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Going electric: Electric car owners aren’t looking back

John and Susan Hanson have always been environmentally astute.

Their business, Catoctin Pottery, is in a historic mill near Jefferson that uses solar-energy power and has a compost toilet. They buy additional power for the mill through Clean Currents, which uses wind-generated electricity sold to consumers through their existing power lines.

They had considered energy-efficient transportation and, after a test drive and gathering information on plug-in cars, they decided to turn over a new leaf in their lives —-and bought a Nissan Leaf.

The car brought about a lifestyle change, Susan Hanson said.

With limited driving range, an estimated 100 miles on a full charge, the couple has to calculate where they are going and if there will be a place to plug in once they get there.

So far, the most they have driven without stopping was a 60-mile pleasure drive around the area.

“We do go to our daughter’s home in Washington,” Susan Hanson said, “but we can charge up there.”

Susan Hanson said she has a “heavy foot” when it comes to driving, something she had to learn to control with the Leaf.

The savings, both in fuel costs and to the environment, outweigh the challenges of owning an all-electric car, the couple said.

“It cost about $40,000, but we got nearly $10,000 in tax credits and savings,” said John Hanson. That included $7,500 in federal tax credits; no Maryland sales tax, saving $2,000, and $300 off the cost of the $2,000 charging system at the mill, where they live upstairs.

The charging system is hooked to a 220-volt line in the mill. That “normal” system takes about eight hours for a full charge. A “trickle” charge, using a 120-volt system, takes up to 24 hours. There is also a “fast-charge” system that takes only 20 minutes or so, but there are few of those around, John Hanson said.

The car includes a kit with a plug for the Leaf and basic three-prong plug for a house outlet. “We’ve even used an extension cord with this to charge it up,” John Hanson said.

When visiting their daughter in Washington, the car has about 30 miles left on its range after they arrive. The Hansons can use trickle charge at the daughter’s home for eight hours or so and it will provide enough to get back to Frederick.

Susan Hanson said they chose the Leaf over a hybrid (combination gas and electric) because hybrids only solve half the fossil-fuel-use problem.

The Leaf got High Occupancy Vehicle number 85, which allows the vehicle to use the special highway lanes.

Figuring at $3.50 a gallon for fuel, the Hansons said they only use about one-fifth of the cost with electric versus gasoline to operate the Leaf. “It costs us about $1,000 a year to operate the Leaf,” John Hanson said.

There is no starter, no transmission, less routine maintenance costs (lubrications are necessary, but no oil changes) and no emissions testing requirement.

The Leaf comfortably seats four people, but can seat five, and has a cargo area in the back. It has front-wheel drive and the amenities found in a traditional vehicle from air conditioning and heater to radio. It even has heated seats and a heated steering wheel and a rearview camera.

“It isn’t as good in the snow as our Subaru,” Susan Hanson said, “but as good as any front-wheel drive car.”

The couple said they will decide in a year whether to keep the Subaru or make the Leaf their main transportation.

“Most people think of the plug-in cars as their second vehicle, just for around town,” John Hanson said. “But we may use it all the time.”

All of those amenities, such as air conditioning and heating, pull on the electric power, the couple said.

A solar energy collector on the rear part of the roof connects to a separate battery that runs the radio, headlights and windshield wipers.

On a demonstration ride with John Hanson, one could see how much power is being used and the indicator of remaining mileage change as the car traveled up and down hills. While most usage obviously drains power and remaining mileage, drifting down a hill adds more electric and gives a longer range to the car.

John Hanson said he believes future plug-in cars will have longer driving ranges as technology progresses.

The car, bought at Frederick Nissan, took about two months to arrive after the Hansons ordered it, John Hanson said.

Steve LaTour, a salesman with Frederick Nissan, said the dealership has sold four Leafs to buyers from Frederick and the surrounding area.

Shawn Shermer of Urbana is believed to be the first local person to get a Leaf. Shermer received her Leaf Dec. 23 and said she loves the car, but says more charging stations are needed.

Frederick Nissan is great, they let you charge free. But other Nissan dealerships I’ve been to either charge for the charge or only allow those who bought a Leaf at their garage use the charger,” Shermer said.

People also need to realize that the cost of powering the Leaf on a trickle charge doesn’t use much electricity. “It is less than the power for a hairdryer or space heater,” Shermer said.

The blue car has drawn a lot of interested people, Susan Hanson said.

“People stop to ask about how it drives, to look at it closely,” she said.

“We had thought about a Smart car, but took a test drive and decided on the Leaf. The Leaf is not a tin can, it’s a legitimate car.”

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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