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Peter’s Take: Customer Über Alles

By WTOP Staff

Peter’s Take is a weekly opinion column. The views and opinions expressed in this column are those of the author and do not necessarily reflect the views of ARLnow.com.

Peter RousselotThis month, ARLnow.com posted two stories about fee-based rides in Arlington.

The stories and comments highlighted a controversy featuring charges and counter-charges among:

* traditional taxicab companies like Arlington Red Top Cab;
* newer providers like Uber and Lyft; they offer apps allowing smart phone-equipped riders to schedule rides from drivers who use their own personal vehicles to provide those rides, and bill the rider’s credit card;
* customers of both kinds of providers, and
* drivers for both kinds of providers.

Fortunately or unfortunately for the partisans on various sides of this controversy, Arlington right now cannot adopt the ideal framework to address this situation. Under the so-called Dillon Rule, Arlington needs explicit authorization under Virginia law to develop a comprehensive solution.

Arlington currently is saddled with a hopelessly outdated Virginia regulatory framework which specifies only how Arlington should regulate traditional taxicab companies. This existing framework needs a radical overhaul. Current Virginia law also does not give Arlington the comprehensive authority needed to regulate the newer providers.

What Arlington can do now is develop suggested principles and minimum standards that it would like the authority to use to regulate all providers of fee-based rides.

To the maximum extent possible, this new framework should eliminate:

  • caps on the numbers of individuals, companies, or vehicles that could provide the services;
  • maximum or minimum fees that could be charged, and
  • other purely economic regulations and barriers to entry or exit.

However, the new regulatory framework should set minimum standards and requirements in areas such as:

  • safety;
  • liability insurance;
  • background checks, and
  • full disclosure of terms and conditions of service, preferably on a new website that would enable fair, side-by-side comparisons, among all providers.

D.C.’s recent experience with these issues offers a cautionary tale. The D.C. City Council, instead of taking the approach I recommend above, ended up granting its traditional taxicab companies a monopoly on one part of the business, while giving Uber a monopoly on a different part of the business. Two monopolies are not better than one.

Arlington County should develop a blueprint for a new 21st century approach to these issues. That blueprint should give the highest priority to customer service and value. Then, Arlington should ask our legislative delegation to take our blueprint to Richmond, and seek bi-partisan support for the new state laws Arlington needs to implement that blueprint.

Peter Rousselot is a former member of the Central Committee of the Democratic Party of Virginia and former chair of the Arlington County Democratic Committee.

Don’t Settle for Student Loans to Pay for Online Education

By WTOP Staff
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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