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Kerry: Address climate change before it’s too late

STEVE LeBLANC
Associated Press

BOSTON (AP) — Secretary of State John Kerry said Wednesday that the country and the world need to confront the threat of climate change while there’s still time.

Kerry said climate change is already changing the world in real and significant ways, from serious food shortages to increasing temperatures to the threat of rising sea levels. But those changes also bring the potential of millions of new jobs to develop the renewable energy industry, he said, provided the U.S. and the rest of the world act now.

“We still have in our hands a window of opportunity to make the difference,” he said. “But the window is closing quickly. That is not a threat. That is a fact.”

Kerry made the comments after touring a Boston wind technology testing center with his British counterpart, Philip Hammond, who echoed Kerry’s remarks.

“This is a battle that we have to win for the sake of our long-term security,” Hammond said. “We do not accept that we have to choose between prosperity and the future of our planet.”

The Wind Technology Testing Center, located on Boston’s waterfront, is the first in the country capable of testing large-scale wind turbine blades up to 90 meters in length. The center also acts as an independent certifier of wind blade designs, with the goal of helping reduce the costs of the technology.

Massachusetts is home to what could be the nation’s first large-scale offshore wind farm.

The Cape Wind project is a proposed 130-turbine facility off the coast of Cape Cod. The project, which has been in the planning stages for more than a decade, is slated to begin construction next year.

A large area off the coast of Massachusetts, south of Martha’s Vineyard, is also being opened up for other commercial wind energy projects.

The proposed area announced this year is more than 1,160 square miles — larger than the land area of Rhode Island — and will nearly double the federal offshore land area available for commercial-scale wind energy projects.

Gov. Deval Patrick said the state is leading the way for the country, noting that Massachusetts has topped other states in energy efficiency over the last three years.

He also said about 100,000 people are working in the state’s clean-energy sector.

“There is no niche center of our economy,” Patrick said. “This is a powerhouse.”

Nationwide, Kerry said, the economic changes are already happening. The U.S. is continuing to increase the amount of power generated by wind, solar and other sources of renewable energy, he said.

“A clean energy future is not a fantasy,” Kerry said.

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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