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Patrick Chan to skip figure skating season

By WTOP Staff

OTTAWA, Ontario (AP) — Three-time world champion Patrick Chan will skip the upcoming figure skating season and return to the circuit for the 2015-16 season.

Chan, who took a break from training over the spring and summer while he considered his future, will take part in invitational events and exhibition programs during the coming months.

“My goal is to return to a full competitive schedule after this year,” the 23-year-old Canadian said. “I am proud of my accomplishments in Sochi and my world championship titles, but I do feel that there is still more that I can achieve. I will return to competition having learned new ways of training and preparing from this year off.”

Chan had an excellent chance to become Canada’s first Olympic men’s figure skating champion last February in Sochi. But he struggled in his free skate and settled for silver behind Japan’s Yuzuru Hanyu. He also helped Canada win silver in the inaugural team event.

Chan did not try to win a fourth straight world title this year. He skipped the competition in Japan and Hanyu took gold there as well.

The seven-time Canadian men’s champion will continue to work with Kathy Johnson from his training base in Detroit.

The Toronto skater has been working on a new free program, choreographed by David Wilson to a Chopin medley. The program will be revealed this week when Chan skates with the North American team at this week’s Japan Open invitational event in Saitama.

“This program uses very contemporary movements in my skating,” Chan said. “I’m taking the time to enjoy building out the program and working on the flow of the artistry. And I’m experimenting with different things in my training cycle without feeling that same intensity to do full run-throughs of each program every day that I felt building to the Olympics.”

Chan hopes that his year away from competition will help him when he returns in 2015.

“I’m learning how to accomplish the same results from a more relaxed, less intense training regimen that I feel will help me going forward next year,” he said.

Chan is to perform exhibition programs with Stars on Ice and plans to be part of a Scott Hamilton ice show in Cleveland and Skatemania in Quebec City.

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 This material may not be published, broadcast, rewritten or redistributed.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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