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Frosh Reflects On Grueling Attorney General Campaign

Democratic attorney general nominee Brian Frosh speaks with voters on Monday in Chevy Chase Somerset resident and attorney general nominee Brian Frosh (right) votes next to his wife Marcy Masters Frosh on Monday in Chevy Chase District 18 State Sen. Rich Madaleno, Marcy Masters Frosh and attorney general nominee Brian Frosh gather for a photo with supporters on Monday in Chevy Chase

A little more than a week from election day, Democratic attorney general nominee Brian Frosh headed to the polls in the place where he cemented his political career.

The Somerset resident and five-term state senator appears likely to win his race against Republican Jeffrey Pritzker, which would land Frosh one of the state’s highest offices after nearly three decades representing Bethesda and Chevy Chase in Annapolis.

“I’m running on fumes to a certain extent, but the response that we’ve gotten all over the state has been very kind,” Frosh said after voting early in Chevy Chase.

Frosh won nearly 50 percent of the vote in June’s Democratic primary to best Baltimore County Del. Jon Cardin and Prince George’s County Del. Aisha Braveboy. A good chunk of his margin came from a 70 percent to 20 percent advantage over Cardin among Montgomery County Democrats.

The race, during which polls showed Frosh trailing Cardin despite significant backing from state leaders, tested Frosh’s soft-spoken and genial style. The popular narrative had Frosh being forced into attack mode to beat Cardin, who had a name recognition advantage thanks to his uncle — Sen. Ben Cardin.

The general election against Pritzker looks as if it will be smoother sailing.

An early October poll from the Washington Post and the University of Maryland had Frosh up 23 points on his Republican opponent.

Still, Frosh acknowledged a bit of angst over what some are saying will be a low Democratic turnout on Nov. 4.

“At the moment I’m more concerned about Anthony Brown than for me,” Frosh said. “It’s a tough year. We’ve had six years of a Democratic president, eight years of a Democratic governor and nobody’s life is perfect. So people are looking at their options.”

Frosh said he believes Brown, the Democratic gubernatorial nominee looking to hold off Republican Larry Hogan, will win on Tuesday.

He also reflected on the campaign as a whole, a process that was a lot different than running in District 16.

“It’s orders of magnitude different. Even when you’re running in a district, there’s something you can do every minute of the day,” Frosh said. “But when you’re running statewide, there are like 50 things you can do every minute. It’s just staggering how much there is to be done. If you get into it and you push yourself, it ends up being extraordinarily frenetic.”

After voting on Monday with his wife Marcy at the Jane E. Lawton Community Recreation Center in Chevy Chase, Frosh greeted longtime supporters — many of whom have been with him through almost 28 years in District 16.

“This is home,” Frosh said, “but people have been kind in all corners of the state. So, I’m very optimistic.”

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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