will be difficult. Life may be found in our own solar system on Mars or on some of the moons that have oceans. Robotic spacecraft will be key to such explorations.

We may someday finally encounter a radio signal that clearly has but one possible origin — intelligent life.

One thing we know for certain: The formation of stars produces planets — lots of them. You cannot have life as we know it without a stable source of energy produced by a star that falls upon the surface of a planet. We have confirmed almost 4,000 planets beyond our solar system, and have calculated that each star in our galaxy has an average of 10 planets. The 200 billion-plus stars equals 2 trillion planets in our galaxy alone, and there are hundreds of billions of galaxies in the observable universe.

Life always finds a way on Earth, even after great dyings and extinctions, and I have no reason to doubt life is any different elsewhere.

Food for thought when you look at the stars.

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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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