Wednesday, March 30, 2022

A College Degree Without All the Debt

 

Laurence J. Kotlikoff, a Harvard-trained economist currently teaching at Boston University, recently suggested that borrowing money for college is a waste of money. Kotlikof recites the downsides of incurring massive debt to finance a college degree (you have to pay it back, with interest) and cites some statistics about the average amounts of debt college students graduate with (an average of $33,000 debt upon graduation, with over 15% owing more than $50,000).

 

But, to me the far more interesting part of Kotlikoff’s article is his review of creative options to obtain a value-laden college degree with little or no debt.

·      Find a cheap college.

·      Go to community college for three years (cheap), and finish your last year at a better (more expensive) school.

·      Work for a few years before starting college, then apply for grants and scholarships on your own financial situation (presumably less income than your parents’ situation).

·      Attend community college, while also attending inexpensive online certificate programs. That doesn’t get you a college degree from the elite institutions, but it certainly gets you good credentials for the job search. Harvard, MIT, Stanford and many others offer these kinds of certificate programs.

Tuesday, March 15, 2022

Affordable Connectivity Program Replaces Emergency Broadband Benefit effective 3/1/22

 

Our May 19, 2021, blog post outlined the parameters of the Emergency Broadband Benefit, then available to US residents who met certain low income qualifications. As of March 1, 2022, that benefit is transitioning to the Affordable Connectivity Program.

 

The Affordable Connectivity Program, also administered by the Federal Communications Commission (FCC), is funded at $14 billion to institutionalize essentially the same function as the Emergency Broadband Benefit: “help ensure we can afford the connections we need for work, school, health care and more for a long time.”

 

The new Affordable Connectivity Program will provide the following benefits:

·      Maximum monthly benefit of $30 toward internet access for qualifying households not on tribal lands. (This is a reduction from the $50/month emergency benefit.)

·      Maximum monthly benefit of $75 toward internet access for households living on qualified tribal lands. (No change from the emergency benefit.)

·      Up to $100 to purchase a laptop, desktop computer or table for eligible households (you need to contribute $10-50 toward the purchase price). (No change from the emergency benefit.)

·      Only one monthly benefit and one device purchase benefit per household. (No change from the emergency benefit.)

·      To qualify for the new benefit, a household needs to meet one of these criteria: 

o   Income less than or equal to 200% of Federal Poverty Guidelines. (This is a change from the 135% limit under the emergency benefit.)

o   Participates in certain federal assistance programs (SNAP, Medicaid, Federal Public Housing Assistance, SSI, Lifeline, WIC). (Several programs were added under the new program.)

o   Participates in Tribal-specific programs, such as Bureau of Indian Affairs General Assistance, Tribal TANF, or Food Distribution Program on Indian Reservations.

o   Participates in the National School Lunch Program or the School Breakfast Program, including through the USDA Community Eligibility Provision.

o   Received a federal Pell grant during current award year.

o   Meets eligibility requirements for participating in a broadband provider’s existing low-income internet program.

 

If a household was fully enrolled in the Emergency Broadband Benefit as of December 31, 2021, they should have continued to receive their monthly benefits under that program until March 1, 2022. They should also automatically start receiving benefits under the new Affordable Connectivity Program. Households that qualified for emergency benefits because they experienced substantial loss of income due to job loss or furlough since Feb 29, 2020, and total 2020 income was below $99,000 for single filers or $198,000 for joint filers will have to reapply for benefits under the new program and qualify on some other basis.

 

There are two steps for new participants to enroll in the Affordable Connectivity Program:

o   Fill out and submit the application found at the program’s website.

o   Contact your preferred internet provider to select a plan and have the benefit applied to your bill.

 

 

 

Monday, February 28, 2022

2022 Rankings of US Online Degree Programs Revealed

 

US News & World Report issues rankings of various higher education institutions on an annual basis.  The 2022 rankings for online degree programs in the United States were recently released.

 

US News develops its rankings for online degree programs based on the following methodology:

·      35%: engagement (effective interaction between faculty and students, and between students)

·      25%: services and technology (diverse technologies to empower students to study remotely)

·      20%: faculty credentials and training (including training to teach distance learners)

·      20%: expert opinions derived from surveys of other online degree programs

The methodology is fine-tuned by type of online degree program (see below for the categories).

 

And the #1 winners are …:

·      Bachelor’s Programs (a tie)

o   Embry-Riddle Aeronautical University-Worldwide

o   University of Florida

·      MBA Programs (a tie)

o   Indiana University – Bloomington (Kelley)

o   University of North Carolina – Chapel Hill

o   University of Southern California (Marshall)

·      Graduate Business Programs (tie)

o   Indiana University – Bloomington (Kelley)

o   University of Southern California (Marshall)

·      Graduate Criminal Justice Programs

o   University of California – Irvine

·      Graduate Education Programs

o   Clemson University (Moore)

·      Graduate Engineering Programs

o   Columbia University (Fu Foundation)

·      Graduate Computer Informaton Technology Programs

o   Columbia University

·      Graduate Nursing Programs (a tie)

o   Ohio State University

o   University of Pittsburgh

o   University of South Carolina

Wednesday, February 16, 2022

Being a Lifelong Learner is the Secret to Success … (from Business Insider) ONLINE!

 Being a lifelong learner is the secret to success, according to executive business coach Sue Hawkes, who is also the founder and CEO of YESS.  In her book,

"Chasing Perfection: Shatter The Illusion; Minimize Self-Doubt and Maximize Success."

She says that successful leaders are always trying to learn and open to learning in new ways. That means they're coachable and willing to throw out what they know and assume. Learning is different from knowledge - it's behavior in action.  Learn more:

https://www.sayyess.com/chasing-perfection-book/

And the best feature:

All of this learning can be done online.  Enjoy!

Monday, January 31, 2022

Some College and Graduate Entrance Exams Going Online

 

Taking the SAT college entrance exam is an anxiety-producing process under any circumstances. Pre-Covid, you prepared by taking a study course (maybe) and some practice exams (hopefully). Then you sharpened a lot of pencils and put your calculator in a drawer. You (or a parent) drove you (and your pencils, no calculator) to the testing center, where you sat for three hours taking the exam. Then you waited weeks to get your results.

 

Starting in 2023 (for international students) and 2024 (for US students), that’s all going to change. First, ditch the pencils and bring the calculator. It is unclear to me whether you’ll have to go to a test center to take the digital SAT or whether you’ll be able to take it at home using your own computer (meaning your driver can make other plans). Finally, you (the test-taker) will be taking a two-hour exam. And the results will be available to you in a matter of days. The SAT is going online permanently. Despite shortening the exam by one hour, test developers say that students will have more time to answer each question. And the questions have been reworked to be more relevant to a cross-section of diverse students.

 

One big question about the change in testing protocol is whether it encourages or enables cheating. The developers of the online SAT assert the exact opposite. “With the current paper and pencil SAT, if one test form is compromised it can mean canceling administrations or canceling scores for a whole group of students,” reads the press release. “Going digital allows every student to receive a unique test form, so it will be practically impossible to share answers.”

 

So, are other entrance exams going online as well?  During Covid, yes and no. 

·      The ACT (an alternative college entrance exam) is taken online, but you need to go to a test center on a date certain to take it. The next test date is April 2, 2022.

·      The LSAT (entrance exam for law school) has two parts: the multiple choice portion is currently administered in an online, live remote-proctored format; the essay portion is administered online using secure proctoring software on the candidate’s own computer. The LSAT is administered in a test facility on a date certain. The next test date is March 11, 2022.

·      A student can opt to take the GRE (entrance exam for business schools and some other masters level programs) online anywhere, rather than at a test center. The online test is available 24/7, and is monitored by a human proctor online through ProctorU.

·      The MCAT (entrance exam for medical school) continues to be offered in-person only. The MCAT is offered at designated test centers generally twice a month.

 

Guess we’ll see whether the practice of offering some entrance exams online expands to continue post-Covid.

 

Friday, January 14, 2022

Telemedicine has become part of traditional medical practice

 

I’ve been thinking a lot about (and experiencing) telemedicine recently, and then learned that one pioneer of telemedicine recently died.  In 1986, Dr. Ronald Weinstein, then located in Washington DC,  viewed a breast tissue sample that was in a microscope located in El Paso TX. Through his long-distance examination, he was able to conclude that the woman, also located in El Paso, had breast cancer that was spreading. Using an early version of the internet, Dr. Weinstein was able to remotely operate the microscope and view the enlarged images of tumorous cells. This process was from then on referred to as “telepathology”.

 

Telepathology has blossomed since then, with many pathologists working from home long before Covid encouraged many sectors to move to remote work. Telemedicine, a term I will use to refer to a patient and medical provider interacting without an in-person visit, has also come to be used widely long before Covid. In rural areas, especially, doctors and physicians assistants and nurse practitioners have long been handling many routine medical matters via telephone and video chats. One example is the Arizona Telemedicine Program that Dr. Ronald Weinstein founded and directed for 25 years.

 

Fast forward to March 2020 and the onset of the Covid pandemic. Telemedicine (sometimes referred to as “telehealth”) became a necessity in all communities to insure the safety of all involved. According to a recent survey, 90% of the health care providers in my medical network (University of Utah Health) provide some form of telemedicine services since Covid, compared to only 10% who did so prior to Covid. The professors conducting the survey also predict that the possibilities for telemedicine will only increase, as more wearable medical devices (think taking your EKG using your smartphone or watch) and self-testing protocols (think Covid home tests) are developed and come to market.

 

As of now, Medicare and other insurance companies provide coverage for telemedicine. This article suggests that improvements to insurance coverage are possible, but in general, lack of insurance coverage is not a current barrier to telemedicine use.

 

So, is telemedicine part of the medical school curriculum? I’m sure the technical aspects of the practice are. Pathologists undoubtedly learn about telepathology (remote reading of test results) in school. Some nurse training programs are including courses on the unique communication skills needed to have successful telehealth sessions.

 

But we also need fine minds focused on expanding the possibilities for the use of telemedicine. The University of Utah piloted such a course last semester, and plans to offer it annually as a full semester course and as a summer three-day intensive. It is a multi-disciplinary approach that covers the legal, ethical, service delivery and financial aspects of telehealth services. Students in the course are encouraged to think creatively about how the use of telemedicine can be expanded and further supported. Not surprisingly, this course is taught through IVC (interactive video classes).

 

All to say that telemedicine is here to stay. As with other virtual processes (think zoom meetings), the Covid pandemic has created the opportunity for expansion of telemedicine practices, and forced medical practitioners and patients alike to become comfortable with its use.

Thursday, December 30, 2021

Happy New Year 2022!

 

I’m taking a little break from researching and writing blog posts to celebrate the December holidays and the New Year. Hope you have been doing the same (enjoying quality time with family and friends).

 

Here’s a few highlights from 2021 if you’re looking for something to read:

·      Top 100 E-Learning Blogs and Websites (Dec 2021)

·      The 50 Best Education Blogs (Oct 2021)

·      25+ Best Free Online Education Sites (Dec 2021)

·      The 10 Best Educational Websites for Taking Online Courses in 2022 (Dec 2021)

·      Best Online Courses and Online Class Sites of 2021 (Sept 2021)

 

I’d love to hear what online education topics you, our readers, are interested in learning more about.  Email me your suggestions here, and we’ll see what we can do.

 

Happy New Year!