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Chiefs-49ers Capsule

By WTOP Staff

The Associated Press

KANSAS CITY (2-2) at SAN FRANCISCO (2-2)

Sunday, 4:25 p.m. ET, CBS

OPENING LINE — 49ers by 7 1/2

RECORD VS. SPREAD — Kansas City 3-1-0, San Francisco 1-2-1

SERIES RECORD — 49ers lead 6-5

LAST MEETING — Chiefs beat 49ers 31-10, Sept. 26, 2010

LAST WEEK — Chiefs beat Patriots 41-14 Monday night; 49ers beat Eagles 26-21

AP PRO32 RANKING — Chiefs No. 14, 49ers No. 9

CHIEFS OFFENSE — OVERALL (16), RUSH (4), PASS (28).

CHIEFS DEFENSE — OVERALL (11), RUSH (19), PASS (8).

49ERS OFFENSE — OVERALL (19), RUSH (7), PASS (22).

49ERS DEFENSE — OVERALL (2), RUSH (2), PASS (7).

STREAKS, STATS AND NOTES — Chiefs won past two matchups, outscoring 49ers 72-10. … Dating to 1985, home team has won past eight meetings. … Chiefs first visit to San Francisco since 2002. … 49ers traded Alex Smith to Chiefs in March 2013 to clear way for Colin Kaepernick. … Chiefs sacked Smith five times previous meeting in 2010 on way to first 3-0 start since 2003. … Chiefs defense forced first three turnovers of season Monday night, Husain Abdullah returning an interception for a TD. … Jamaal Charles ran for 92 yards and a score last week, and had 97 yards vs. 49ers in meeting four years ago. … San Francisco defense has allowed 152 total yards rushing over past three games, lowest by team over three-game stretch since 124 in 1997. … RT Donald Stephenson available for Chiefs after serving four-game suspension for violation of league policy on performance-enhancing drugs. … Chiefs RB Knile Davis one of four players to have multiple 100-yard rushing games this season. Davis is going for third straight 100-yard game after he had 132 yards on 32 carries in Week 3 at Miami and 106 yards against New England. … Kaepernick and Smith have passed for 912 and 891 yards, respectively. Smith has connected with 12 different receivers. … Kaepernick rushed for 58 yards vs. Eagles to become third QB in franchise history to run for 50 or more yards in three straight games. … 49ers coach Jim Harbaugh has career record of 11-1 in October, and .917 winning percentage is his highest of any month. … San Francisco gave up touchdowns on blocked punt, interception return and punt return to beat Eagles, becoming only second team in NFL history to win after allowing three or more return TDs in a regular-season game. … In three games against Chiefs, WR Brandon Lloyd has 12 catches for 216 yards and two TDs — six of those receptions for 90 yards and two scores Nov. 14, 2010, with Denver. … WR Stevie Johnson with 16 catches for 195 yards and three TDs in five meetings with Kansas City. … WR Anquan Boldin in three games vs. Chiefs: 13 catches, 217 yards, two TDs. … RB Frank Gore had career-high 102 yards receiving on nine catches in previous meeting. … Harbaugh looks for first coaching win against AFC West.

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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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