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What you need to know about massive air bag recall

TOM KRISHER
AP Auto Writer

DETROIT (AP) — U.S. investigators, automakers and a parts supply company are trying to figure out why some automobile air bags inflate with too much force, blowing apart metal canisters and sending shards flying at drivers and passengers.

So far, more than 12 million vehicles worldwide with air bags made by Japanese parts supplier Takata Corp. have been recalled for the problem. But safety advocates says as many as 25 million vehicles may be equipped with the faulty air bags in the U.S. alone. There have been recalls in Japan, Europe, China and other areas.

Many of the U.S. recalls have been limited to high-humidity areas in the South, but the boundaries of recall zones vary by manufacturer. All of this has confused car owners and even government safety regulators who published incorrect and incomplete lists of recalled models.

Here are some questions and answers about the recalls:

Q: What is the problem here?

A: Chemicals that quickly inflate air bags during a crash are exploding with too much force in Takata air bags made from 2001 to 2011. This blows apart metal canisters around the air bags and sends fragments into passenger compartments.

Q: Has anyone been injured or killed?

Safety advocates say there have been four deaths and multiple injuries. The government has reports of three injuries and is investigating.

Q: How can I find out if my car is included?

A: Dozens of models made by BMW, Chrysler, Ford, General Motors, Mazda, Honda, Mitsubishi, Nissan, Subaru and Toyota dating to the 2001 model year are covered. You should have received a recall notice from your automaker. Also, you can go to www.safercar.gov and key in your vehicle identification number, which normally is printed on your registration and stamped on the dashboard. That will tell you if your car is being recalled. You can also call your dealer. Honda is a big Takata customer, and has recalled over 5 million vehicles in the U.S. alone.

Q: Why are so many cars involved?

A: Takata makes 22 percent of the world’s air bags, according to Valient Automotive Market Research.

Q: Why are some of the recalls just in areas with high humidity?

A: Investigators believe that prolonged exposure to moisture in the air makes the inflator chemicals burn too fast, creating too much pressure. They’re still doing tests of inflators replaced by dealers to figure out how much humidity is enough to cause the problem. Depending on the results, the recall areas could be expanded. So far the U.S. National Highway Traffic Safety Administration hasn’t found any problems outside of the following areas: Florida, Puerto Rico, limited areas near the Gulf of Mexico in Texas, Alabama, Mississippi, Georgia, and Louisiana, as well as Guam, Saipan, American Samoa, Virgin Islands and Hawaii.

Q: Why doesn’t the government just order a national recall?

A: Some lawmakers want one. But NHTSA says so far the problem has been found only in high-humidity areas. Plus, a national recall would divert a limited number of replacement parts from states where regulators say the need is most urgent.

Q: I live outside the recall areas, but the humidity is still high. Is my car safe?

A: This is still under investigation and has some car owners confused and worried. Investigators think they have found a concentration of defective inflators inside the recall zone. Generally the areas covered by the recalls have average annual dew points (the temperature at which moisture condenses out of the air) above 60 degrees. But there are still a lot of humid locations outside those areas. Government data show several Southern cities outside the recall zone with average dew points just a few degrees under 60. Dew points exceed 60 degrees during the summer in many northern cities such as New York and Boston. Scott Hildebrand, a heating and air conditioning contractor in Bluffton, South Carolina, believes that if Toyota is recalling Corollas in Florida, it should recall the two in his driveway near Hilton Head. “There’s not much difference in the humidity between here and there,” he says. “If somebody in my family got hurt by it, yes, that would be a big problem.” Hildebrand is trying to find out if his cars have Takata air bags.

Q: What’s next?

A: NHTSA investigators are working with Takata and automakers to test more air bags as cars come in for repairs. They’re also watching crash reports. But they’re not sure how long it will take to find the problem and set boundaries for the recalls.

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Dee-Ann Durbin in Detroit and Yuri Kageyama in Tokyo 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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