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.
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.
The time for meaningful transformation in Ontario’s postsecondary system is now. To meet the needs of the emerging economy, reform must focus on innovation and applied learning that vaults our province ahead of its competition in creating the best-educated, best-prepared workforce in the world. Composed of distinct but equally valued and complementary partners, Ontario’s transformed postsecondary system will ensure that all students can reach their full potential through a broad array of theoretical and applied learning opportunities. Colleges will continue to be student focused, specializing in applied learning that leads to good jobs for graduates, addresses labour market needs and affords access to the broadest possible population. Colleges and universities will offer a range of credentials within their systems and collaborate on a multitude of programs that offer students the best of both. Expanded pathways will give students the opportunity to customize their post-secondary experience to match their interests. Online and blended learning, married to leading-edge technology, will enable students to learn anywhere, anytime, and in ways best suited to their learning styles. Students will be better prepared than ever before to meet the demands of the economy, and they will achieve their goals faster and at less cost.
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.
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.
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 primary objectives of this paper were to determine whether there are significant gaps in Ontario’s postsecondary education system with respect to education and research activities, with particular attention to activities connoted by the term “polytechnic”, and if so, to consider how to address such gaps. In response to the first part of our task, we identified three major gaps in Ontario’s postsecondary education system: a free standing, degree-granting, primarily teaching-oriented institution that concentrates on undergraduate education; an open university that would expand accessibility and enable Learners to combine credits from different institutions and different types of learning experiences; and effective pathways for students who start their postsecondary education in a college to attain a baccalaureate degree and be able, if they are so
inclined, to continue on to graduate study.
We did not find compelling evidence that there is a shortage of opportunity for polytechnic education in
Ontario. Presently students are able to draw upon Ryerson University and the University of Ontario Institute of
Technology (UOIT), a modest but growing number of joint university-college programs, and baccalaureate and diploma programs of the colleges. In addition, many students create a polytechnic experience for themselves through transfer from a university to a college or from a college to a university, though more needs to be done to improve opportunities of the latter type.
Also, we think that there are some other good reasons for not designating some colleges as polytechnic institutions. The term polytechnic is fraught with ambiguity, and thus adding a new sector of postsecondary institutions with that name could be more confusing than helpful for prospective students. The institutions in British Columbia and Alberta that use the term polytechnic, either formally or informally, have since their founding been formally differentiated from other college sector institutions in their province and have a history of specialization in technology-based programming. No college sector institutions in Ontario have had a differentiated role like the institutes of technology in British Columbia and Alberta. We are aware also that five
colleges in Ontario have been seeking the polytechnic designation. In regard to both labour market needs and practices in other North American jurisdictions, it is hard to see a justification for adding that many polytechnic institutions to the provincial postsecondary education system, especially when four of them would be in the Greater Toronto Area (GTA). We appreciate that many colleges across Canada, including in Ontario, have made valuable contributions to industry through their applied research activities. Our impression is that the expertise and interaction with industry that fosters these contributions is largely situational and contextual related to the existence of particular faculty in particular programs and institutions.
Accordingly, we do not believe that designating some colleges as polytechnics is necessary to maintain or enhance the capability of the college sector to make such contributions.
While we do not believe that there are compelling arguments for designating some colleges as polytechnics, we are mindful of the contribution that could be made by enabling at least a few colleges to have a more substantial and broader role in offering baccalaureate programs if they are able to demonstrate that they meet the conditions required for such activity. Based upon our examination of the issues outlined above, we review a number of possible policy options to address the predicted demand for increased access to university degree programs in the GTA including: 1)
creating satellite campuses of existing universities; 2) creating new universities that are of the same type as existing universities; 3) creating new universities of a new type focusing on undergraduate study and with a limited role in research; 4) providing selected colleges with a new substantial role in baccalaureate programming; 5) providing colleges with a greater role in transfer programs in basic university subjects, such as arts and science; and 6) creating an open university. We review each of these options and discuss factors that should be considered by government.
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 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.
What is Student Development Theory?
Student development is the way that a student grows, progresses, or increases his or her developmental capabilities as a result of enrollment in an institution of higher education. There are three types of development:
• Change is an altered state, which may be positive or negative and progressive or regressive.
y Growth is an expansion, but may be positive or negative to overall functioning.
i Development is positive growth.
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.
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.
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.”
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.
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.
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.
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.
Colleges and institutes contribute to the research and innovation cycle in Canada through applied research. More specifically, they directly contribute to applied research through enhanced research infrastructure, involvement of faculty and students, and
the creation of partnerships with the business, industry and social innovation sectors. Colleges and institutes receive the
majority of their funding from the Government of Canada.
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.
Abstract
Increasingly, students are seeking transfer from college to university educational programs. This challenges universities to assess the effectiveness of transfer policies and also challenges colleges to prepare students for continued education. This paper reviews the various transfer procedures used by Canadian universities, barriers experienced by students seeking
transfer, and strategies for improving the transfer process. The authors propose the use of learning outcomes, which identify student knowledge and skills following an educational experience, to develop block transfer strategies that ease student transfer between educational programs.
Résumé
Les étudiants cherchent de plus en plus à transférer leurs projets d’études collégiales vers un programme universitaire. Les universités doivent donc relever le défi d’évaluer l’efficacité de leurs politiques de transfert, tandis que les collèges doivent réfléchir sur la façon de mieux préparer leurs étudiants aux programmes de formation continue. Le présent article passe en revue les diverses procédures utilisées par les universités canadiennes,
les obstacles que doivent surmonter les étudiants cherchant à effectuer un transfert et les stratégies d’amélioration du processus de transfert. Les auteurs proposent l’utilisation de résultats d’apprentissage, qui identifient
les connaissances et les compétences acquises par les étudiants d’un programme donné, afin d’élaborer des stratégies générales qui faciliteront le transfert d’étudiants entre programmes éducatifs.