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A sampling of states’ reaction to carbon cuts plan

JOHN FLESHER
AP Environmental Writer

A sampling of states’ reactions to President Barack Obama’s plan for reducing carbon dioxide emissions from coal-fired power plants:

STATES MOST RELIANT ON COAL FOR ELECTRICITY

KENTUCKY: Not surprisingly, the proposal is widely unpopular in Kentucky, which gets 92 percent of its electricity from coal — more than any other state except West Virginia — and is the nation’s third-largest coal producer. “Why keep chopping the legs out of your own economy to fight a world problem?” asks Gary Whitt, a railroad worker whose job depends on coal shipments.

INDIANA: Gov. Mike Pence and a state manufacturers’ group say the plan would cost Indiana — which generates 80 percent of its power from coal and is perched atop a gigantic vein — jobs and business growth while boosting ratepayer costs that are among the nation’s lowest. Purdue University researcher Doug Gotham says replacing aging coal-fired plants with natural gas burners will help.

STATES THAT PRODUCE THE MOST COAL

WYOMING: Fighting the feds is nothing new in a state participating in a dozen lawsuits against the Environmental Protection Agency over air emissions. Gov. Matt Mead says he’s reviewing the proposal and will “fight for coal” if necessary. Wyoming leads the country in coal production with nearly 40 percent, and Wyoming Mining Association director Jonathan Downing says it can be a clean energy source.

WEST VIRGINIA: Democrats and Republicans may agree on little else in the No. 2 coal-producing state, which also gets almost all its power from coal, but opposition to the EPA plan is bipartisan. Gov. Earl Ray Tomblin says none of the state’s coal plants is close to meeting the proposed standard, although companies say they’re cutting emissions.

STATES REQUIRED TO MAKE THE BIGGEST CUTS

WASHINGTON: The plan demands a 72 percent cut in coal usage, a far higher rate than any other state. But it helps that in this hydro-rich state, just 3 percent of electricity is coal-generated. Gov. Jay Inslee praises Obama for his leadership on carbon pollution, while officials note that a voter-approved law requires the largest utilities to get more power from renewable sources.

SOUTH CAROLINA: State government and power companies say the federal order to cut coal emissions by 51 percent is surprisingly harsh. But more than half of South Carolina’s power comes from nuclear plants and that will increase after two units under construction go online.

LEADING USERS OF ALTERNATIVE ENERGY

COLORADO: The administration describes Colorado as a poster child in the push to cut carbon emissions, praising its requirements for utilities to step up use of renewable energy sources; the state gets 11 percent of its power from wind. But coal remains the biggest electricity provider, and the plan seeks a 35 percent cut by 2030.

CALIFORNIA: Coal is a bit player in the most populous state’s energy portfolio, so few are complaining about the EPA order to reduce emissions by 23 percent. California gets more power from wind, biomass, geothermal, hydro and solar than from coal, and its providers are required to generate one-third of their electricity from renewables by 2020. “While others delay and deny, the Obama administration is confronting climate change head-on with these new standards,” Gov. Jerry Brown says.

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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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