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Wisconsin-Northwestern Preview Capsule

By WTOP Staff

The Associated Press

No. 17 WISCONSIN (3-1, 0-0 Big Ten) at NORTHWESTERN (2-2, 1-0 Big Ten), 3:30 p.m. EDT (ESPN2)

Line: Wisconsin by 8.

Series Record: Wisconsin leads 57-33-5.

WHAT’S AT STAKE

Wisconsin has won three straight by at least 17 points since a season-opening loss to LSU. But in all three of those games, Wisconsin did not pull away until the second half. Northwestern seems to be showing some spark after starting the season with losses at home to California and Northern Illinois. The Wildcats have won two straight and are coming off a 29-6 victory at Penn State, their most lopsided Big Ten road win in coach Pat Fitzgerald’s nine seasons.

KEY MATCHUP

Wisconsin’s run game vs. Northwestern’s defensive line. The Badgers rank No. 3 in the nation in rushing with 343.3 yards per game, and they lead the nation with an average of 7.04 yards per carry. But they are going against a team that has allowed just 13 points the last two games. Northwestern held Penn State to 50 yards rushing on 25 attempts while racking up four sacks.

PLAYERS TO WATCH

Wisconsin: Running back Melvin Gordon comes into the game seventh in the nation in rushing with 612 yards. With 2,940 yards for his career, he needs 60 to become the Badgers’ 11th 3,000-yard rusher.

Northwestern: Quarterback Trevor Siemian threw for 258 yards last week against Penn State, but that was overshadowed by some rather unusual rushing statistics. He finished with minus-8 yards but ran for three 1-yard touchdowns.

FACTS & FIGURES

Wisconsin is one of four schools to rank among the nation’s top 20 in scoring defense, total defense, rushing defense and passing defense. The Badgers have scored at least 20 points in 17 consecutive games, the second-longest streak in school history. Wisconsin scored 20-plus in 18 straight games from Oct. 31, 2009, to Nov. 27, 2010. … The Badgers have not won at Ryan Field since 1999. … Wisconsin beat Northwestern 30-6 last season after the teams did not play each other in 2011 and 2012. They will meet annually now as members of the Big Ten West. … Northwestern is looking for its first win at home over a ranked team since beating No. 13 Iowa on Nov. 13, 2010. … Northwestern and Rutgers lead the nation with four blocked kicks.

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 This material may not be published, broadcast, rewritten or redistributed.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