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MoCo’s most congested intersections are probably familiar

Top 10 most congested intersections in Montgomery County, via  Planning Department 2014 Mobility Assessment Report

By one commonly used metric, the three most congested intersections in Montgomery County are all in Bethesda and North Bethesda.

It’s probably not a surprise to the many who travel Rockville Pike each day that leading the pack is the intersection of Rockville Pike and Cedar Lane, according to data collected and compiled by the county’s Planning Department in its biennial Mobility Assessment Report.

The report uses traffic count data gathered at major intersections to measure critical lane volumes (CLVs). The higher the CLV, the worse the congestion. It’s important to know the planning department doesn’t get updated CLV counts for each reporting period, though it did get a November 2013 count at Rockville Pike and Cedar Lane that showed a morning rush hour peak CLV of 1,957.

That’s good for most congested intersection in the county. More important to planners and policy makers, it far surpasses the intersection standard of 1,600 CLV.

The count, of course, came before a major intersection improvement project that added turning and thru lanes on Cedar Lane to improve traffic flow.

The No. 2 most congested intersection according to the report was at Rockville Pike and Nicholson Lane, with a peak CLV of 1,929. The standard for that intersection is 1,550. No. 3 was Old Georgetown Road at Democracy Boulevard, with a peak CLV of 1,923. That’s an improvement for the intersection, which was the No. 1 most congested in the last Mobility Report, though neither State Highway nor consultants have been able to do a CLV count there since 2009.

Not far behind the terrible traffic trio is Connecticut Avenue at East-West Highway, which comes in at No. 6 with a peak CLV of 1,848. That count was also made in November 2013 and planners say the Chevy Chase intersection is only getting worse.

“In the 2011 report, this location was ranked the 15th most congested; today it is ranked as the sixth most congested. As a down-County area, Connecticut Avenue in the Bethesda-Chevy Chase Policy area consistently has one or more intersections ranked in the top 25 most congested. SHA’s improvements here were implemented several years ago. The future Purple Line transitway could alleviate congestion at this intersection,” planners wrote.

Despite the presence of four of the county’s top-six most congested intersections, Bethesda, Chevy Chase and North Bethesda don’t seem to experience more traffic problems than any other particular part of the county. Of the 50 most congested intersections ranked in the report, 12 are in areas known as Bethesda, Chevy Chase or North Bethesda/White Flint.

By another metric — the amount by which intersection congestion surpasses intersection standards — many of the worst intersections in the county are in Rockville and Gaithersburg.

Other findings in the Mobility Report include some bicycle counts. Planners said they weren’t surprised to find Bethesda had the most observable bike trips. According to a similar ranking of bike counts per intersection, 17 of the top 19 most popular spots for bicyclists were in Bethesda, many on the same bicycle routes in downtown Bethesda and around NIH and Suburban Hospital.

The most heavily-traveled Metrobus routes included the J1, J2 and J3 routes that go from Westfield Montgomery mall to Silver Spring via the Bethesda Metro station.

And the Bethesda Metro station once again had one of the highest average weekday ridership numbers of all Metro stations in Montgomery County, along with the stations at Silver Spring, Shady Grove and Friendship Heights.

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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