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Missing California woman found in Maine shack

LOS ANGELES (AP) — An elderly Los Angeles woman whose neighbors believed had died was instead found in a rundown shack in Maine, where according to authorities an unrelated family took her after gaining her confidence and selling her house.

The Los Angeles Times reported (http://lat.ms/1wkHNvl ) Sunday on the story of Sarah Cheiker, who disappeared in 2008 at age 89 and was found in 2012 — alive but unwell in a dingy cabin in the town of Edgecomb where she apparently had been abandoned.

“It was a place I wouldn’t have let my dog live in,” said Det. Robert McFetridge of the sheriff’s department in rural, coastal Lincoln County, Maine.

The only food was spoiled and the single light bulb had burned out.

As investigators tried to piece together Cheiker’s story, they came across a missing person report filed with Los Angeles police by Cheiker’s neighbor, Jim Caccavo.

He figured Cheiker had died and was amazed to get a 2012 call from an FBI agent in Boston that she was alive.

Caccavo recalled how, starting around 2006, a family of three people began to help her out with shopping and rides to the doctor. The neighbor said he doubted their motivations — they were unrelated to Cheiker, though they claimed to have known her deceased mother — and warned her to be careful.

And then, “all of a sudden, Sarah disappeared,” Caccavo told The Associated Press by telephone Sunday. That was the fall of 2008.

The following year, a living trust in Cheiker’s name sold the house for $712,000, according to property records.

According to authorities, Cheiker was taken from Los Angeles by 41-year-old twins and their 21-year-old godson — the same people Caccavo said had befriended her.

The newspaper reported that the family spent money from the home sale as they headed east.

The twins, Barbara Davis and Nicholas Davis, and their godson Jonathan Stevens were arrested on felony charges of endangering the welfare of a dependent person. They pleaded no contest and received probation, according to court records.

Maine authorities said they could not investigate the alleged swindle because it occurred in California. FBI officials would not comment.

Andrew Wright, the prosecutor who handled the case in Maine, said the three randomly knocked on Cheiker’s front door.

After they had ingratiated themselves, they left and “purchased numerous properties across the country with her money,” Wright said. “I’ve seen things that were egregious, but I’d never seen a person taken across the country, stripped of their assets and left to die.”

Derrick Banda, an attorney who represented Nicholas Davis, said his client treated Cheiker as though she were family.

“They were checking on her and bringing her food every day,” Banda said. “My client’s position was she didn’t like the noise from a lot of company visiting them that summer so they put her up in a seasonal rental cabin. Somebody called the local authorities: It was the nosy-neighbor syndrome.”

Cheiker in now in a nursing home in Fryeburg, Maine. The newspaper’s efforts to reach her were unsuccessful.

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

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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