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.”
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.
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.
ABSTRACT
As Canadian universities seek to attract more international students, there is a need to recognize and respond to the diversity within this group and to question the binary categories of domestic students and international students.
Relying primarily on 116 qualitative interviews with international undergraduates at the University of British Columbia, we utilize American students as a case study from which to explore the complex and blurred boundaries between these two categories. Americans resemble domestic students in some respects and international students in others, yet they are often less prepared to meet adaptational challenges because they have low expectations of cultural and institutional differences. We compare the experiences of Americans and international students from other countries, as well as other groups of students who fall between the cracks of the domestic and international student classifications. We argue that, by targeting services on the basis of these broad administrative categories, categories that were created for financial purposes, the university reduces the take-up of the very services students need.
RÉSUMÉ
À une époque où les universités canadiennes cherchent à attirer de plus en plus d’étudiants internationaux, il est nécessaire de reconnaître la diversité de ce groupe et d’agir en fonction de celle-ci. Cela demande de s’interroger sur la division binaire des étudiants entre les catégories « canadien » et « international ». En nous appuyant sur 116 entrevues qualitatives avec des étudiants internationaux en études de premier cycle à l’Université de la
Colombie-Britannique, nous entreprenons une étude de cas des étudiants américains, afin d’explorer la complexité et l’imprécision des frontières entre ces deux catégories. Sur certains points, le profil des étudiants américains est semblable à celui des étudiants canadiens, mais sur d’autres, il s’apparente plutôt à celui des étudiants internationaux. Pourtant, ces étudiants américains sont souvent moins prêts à faire face à des difficultés d’adaptation, car ils ne s’attendent pas à être confrontés à des différences culturelles et institutionnelles. Nous comparons les expériences des étudiants américains avec celles d’étudiants internationaux provenant d’autres pays, ainsi qu’avec celles d’autres groupes d’étudiants dont la situation ne correspond pas aux classifications « canadien » ou « international ». Nous soutenons que, quand les services d’aide ciblent les étudiants sur la base de vastes catégories administratives conçues pour des raisons financières, l’université contribue à limiter l’utilisation des services dont les étudiants ont précisément besoin.
Abstract
David Mamet’s play Oleanna may be infamous for reasons that do not do justice to the play’s real accomplishments. One reason for the controversy is the author’s apparent focus on sexual harassment. The play is not about sexual harassment. It is about power. And in particular the power of language to shape relationships within social environments such as universities. First
published and performed in 1992 - at a time when many were outraged by the Clarence Thomas - Anita Hill debate - the playwright himself was compelled to deny his play was about sexual aggravation. Mamet’s Oleanna serves to instruct
us about the power dynamics within one of our most vital institutions.
The aim of this article is to take a dedicated look at this dramatic spectacle to see if we cannot uncover something about leadership and the mechanics of power and communication in higher education that is intellectually riveting,
as well as socially constructive.
Résumé
La réputation d’Oleanna, pièce de David Mamet, ne rend pas justice aux accomplissements réels de l’oeuvre. C’est qu’elle a suscité la controverse en traitant du harcèlement sexuel, du moins si l’on en croit tout ce qui a été écrit à son sujet. Erreur, puisque le thème est celui du pouvoir, en particulier du pouvoir du langage dans les relations au sein de nos grandes institutions
sociales, comme les collèges et les universités. Après la présentation initiale en 1992 (pendant le scandale entourant l’affaire Clarence Thomas-Anita Hill),
l’auteur a nié avoir écrit sur le harcèlement sexuel. Reposant sur le jeu de deux CJHE / RCES Volume 44, No. 1, 2014
Power play / P. Chiaramonte 39 acteurs, la pièce en trois actes ratisse plus large. Elle révèle la dynamique du pouvoir dans l’enseignement supérieur, un fleuron institutionnel. Notre analyse porte sur le regard stimulant et constructif que pose Mamet sur ce milieu : ses instances dirigeantes, son évolution, sa mécanique du pouvoir et ses communications.
While conditions vary across First Nations, Inuit, and Métis communities, as well as urban and rural contexts, the well-being gap between Aboriginal and non-Aboriginal populations is significant across most of the country. Population aging and emerging labour shortages in Canada present an opportunity for Aboriginal youth, as the fastest growing demographic, to make a significant contribution to the country’s long-term prosperity. As the Aboriginal population is projected to rise above 1.5 million by 2026, there is an urgency to act now to enable, support, and empower Aboriginal youth to achieve their potential and participate fully in Canada’s social and economic future.
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.
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.
The development of outcomes-based educational (OBE) practices represents one important way in which a
learning outcomes approach to teaching and learning can be applied in the postsecondary sector.
This study adopts a multiple case study design and profiles seven OBE initiatives being implemented in Ontario’s colleges and universities to better understand the scope of outcomes-based educational practices in the province’s postsecondary sector. ‘OBE initiatives’ are defined as purposeful actions undertaken by postsecondary providers directed at defining, teaching toward and assessing learning outcomes in their educational practice (modified from Jones, Voorhees & Paulson, 2002).
Each year, Universum runs the largest global survey on millennial career preferences. In each of our 30+ survey markets,
we partner with top universities to survey the most desirable future talent and find out who they want to work for and
why. The more votes a company receives, the higher they rank on the Ideal Employer list.
The 2014 Canadian student survey was conducted online, between mid-October 2013 and late-February 2014, under
Universum’s student brand, Wetfeet. The results in this report reflect the aggregated perceptions of nearly 30,000
undergraduate students from 107 universities and colleges.*
Effective Practices to Enhance the Educational Quality of Structured Work Experiences Offered through Colleges and Universities
Leadership Annotated Bibliography
A May 2011 Pew Internet survey finds that 92% of online adults use search engines to find information on the Web, including 59% who do so on a typical day. This places search at the top of the list of most popular online activities among U.S. adults. But it is not alone at the top. Among online adults, 92% use email, with 61% using it on an average day.
Since the Pew Internet Project began measuring adults' online activities in the last decade, these two behaviors have consistently ranked as the most popular. Even as early as 2002, more than eight in ten online adults were using search engines, and more than nine in ten online adults were emailing.
In the past, the term “persistence†was used somewhat interchangeably with “retention†to describe the fact of students remaining in a course of studies from one year to the next, typically at a single institution and sometimes within a particular program. Over the last few years, however, persistence has shifted in meaning to refer to the ability of students to continue their PSE studies and ultimately graduate, regardless of switches between programs or institutions or even temporary absences from PSE altogether. There is a growing recognition in Ontario and across Canada that this system-wide perspective on persistence will help government and institutions manage a highly functional, well-integrated PSE system, one in which students can avail themselves of numerous alternative educational opportunities and pathways to success.
It would be a mistake, however, to assume that these system-wide concerns are the primary arena in which PSE outcomes ought to be managed. Indeed, the concept of persistence as a process whereby students overcome obstacles is of note only in the context of the presence of initial decisions to leave and not return to a particular institution. The central aim of any university ought to be to improve its own retention of students. Indeed, a sustained focus on improving in situ retention outcomes is a vital component of an overall strategy for achieving high system-wide persistence rates. It is in the best interests of government and universities to develop the means by which retention practice efficacy can be reliably assessed, compared amongst institutions and used within institutions to actively improve retention rates.
Unfortunately, two common approaches used to calculate retention rates – the raw rate approach and the natural rate approach – are seriously flawed and cannot be recommended for use by Ontario PSE institutions as tools for managing retention practices.
The raw rate approach is transparently inadequate. The crux of the problem with raw rates is that they are essentially outcome measures unadjusted for variation in inputs. An institution that is in a position to admit students who are highly prepared academically, financially and culturally for university life at that particular institution can expect to be rewarded with relatively high outcome rates, and this without having to innovate or invest much in retention practices. Evaluating retention practice efficacy on the basis of raw rates favours institutions that are able to offload potential retention risks during the admissions process.
Another common approach used to calculate retention rates is to calculate the differences between raw rates and “expected†or “natural†rates and then to base evaluations and comparisons on these differences. Natural institutional rates are averages of the estimated probabilities of an event occurring (e.g., being retained after one year, graduating within four years) for each member of a cohort of students at an institution. One key feature of the statistical models upon which the probability estimates are based is the fact that they are system-wide models, pooling data across all institutions in the study and delivering a single set of model coefficients that is applied to all institutions. Another key feature is the fact that probability estimates are based on predictor variables that usually include only pre-entry characteristics of students and sometimes include environmental characteristics such as institution size, the field of study and whether the school primarily serves urban commuters. An institution with a raw rate that exceeds its natural rate is deemed to be performing well at
2 –Shifting from Retention Rates to Retention Risk: An Alternative Approach for Managing Institutional Student Retention Performance retaining students, whereas an institution with a raw rate that is lower than its natural rate is evaluated as performing poorly. This approach has been implemented in the United States but not in Canada.
Three interpretation problems are ingrained in the natural rate approach that impede its meaningful application: normative interpretations given to natural rates are unwarranted; attributions of causation – to students in the case of natural rates and to institutions in the case of differences between natural and raw rates – are also unwarranted and potentially misleading; and a single set of system-wide coefficients is not likely to provide useful characterizations of the realities in play at individual institutions. A large and growing body of research embeds retention processes within the local context of individual institutions and indeed individual students. As research findings accumulate, there is a deeper and growing appreciation of the fact that the PSE system is not homogeneous in terms of the magnitude or direction of relationships between factors influencing retention event occurrence and the actual occurrence of those events. Rather, processes generating retention events operate locally and with considerable variation in form and intensity amongst locales, so system-wide characterizations do not give meaningful summaries of local conditions. The natural rate approach looks like a more sophisticated, finely tuned analysis, but its looks are deceiving.
An alternative to the raw and natural rate approaches is to move away from retrospective analyses of retention rates in favour of prospective analyses of retention risks. According to this approach, institutions use historical data to develop statistical models of retention risk at the individual student level. These models are then employed to estimate for each student in a currently enrolled cohort the “risk†(expressed as a probability) of continuing with their studies beyond a certain length of time.
Think back to your first few years of teaching. If you’re like most educators, you probably made your share of mistakes. To be sure, we all do things differently now than we did when we were first starting out. Thank goodness for that!
When Faculty Focus put out a call for articles for this special report on teaching mistakes, we really didn’t know what to expect. Would faculty be willing to share their earlier missteps for all to see? Would the articles all talk about the same common mistakes, or would the range of mistakes discussed truly reflect the complexities of teaching today? We were delighted at the response, not only in terms of the number of instructors willing to share their stories with our readers, but by the variety of mistakes in the reflective essays. For example, in “You Like Me, You Really Like Me. When Kindness Becomes a Weakness,” Jolene Cunningham writes of her discovery that doing everything you can for your students is not always the best policy.
In “If I Tell Them, They Will Learn,” Nancy Doiron-Maillet writes about her realization that it’s not enough to provide information to students if they don’t have opportunities to then apply what you are trying to teach them.
Other articles in Teaching Mistakes from the College Classroom include:
• When Expectations Collide
• Things My First Unhappy Student Taught Me
• Understanding My Role as Facilitator
• Don’t Assume a Student’s Previous Knowledge
• What Works in One Culture May Not Work in Another
We thank all the authors who shared their stories and know that the lessons learned will help prevent others from making these same mistakes.
In 2003 Ontario’s schools were in a troubled state. The achievement of students was ‘good’ but flat lined — stagnant results year after year. Morale of teachers was low; the schools as a whole could be characterized as ‘loosely-coupled’ and without focus. The system was downtrodden.
Now in early 2013, the overall performance of the almost 5,000 schools in the province has dramatically improved on most key measures, and continues to improve. According to international measures and independent expert assessment, Ontario is recognized as and is proven to be the best school system in the English-speaking world — and right up at the top with Finland, Singapore and South Korea.
Abstract: This article describes the consequences for workplace e-learning of viewing organisations as political systems. Organisations tend to stratify, and potential conflicts develop between “top-down†or designer-generation of workplace systems, and “bottom-up†or learner- and practice-based approaches. The differences in the objectives, procedures, tacit knowledge and conceptions of the value of workplace e-learning between these orientations have led to conflicts that have damaged real e-learning projects in the past. Some cases from the literature are analysed to support this point. However, other examples show how these tensions may also be turned into opportunities for communication, learning and collaborative design by including a measure of operational proximity and organisational citizenship behaviour in workplace e-learning design. It is suggested that through initiatives like these, designer-generation and learner-generation of context may act as complementary checks or balances, each helping compensate for the deficits of the other, thus improving workplace e-learning effectiveness.
Keywords: workplace e-learning; professional development; learner-generated contexts; communities of practice (CoPs); conflict; co-ordination
The Canadian Trans Youth Health Survey was a national on-line survey conducted by researchers from several Canadian universities and community organizations. The survey had 923 trans youth participants from all 10 provinces and one of the territories. The survey included somewhat differ- ent questions for younger (14-18 years) and older (19-25
years) trans youth about a wide range of life experiences and behaviours that influence young people’s health. This national report is a first snapshot of survey results.
Students from a number of groups remain underrepresented in Ontario’s universities and colleges, including low-income students, Aboriginal students, first generation students whose parents did not attend a post-secondary institution, rural and northern students, and students with dependants. Improving access to higher education for these and other underrepresented groups is widely acknowledged as essential to building a more equitable society and to competing in the increasingly knowledgebased economy. Indeed, Premier McGuinty has stated his desire to see 70 per cent of Ontarians complete post-secondary education, and achieving this target will require a concerted effort to reduce participation gaps.