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Top luxury sedan in mileage is a Lincoln

ANN M. JOB
For The Associated Press

Despite the common perception that Toyota and its luxury brand, Lexus, are best in fuel economy, it is the gasoline-electric hybrid version of Lincoln’s 2014 MKZ that ranks as the top luxury car in fuel mileage.

The 2014 MKZ Hybrid, which is rated by the federal government at 45 miles per gallon in both city and highway travel, also has a quiet interior, comfortable ride, an odd, push-button gear shifter and a surprising base retail price, including destination charge, of just $36,085.

The price is noteworthy because it is the lowest base retail price of any gas-electric hybrid luxury sedan sold in the United States.

It’s also just $1,000 more than the $35,086 price for a non-hybrid, turbo four-cylinder-powered, 2014 MKZ whose combined city/highway mileage rating is 42 percent less, or 26 mpg.

Plus, the base MKZ Hybrid mid-size sedan, which earned five out of five stars in government crash tests, is well-equipped.

Power comes from a 141-horsepower, naturally aspirated, four-cylinder engine mated to an electric motor capable of generating 88 kilowatts of electricity, so the maximum output from the hybrid system is 188 horses.

A fuel-saving, continuously variable transmission that a driver operates like an automatic is the only tranny.

The MKZ Hybrid has the usual standard features such as power windows and door locks, dual-zone, automatic climate control, push-button start, keyless entry and Bluetooth hands-free phone connectivity.

But some standard features aren’t always found on competitors. These include Sync voice and touchscreen control for ventilation and the audio system, active noise control for the interior, leather-trimmed seats, 10-way, power-adjustable and heated front seats, power and heated outside mirrors, 18-inch wheels and light-emitting diode headlamps and taillamps.

Still, the base 2014 MKZ Hybrid does not include a rearview camera for drivers to see what is behind the car as they back up.

To get this feature, buyers must upgrade to a package that adds $1,145 to the price, for a total manufacturer’s suggested retail price, including destination charge, of $37,230.

By comparison, the 2014 Lexus ES 300h has a starting MSRP, including destination charge, of $40,410 and carries a federal government fuel economy rating of 40 mpg in the city and 39 mpg on the highway.

The base ES 300h has more power — a 200-horsepower gas-electric powerplant linked to a CVT. But front seats in the base model are not heated, wheels are 17 inches in diameter and seat covering is Lexus’ NuLuxe faux leather.

The base ES 300h includes a standard sunroof that is not on the MKZ, but there is no rearview camera on the ES 300h unless a buyer adds a $4,177 option package.

Another competitor, the 2014 Infiniti Q50 Hybrid sedan, has a starting retail price of $45,305 and is rated at 29/36 mpg by the U.S. government. The Q50 Hybrid uses a 302-horsepower V-6 mated to an electric motor for a total horsepower of 360.

In contrast to the MKZ and ES 300h, the Q50 Hybrid sports a seven-speed, automatic transmission.

The front-wheel drive, four-door MKZ is, by far, the top-selling Lincoln. Sales this calendar year through April were up 58 percent from the year-ago period, to a total of 12,272.

Based on the Ford Fusion Hybrid which is also made by Lincoln’s parent company Ford Motor Co., the MKZ Hybrid has a distinctive look that’s an acquired taste to some, with its “winged” grille shape and thin, horizontal line of tail lamps.

The MKZ is unique in other ways.

It is oh-so-silent during most starts. The engine stays off but electric power that’s generated onboard and stored in the lithium-ion battery pack is ready. So a car icon illuminated bright green in the instrument cluster tells the driver the MKZ is on and ready to go.

That’s when the driver has to forget about using a gear shift lever. Instead, the MKZ Hybrid has a vertical line of buttons showing “P” for park, “R” for reverse, etc. on the side of the center stack in the dashboard. An MKZ Hybrid driver must press the brake pedal and press one of the buttons to “shift” into gear.

It takes some getting used to, but it worked fine in the test car.

This is not the first push-button shifter. Chrysler had a push-button shifter in several of its cars starting in 1956, and Ford’s doomed Edsel also featured the mechanism in the late 1950s.

The MKZ Hybrid offered a stable ride and had decent power to merge into traffic and keep abreast of others in city traffic and on country roads.

On the highway, the 2-liter, double overhead cam four cylinder could get buzzy as it worked hard on long uphill climbs.

The MKZ Hybrid averaged 34.5 mpg without the driver trying to maximize fuel mileage. While this is lower than the government rating of 45, it translated into a driving range of 465 miles on a full tank of 13.5 gallons of regular gasoline costing $52.

MKZ back-seat legroom and headroom of 37 inches and 36.6 inches, respectively, felt a bit tight in the tester. Trunk space in the MKZ Hybrid is a two-level arrangement, because of the location of the battery pack, and tops out at 11.1 cubic feet.

The 2014 MKZ Hybrid had a safety recall involving 7,153 cars which might be shifted out of park without the driver depressing the brake pedal.

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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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