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Progressive Voice: A New Column for a Great County

Progressive Voice is a new weekly opinion column. It will be written by a rotating group of contributors. The views and opinions expressed in this column are those of the author and do not necessarily reflect the views of ARLnow.com.

Carrie JohnsonArlington is a great place to live and work. Arlington has for many years enjoyed attractive communities, safe streets, excellent schools, wise planning and prudent investments. No community is perfect, to be sure, but Arlington continues to grow and attract new residents because it consistently delivers quality services and effective government.

Arlington’s successes are no accident; they are the result of decades of sound, fiscally responsible progressive leadership. This column – which will run weekly on ARLnow.com – will present articles from a series of authors who believe – as does a large majority of Arlingtonians – that Arlington’s progressive values matter and should remain at the core of Arlington’s decision making. Individual views on particular issues may differ, but what unifies us – and advances our Arlington community – is our shared commitment to keeping Arlington dynamic, diverse, and highly successful.

The result of over 30 years of progressive leadership in Arlington is a richly diverse, well-educated population and a community that continues to offer the best of urban living while retaining strong neighborhoods and the values of a smaller town.

A generation of farsighted planning, coupled with the community’s willingness to make investments in its future, have created the strong transit-oriented, mixed-use corridors that are so attractive to young adults, empty nesters and others who prefer to live and work in higher-density centers. For young adults, Clarendon was recently named the #1 place in the entire region – and one of the top places in America – to live.

These corridors have also generated much of the revenue supporting core County services. Commercial taxpayers account for approximately 50% of all property tax revenues, compared to approximately 30% regionwide. This growth has enabled Arlington to spend more per pupil than any other Northern Virginia jurisdiction and earn accolades for some of the country’s very best public schools. (Indeed, Arlington has continuously increased funding for its schools even though almost 88% of Arlington households have no school age children.)

At the same time, through smart planning, community input, and well-managed growth, Arlington has protected parks and open space and Arlington’s neighborhoods retain their basic character. Many such neighborhoods are attracting young families – a trend that has increased our school-age population.  In addressing the challenges of our growing schools population, we cannot shortchange investments in other priorities that attract people to Arlington and make our education spending possible.

Our progressive vision has also placed Arlington in the forefront of the effort — locally, in Richmond, and at the federal level — to promote affordable housing options and look for ways to accommodate those who want to keep living in Arlington as they enter their senior years.

All the while, these progressive policies, investments, and fiscal prudence have given Arlington one of the best credit ratings of any locality in America – saving millions of dollars in borrowing costs – and ranking Arlington among the top places in America across a broad range of success criteria.

To keep moving Arlington forward, we cannot abandon the progressive vision that has made our community such an attractive place to live. We cannot stifle managed, well-planned growth that we will need in order to generate revenues necessary to sustain core services and educational achievement. And we cannot ignore, or create false economies about, the infrastructure and transit investments that are necessary to achieve those revenues and objectives.

Our Progressive Voice columnists are looking forward to discussing this sensible progressive agenda with you in ARLnow in the weeks and months to come.

Carrie Johnson is a local civic activist, a progressive Democrat, and served as a member and two-time chair of the Arlington County Planning Commission.

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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