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Undecideds, independents could be key to Md. governor’s race

WASHINGTON — Maryland’s undecided and independent voters have a lot of leverage in the upcoming election for governor, and here’s why: A recent Baltimore Sun poll puts Lt. Governor Anthony Brown, a Democrat, ahead of Republican Larry Hogan by 7 points, but the margin of error is 3.5 percent.

Most importantly, the poll suggests that Brown’s support is soft, and that there are lots of voters who simply haven’t made up their minds. And when it comes to issues at the top of voters’ minds, the suggestion is taxes and the economy are at the forefront.

Hogan, who has made taxes a priority, may gain traction among those undecided and independents. Hogan says it’s clear that Brown’s feeling the heat, since Brown pledged not to raise taxes if elected governor. At the Bethesda Farmer’s Market on Sunday, Brown explained his new pledge by saying that Maryland voters “stepped up” and “invested” in the state during the recession. Brown said, “Marylanders have protected investments in schools and in safe neighborhoods, and now we’re looking to provide Marylanders with some relief.”

Hogan calls the Brown pledge not to raise taxes “a last-minute conversion” and says voters are telling him they’ve never voted for a Republican before, but they plan to this year. When it comes to taxes, Hogan says of the lieutenant governor, “He just doesn’t have a lot of credibility on this issue.”

What are voters saying?

At the market where Brown talked to merchants and shoppers alike, Michelle Dressner said she has not made up her mind who will get her vote.

“Since I choose not to identify with a party, I look at the candidates individually and their stances on issues that I feel are important for the state of Maryland.” She’s precisely the kind of voter who strikes fear into the hearts of front-runners and offers hope to underdogs.

What are key issues for her?

“I look at taxes and I look at schools.” Could Hogan, who’s made rolling back tax increases a priority, get her vote? “Well, I’m an economist,” Dressner says; “I look at taxes slightly differently.” She explains what matters to her is how and where the money is spent. “I’ll need to look at their policy more deeply before I decide.”

At the same farmer’s market, 18-year-old Madison Sharp, of Silver Spring, said women’s issues and community building are important to her. But, like Dressner, she said she’s still researching the candidates. “I’m definitely leaning towards Brown, but I feel like I haven’t done enough reading to make a firm decision.”

The Baltimore Sun poll by Opinion Works found that Brown has solid support among African-Americans and strong support among young voters. Sharp is both African-American and young, but the same poll points out young voters don’t always turn out on Election Day. Sharp says she’ll definitely be voting: She’s a political science major and made sure to get her absentee ballot. She’s just not sure who’s ultimately going to win her support just yet.

WTOP’s Kate Ryan contributed to this report. Follow @WTOP on Twitter and WTOP on Facebook.

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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