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Late filers may have lost their shot at some first-come, first-served state and college aid, but a completed FAFSA is required to apply for federal student loans (which, if you need to borrow, are better than private student loans on rates and borrower protections) and to qualify for many schools' merit-based aid.
Already filed? Alert the school if that bill shock stems from a change in your financial circumstances, said certified financial planner Melissa Sotudeh, chief compliance officer at Halpern Financial in Ashburn, Virginia. For example, if you've experienced a job loss, unexpected medical bills or other hardship.
"Once your child is in, a lot of schools want to work with you," she said. "It never hurts to call."
If you can come up with the full tab — just not all at once — ask the college if it offers a payment plan, Sotudeh said. Setup fees are often less than $100, and many colleges don't charge interest. Spreading out the tab over a semester (or longer) can make it easier to cover the bill with current income (i.e., your pa...
Tuition gets a lot of the focus, but don't forget to look for savings on room and board, said Rita Cheng, a certified financial planner and chief executive officer of Blue Ocean Global Wealth in Gaithersburg, Maryland. She crunched the numbers and found it was cheaper to pay for her daughter, a rising college senior, t...
"Depending on your child's eating habits, you could easily go from 19 to 14 meals [per week] and save some money," she said.
Adding an extra roommate, picking a different dorm or even opting to live off campus could also yield savings on housing. The University of Florida's East Campus, for example, lists per-student, per-semester prices ranging from $2,236 to $3,947 depending on the building, room amenities and number of roommates.
Don't count out the possibility of outside scholarships, said certified financial planner Joel R. Cundick, a financial advisor at Savant Capital in McLean, Virginia. There are plenty with summer deadlines for incoming freshman and upperclassman.
"It's not necessarily going to be the easy hunt people think it is," Cundick said. "You have to go into the search thinking, 'I'm going to get some from a few,' rather than one big-ticket win."
But before you go all-in on this strategy, it helps to ask the college about its displacement policy on outside scholarships. Some colleges may offset grant aid first, rather than loans — meaning the award will have less of an impact (if any) on your bottom line.
But be mindful of the impact of student work on next year's FAFSA application, he said. The formula on expected family contribution expects that half of income the student earns will be used to pay for college. Aid packages often factor in some work-study element, but more substantial student earnings could hurt next y...
Depending on other elements of your financial situation, you might have different investments or assets to tap, or options to borrow. (Just keep your hands off those retirement accounts.) Home equity loans, for example, have low rates right now and the interest can be deductible, said Boersen.
But you'll need to carefully consider how a particular move could influence financial aid in future years, and more broadly, the health of your finances now and in the future. You don't want to end up in a situation where your home is at risk because you can't repay that loan, for example. Co-signing a private student ...
"Can the parents financially sustain those payments, and are they still OK for their own lives, whether that be retirement or their own current needs?" Boersen said. "Just because the bank's willing to qualify you for something doesn't mean it's going to be a good financial decision."
Nearly 4 in 10 high net worth grandparents are chipping in for college, according to Fidelity, and more are willing to do so — but haven't been asked.
If you do reach out to relatives, be mindful of how their gifts might impact aid in future years, said Peter McKenna, a certified financial planner with Highland Financial Advisors in Wayne, New Jersey. Funds from a grandparent-owned 529, for example, are treated as student income in FAFSA filings. You'd be better off ...
"You really do have to have a plan," said Sotudeh. "You don't want this to repeat."
Part of that is strategizing about how you're going to navigate next semester's bill, and the ones after that, she said: Maximizing scholarships and savings, taking advantage of tax breaks and evening out borrowing. Keep in mind that aid offers may be less generous over time, if they don't renew for upperclassman or ke...
If you expect financial struggles to continue, you might weigh bigger moves like switching schools or boosting the course load to meet degree requirements more quickly. Tuition for online or summer courses can be less expensive, Cheng said.
It's also key to enlist your student, said Cundick. Awareness of how the family is stretching to cover bills, and what their own student debt burden will look like at graduation, could spur them to be more responsible about graduating on time and curbing outside costs.
"There used to be a time where we talked about living like a college student, and that seems to have gone out the window," he said.
Editors' Note: Updated at 12:41 a.m. ET to include Cnet's report on LG's smartphone plans.
To fold or not to fold — that appears to be the question facing LG and its next smartphone, according to dueling reports about the phone maker's plans for next month's Mobile World Congress event in Barcelona.
The successor to the LG G7, shown here, is expected at MWC next month. (Credit: Tom's Guide)On the folding phone front, a Korean paper reports that the LG G8 ThinQ will debut at the mobile industry trade show in February, and that the new flagship phone will feature a folding display. The report, published in Dong-A Il...
But wait — a second report in Cnet cites a person familiar with situation at LG who says that's not what the company is planning at all. Instead, according to that report, Cnet will build a phone that will allow you to attach an optional second screen. And it will be just one of several phones LG could unveil at MWC in...
Who to believe? We'll have plenty of time to debate that point, as Mobile World Congress doesn't begin until e.b 25.
The phone described in the Dong-A Ilbo report sounds a lot like the same approach ZTE used for its foldable Axon M smartphone back in 2017, and it wasn't entirely successful then. While the hinge on the Axon M was certainly sturdy, it also proved a nuisance when trying to use the phone in full-screen mode. The report o...
This isn't the first time we've heard about LG's plans for a foldable phone. Patents describing a hinged phone were spotted late last year, and LG executives told us at CES that a foldable phone was in the works. In fact, some industry watchers had even suggested a foldable phone would make a surprise appearance at las...
In addition to the folding screen, the report out of Korea on the LG G8 says the phone will use something called "touchless input," which will let you preform gesture controls from up to 11 inches away without touching the screen. A sensor on the front of the phone will be able to recognize the gestures you make, accor...
It wouldn't be out of character for LG to try something new with the phone it introduces at Mobile World Congress, whether that's a foldable phone or one that has the attachable screen Cnet describes. At the 2016 edition of the mobile trade show, the phone maker unveiled the modular LG G5, which was designed to let you...
Of course, it also wouldn't be out of character for someone to steal LG's thunder around Mobile World Congress. Not long after LG introduced the extra-wide screen on the LG G6, Samsung took the wraps off the Galaxy S8 and its similarly immersive Infinity Display. Guess who wound up getting all the attention?
LG had better hope history doesn't repeat itself. This year's Mobile World Congress kicks off on Feb. 25, but a few days before on Feb. 20, Samsung will hold its own press event in San Francisco. It's expected that Samsung will introduce the Galaxy S10 at that event, but there's also a possibility that the foldable Gal...
Perhaps price could be a differentiating factor. While Samsung's foldable phone is is expected to cost a lot — we've heard reports that it will be around $1,800 without any carrier subsidiaries — Dong-A Ilbo suggests the LG G8's price could be closer to $900.
Singer Nicki Minaj tends to wear jaw-dropping outfits for her public appearances (sparkling jumpsuits, towering wigs), but for her big SNL debut, Minaj opted for jaw-dropping style of the runway variety.
The singer chose a frothy look off Christian Siriano's Spring 2011 runway as she sang her popular pop ballad, "Right Thru Me."
Seems the appearance overall, was quite a show-stopper: Even the Wall Street Journal though Minaj stole the show.
From left: New York Attorney General Eric Schneiderman and New York City Police Dept. Chief of Department Philip Banks display a chart relating to the Super Bowl "party packs" at a news conference, in New York City, on Jan. 30, 2014.
New York police say they have arrested 18 operators of a high-end drug trafficking and prostitution ring planning to deliver “party packs” of cocaine and prostitutes during Super Bowl weekend. The suspects are charged with conspiracy, narcotics sales, promoting prostitution and money laundering among other crimes, New ...
The arrests came after a nearly year-long undercover investigation of a crime ring that police say was laundering its money through a clothing wholesaler, a wig wholesaler, a limousine service and a beauty supply wholesaler. The 11-month investigation involved physical and electronic surveillance.
Authorities estimate the operation made millions of dollars through high-end prostitutes and drug sales in Manhattan, Brooklyn, Long Island, and Queens, as well as several other states. The suspects allegedly made their money by supplying wealthy johns visiting from out-of-town with large quantities of cocaine brought ...
“These criminals utilized apartments in residential buildings as a way of carrying out their illicit activities. They disregarded the safety and well-being of every member in those communities by providing a ‘one-stop shopping’ drug and prostitution ring,” Police Commissioner William J. Bratton said in a statement. The...
If this was a measuring stick, it just slapped UM upside the head.
What has to hurt a Canes fan as much as the defeat itself is that on a night when the opportunity was as big as the stage, this was a game completely and thoroughly lost as a once-great old rivalry renewed itself on national TV from Soldier Field.
The Miami offense that has mostly looked so dominant this season was humbled and buried by Notre Dame’s vaunted defense.
And the Canes defense, a problem all season — at times embarrassingly bad — was run over, through and around by an Irish offense that (you wouldn’t know it) had been struggling. Notre Dame rushed for 379 yards against a school once renowned for run defense. Warren Sapp and Cortez Kennedy had to be shaking their heads. ...
If only many of those that shaped Miami’s loss weren’t the kind the Canes would rather forget.
So many early wounds all were self-inflicted.
The first play of the game was a likely 72-yard Stephen Morris touchdown pass that Phillip Dorsett let fall to the ground. Later in that series Dorsett would drop a perfect pass in the end zone.
A roughing-the-punter penalty against Miami and then a personal foul would help Notre Dame to its first touchdown.
A Miami holding penalty would erase a 13-yard TD run by Morris.
A Canes possession that started at the Irish 35 was squandered, expiring with a Jake Wieclaw field goal try that knuckled and wobbled horribly short and left.
A defensive personal foul gave the Irish a first-and-goal that turned into a TD.
The mistakes became a small parade, but the grand marshal was that initial drop. You have to wonder how the game might have been different had Dorsett made that first catch. Had a big crowd been stunned silent so soon. Had the Irish trailed in a game for the first time all season.
I don’t mean to pick on Dorsett. He was the team’s last-minute hero only one week earlier.
But big plays — those made, and those not made — define big games, and those two huge drops on Miami’s first possession set the tone for this night and had the Canes scrambling from behind long before Notre Dame began to overpower the UM defense in the second half.
So the Irish, now 5-0 and feeling a renaissance in search of their first national title since 1988, can expect to rise from their No. 9 national ranking.
And the Hurricanes, now 4-2, can at least take consolation in that 3-0 ACC record that leaves hopes of a big bowl, maybe even the Orange Bowl, still in reach.
This was a big, big chance missed, though. A chance for Miami to get back into the national polls and into the national conversation in this sport.
The opponent was certainly right. Echoes of these schools’ riveting “Catholics vs. Convicts” rivalry from 1985 to 1990 gave this rematch a broader context and interest. Notre Dame is always Notre Dame, but Notre Dame in the top 10 ascends to another level.
“I’ve been waiting for this game since my freshman year,” the UM quarterback Morris had said.
Dorsett one-upped him. “I’ve been following Notre Dame since I was born,” he said earlier this week.
Miami had a huge opportunity to convince poll voters who clearly needed convincing. There were seven one-loss teams in the Top 25 entering this week — UM not among them. That 52-13 loss at Kansas State lingered sourly in voters’ minds. Plus, apart from the routine win over undermanned Bethune-Cookman, the Canes’ wins o...
When you make a list of the biggest victories in UM history you start with the five that brought national championships (the most recent in 2001). Right after that, though, any short list of biggest victories for this storied program surely would have included Saturday night had these Canes been up to the task.
Instead this signature opportunity went the way of that very first pass that arched so beautifully toward a waiting receiver Saturday night.
This Wayward Pines post is written from the point of view of someone who has not read the books the series is based on. As such, spoilers are strictly forbidden. Any spoilers in comments will be deleted on sight. Remember: Discussions of things that were different in the books or confirmations of things that won’t happ...
In the end, it turns out David Pilcher has been lying all along, maybe even to himself. He doesn’t want an end to the violence, or a stable society, or even for humanity to go on. No, what he wants is to be in charge. And that takes precendence over everything else. If he can’t be the mastermind of humankind’s future, ...
The Reckoning that begins and closes out the episode turns out to be a Reckoning, after all—just not for Kate. No, it’s all of Wayward Pines that has been put on the expendable list, a sacrificial lamb on the altar of David Pilcher’s ego. When Ethan tells everyone the truth, aided by Kate, Theresa, and the others whom ...
Even those whose refusal to capitulate to the fearmongering and surveillance—the resistance—finally acknowledge what they’ve refused to believe until now. The sole voice of outrage isn’t even somebody denouncing these as lies. No, it’s Mrs. Fisher, castigating her neighbors for failing to fully appreciate what Pilcher ...
Every episode of Wayward Pines has featured at least one jaw-dropping moment, and ”A Reckoning” is no exception. When Jason, self-proclaimed member of the first class of Wayward Pines High, pulls the resistance out of their cells and kills them, one after another, via shotgun blasts to the head, it’s a shocking and unn...
The police stations executions were deftly set up, however, by the events that came before, so that the killings weren’t out of nowhere so much as expertly intimated by the pacing and camerawork. Director Nimród Antal deserves credit for building suspense progressively, from the creepy Hitler Youth-style rally of the c...
Unfortunately, Ben Burke isn’t quite as understanding this week. When Amy suffers her hemorrhage, Ethan’s son is all too happy to lash out, prodded along by the manipulative machinations of Mrs. Fisher. He’s angry, and hurt, and he’s been convinced that it could all have been avoided if his dad had acted otherwise. Sta...
But fear is driving almost everyone this week. With good reason: the truck-sized hole in the security wall almost allowed Abies to run wild through Wayward Pines. (Ethan’s shooting of the tires was a clever and visually inspired bit of action.) Pam, no longer being spoken to by her brother, slips Theresa a security cle...
Adam Hassler returns this week, not as a secret member of Wayward Pines’ community, but as a tragic piece of evidence that confirms the truth to Theresa, Kate, and anyone else who sees his video transmission. Hassler was one of the first ones brought out of hibernation, and sent on a reconnaissance mission. His finding...
If only that proof had come earlier. Pilcher’s megalomania has lost any of the things holding it in check: Ethan, Kate, even his own sister, who must have been the final bulwark against his tendencies for years. So we end this episode in much the same situation it began: with Abies at the wall, no longer prevented from...
Congratulations, everyone who noticed last week’s foreshadowing about Amy. I’m not sure she’ll die, but that no longer feels like it’ll be a factor in Ben’s actions.
There was a nice beat tonight, when Franklin was pacing in his cell, convinced Ethan was going to kill them all, despite Kate’s assurances. The cross-cutting was sharp and effective.
Which—again—makes me want to compliment Antal for such assured direction. This show’s strategy of hiring smart indie directors has really paid off.
Next week’s posting will be later than usual. Fox isn’t providing screeners of the finale, so I’ll be watching and biting my nails with the rest of you. I’ll try and post an initial review of the episode as quick as possible, and then update it into the night as I evaluate the various threads of this addictive and imme...
Darrian Miller’s 171-yard, four-touchdown performance – which enabled the junior back to surpass the 2,000-yard rushing mark for the Blue Springs High School football team – was little more than an afterthought Friday.
That’s because the Wildcats crushed Columbia Rock Bridge 49-14 Friday night at Peve Stadium to win the 16th district title in school history.
The win gives the 9-1 Wildcats a 3-0 record in Class 6 District 8 action and sets the stage for a home Class 6 sectional playoff next Friday against Lee’s Summit, which beat Lee’s Summit North to 24-21 Friday to earn the runner-up spot in District 7.
“I’ll be honest with you,” said Miller, who carried the ball 17 times for an average of just more than 10 yards per carry, “the win is the most important thing. I rushed for 2,000 yards because of my offensive line, our great offense and our coaching staff.
Miller finished the regular season with 2,031 yards and 32 touchdowns.
While Miller was the man of the hour, senior quarterback Jared Lanpher went out with a regular-season bang, completing 13 of 19 passes for 181 yards and three touchdowns.
Yet all he wanted to talk about was Miller.
That’s because the Wildcats scored 42 or more points in nine of their 10 regular-season games and the starters were usually out of the game by the start of the third quarter.
Miller scored the first touchdown of the game with a jaw-dropping 12-yard run in which he collided with two Rock Bridge defenders, bouncing over each of them, en route to the end zone. The extra-point kick was wide, making the score 6-0.
He then scored on a 1-yard run, and a two-point attempt failed, allowing Rock Bridge to take a short 14-12 lead on touchdown runs of 21 and 74 yards by University of Oklahoma-bound tailback Trey Millard.
With 1:53 left in the half, Lanpher and Jordan Nubine hooked up on a 17-yard pass play and Keeston Terry ran in the two-point conversion to allow the Wildcats to take a 20-14 lead into halftime.
On the first play of the third quarter, Lanpher hit Terry with a 54-yard touchdown pass down the near sidelines and the rout was on.
While the offense was in high gear, Jordan Chrisman and the Wildcats defense kept Rock Bridge (5-5) out of the end zone in the second half, although the 6-foot-3, 250-pound Millard finished the game with 170 rushing yards.
The Wildcats scored on 5 and 14 yard runs by Miller and a 19-yard pass from Lanpher to Jake Middleton before Donohoe cleared the bench – for the ninth time this season – to bring in the reserves.
Lyndsey Mullen, 15, recently won an award for her wood-carving work. She's pictured with two of her carvings, a swan and a Scarlet Tanager, at her home outside Walkersville.
Lyndsey Mullen owns a chinchilla, a snake, a lizard, two dogs, two goats, a cat, three turtles, three tortoises, two guinea pigs and some fish. The 10 birds she owns? They're wooden.
Lyndsey and her father, Ty, carved each of them.
The Mullens live in Walkersville and homeschool Lyndsey. The teen recently won a best in division award in her age group at the annual Ward World Competition, held in Ocean City in April. As a result, her carving of a Baltimore oriole will be displayed for one year in The Ward Museum in Salisbury.
She said her obvious love for wildlife influences her artwork from carving to painting and drawing. And "birds are easy [to carve] because they don't have limbs," she added.
But Lyndsey admits that carving didn't always come so easy to her. She is the student of Monrovia resident Gary Stenger, an award-winning carver who teaches classes at the Fountain Rock Nature Center in Walkersville. During her first class in 2007, she couldn't get used to holding the knife correctly and cut herself se...
"We had to supply our own Band-Aids because she was going through all of Gary's," Lyndsey's mom, Pat, said with a chuckle.
She bought the lessons for her husband and daughter as a Christmas present in 2006. Even though Stenger gave Lyndsey special permission to enter the class when she was just 12 years old (the age limit for the class is usually 13), that was already a year later than she wanted to begin. Lyndsey doesn't remember exactly ...

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