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Electronic cigarettes makers under fire in Senate

JENNIFER C. KERR
Associated Press

WASHINGTON (AP) — E-cigarettes with fruity flavors like “cherry crush” ignited an intense Senate debate Wednesday about whether manufacturers are trying to appeal to youngsters similar to the way that Big Tobacco used Joe Camel decades ago.

“The last thing anyone should want to do is encourage young people to start using a new nicotine delivery product,” Senate Commerce Committee Chairman Jay Rockefeller, D-W.Va., said as he opened a hearing on the battery-powered devices and worries that e-cigarette makers aim to tempt young people to take up something that could prove addictive.

Jason Healy, president of blu eCigs, and Craig Weiss, president of NJoy, were challenged for more than two hours about industry marketing practices that include running TV commercials and sponsoring race cars and other events. Both men insisted they aren’t trying to glamorize smoking and don’t target young people and that their products are a critical alternative for people desperate to quit traditional smokes.

Electronic cigarettes heat a liquid nicotine solution, creating vapor that users inhale. E-cigarette users say the devices address both the addictive and behavioral aspects of smoking without the thousands of chemicals found in regular paper-and-tobacco cigarettes. But there’s not much research on any health risks of e-cigarettes, and the studies that have been done have been inconclusive.

As the Food and Drug Administration considers regulating e-cigarettes, critics wonder whether e-cigs keep smokers addicted or hook new users and encourage them to move on to tobacco.

Healy of blu eCigs, which is owned by the tobacco company Lorillard Inc., testified that his company has voluntary restrictions in place, such as limiting advertising placements to media and events where the target audience is at least 85 percent adults.

Sen. Barbara Boxer, D-Calif., questioned the youthful-sounding flavors for e-cigarettes. Healy’s company, for example, sells electronic cigarettes that come in flavors like Cherry Crush, Peach Schnapps and Pina Colada. Healy countered that the average age for consumers of his e-cigarettes is 51.

Rockefeller was not swayed, bluntly admonishing both men and telling them: “I am ashamed of you. I don’t know how you sleep at night.”

About 2 percent of U.S. teenagers said they’d used an e-cigarette in the previous month, according to a survey done in 2012 and released by the Centers for Disease Control and Prevention. And about 7 percent said they’d tried an e-cigarette at least once in 2012, which translates to nearly 1.8 million.

In April, the FDA proposed regulating e-cigarettes, banning sales to anyone under 18, adding warning labels and requiring agency approval for new products. But the FDA didn’t immediately place marketing restrictions on e-cigarette makers or a ban on fruit or candy flavors, which are barred for use in regular cigarettes. The agency has left the door open to further regulations, but says it wants more evidence before it rushes into more restrictions.

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AP Tobacco Writer Michael Felberbaum in Richmond, Virginia, contributed to this report.

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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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