The main objective of this report is to learn about the state of knowledge regarding the role of financial literacy as a complex barrier to postsecondary attendance. To achieve this goal, the report contains a literature review of existing studies in the area, as well as an environmental scan of existing programs and initiatives.
When possible, the focus of the report is on low-income high school students in the context of making decisions regarding postsecondary education. In this ideal setting, financial literacy will be defined as knowledge of all the costs, benefits, and available aid associated with postsecondary education. In reality, there are few studies and existing programs that fit this ideal profile. However, we have identified several studies that share these characteristics to a large extent. Specifically, we describe and discuss 21 related studies and 34 related programs. Although most studies and programs are Canadian, we also broaden the scope somewhat to include countries with similar postsecondary systems as Canada (e.g. the United States, the United Kingdom, Australia, and New Zealand).
Our literature review focuses on Canadian and American evidence, and has uncovered several important findings. First, the cost of a postsecondary education is vastly overestimated by the public at large and by low-income youth in particular. In contrast, the economic benefits to attending university are generally underestimated (equally for low- and high-income households). Whether knowing about the costs and benefits matters for pursuing a postsecondary education is less clear given the lack of convincing evidence in this area.
While awareness of student financial aid is not necessarily an issue, it appears that knowledge of aid is limited. This may be related to the complexity of student financial aid, which is not only costly, but may also represent a barrier to some students.
A non-negligible portion of students are loan averse, which means that they will avoid grant opportunities when they are coupled with an optional student loan. This is the case even though the loans can be refused or invested at zero repayable interest.
Research also demonstrates that helping students complete their financial aid and postsecondary application forms has a large impact on application and admission rates. In contrast, offering information to students (without application assistance) is generally not sufficient to affect behaviour.
Finally, once in university, the majority of undergraduates follow a budget and regularly pay off their credit card balance each month. This suggests a certain degree of awareness and control regarding their finances, which may help them repay their loans on time and avoid defaulting.
The Higher Education Quality Council of Ontario (HEQCO)’s Third Annual Review and Research Plan provides a comprehensive evaluation of the postsecondary education (PSE) system in Ontario. In doing so, it contributes to a discussion on a new PSE strategy for the province following the completion of Reaching Higher: The McGuinty Government Plan for Postsecondary Education (Reaching Higher) initiated in 2005. This is a critical juncture in PSE; Reaching Higher ends this fiscal year, as do the current tuition framework and the Multi-Year Accountability Agreements (MYAAs) with postsecondary institutions. Successor strategies must address a new set of priorities and a new economic reality. Reaching Higher was generally well received by the PSE sector and by the public, and much progress has been made in realizing the stated objectives in the plan.
The Third Annual Review and Research Plan recommends that a new PSE strategy should build directly on Reaching Higher. To this end, it proposes a reformulation of PSE objectives to give emphasis to meeting human capital needs, improving accessibility
and educational quality, and stimulating research and innovation.
This paper examines the rise in student loan delinquency and default drawing on a unique set of administrative data on federal student borrowing, matched to earnings records from de-identified tax records. Most of the increase in default is associated with the rise in the number of borrowers at for-profit schools and, to a lesser extent, 2-year institutions and certain other non-selective institutions, whose students historically composed only a small share of borrowers. These non-traditional borrowers were drawn from lower income families, attended institutions with relatively weak educational outcomes, and experienced poor labor market outcomes after leaving school. In contrast, default rates among borrowers attending most 4-year public and non-profit private institutions and graduate borrowers—borrowers who represent the vast majority of the federal loan portfolio—have remained low, despite the severe recession and their relatively high loan balances. Their higher earnings, low rates of unemployment, and greater family resources appear to have enabled them to avoid adverse loan outcomes even during times of hardship. Decomposition analysis indicates that changes in characteristics of borrowers and the institutions they attended are associated with much of the doubling in default rates between 2000 and 2011. Changes in the type of schools attended, debt burdens, and labor market outcomes of non-traditional borrowers at for-profit and 2-year colleges explain the
largest share.
institutional context, a variety of priorities and issues will be identified by participants and a variety of solutions will be proposed and attempted. It is appropriate then that support for distributed leadership allows for a variety of situations rather than providing a single prescription.
This Resource Portfolio for the P.A.C.E.D Distributed Leadership Model provides support for a range of elements of distributed leadership through the provision of resources that will assist in actioning initiatives. These resources include templates for role identification, reflection, provision of feedback, presentations, posters and websites. The Resource Portfolio provides integrated examples of distributed leadership in action, based on experience in the RMIT Student Feedback and Leadership Project.
The examples reinforce the diversity possible when a single project is actioned through distributed leadership.
At Dalhousie we must accept responsibility for creating the conditions for everyone to flourish and to belong.
A culture of belonging requires ongoing commitment to greater inclusivity with focus on creating a welcoming home for Dalhousie’s diverse faculty, staff, students, and alumni alongside the broader community.
One of the important questions to consider in a review of policy for postsecondary education is what kind o f system do we need. To provide a reasonably complete answer to that question would require addressing many different dimensions of postsecondary education including structures, processes, and relationships. In this paper, I will concentrate on two important and closely related subsidiary questions within the broader question of what kind of system we need. Those subsidiary questions are what is the most appropriate mix of different types of postsecondary institutions, and what should be their relationships with one another?1 As those are pretty large questions, within them my principal focus will be even narrower, on the balance and relationship between universities and community colleges.
The iconic image of the Baby Boom generation is a 1960s-era snapshot of an exuberant, long-haired, rebellious young adult. That portrait wasn’t entirely accurate even then, but it’s hopelessly out of date now. This famously huge cohort of Americans finds itself in a funk as it approaches old age. On January 1, 2011, the oldest Baby Boomers will turn 65. Every day for the next 19 years, about 10,000 more will cross that threshold. By 2030, when all Baby Boomers will have turned 65, fully 18% of the nation’s population will be at least that age, according to Pew Research Center population projections. Today, just 13% of Americans are ages 65 and older.
Perched on the front stoop of old age, Baby Boomers are more downbeat than other age groups about the trajectory of their own lives and about the direction of the nation as a whole.
Some of this pessimism is related to life cycle – for most people, middle age is the most demanding and stressful time of life. 1 Some of the gloominess, however, appears to be particular to Boomers, who bounded onto the national stage in the 1960s with high hopes for remaking society, but who’ve spent most of their adulthood trailing other age cohorts in overall life satisfaction.
At the moment, the Baby Boomers are pretty glum. Fully 80% say they are dissatisfied with the way things are going in the country today, compared with 60% of those ages 18 to 29 (Millennials); 69% of those ages 30 to 45 (Generation Xers) and 76% of those 65 and older (the Silent and Greatest Generations), according to a Pew Research Center survey taken earlier this month.
The structure of education on reserve
Unlike in our provincial education systems, there are no minimum legislated education standards for on-reserve First Nations students. Canadian taxpay-ers are funding an education system in First Nations communities that has no legislated mandate for a core curriculum meeting provincial standards, no requirement that educators in First Nations schools have provincial certifi-cation, and no requirement for First Nations schools to award a recognized provincial diploma. This has resulted in “situations where First Nation youth graduate from education institutions on reserve but cannot demonstrate a recognizable diploma to a workplace or post secondary institution” (Canada, AANDC, 2014c). This system is clearly failing First Nations children.
When Emzhei Chen moved into residence at the University of Waterloo about 10 years ago, she found the experience nerve-wracking. Her parents supported her, but her dad was a machinist who had never gone to university and her mom hadn’t finished high school, so they were as unfamiliar with universities as she was. She saw a reference to “first generation” on the application form (a term that meant your parents hadn’t attended a postsecondary education institution or had done so abroad), but she doesn’t remember checking the box. “It didn’t seem to be a pressing characteristic,” she says. “I didn’t think it was important.”
For Canada to succeed, all Canadians must have the opportunity to develop and use their skills and knowledge to the fullest. So said the government of Prime Minister Paul Martin in the Speech from the Throne that opened the 37th Parliament of Canada in February 2004: “Investing in people will be Canada’s most important economic investment.”
Such an investment is critical. The new economy demands an increasingly educated and skilled workforce. To remain globally competitive, Canada needs to invest in raising the overall level of education and skills across the country. As well, Canada faces a shortage of skilled workers over the next 10 years, due to both retirement and the country’s low population
growth rate. To replace our aging workforce, Canada needs to look beyond traditional sources for future employees.
Executive Summary
The significance of literacy for postsecondary success has been demonstrated in numerous
research reports showing that attrition and underachievement are strongly linked to low levels of language proficiency (Jennings and Hunn, 2002; Perin, 2004). It has also been shown that Canadian adults with lower literacy levels have significantly lower employment rates and incomes, higher rates of unemployment, and are less likely to be engaged in their community than Canadian adults with higher literacy levels (Statistics Canada, 2005). On a national scale, literacy is a key factor in economic growth, productivity and innovation (Coulombe, Tremblay and Marchand, 2004).
Graduating over 71,000 students per year (MTCU, 2011), colleges play a central role in preparing Ontario adults with varying literacy levels for the labour force. A recent review of literacy-related practices at Ontario’s colleges demonstrated that there is currently a wide range and diversity of activities and models being used to address the language needs of students (Fisher and Hoth 2010). Without the appropriate supports, literacy and language challenges are barriers that prevent students from achieving success in their chosen program of study and subsequent career. All post-secondary institutions struggle with finding workable models to support these students, yet there has been little rigorous research evaluating the effectiveness of various remediation approaches (Levin and Calcagno 2008).
In fall of 2008, George Brown College piloted an innovative remedial approach in the Practical Nursing program that targets reading, writing, speaking and listening skills while integratingcontent from select core courses, termed the Communications Adjunct Model (CAM). The goal of this research project was to assess the impact of CAM on adult learners with diverse remedial
English language needs in order to provide important lessons for post-secondary institutions. To assess the program’s effectiveness, the academic performance of students placed in CAM was examined in relation to two comparison groups. The first comparison group consisted of students in the same cohort as the CAM group (2008/2009) who were not placed in CAM. The second comparison group included students from two academic years prior to the introduction of CAM (2005/2006 and 2006/2007) who fell below the entrance score cut-offs for selection into the adjunct program.
The analysis undertaken suggests that CAM did not have a strong effect on overall grade performance (GPA). While two out of the four evaluations of the effectiveness of the program showed that CAM had a positive effect on students’ GPA, the results were weak and did not prove to be reliable across comparison groups. It is important to remember, however, that the analysis assessed the impact of CAM solely on GPA performance. CAM has a number of additional objectives, such as general language skill development, that would require additional data collection and analysis to better determine the effectiveness of the program. Nonetheless, there are many important learnings that can be gleaned from the project based on George Brown
College’s experience of developing and administering CAM.
A body of research has emerged during the past three decades focusing on how students engage in the schooling process and the broader positive developmental outcomes as-sociated with high levels of engagement and lower involvement in high-risk behaviors. This chapter suggests that gratitude might offer a unique contribution for understand-ing how affective engagement and positive relationships could enhance student school bonding and thereby student social-emotional and academic outcomes.
In 2011, CASE founded the Center for Community College Advancement to provide training and resources to help community colleges build and sustain effective fundraising, alumni relations and communications and marketing programs. A goal for the center is to collect data on best practices in community colleges. This white paper summarizes the results of a groundbreaking survey on alumni relations programs at community colleges across the United States and Canada. The purpose of the survey was to help community college staff benchmark their experiences and programs in alumni relations with peers.
The following exercise will ask you 50 questions about your leadership style, and then give you an idea of your typical styles.
If you are still a student you might like to answer the questions as you would if you were a manager in an rganisation, rather than the way you would if, for example, you were president of a student society where the leadership style is more casual than that in most work environments.
This report compares eligibility for student financial aid by examining the amount of funds (both repayable and non-repayable) that a student would be eligible to receive in each province, based on their income group (low-, middle- and high-income). Provincial administration of part (or all) of financial aid has resulted in great variability in the type, quantity, and availability of resources offered to students. Individual provinces have demonstrated priorities such as debt reduction strategies, universal grants, and student independence from parental support, to name a few.
Key findings include that:
• The combination of federal, provincial and joint administered student financial aid programs are inherently complex, lack transparency, and thus, remain removed from public scrutiny and discussion.
• Appalling inequities exist in the amount of resources offered to students, based on their province of residence.
• Enormous differences in tuition between provinces are the greatest factor in determining the cost of education and therefore have a great impact on the amount of debt a student may accumulate.
• Provincial grant programs, whether needs-based or universal, are the largest contributor to debt reduction.
Ontario colleges, universities, secondary schools, the Ministry of Training, Colleges and Universities, the Ministry of Education, as well as service and technology providers from the public and the private sectors are investing significant funds, time and energy on technology in learning.
It may not always be clear how or even whether this investment will add sufficient value to our education system. There are skeptics as well as technology evangelists who rightfully draw attention to the decisions that are made, or not made, and seek explanation and justification.
At Contact North | Contact Nord, Ontario’s distance education & training network, we believe there is a critical need to articulate the fundamental guiding principles that drive our decisions and policymaking with respect to technology in learning.
We have a set of guiding principles, which has informed our planning and served our network well over the past number of years. Many of these principles, at least the ideas themselves, did not originate with us but were gleaned from a variety of sources. We did, however, synthesize these ideas into a coherent set of principles and provided our own explanations and clarifications.
It is most likely that all of our decisions as college, university, and secondary school administrators, instructors, policymakers and funders have already been implicitly driven by some or most of these principles. It is by identifying just what these principles might have been that we are
more likely to be consistent and on target.
The following is a summary of ten principles that have had merit for us at
Contact North | Contact Nord over the years, and may have merit for others.
Abstract
A growing number of education and social science researchers design and conduct online research. In this review, the Internet Research Ethics (IRE) policy gap in Canada is identified along with the range of stakeholders and groups that either have a role or have attempted to play a role in forming better ethics policy. Ethical issues that current policy and guidelines fail to address
are interrogated and discussed. Complexities around applying the human subject model to internet research are explored, such as issues of privacy, anonymity, and informed consent. The authors call for immediate action on the Canadian ethics policy gap and urge the research community to consider the situational, contextual, and temporal aspects of IRE in the development
of flexible and responsive policies that address the complexity and diversity of internet research spaces.
RÉSUMÉ
Un nombre croissant de recherchistes en enseignement et en sciences sociales conçoivent et dirigent des recherches en ligne. La présente revue identifie les lacunes en matière de politique d’éthique en recherche Internet (Internet Research Ethics - IRE) au Canada, et reconnaît l’éventail d’intervenants et de groupes qui ont soit joué un rôle, soit tenté d’en jouer un, dans la
création d’une meilleure politique d’éthique. On y aborde les enjeux éthiques auxquels les politiques et lignes directrices actuelles ne répondent pas et on s’interroge à ce sujet. On y explore les complexités relatives à l’application du
modèle humain à la recherche dans Internet, comme les enjeux portant sur l’anonymat, le consentement éclairé et le respect de la vie privée. Les auteurs invitent à passer immédiatement à l’action en ce qui a trait aux lacunes en matière de politique d’éthique au Canada, et pressent le milieu de la recherche afin qu’il prenne en considération les aspects situationnels,
contextuels et temporels de l’éthique en recherche Internet dans la création de politiques souples et judicieuses qui abordent la complexité et la diversité des espaces de recherche Internet.
In an effort to improve writing skills, the Writing Centre at Wilfrid Laurier University developed a series of free online resources and tools for students. However, a recent study by the Higher Education Quality Council of Ontario (HEQCO) found that even when integrated into the classroom experience, only a small number of students actually used the tool as they felt it was not relevant to them, and those who did saw no impact on their grades. The authors feel further research is needed into how to best
integrate the service into the classroom, including potentially assigning grades for its use.
Project Description
Wilfrid Laurier University’s online assignment planner (AP) gives students access to timelines, resources and advice for information gathering, citations and effective writing. Writing Instruction Using an Online Assignment Planner examined students in four large first-year classes and one fourth-year seminar class. Students from the large first-year programs were randomly assigned to either a group with explicit integration of the AP into classroom activities, or a control group with no integration. The study tracked the number of times students accessed the AP, writing marks, conducted in-class surveys and professor interviews.
Many higher education institutions use student satisfaction surveys given at the end of a course to measure course and instructor quality. But is that really a true measure of quality? All things being equal, an instructor who teaches a rigorous course will likely score much lower than an instructor whose course is a little less demanding. Then there’s the whole timing of the satisfaction surveys. For the most part, students are simply glad the course is over (even if they liked it) and put little thought or time into completing the survey. Unless of course they know they failed, in which case you will get a detailed assessment of how you are boring, inflexible, out of touch, or otherwise unfit to teach.
No wonder surveys get such a bad rap. If end-of-course evaluations are the only surveys you use, there’s a lot more you can, and should, be doing. Done correctly, surveys can deliver tremendous insight into what’s working, what’s not, and why. This special report features 10articles from Online Classroom, including a three-part and a five-part series that provides stepby-
step guidance on how to use surveys and evaluations to improve online courses, programs, and instruction. You’ll learn when to use surveys, how to design effective survey questions, why it’s important to ensure anonymity, and the advantages and disadvantages of Web-based surveys.
Articles in Online Course Quality Assurance: Using Evaluations and Surveys to Improve Online Teaching and Learning include:
• Online Teaching Fundamentals: What to Evaluate, parts 1-3
• Course and Instructor Evaluation: If It’s So Good, Why Does It Feel So Bad?
• Getting Evaluation Data through Surveys: What to Consider before Getting Started
• Using Surveys to Improve Courses, Programs, and Instruction, parts 1-5
If you’re dedicated to continuous improvement, this special report is loaded with practical advice that will help you create more effective surveys before, during, and after your course ends.
Despite Canada having one of the world’s best-educated populations, numerous rationales have been presented to support the continued expansion and broadening of participation in post-secondary education (PSE). Not only do recent federal and provincial occupational projections suggest that future jobs will overwhelmingly require candidates with some form of PSE, the evidence on earnings premiums and private rates of return to PSE provide some indications that the labour market can still absorb large quantities of PSE graduates. Provinces have made higher PSE attainment a priority — for example, in the most recent Ontario budget, the government set as one of its goals to increase the PSE attainment rate from 62 per cent to
70 per cent (Ontario Ministry of Finance, 2010).
Yet, demographic trends suggest that maintaining, let alone increasing, the number of postsecondary graduates in coming years will prove challenging. Though there are currently supplyside constraints in some regions (principally urban Ontario), within 20 years, the pool of postsecondary- aged Canadians will be substantially shallower than it is today. To keep the supply of skilled workers at current levels, participation rates will have to keep climbing. As participation rates are already quite high among economically advantaged segments of the population, there is growing consensus that the best opportunity for growth in participation rates may be among groups that are currently under-represented in PSE, such as students from low-income families, students with no history of post-secondary education in their families and Aboriginal students. A strong case can be made as well that governments and PSE institutions should strive to close the gap in participation rates between under-represented groups and the rest of the population on the grounds that all Canadians should be provided with the same chances and opportunities to engage in PSE studies, independently of their socio-economic background. In short, increasing the participation rates of disadvantaged populations is an objective worth pursuing from both an efficiency and equity perspective.