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Timeline of events leading up to Brexit

By The Associated Press

LONDON (AP) — A timeline of key events related to Britain’s decision to leave the European Union:

Jan. 23, 2013: British Prime Minister David Cameron promises a referendum on Britain’s membership to the EU if the Conservative party is elected in the next general election. He does so to try to garner support among euro-skeptics within his own party.

Sept. 18, 2014: Scottish voters decide in a referendum to remain part of the United Kingdom rather than become an independent country.

May. 7, 2015: British voters elect a majority Conservative government. Cameron confirms in his victory speech that there will be an in/out referendum on European Union membership.

Feb. 20, 2016: Cameron announces that he has negotiated a deal with EU leaders which will give Britain “special status.” He confirms that he will campaign for Britain to remain in the 28-nation bloc. The referendum date is set for June.

Feb. 21: Cameron is struck with a severe blow as one of his closest Conservative allies, the media-savvy Boris Johnson, joins the Leave campaign.

June 16: One week before the referendum, Labor MP and Remain campaigner Jo Cox is killed by extremist Thomas Mair who shouted “Britain First” before killing the mother of two.

June 23: Britain votes 52 percent to 48 percent to leave the European Union. As the results come in, UKIP leader Nigel Farage proclaims that this day should be considered Britain’s “independence day.”

June 24: Cameron says he will resign in light of the results because Britain needs “fresh leadership” to take the country in a new direction.

July 11: Following a heated leadership contest, Home Secretary Theresa May becomes prime minister-elect when her competitors withdraw from the race.

Oct. 2: May says that Britain will begin the formal process of leaving the EU by the end of March 2017. In order to do this the British government would have to invoke Article 50 of the EU’s Lisbon Treaty.

Jan. 24, 2017: The British Supreme Court rules that parliamentary approval is needed before Article 50 can be triggered by government.

March 13: Britain’s Parliament approves a bill giving the government the authority to invoke Article 50. Scotland’s first minister, Nicola Sturgeon, says she plans to have a second referendum on Scottish independence in late 2018 or early 2019.

March 28: May signs the letter that will trigger Brexit at 10 Downing Street.

March 29: Brexit will be formally triggered when the letter is hand-delivered to EU Council President Donald Tusk at around 1130 GMT (7:30 a.m. EDT).

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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