Already read all those before I asked here. Tried the template, couldn't get all to work because the Univ. has some of its own requirements as well, so I'm doing this from scratch, and learning as I go.
I found the answer on a superuser site. Format the Heading, and format the following paragraph separately, then with the cursor in the Heading text, do Ctl-Alt-Enter to concatenate the two. This puts an embedded style change marker between the two parts. It looks like a paragraph mark but has a dotted box around it. The trick is to properly format the parts separately first, on different lines. Then if the cursor is in the Heading text, the Ctl-Alt-Enter will cause the following paragraph to jump up to the heading line.