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Despite his slow start to season, Ravens still focused on stopping Zach Ertz

By James Scibilia

Ravens focused on stopping Ertz despite his slow start originally appeared on NBC Sports Washington

After totaling just 15 receiving yards over his last two games, you could understand if the Ravens put their defensive focus for this Sunday’s game against the Eagles elsewhere. However, players and coaches took a much different tone when discussing Philadelphia’s star tight end on Wednesday.

“They’re great at catching the ball, they run savvy routes,” Ravens cornerback Jimmy Smith said about Ertz and fellow Eagles tight end Dallas Goedert. “Ertz has been doing it for a little while now so we know what he’s like. He’s really savvy with his routes like I said, has great hands and he has good speed so he’s going to be a factor this week that we’ve got to take care of.”

“It’s a west coast style offense, similar to what you see in Kansas City,” head coach John Harbaugh said. “Of course Coach Pederson and Coach Reid worked together for a long time, so we kind of understand how that system works a little bit and how challenging it can be to defend it.”

The Ravens have had mixed results against tight ends so far in 2020, especially to open the season. Cleveland’s David Njoku (3 rec, 50 yds, TD), Houston’s Darren Fells (2 rec, 23 yds, TD) and Kansas City’s Travis Kelce (6 rec, 87 yds) all did damage against Baltimore’s defense during the first three weeks of the season.

Ertz enters this contest with 20 catches on the season, which is 5th most among NFL tight ends, but has disappointed overall if you listen to Philadelphia talk radio or angry fantasy owners on social media. He’ll have a stiff test against the 6-foot-2 Smith, who has seen his role in the Ravens secondary evolve.

“His experience makes a big difference, he’s just seen a lot of things,” Harbaugh said about Smith. “He basically fundamentally knows how coverages are built and are organized. Now he’s had to do in the last really year and a half is really dig into the details of the different spots, he’s done a really good job with it.”

“There are some good examples of guys that have done it, even here all the way back to Rod Woodson and of course Brandon Carr. But I don’t think it’s really that normal for guys to make, I don’t want to say a move or a switch because he’s still playing corner, but to expand like that. Really proud of him for how he’s done with that.”

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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