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Car Report: Chevy Equinox is more connected with built-in Wi-Fi

WASHINGTON — Chevrolet’s small sport-utility vehicle has been good for sales;
it’s always in the top three in a very competitive small SUV/crossover segment,
where sales are booming.

That says a lot for the Equinox, an older model with a mostly
redesigned competition.

Size matters in the small-crossover market. The Equinox is on the larger side
for the segment, as are the other top-selling crossovers.

The design really maximizes the space inside, and you don’t feel like you’re
driving something too large for the road. The standard heated and power leather
seats are comfortable, and there’s room in the back for three adults.

The rear seats can slide and tilt for more comfort. You can also fold the seats
down and have a good deal of space for hauling bigger items through the power
rear hatch.

But some of the materials used on the dash and doors are older-model hard
plastics, compared with the nicer materials on the newly redesigned GM products. I
hope there’s a refresh soon. The cabin is quiet even on the highway at higher
speeds.

For 2015, the Equinox soldiers on mostly the same as it did last year with two
new paint colors outside: Blue Velvet and Sea Grass Metallic. Here’s the
real change, though: For years, GM has equipped its vehicles with OnStar to unlock
your
car, run a test, or get help in an emergency.

But now, there’s a standard 4G LTE with a built-in Wi-Fi hot spot so you can now
connect your laptop, tablet or any other device. I used the Wi-Fi hotspot to do
some work while in bad traffic.

I pulled into a parking lot to update a commercial and the speed of the
connection was very good. I was able to edit and update the commercial in
minutes.

Without it, I never would’ve made it to work in time to fix the issue. The first
three months and 3GB of data are free; after that, you have to purchase a data
plan.

It’s good to drive the fully loaded $38,000 top of the line Equinox LTZ. Still,
it would’ve been better if the optional 301-horsepower V6 was in my test
vehicle. I prefer more power; the base 2.4-liter 4-cylinder engine is fine
for most, I suppose.

When I had four people and a few items stuffed in the rear cargo area, I found
the acceleration lacking while merging into traffic. The 4-cylinder engine
matched with a fine 6-speed automatic does help with fuel economy.

I managed 23.6 mpg in a mix of mostly city and a little highway
driving with 29 mpg on that short 20-mile highway stint.

Those numbers are higher than the V6, which is rated at 24 mpg on
the highway and 17 mpg in the city. I’d still choose the V6, which allows you to
tow 3,500 pounds.

The Chevrolet Equinox is still a solid choice in the small crossover market with
its good size and roomy interior, and it checks many of the boxes a buyer wants.

The addition of a built-in Wi-Fi hotspot makes the Equinox that much more
attractive to
those who put a premium on the convenience of being more easily connected to
work or streaming entertainment from your vehicle.

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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