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Dolphins lose to Packers in final seconds, 27-24

By WTOP Staff

STEVEN WINE
AP Sports Writer

MIAMI GARDENS, Fla. (AP) — By giving up the winning score with three seconds left Sunday, the Miami Dolphins provided plenty of fodder for second-guessers.

Such as:

— Why was a linebacker covering tight end Andrew Quarless when he made the touchdown catch that gave Green Bay a 27-24 victory?

— Why did the Dolphins call timeout twice on the final drive?

— And why did they throw when they had a chance to run out the clock with a 24-20 lead?

“You can always second-guess because of the outcome,” Miami receiver Mike Wallace said. “You win some calls, you lose some calls.”

Aaron Rodgers’ 4-yard touchdown pass to Quarless gave the Packers the win. Quarless easily outmaneuvered linebacker Philip Wheeler, who wasn’t thrilled with a defensive scheme that left him alone on the flank.

“I felt like it was 50 percent bad coverage, and 50 percent bad call,” Wheeler said. “Rodgers is a really good quarterback, and he figured it out.”

If Rodgers was grateful for the Dolphins’ timeouts during the final drive — including one that stopped the clock — he didn’t admit it.

“We were kind of rolling there,” he said. “That settled them down a little bit.”

The Dolphins were unable to run out the clock with the lead. They tried four passes and ran only three times on their final possession before punting with 2:15 left.

Coach Joe Philbin said he wanted to be aggressive in that situation.

“We know the type of quarterback that we’re playing against,” Philbin said. “We decided we were going to do whatever we have to do to get a first down.”

The Dolphins (2-3) lost despite the return of six starters who had missed playing time. They overcame deficits of 10-3 and 17-10 to take a 24-17 lead with nine minutes left when Ryan Tannehill hit Wallace for a 5-yard score.

At that point the Packers appeared to be wilting on a typical fall day in the subtropics — sunny, humid and 85 degrees. Cornerbacks Tramon Williams and Sam Shields both appeared affected by the heat and left the game two plays apart in the third quarter.

“We knew this was going to be a tough game coming down here in the heat,” coach Mike McCarthy said. “We said we weren’t worried about it all week, and we weren’t worried. But the fact of the matter is, we are from Wisconsin. So we fought through it.”

Rodgers directed consecutive scoring drives of 68 and 60 yards. He overcame a fumble and a fourth-and-10 on the Packers’ final possession, and faked an intentional spike before throwing a completion that set up the touchdown.

“You want the opportunity to make a play there at the end,” Rodgers said.

The Packers (4-2) earned their third consecutive victory, won in Miami for only the second time ever and remained tied with the Detroit Lions atop the NFC North.

But they trailed 24-20 starting at their 40 with 2:04 remaining and no timeouts left.

Rodgers fumbled when sacked, and teammate T.J. Lang recovered. That set up a fourth-and-10, but Rodgers threw to Jordy Nelson for 18 yards, then hit James Starks on third-and-10 for 10 yards.

With the clock running following another completion, Rodgers faked a spike before throwing to Davante Adams, who gained 12 yards before going out of bounds with six seconds remaining to set up the winning touchdown.

“That was some freestyling right there,” Rodgers said.

“Smart play,” Miami’s Jared Odrick said. “Kudos to them for thinking that fast.”

Green Bay made a goal line stand in the first quarter, stopping Miami three consecutive times at the 1, including on fourth down when Williams tackled Knowshon Moreno for a loss. Casey Hayward intercepted Tannehill to set up a field goal.

Notes: Packers LB Jamari Lattimore left the game in the second quarter with a neck injury. The Packers said Shields was sidelined by a knee injury and Williams by an ankle injury. … Miami Pro Bowl center Mike Pouncey started at guard for the first time in his NFL career as he returned from an offseason injury. … Packers LB Brad Jones was on the run with his back to a long pass when the ball struck his helmet, breaking up potential touchdown throw to Charles Clay. … The smoke guns used to celebrate Dolphins scores fired prematurely in the fourth quarter as the ball was snapped. The smoke seemed prescient when Lamar Miller scored on the play.

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AP NFL website: www.pro32.ap.org and http://twitter.com/AP_NFL

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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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