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Energy, EPA appointees signal status quo for Obama green agenda

In fulfilling expectations that he would tap Gina McCarthy and Ernie Moniz to fill out his energy and environment team, President Barack Obama let it be known that he’s seeking practicality over green purity.

Make no mistake, with McCarthy at the Environmental Protection Agency and Moniz heading the Energy Department, conservatives and the fossil fuel industry will still have plenty to grouse about. But both nominees have reputations for being pragmatic and talking straight with Congress. And that has most predicting a status quo for energy and environment policy.

ClearView Energy Partners Managing Director Kevin Book advised clients on Monday that the selections signal a plan to continue EPA’s forward march on selected new rules, such as lower limits on sulfur in gasoline and national ozone standards.

It also shows that EPA is not going to rush ahead with regulations that are problematic politically and economically for Obama, including greenhouse gas limits on refineries, at least until after McCarthy is confirmed.

“What we’ve seen of McCarthy suggests she is a hands-on leader, but also a pragmatist when it comes to picking her fights,” Book wrote.

Rep. Joe Barton, R-Texas, the former chairman of the House Energy and Commerce Committee, put the status quo nature of McCarthy’s nomination another way.  He said he wants her to stick to enforcing regulations already in place, “instead of pushing more extreme interpretations meant to placate the environmental lobby.”

He added, “However, I would describe my past encounters with Ms. McCarthy as professional, but politely non-compliant so I’m not confident anything will change.”

Moniz is less of a known quantity, having last been confirmed by the Senate in 1997 when he left the White House  Office of Science and Technology Policy to become Energy Department under secretary.

He was most recently on Obama’s blue ribbon commission on the future of nuclear power and has also spoken in support of natural gas use as the way to cut carbon emissions in the short term over coal.

He has also expressed concerns about hydraulic fracturing, however, by saying gas development’s risks are manageable  — but not yet fully managed.

Moniz offers Obama a more politically astute energy secretary than Steven Chu, who never seemed to adapt to the policy battles that make up daily life in Washington.

Translated: Moniz may be someone who can steer the Energy Department through the liquefied natural gas exports review process and lobbying, and make the case for continued green energy research appropriations.

Obama passed over better-known Democrats to select two nominees who will stick to his good-for-the-environment, good-for-the-economy arguments. Republicans won’t agree – but they will have to look past the moderate styles of McCarthy and Moniz to make their case.

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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