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Car Report: Nissan NV200 cargo van is an efficient small-scale hauler

WASHINGTON — A small cargo van isn’t as sexy as the new Lamborghini or the new latest and greatest from Germany, but for a small business owner, the Nissan NV200 SV could be a cost-effective way to upgrade the fleet.

Some companies just don’t need large cargo vans, but until recently that’s about all that was available, especially since the demise of the Baltimore-built Chevrolet Astro Van in 2005. But lately, a few manufacturers have started selling smaller 4-cylinder cargo vans perfect for light-duty work, and doing it in a fuel- efficient way.

I spent a week with a $23,645 Nissan NV200 SV cargo van. It came as loaded as a cargo van can be. No, there’s no leather on the seats, but a sturdy cloth with some vinyl on the seat bolsters help prevent wear. Still, the options on top of a base price of $21,000 are worthwhile. They include navigation that’s easy to use, and the important rear-view monitor, which keeps the van dent-free when backing up for that delivery. I didn’t know they still made 15-inch wheels, but they come standard on the NV200.

The NV200 is around six feet tall, so fitting into most city garages is a snap, and its smaller width means you can park in a regular parking spot instead of hunting for a plus-sized space and use the drive-thru without hitting the curbs on those sharp turns on the way to the pick-up window. I was able to haul some eight- foot boards with enough room to close the rear doors.

The van also motivated me to outfit a spare bedroom with a new bed and save on the delivery charge. A queen mattress just fits, but the box spring didn’t and it rode tied to the roof. So the NV200 won’t be delivering a California King Mattress for a living. But this will work for companies that need some space and some cargo hauling ability up to 1400 pounds.

The Nissan NV200 isn’t going to break the bank at the gas pump. It’s rated at 24 mpg city and 25 mpg highway. I managed 23.9 mpg city in 102 miles of driving. (I’m sure riding around with a box spring tied to the roof tends to hurt fuel economy.)

The Nissan was easy to drive, but with just 131 hp from its 4-cylinder engine it isn’t going to win many stop light races. I had some light loads in the back and it never felt like it was under-powered, but when it’s loaded to capacity that might be a different story. The CVT transmission seems to keep the engine at the right place but it can get buzzy.

The brakes worked well, and the large side mirrors made lane changes easy, with a good field of vision. The seats are fine for all day stop-and-go driving, and the passenger seat back folds into a table — good for a laptop or paperwork. The sliding side doors open and close without much effort, and the rear doors won’t open past the vehicle unless you flip a lever – a nice safety feature for loading on a street next to traffic.

The Nissan NV200 isn’t as exciting as a new Ferrari, but it’s just what some business owners or fleet managers are looking for. A smaller cargo van that’s easy to use in the city and doesn’t cost much to run could be just the ticket to help meet ever-tightening budgets.

Mike Parris is a member of the Washington Automotive Press Association. The vehicles are provided by STI ,FMI or Event solutions for the purpose of this review.

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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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