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The Impact of Football on the Brain

A recent study conducted by Boston University researchers and published in the Journal of the American Medical Association has caught the public’s attention. And, as a result, concern about American football’s impact on the brain — namely when it comes to chronic traumatic encephalopathy, or CTE — has heightened once again.

CTE is the medical term used to describe the pathologic changes found during autopsy in the brains of athletes who have been exposed to repeated head injuries and concussions. Prior to death, many of the individuals later found to have CTE had concerning symptoms of chronic neurological impairment with symptoms that often included headaches, trouble concentrating, confusion and difficulty controlling emotions. In many ways, these symptoms are difficult to definitively assign to CTE because individuals behaved very similarly to those with other diseases and conditions that affect the brain. Depression, substance abuse, other forms of dementia and post-traumatic stress disorder are examples of diagnoses that may result in similar symptoms — with or without a history of exposure to repetitive head injury. Currently, the only reliable way to confirm a suspected CTE diagnosis is after death, via autopsy.

[See: 10 Concerns Parents Have About Their Kids’ Health.]

The BU researchers set out to determine what the neuropathological and clinical features were on a case series of deceased athletes whose brains had been donated for the purpose of research. The researchers’ findings indicated that CTE was present in 177 players across all play levels, which included 110/111 former NFL players.

Without the ability to test for CTE in the living, it’s difficult for the medical community to conclusively connect the abnormalities found on the pathology of a brain in a deceased person to the clinical symptoms that present in a live human. This forces neuroscientists to ask quite a few questions: Are problems with cognition, depression and violent tempers in football players all caused by CTE? Or could there be other factors, like a genetic predisposition to certain diseases or conditions, contributions from the use of performance enhancing drugs, other inherent traits or consequences from participation in contact and collision sports also at work? Although none of the answers is definitive, I strongly believe that the development of CTE in the brains of football players is likely multifactorial.

[See: 9 Sports Injuries That Sideline Kids.]

Now, that assertion is not to minimize the work or findings of this study’s authors. Far from it, actually. I applaud the research, and it’s precisely what we need in order to come to more concrete conclusions down the road. But we aren’t quite there yet. It’s important to note that the Boston University study was conducted on the donated brains of 202 American football players. These brains were donated for a reason. In this case, it was people who were already concerned about the effects of head injuries on their brains. Scientifically speaking, this is considered a “convenience sample,” which can result in selection bias, meaning that the subjects studied are from a population conveniently able to participate in the study. Of course, the study authors recognize this fact and cite it in the conclusion summary of the study: “In a convenience sample of deceased football players who donated their brains for research, a high proportion had neuropathological evidence of CTE, suggesting that … CTE may be related to prior participation in football.” This is critically important. When the public reads media headlines that state: “CTE found in 99 percent of studied brains from deceased NFL players,” it understandably leads people to think: “If you play in the NFL, you’ll get CTE.” Or worse: “If my child plays tackle football, he will get CTE.” But that isn’t necessarily the case. Remember, this study had a selection bias from the start.

When it comes to public consumption of medical research, it’s important to understand the difference between correlational and causational research studies. As this study’s authors point out: “CTE may be related to prior participation in footbal;” this is a correlational study. It isn’t definitive. It’s not saying CTE is caused by prior participation in football. A definitive statement like that is typically subject to much stronger, longer and more rigorous scientific investigation, and I caution people against taking a causational interpretation of a correlational study.

[See: The Best Olympic Sport for Your Body Type.]

Of course, the public may still wonder: What do I do with this information? How do I use it to make decisions for my own family, or for loved ones who play or are interested in playing football? Well, we’re getting there. We’re beyond the early phase of education, when concussion and CTE were certainly happening but weren’t discussed or addressed. Education is key, and the medical community, the NFL and football at every other level understands the seriousness of brain injury. We’ve got a long way to go, but studies like these are important steps toward future clarity.

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The Impact of Football on the Brain originally appeared on usnews.com

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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