I have yet to find the perfect Digital Portfolio app that I think I would use exclusively in a Visual Arts class. Some apps can be used as graphic portfolios or as beautiful sketchbooks, others are great at sharing. Not all of the apps available are great at all of these things. I have spent a heap of time trying to find one and would be more than happy for someone to send me the name of one they are using successfully. Having said that the following are apps that I would consider using;
Evernote: FREE
Evernote is an easy-to-use, free app that helps you remember everything across all of the devices you use. Stay organized, save your ideas and improve productivity. Evernote lets you take notes, capture photos, create to-do lists, record voice reminders--and makes these notes completely searchable, whether you are at home, at work, or on the go.
http://itunes.apple.com/au/app/evernote/id281796108?mt=8
Paper: FREE
Paper is an easy and beautiful way to create on iPad. Capture your ideas as sketches, diagrams, illustrations, notes or drawings and share them across the web. Paper was designed from the ground up for touch and creating on the go. No fussy buttons, settings or other distractions. Paper works the way you think, like a familiar notebook or journal. Have all of your ideas with you in one place.
http://itunes.apple.com/au/app/paper-by-fiftythree/id506003812?mt=8
Three Ring: FREE
Three Ring is a fast, flexible, and simple way to organize and present your students' real world work, from handwritten assignments to classroom presentations. Unleash the power and the flexibility of digital tools, without sacrificing the important work your students do in non-digital formats. Rescue student work from the bottom of backpacks, trashcans, and filing cabinets and have it at your fingertips.
http://itunes.apple.com/au/app/three-ring/id504311049?mt=8
Coolibah: FREE
Coolibah is a digital scrapbooking app that could just as easily be used to present student's work as a digital portfolio. The features include: creating your own layouts using unlimited photos, elements, frames and text. You can move, size, and rotate photos, elements and frames anywhere on your layout. More importantly it has layout export for sharing online, texting and emailing
http://itunes.apple.com/au/app/coolibah-digital-scrapbooking/id325079858?mt=8
Voicethread: FREE
VoiceThread is already in use by architects, executives, kindergartners, professors, and engineers around the world. More than 25% of the top Universities in the U.S. use VoiceThread to connect and communicate around digital media. Create and share conversations about documents, snapshots, diagrams and videos - basically anything there is to talk about. You can talk, type, and draw right on the screen.
http://itunes.apple.com/au/app/voicethread/id465159110?mt=8
Minimal Folio: $2.99 AU
Minimal Folio is the easiest way to present your portfolio of images, video and pdf on your iPad. The app is unbranded so your folio does the talking. Minimal Folio allows you to copy and paste between folios or apps. It also allows Cloud sync to multiple devices with Dropbox as well as the ability to transfer files with iTunes. Settings in the app enable video scrubbing, sync options and more.
http://itunes.apple.com/au/app/minimal-folio-design-photo/id385429744?mt=8
Learning to Write on the iPad
Lots of people have been asking about using the iPad as a way of teaching young students to write. I personally would not advocate this as the primary way of teaching youngsters the intricacies of handwriting and letter recognition but as fun supplementary activity it might provide some motivation. Here are a couple of fun apps that reinforce some of the basic writing skills taught by parents and teachers.
School Writing: $4.99 AU
School Writing allows the teacher to prepare lessons using written instructions, unique images and audio instructions, to which the student can respond using written and audio recordings. Students learn shapes, letters, numbers, words and more.
iWriteWords: $2.99 AU
iWriteWords teaches your child handwriting while playing a fun and entertaining game. Help Mr. Crab collect the numbered balls by dragging him with your finger - and drawing the letter at the same time. Once all the letters in the word are drawn properly, a cute drawing appears. Slide the letters into the spinning hole and advance to the next level.
Alphabet Board: $1.99 AU
A fun way to learn to write!Using tried and true methods, Alphabet Board gives your children a fun, interactive way to learn to write. Alphabet Board associates different letter types with sound, promotes reading by addressing letter recognition confusion, includes large letter shapes for easy tracing and phonetic sounds for every letter.
rED Writing - Learn to Write: $1.99 AU
Co-designed by an Australian teacher for children aged 3-7 years old, rED Writing contains 8 education approved handwriting fonts used throughout Australian schools. Featuring 6 fun learning modes (including upper and lower case letters, numbers and handwriting shapes) all supported with audio using a clear Australian male voice.
abc PocketPhonics: $2.99 AU
Letter sounds. Handwriting. First words. PocketPhonics teaches all three. Kids, parents and teachers love it. Aimed at kids aged between 3 and 6, and using the best ‘phonics’ teaching techniques, PocketPhonics introduces kids to each of the key letter sounds. As they learn the sounds, the app guides them how to write each letter .
Pre-K Letters and Numbers: FREE
Pre-K teaches children Letters, Words, Numbers and Phonics in a fun and engaging way following government curriculum's adopted in UK, US and Canada from pre-K to grade 5. The application brings together experiences in the classroom to your children's hands with the bonus of allowing parents and teachers to monitor their performance.
Alphabytes: $1.99 AU
A bit of education in every byte with 4 entertaining ways to learn about the alphabet, writing, spelling, and memorization. Kids will love learning the alphabet with fully animated interactions for every letter. They can also learn to write uppercase and lowercase letters through the repetition of tracing. Spelling words has never been so much fun.
Intro to Letters by Montessorium: $5.49 AU
Intro to Letters includes the activities that help students to learn the sounds of the letters, in a series of guided, interactive exercises. With an emphasis on phonetics, instead of letter names, your child will trace and select the letters. Through a number of engaging activities, your child will learn the sounds of the phonograms, and unite these with their symbols.
SUPER WHY! for iPad: $4.49 AU
The SUPER WHY app from PBS KIDS was developed by Bean Creative in partnership with PBS and Out of the Blue Enterprises, the producers of the breakthrough preschool series SUPER WHY. The series is designed to help kids ages 3 to 6 with the critical skills that they need to learn (and love) to read.
Share My ABCs: $4.99 AU
Trace letters and send messages to your loved ones! Have fun learning to write by tracing letters, words and animals in Alphabet World! Once the trace has been completed you can share your handwritten messages. Mums and Dads can change the settings as you watch your kids writing improve and track your progress from practice to guided tracing.
Science Probes for the iPad
Science is one of those subjects that really excite students because they get to see cause and effect, they get to create, record and then document results and they get to manipulate the variables that produce the data. Students then get to make connections between what they do and the real world.
Add an iPad, a series of carefully chosen apps and a couple of probes and you can make all of these observations happen in a mobile environment - outside, at home or even on an excursion. I would love to be a student in a classroom with these tools!
iSeismometer: FREE
iSeismometer stores 10 seconds of data and you can drag the screen to re-track the previous data. Submit data on the website with your location info. You can also customize the target URL. Send the URL to your email address so that you can easily download the data as csv file.
http://itunes.apple.com/au/app/iseismometer/id304190739?mt=8
http://itunes.apple.com/au/app/iseismometer/id304190739?mt=8
Accelerometer Data Pro: $2.99 and $5.49
The Pro version saves the collected data on the Flash file system of the device allowing a very large amount of data to be collected, and allows the data to be accessed after the application is restarted. The Accelerometer Data application gives you direct access to the iDevice accelerometer data. The data can be streamed to your computer using UDP over wifi.
http://itunes.apple.com/au/app/accelerometer-data/id305088642?mt=8
http://itunes.apple.com/au/app/accelerometer-data/id305088642?mt=8
iCelsius with Probe attachment ( 4 models between $50 - $100) |
iCelsius: FREE + Probe
iCelsius is a temperature probe that turns the iPad into a digital thermometer. The app will read the temperature, create graphs and set up alerts. The iCelsius measures temps between -22°F to 158°F (-30°C to 70°C) and is suited for many applications.
http://itunes.apple.com/au/app/icelsius/id434212879?mt=8
http://itunes.apple.com/au/app/icelsius/id434212879?mt=8
Sparkvue Wireless Probes |
Sparkvue: FREE + Probe
SPARKvue brings real-time measurement, data visualization, and analysis to science education everywhere. Students can use the new PASPORT interface to connect to over 70 sensors, measuring pH, temperature, force, carbon dioxide level, and many more.
http://itunes.apple.com/au/app/sparkvue/id361907181?mt=8
http://itunes.apple.com/au/app/sparkvue/id361907181?mt=8
Oscium Osilloscope Probe attachment $298 |
IMSO-104 Osilloscope: FREE + Probe
The Oscium scope can also do all of those things you would expect from any scope: triggering, running measurements, the ability to freeze the display, screen shot, data capture, e-mail, and configuration saving. The unit supports a single analog probe and four digital probes, all included in the kit.
http://itunes.apple.com/au/app/imso/id411757356?mt=8
http://itunes.apple.com/au/app/imso/id411757356?mt=8
Monster List of iBook Tutorials
There are numerous sites that are now offering Tutorials and how-to guides for creating ebooks in iBook Author. As teachers are now comfortable with the idea of creating their own e-textbooks more and more people are looking for resources to learn how to build touch enabled books that take full advantage of the iPad capabilities. Inserting video and high resolution photographs is one thing but how about inserting 3D manipulatives and models that are touch sensitive. Here is a list of some of the resources online. If you know of other good ones please add them in the comments section and we will update the list.
Web Tutorials:
Publishing with iBooks Author:
This book is intended to get you up and writing in iBooks Author. You’ll learn what to expect from this new tool and what its strengths and limitations are. You’ll see how you can create beautifully designed pages and how you can bring those designs to life with interactive content in ways that, before now, were only possible in a web browser on the Internet.
http://shop.oreilly.com/product/0636920025597.do
Want to create your own interactive eBook for the iPad? It’s actually really simple using the iBooks Author program that Apple provides for free! Many classrooms are reading their text books on an iPad. To make this easy Shawn Ozbun has put together the complete guide to help walk you through the entire creation and publishing process.
Emerson College - Department of Journalism:
This is a great little site with close to 40 small tutorials for learning to use iBooks Author. These tutorial start at the basic like Starting iBooks, Using Templates and An Overview of the Toolbar right through to Inserting and Modifying html and Inserting and Modifying 3D Widgets. This is a good site to start your iBook Author journey
http://ecjourno.com/diyjourno/?page_id=38
This book is intended to get you up and writing in iBooks Author. You’ll learn what to expect from this new tool and what its strengths and limitations are. You’ll see how you can create beautifully designed pages and how you can bring those designs to life with interactive content in ways that, before now, were only possible in a web browser on the Internet.
http://shop.oreilly.com/product/0636920025597.do
Want to create your own interactive eBook for the iPad? It’s actually really simple using the iBooks Author program that Apple provides for free! Many classrooms are reading their text books on an iPad. To make this easy Shawn Ozbun has put together the complete guide to help walk you through the entire creation and publishing process.
Emerson College - Department of Journalism:
This is a great little site with close to 40 small tutorials for learning to use iBooks Author. These tutorial start at the basic like Starting iBooks, Using Templates and An Overview of the Toolbar right through to Inserting and Modifying html and Inserting and Modifying 3D Widgets. This is a good site to start your iBook Author journey
http://ecjourno.com/diyjourno/?page_id=38
iBook Author and Apples ecosystem of interactive content:
Jermy Dorm posted a great article over at iPads in Education Ning. In it Jeremy discusses the different insertable widgets that can be added to iBooks. He has written a simply and easy to read article for the teacher with little technical know-how. It makes for a good read to open up your eyes to the very real possibilities that are on offer even to the most techno phobic amongst us.
http://ipadeducators.ning.com/profiles/blogs/ibooks-author-and-interactive-content
Jermy Dorm posted a great article over at iPads in Education Ning. In it Jeremy discusses the different insertable widgets that can be added to iBooks. He has written a simply and easy to read article for the teacher with little technical know-how. It makes for a good read to open up your eyes to the very real possibilities that are on offer even to the most techno phobic amongst us.
http://ipadeducators.ning.com/profiles/blogs/ibooks-author-and-interactive-content
iBooks Author comes with 6 inbuilt widgets to add great interactive elements to your iBooks. Sliding Puzzles, Live Twitter Feeds, Interactive Timelines, Embedded YouTubes or Vimeo, Embedded Google Maps or Live Polling. With Class Widgets, you can easily add more. No need to program or install Dashcode, just click on the Wizard and download your auto-generated widget.
This is the home of iBookCreatives.com - a community for and of iBook authors. Here you’ll find tips, tools, news, reviews, and tutorials related to publishing e-books with Apple’s free publishing tool – iBook Author. There are a number of tutorials on adding PowerPoint, Keynotes or just useful keyboard shortcuts.
TES is home to more than 300,000 teaching resources developed by teachers for teachers. With over 1.9 million members spread across 197 countries, TES are the largest network of teachers in the world. Here they have four tutorials on different aspects of iBook Author including; Images Galleries, Video Widgets, Adding Interactive Images and Creating Study Cards.
This is a clear and concise tutorial for adding images into your iBook. It is written by cartoonist and illustrator Mark Anderson. He recognises the potential that iBook Author has for education but wants people to see beyond that and see the potential of the tool as a self publishing platform.
Photshop and Coding:
This is a single tutorial for creating fullscreen ibook pages. The possibility to make an image to pop up fullscreen, so that any small illustration may be appreciated as big as the iPad display allows – and even more, zooming in. There are at least three ways to do this in iBooks Author, each one with its own drawbacks: because fullscreen and borderless aren’t synonyms.
http://www.davidebarranca.com/2012/04/ibooks-author-fullscreen-images/
This is a single tutorial for creating fullscreen ibook pages. The possibility to make an image to pop up fullscreen, so that any small illustration may be appreciated as big as the iPad display allows – and even more, zooming in. There are at least three ways to do this in iBooks Author, each one with its own drawbacks: because fullscreen and borderless aren’t synonyms.
http://www.davidebarranca.com/2012/04/ibooks-author-fullscreen-images/
Videos:
1. Apple iBooks Author Tour
http://www.youtube.com/watch?v=pr076C_ty_M
2. Adding HTML to iBooks Author with Tumult Hype
http://www.youtube.com/watch?v=9_3-OWNb6Dg&feature=related
3. iBook Author Tutorial - Sharing Your iBook Author File With a Friend
http://www.youtube.com/watch?v=HYVogclRy1U
Paid Resources:
Templates for iBooks: $4.49
Templates for iBooks Author provide you with 20 Templates. The variety of styles includes astrology, science, urban and wild life, leisure and many more. To use Templates for iBooks Author you just need a Mac with iBooks Author 1.0 or later. All the Templates are flexible -pictures can be replaced with a drag-and-drop ease, as most of the elements are easy to move, resize or delete.
Meet iBooks Author: $4.99
This hands-on guide steers you through how to lay out your Multi-Touch ebook. Starting with picking a template, you learn how to add and use text, import from Pages and Word, and create a table of contents. This practical, approachable guide will quickly help you start creating Multi-Touch ebooks!
Book Palette: $9.99 AU
Jumsoft Book Palette offers you 20 beautiful templates for iBooks Author. Each template included in the app features an assortment of stylish and modern page layouts. You can use them as a starting point and go from there by typing or pasting your own text, adding or removing text boxes, and dropping images or other media.
iBooks Author Templates: $19.99 AU
Have a great idea but can't get it onto the page. Choose from dozens of professionally designed templates by name-brand designers. Say good bye to boring designs and hello to an eBook that stands out from the crowd. All of the template designs are 100% customizable. Import your own photos, change a color, or drag and drop any element to your heart's content. These templates start from $19.99
Gaming Based Maths Skills
I watched my 12 year old spend 35 minutes working out how to advance to the next level on a character based game on a console the other day. I was amazed at how determined she was to discover how the game worked and what she had to do to complete the level. As a teacher I sat wondering how we could harness this type of motivation in the classroom.
Many developers have tried to do just this in the past but most kids see right through the adults hiding school work in a game format.
This is changing with some innovative iOS developers using game based scenario' and environments and thoughtfully embedding tasks that challenge the player from an educational perspective.
Math Mage is the type of app that will get kids into learning without them even realising it. I really do believe that gaming and education can be a perfect partnership. The developers just need to know how to cloak the educational content in enough fun so the students do not realise that they are simply "doing school work". This app seems to be the perfect combination of these two things.
This is the best fun I have had doing mental arithmetic in a very long time. This is the app to get middle school student into maths in a big way. RGH Games should really be congratulated on this app - it is pitched at just the right level. The balance between gaming and learning is one that is extremely hard to find but these guys have done a fantastic job!
I have now levelled up and have spent more time on this app than I care to reveal.
Many developers have tried to do just this in the past but most kids see right through the adults hiding school work in a game format.
This is changing with some innovative iOS developers using game based scenario' and environments and thoughtfully embedding tasks that challenge the player from an educational perspective.
Math Mage is the type of app that will get kids into learning without them even realising it. I really do believe that gaming and education can be a perfect partnership. The developers just need to know how to cloak the educational content in enough fun so the students do not realise that they are simply "doing school work". This app seems to be the perfect combination of these two things.
This is the best fun I have had doing mental arithmetic in a very long time. This is the app to get middle school student into maths in a big way. RGH Games should really be congratulated on this app - it is pitched at just the right level. The balance between gaming and learning is one that is extremely hard to find but these guys have done a fantastic job!
I have now levelled up and have spent more time on this app than I care to reveal.
Math Mage: $1.99 AU
The Math Mage is an adventure that transports you back to the Middle Ages, where a Magic Spell has unleashed monsters in your village. Only YOU can defeat all the monsters thanks to your math skills! Explore 6 amazing levels including a bushy forest, dark mines, the town of Wearie and more before facing the ultimate monster!
http://itunes.apple.com/au/app/the-math-mage/id480765493?mt=8
Operation Math: $4.49 AU
Dr. Odd is on a global quest to eliminate the world’s even numbers. And it’s your job to stop him, by seeking out his secret bases. Designed for children ages 5 to 12, the faster they work the further they’ll go in a game designed to take your novice mathematician from the pyramids of Egypt to a seat at the head of the class.
http://itunes.apple.com/au/app/operation-math/id7270?mt=uo%3D4
The Math Mage is an adventure that transports you back to the Middle Ages, where a Magic Spell has unleashed monsters in your village. Only YOU can defeat all the monsters thanks to your math skills! Explore 6 amazing levels including a bushy forest, dark mines, the town of Wearie and more before facing the ultimate monster!
http://itunes.apple.com/au/app/the-math-mage/id480765493?mt=8
Operation Math: $4.49 AU
Dr. Odd is on a global quest to eliminate the world’s even numbers. And it’s your job to stop him, by seeking out his secret bases. Designed for children ages 5 to 12, the faster they work the further they’ll go in a game designed to take your novice mathematician from the pyramids of Egypt to a seat at the head of the class.
http://itunes.apple.com/au/app/operation-math/id7270?mt=uo%3D4
Math with Springbird: FREE
SpringBird’s friends have been captured! Help SpringBird find the key to open the cage where his friends are captured by making your way up branches of math questions. Have fun and learn at the same time. Practice various aspects of math including addition, subtraction, number sets, shapes and coin counting.
http://itunes.apple.com/au/app/math-with-springbird/id496301680?mt=8
SpringBird’s friends have been captured! Help SpringBird find the key to open the cage where his friends are captured by making your way up branches of math questions. Have fun and learn at the same time. Practice various aspects of math including addition, subtraction, number sets, shapes and coin counting.
http://itunes.apple.com/au/app/math-with-springbird/id496301680?mt=8
Squeebles: $0.99 AU
Help Whizz rescue the other Squeebles from the nasty Maths Monster by answering times tables questions across 4 game modes. The more times tables questions your child answers correctly, the more stars they win and the more of Whizz's friends they rescue from the Maths Monster. There are 24 Squeebles to rescue, each with their own personality.
http://itunes.apple.com/au/app/squeebles-for/id393584953?mt=8
Help Whizz rescue the other Squeebles from the nasty Maths Monster by answering times tables questions across 4 game modes. The more times tables questions your child answers correctly, the more stars they win and the more of Whizz's friends they rescue from the Maths Monster. There are 24 Squeebles to rescue, each with their own personality.
http://itunes.apple.com/au/app/squeebles-for/id393584953?mt=8
Math Monsters: FREE
Math Monsters Bingo is a new, fun way to master math on your iPad. The game lets you practice math anytime and anywhere using a fun Bingo styled game play. Math Monsters has several unique features like individual player profiles, high scores and ranks along with an interesting "Reward Jump" game.
http://itunes.apple.com/au/app/math-monsters/id452985193?mt=8
Math Monsters Bingo is a new, fun way to master math on your iPad. The game lets you practice math anytime and anywhere using a fun Bingo styled game play. Math Monsters has several unique features like individual player profiles, high scores and ranks along with an interesting "Reward Jump" game.
http://itunes.apple.com/au/app/math-monsters/id452985193?mt=8
Education Outsourcing Student Loan Servicing
On April 15, 2012 I received a letter in the mail from EdFinancial, a so called "nonprofit" financial services company, informing me that it would be taking over the serving of my William D. Ford direct consolidation loan, effective April 5, 2012. First and most obviously, the letter was postmarked seven days after the effective date. Most upsetting, the notice arrived just three days prior to my payment being due. I received no contact from the Department of Education, who had been servicing my loans since I graduated from Law School. So, I was left with only a small window of time in order to determine on my own if the letter was legitimate, and then register on the new website and adjust my automatic payments accordingly.
The federal government through the Department of Education has been has been transferring large tranches of federal student loans to new loan-servicing companies for some time now. It has plans to continue to do so through the end of 2012 and beyond.
As our federally-owned loan portfolio continues to grow, we are ready to move to the next step in ensuring an efficient and effective multi-servicer, borrower-centric approach to servicing. We will further expand our federal loan servicer team through contracts awarded under the HCERA/SAFRA Not-For-Profit (NFP) Servicer Program solicitation. This solicitation offered NFP entities the opportunity to submit proposals individually or in teams for servicing borrower accounts on our behalf. Whether individual or team award, our customers will know and face one servicer. The Department will annually measure each servicer's performance in the areas of borrower satisfaction and default management and use the results to assign additional volume when applicable.
I am left only to assume that not directly informing borrowers in advance that hundreds of billions of dollars in student debt will be transferred to private entities is an indispensable element of this new "borrower-centric" approach. I also assume that not informing me in a timely fashion of the transfer carries no penalty. I should say loudly that I was very happy with the past service provided by the Department of Education and found its staff to be knowledgeable, helpful, and responsive. Over the years I have had several questions and need for assistance, and each request was handled professionally. I have no doubt that the level of service provided previously will not be duplicated by the private entities paying lower wages and benefits, and providing no job security to its collection agents and staff.
The change was pushed by several nonprofit student loan corporations and their trade groups, including the Education Finance Council, during the health care debate in 2009 and 2010. The rule change was hidden away nicely as part of legislation passed concurrently with the Affordable Care Act. As has been true often during Obama's tenure, an idea first floated to enable common sense reform, has been bastardized by moneyed interests. The motivation for the law was primarily to allow the government to break from guaranteeing loans offered through banks and credit unions and to begin lending directly to the public. The change made sense, and it has saved the federal government from having to pay fees to the large banks to originate and service the loans. It has also meant that the federal government would be forced into servicing a larger number of loans. However, the apparently influential nonprofit collection servicing business groups won a provision which guaranteed that its members would be granted the rights to service the loans.
As a consequence of the right hand helping while the left hand pummels, many borrowers have suffered problems during the transition. Many borrowers' payments have been adjusted upwards or downwards without explanation. The vast majority of these same borrowers have since provided the new servicer with the requested information needed to correct the issue, but have not found a resolution. In my case I was simply notified in an unprofessional and untimely manner, although I am certain that additional problems will arise in the future.
I have some initial questions for the Department of Education. For example, how will loan forgiveness procedures be handled? Who will make decisions regarding public service loan forgiveness? How will borrowers' payments be tracked for purposes of forgiving loan balances once the loans become eligible under the 25 or 20 year provisions? Are we to trust these private companies to keep accurate records and base decisions on government policies and interpret those policies accurately? What new collection rights, if any, will the servicers enjoy that the federal government did not? Will there be an oversight board set up to handle complaints from borrowers when these servicers ultimately engage in fraudulent behavior? Who will punish these entities if they begin to intimidate borrowers? At least six of the servicers that Uncle Sam has negoitiated these no-bid contracts with with have been involved in scandals in the past. How are we borrowers to have any confidence in this process?
The fact of the matter is that this type of government outsourcing never functions as planned. Just ask anyone who has run afoul of parking regulations in Chicago, or the folks who were recently renumerated for fraudulent fines and penalties paid to private operators of toll roads in California. This loan servicing outsourcing was a terrible idea and it will have terrible consequences. Unfortunately, it will be nearly impossible to unwind it.
It is a despairing situation because the President, I believe, had no intention of placing student borrowers into a precarious situation. In attempts to streamline the process he simply traveled down the path of least resistance, likely believing that the servicers' nonprofit status would in some way shield borrowers from the type or predatory behavior that they had been subjected to by the large banks and private collection companies. In return, he was able to carve out a change that removed billions in fees from the large banks as the government became a direct lender to students. As I write this, the President is traveling around the country attempting to rally support for an extension of lower interest rates for student loan borrowers, and I believe he intimately understands the harm that will be caused by failure. However, outsourcing nearly a trillion dollars in student loan debt to ill-trained, ill-informed, ill-motivated private entities was a poor decision, and one that will likely adversely affect borrowers for decades.
The federal government through the Department of Education has been has been transferring large tranches of federal student loans to new loan-servicing companies for some time now. It has plans to continue to do so through the end of 2012 and beyond.
As our federally-owned loan portfolio continues to grow, we are ready to move to the next step in ensuring an efficient and effective multi-servicer, borrower-centric approach to servicing. We will further expand our federal loan servicer team through contracts awarded under the HCERA/SAFRA Not-For-Profit (NFP) Servicer Program solicitation. This solicitation offered NFP entities the opportunity to submit proposals individually or in teams for servicing borrower accounts on our behalf. Whether individual or team award, our customers will know and face one servicer. The Department will annually measure each servicer's performance in the areas of borrower satisfaction and default management and use the results to assign additional volume when applicable.
I am left only to assume that not directly informing borrowers in advance that hundreds of billions of dollars in student debt will be transferred to private entities is an indispensable element of this new "borrower-centric" approach. I also assume that not informing me in a timely fashion of the transfer carries no penalty. I should say loudly that I was very happy with the past service provided by the Department of Education and found its staff to be knowledgeable, helpful, and responsive. Over the years I have had several questions and need for assistance, and each request was handled professionally. I have no doubt that the level of service provided previously will not be duplicated by the private entities paying lower wages and benefits, and providing no job security to its collection agents and staff.
The change was pushed by several nonprofit student loan corporations and their trade groups, including the Education Finance Council, during the health care debate in 2009 and 2010. The rule change was hidden away nicely as part of legislation passed concurrently with the Affordable Care Act. As has been true often during Obama's tenure, an idea first floated to enable common sense reform, has been bastardized by moneyed interests. The motivation for the law was primarily to allow the government to break from guaranteeing loans offered through banks and credit unions and to begin lending directly to the public. The change made sense, and it has saved the federal government from having to pay fees to the large banks to originate and service the loans. It has also meant that the federal government would be forced into servicing a larger number of loans. However, the apparently influential nonprofit collection servicing business groups won a provision which guaranteed that its members would be granted the rights to service the loans.
As a consequence of the right hand helping while the left hand pummels, many borrowers have suffered problems during the transition. Many borrowers' payments have been adjusted upwards or downwards without explanation. The vast majority of these same borrowers have since provided the new servicer with the requested information needed to correct the issue, but have not found a resolution. In my case I was simply notified in an unprofessional and untimely manner, although I am certain that additional problems will arise in the future.
I have some initial questions for the Department of Education. For example, how will loan forgiveness procedures be handled? Who will make decisions regarding public service loan forgiveness? How will borrowers' payments be tracked for purposes of forgiving loan balances once the loans become eligible under the 25 or 20 year provisions? Are we to trust these private companies to keep accurate records and base decisions on government policies and interpret those policies accurately? What new collection rights, if any, will the servicers enjoy that the federal government did not? Will there be an oversight board set up to handle complaints from borrowers when these servicers ultimately engage in fraudulent behavior? Who will punish these entities if they begin to intimidate borrowers? At least six of the servicers that Uncle Sam has negoitiated these no-bid contracts with with have been involved in scandals in the past. How are we borrowers to have any confidence in this process?
The fact of the matter is that this type of government outsourcing never functions as planned. Just ask anyone who has run afoul of parking regulations in Chicago, or the folks who were recently renumerated for fraudulent fines and penalties paid to private operators of toll roads in California. This loan servicing outsourcing was a terrible idea and it will have terrible consequences. Unfortunately, it will be nearly impossible to unwind it.
It is a despairing situation because the President, I believe, had no intention of placing student borrowers into a precarious situation. In attempts to streamline the process he simply traveled down the path of least resistance, likely believing that the servicers' nonprofit status would in some way shield borrowers from the type or predatory behavior that they had been subjected to by the large banks and private collection companies. In return, he was able to carve out a change that removed billions in fees from the large banks as the government became a direct lender to students. As I write this, the President is traveling around the country attempting to rally support for an extension of lower interest rates for student loan borrowers, and I believe he intimately understands the harm that will be caused by failure. However, outsourcing nearly a trillion dollars in student loan debt to ill-trained, ill-informed, ill-motivated private entities was a poor decision, and one that will likely adversely affect borrowers for decades.
Parental Rights in Special Education
Parental rights in special education in the United States are called procedural safeguards. The federal law, Individuals with Disabilities Education Act (IDEA) lays the foundation for parental rights. Each state adopts their own procedural safeguards based on the guidelines laid out in IDEA. I am asked quite often about three parental rights. One of your parental rights is the right to ask for an independent educational evaluation if you disagree with an evaluation that the school district conducts. Another parental right afforded to you is your right to review your child's educational records. Another parental right is the right to file a due process claim and have an independent hearing if you disagree with the Individualized Education Program (IEP) or the IEP process.
When your child is initially referred to special education and you give permission to the school district to evaluate your child, several formal and informal assessments are conducted to determine if your child meets the criteria for receiving special education services. Re-evaluations to determine if your child remains eligible for special education services are also conducted every three years or more often if the parent requests it or the school district feels it is necessary. If you disagree with an assessment completed by the school district, you have the right to request that an independent evaluation be completed at no expense to you. You must have a valid reason for your disagreement with the evaluation and you need to follow the district's process spelled out in your procedural safeguards handout to receive the independent evaluation.
You also have the right to inspect and review your child's educational records. There are often many records kept on your child other than the formal reports you receive such as the IEP progress reports and the report card. You may put in a formal request to view all of your child records. This could include observations of your child, classroom data regarding behavior and academic progress, informal assessments, discipline records, parent contact records and staff records. If you wish to review your child's records, you usually need to submit your request in writing per the procedural safeguards protocol.
Another procedural safeguard is that you (or the school district) have the right to file a due process claim and receive a hearing by an unbiased hearing officer if you disagree with something in the IEP or during the IEP process. If you have a disagreement with the school district about the IEP or the IEP process, it is best to attempt to work it out with the district. If you do not believe that your disagreement was adequately addressed and you still believe that part of the IEP is inappropriate or inadequate, that the IEP is not being followed, that the IEP process was not conducted according to the law and/or that you or your child were denied something that is your right follow the district's procedure for filing a due process claim.
An IEP is a legal agreement between you and the school district for the provision of special education services to your child. The intent of the procedural safeguards is to protect all parties involved in the IEP process-your child, you as guardians and the school district. You should receive a copy of the school district procedural safeguards based on your state's laws at least once a year. You may also request a copy from your child's case manager or the district's special education department at any time.
Remember that you are your child's best advocate. When school districts and parents work together it benefits children with special needs greatly. There are times when you may disagree with your child's school district and it is important that you fully understand your legal rights.
When your child is initially referred to special education and you give permission to the school district to evaluate your child, several formal and informal assessments are conducted to determine if your child meets the criteria for receiving special education services. Re-evaluations to determine if your child remains eligible for special education services are also conducted every three years or more often if the parent requests it or the school district feels it is necessary. If you disagree with an assessment completed by the school district, you have the right to request that an independent evaluation be completed at no expense to you. You must have a valid reason for your disagreement with the evaluation and you need to follow the district's process spelled out in your procedural safeguards handout to receive the independent evaluation.
You also have the right to inspect and review your child's educational records. There are often many records kept on your child other than the formal reports you receive such as the IEP progress reports and the report card. You may put in a formal request to view all of your child records. This could include observations of your child, classroom data regarding behavior and academic progress, informal assessments, discipline records, parent contact records and staff records. If you wish to review your child's records, you usually need to submit your request in writing per the procedural safeguards protocol.
Another procedural safeguard is that you (or the school district) have the right to file a due process claim and receive a hearing by an unbiased hearing officer if you disagree with something in the IEP or during the IEP process. If you have a disagreement with the school district about the IEP or the IEP process, it is best to attempt to work it out with the district. If you do not believe that your disagreement was adequately addressed and you still believe that part of the IEP is inappropriate or inadequate, that the IEP is not being followed, that the IEP process was not conducted according to the law and/or that you or your child were denied something that is your right follow the district's procedure for filing a due process claim.
An IEP is a legal agreement between you and the school district for the provision of special education services to your child. The intent of the procedural safeguards is to protect all parties involved in the IEP process-your child, you as guardians and the school district. You should receive a copy of the school district procedural safeguards based on your state's laws at least once a year. You may also request a copy from your child's case manager or the district's special education department at any time.
Remember that you are your child's best advocate. When school districts and parents work together it benefits children with special needs greatly. There are times when you may disagree with your child's school district and it is important that you fully understand your legal rights.
New York City Department of Education Discourages the Word
Companies preparing to submit assessment tests used in New York city's public schools have been issued with guidelines from the Department of Education suggesting that they stay clear of dinosaurs when compiling their papers. The word dinosaur is just one of a number of words and topics that the department have advised organisations preparing the assessment papers to avoid - other terms and subject areas that the compilers have been asked to steer away from include birthdays, aliens, vermin, terrorism and junk food. Does this mean that the city's students will miss out on learning about dinosaurs in New York's public schools?
Dinosaurs off the School Assessment Agenda
Under these new guidelines, writing the assessment papers may prove to be as tricky at actually taking them. These tests are used to assess the progress students are making in a number of subject areas including science English and mathematics, but in a move that seems to take political correctness a step too far, a number of topic areas have been deemed off limits.
No Dinosaurs in Test Questions
Whilst creating the test questions, companies are being advised to steer clear from certain subject areas, words and topics as they could disrupt the thought process of some of the students taking the papers, evoking unpleasant emotions in the examinees as they try to concentrate on the questions they have to answer.
Other reasons stated by the Department of Education for wanting to avoid such words as "dinosaur" include a desire to prevent bias against or towards certain parts of the population, or because the topic has already been extensively covered in textbooks and previous tests thus becoming over familiar and even mundane to the students. With a new dinosaur species being named and described every twenty to thirty days at the moment and with more dinosaurs having been named and described in the last decade than in the preceding one hundred years, the move by the Department to try to avoid the mentioning of dinosaurs in exam papers may prove difficult to achieve.
Other words and topics deemed as being not advisable include the term "Halloween" (conjures up images of pagan rites), "terrorism" - can portray excessive violence and "birthday" as this anniversary may be counter to the beliefs of some religious groups.
Dinosaurs are on the extinction list for terms with the department, presumably as any reference to these prehistoric animals could upset those parts of the population who don't believe or except the principles of evolution. Firms have just a few more weeks to finalise their papers and then to submit their assessment plans and proposals to the Department.
The Department of Education of New York City has been keen to stress that these words and topic areas, including the word dinosaur are not banned outright. The list they have created are merely part of the language and guidelines sent out to potential suppliers - they are merely suggestions about topics and subject areas that ought to be avoided. Such language and guidance had been included in proposal requests for some time.
Spokespersons for the Department have stressed that these are just standard terms that have been included in guidelines published by such departments for a number of years. The word dinosaur and others like may cause bias in any tests set or the use of such a word or topic area might distract students and the reason why such a list has been circulated is to help try to make the tests as fair and equitable as possible.
With the American Museum of Natural History in the city and with its amazing display of dinosaurs and other prehistoric animal fossils, it might have been thought that this museum would have provided tremendous support for the city's students, teachers and educationalists.
It is important that this news story is put into the proper context. Whilst it can be accepted the difficult path that the Department has to follow at times, advising the removal of dinosaurs along with other words from the assessment papers may limit the opportunities the American Museum of Natural History and other institutions can inspire young people.
Dinosaurs can Inspire the Next Generation of Scientists
With such a fantastic and wonderful educational resource (the American Museum of Natural History), in New York, it seems such a shame that educational companies are being recommended not to use dinosaur related test questions. After all, if you want to inspire the next generation of scientists, motivate children to learn more about the world around them or to give young people an insight into how the world is changing, dinosaurs would be a tremendously helpful subject area to explore for teachers and teaching staff.
The use of restricted lists are not just confined to the educational department of America's largest city. Having to adhere to such guidelines and policies is something that testing companies throughout the United States and indeed in the United Kingdom have had to do for some time. The list of subjects to avoid comes from topics someone, somewhere around the country, not necessarily in New York, may have objected to.
Dinosaurs a Rich Subject Area for Teachers
With the advent of a more creative curriculum in the United Kingdom, a number of schools are using dinosaurs and dinosaur related themes to help young people grasp science and mathematical concepts. For example, we have used a model of a dinosaur track-way to help children learn about measuring, the use of averages such as the mean and mode, as well as encouraging them to write creatively.
The guidelines issued by the Department of Education also covers other areas related to the testing of students such as how long test passages should be and what tenses should be used. The guidelines also suggest that the subject material should be "familiar and common to the lives of New York city students."
However, it does seem a shame that teachers and teaching staff may be limited as to what subject areas they can teach, as dinosaurs, fossils and prehistoric animals in general can provide students with a tremendous motivation to learn more. After all, if you are excited by a subject it is very likely that your interest in the lesson will be maintained and that you will pay more attention in class.
Dinosaurs off the School Assessment Agenda
Under these new guidelines, writing the assessment papers may prove to be as tricky at actually taking them. These tests are used to assess the progress students are making in a number of subject areas including science English and mathematics, but in a move that seems to take political correctness a step too far, a number of topic areas have been deemed off limits.
No Dinosaurs in Test Questions
Whilst creating the test questions, companies are being advised to steer clear from certain subject areas, words and topics as they could disrupt the thought process of some of the students taking the papers, evoking unpleasant emotions in the examinees as they try to concentrate on the questions they have to answer.
Other reasons stated by the Department of Education for wanting to avoid such words as "dinosaur" include a desire to prevent bias against or towards certain parts of the population, or because the topic has already been extensively covered in textbooks and previous tests thus becoming over familiar and even mundane to the students. With a new dinosaur species being named and described every twenty to thirty days at the moment and with more dinosaurs having been named and described in the last decade than in the preceding one hundred years, the move by the Department to try to avoid the mentioning of dinosaurs in exam papers may prove difficult to achieve.
Other words and topics deemed as being not advisable include the term "Halloween" (conjures up images of pagan rites), "terrorism" - can portray excessive violence and "birthday" as this anniversary may be counter to the beliefs of some religious groups.
Dinosaurs are on the extinction list for terms with the department, presumably as any reference to these prehistoric animals could upset those parts of the population who don't believe or except the principles of evolution. Firms have just a few more weeks to finalise their papers and then to submit their assessment plans and proposals to the Department.
The Department of Education of New York City has been keen to stress that these words and topic areas, including the word dinosaur are not banned outright. The list they have created are merely part of the language and guidelines sent out to potential suppliers - they are merely suggestions about topics and subject areas that ought to be avoided. Such language and guidance had been included in proposal requests for some time.
Spokespersons for the Department have stressed that these are just standard terms that have been included in guidelines published by such departments for a number of years. The word dinosaur and others like may cause bias in any tests set or the use of such a word or topic area might distract students and the reason why such a list has been circulated is to help try to make the tests as fair and equitable as possible.
With the American Museum of Natural History in the city and with its amazing display of dinosaurs and other prehistoric animal fossils, it might have been thought that this museum would have provided tremendous support for the city's students, teachers and educationalists.
It is important that this news story is put into the proper context. Whilst it can be accepted the difficult path that the Department has to follow at times, advising the removal of dinosaurs along with other words from the assessment papers may limit the opportunities the American Museum of Natural History and other institutions can inspire young people.
Dinosaurs can Inspire the Next Generation of Scientists
With such a fantastic and wonderful educational resource (the American Museum of Natural History), in New York, it seems such a shame that educational companies are being recommended not to use dinosaur related test questions. After all, if you want to inspire the next generation of scientists, motivate children to learn more about the world around them or to give young people an insight into how the world is changing, dinosaurs would be a tremendously helpful subject area to explore for teachers and teaching staff.
The use of restricted lists are not just confined to the educational department of America's largest city. Having to adhere to such guidelines and policies is something that testing companies throughout the United States and indeed in the United Kingdom have had to do for some time. The list of subjects to avoid comes from topics someone, somewhere around the country, not necessarily in New York, may have objected to.
Dinosaurs a Rich Subject Area for Teachers
With the advent of a more creative curriculum in the United Kingdom, a number of schools are using dinosaurs and dinosaur related themes to help young people grasp science and mathematical concepts. For example, we have used a model of a dinosaur track-way to help children learn about measuring, the use of averages such as the mean and mode, as well as encouraging them to write creatively.
The guidelines issued by the Department of Education also covers other areas related to the testing of students such as how long test passages should be and what tenses should be used. The guidelines also suggest that the subject material should be "familiar and common to the lives of New York city students."
However, it does seem a shame that teachers and teaching staff may be limited as to what subject areas they can teach, as dinosaurs, fossils and prehistoric animals in general can provide students with a tremendous motivation to learn more. After all, if you are excited by a subject it is very likely that your interest in the lesson will be maintained and that you will pay more attention in class.
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