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Looking back at the Marcus Peters trade one year later

Looking back at the Marcus Peters trade one year later originally appeared on NBC Sports Washington

It’s not hard to remember a time when the Ravens secondary needed an upgrade.

One year ago Thursday, the Ravens were 4-2 ahead of a massive game against the Seahawks, a game that eventually helped turn the season into the dominant one it became. So with the trade deadline approaching, they swung a deal for Pro Bowl cornerback Marcus Peters. 

Just a few days later, a large part of the win in Seattle was credited to Peters, whose 67-yard interception return for a touchdown gave the Ravens a 13-10 lead and helped propel the Ravens into the bye week with a 5-2 record. They used that confidence to springboard themselves to a 14-2 regular season on the back of their talented secondary. 

The Ravens only sent backup inside linebacker Kenny Young and a 2020 fifth-round draft choice to the Rams for Peters in a deal that looks even better with time.

“I knew that there was a discussion, but I found out about that discussion right before we got him,” Ravens defensive coordinator Don “Wink” Martindale recalled Thursday. “I think anytime you talk about adding a player of that caliber, [29] interceptions now over his career, you’re fired up. I think the only one that was happier was Chris Hewitt and Jesse Minter, the secondary coaches.”

Since becoming a Raven last October, Peters has played in 15 regular season games, signed a three-year extension to stay in Baltimore and been named a Pro Bowler and an All-Pro. 

Over those 15 games, Peters has scored two touchdowns and forced five interceptions. This year, paired with fellow Pro Bowl cornerback Marlon Humphrey, he’s allowed a completion percentage of 64.3, according to Pro Football Reference.

Peters was lauded for his football intelligence when he arrived in Baltimore, and so far he’s proven that reputation correct. He’s been able to make standout defensive plays time and time again, as he and Humphrey make up likely the NFL’s best one-two punch at cornerback.

“It was one of those things that you don’t know a guy until he gets here,” Martindale continued. “And every day, I’m happier because I got to know the guy. What a great person he is, what a great player he is. He wants to do all the right things and he wants to be a leader on this defense, and he is.”

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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