Private student loans 101: How the terms differ

For college-bound students, the easy money seems to be everywhere. The website for Discover’s student loans says it can help: “Cover up to 100 percent of your college tuition, housing, books and more.” An online ad by Wells Fargo states that “It’s Quick, Easy and Free to Apply,” the Associated Press reports. Over on the site of student lender Sallie Mae, the words “Low rates!” jump off the page. It’s tempting marketing for cash-strapped students and families who may be scrambling to figure out a way to cover any remaining college costs as the fall semester approaches. But the student loans offered by banks and credit unions have key differences from Stafford loans, which are issued by the U.S. Department of Education. Private student loans are widely considered an option of last resort only after federal loans, scholarships and grants have been exhausted because they tend to be more expensive and come with fewer safeguards…

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Admissions officials: Students shouldn’t bank on application gimmicks

The University of Michigan admitted 42 out of 4,498 waitlisted students last year.

College applicants shouldn’t rely on a viral YouTube video to spring them from the confines of a university’s lengthy wait list, admissions officials say—despite the success of one high-profile applicant whose video plea went viral.

Campus admissions officials frown on gimmicks like tins of homemade cookies or phone calls from vaguely famous relatives. But for one college hopeful, a Motown love song did the trick: After posting a YouTube video of himself singing about his love for the University of Michigan (UM), Lawrence Yong was plucked from the waitlist and admitted to the school’s 2012 freshman class.

Students who receive waitlist letters in April typically must wait until late June to see if any spots remain after admitted students submit their enrollment deposits.

In the meantime, the admissions officers encourage waitlisted students to share news recent accomplishments or supply additional information that would increase their chances of getting in.

These supplemental letters can be helpful to admissions staff. Because the student applies in the fall and waits until spring to hear a decision, “the university isn’t always certain whether the student is still interested or not,” said Jim Miller, who served as president of the National Association of College Admissions Counselors (NACAC).

Click below to watch Yong’s video:


“But I would advise not to get too carried away with multimedia and technology, because some universities may have time and interest, and some might just set it aside,” he said. “At that point it’s just not very productive.”

While Miller credited Yong for showcasing his “character and personality in a very positive light,” he guessed that Yong “must have been a very strong candidate to begin with.”

“It was not that he was way down the list and [the video] catapulted [him] above 10,000 students,” Miller said.

Yong said he made the video instead of taking a more orthodox approach because he had already written an essay for his initial application, but “didn’t feel that it accurately conveyed who [he] was.”

The video was a way to “showcase some of my strengths and to give the school a face to go along with the application,” said Yong, who sang choir and a capella at his high school.

Yong reworked the lyrics to the Jackson 5 song “I Want You Back” to include his “dream to be a Wolverine” and to plead, “Oh Michigan, give me one more chance/to show you that I love you.”


Mcgraw-Hill Higher Education Collaborates with Desire2learn to Enable Seamless Access To Resources Via the Mcgraw-Hill Campus Digital Educational Service

Company collaborates with Desire2Learn to deliver its higher education resources to instructors directly from colleges’ existing LMSs, enhancing a seamless user experience that features single sign-on access and automatic registration


New York and Kitchener-Waterloo, ON, June 19, 2012 – McGraw-Hill Higher Education and Desire2Learn Incorporated (“Desire2Learn”) today announced an expansion of their collaborative relationship. This relationship will enable a deeper integration of McGraw-Hill Campus, McGraw-Hill’s groundbreaking content and course integration service, within Desire2Learn® Learning Environment. Making it even easier for instructors and students to access the comprehensive digital resources provided through McGraw-Hill Campus, this collaboration will further enhance the teaching and learning experience for students.

McGraw-Hill Campus grants faculty and students universal access to McGraw-Hill’s world-class course solutions and online resources through Desire2Learn Learning Environment– whether or not they use a McGraw-Hill title. The service is available at no additional cost to the institution, and is part of Desire2Learn’s commitment to delivering an extensible and flexible platform. McGraw-Hill Campus provides users with single sign-on access to all of McGraw-Hill Education’s digital content, streamlining, simplifying and enriching the user experience. With one click, instructors and students can instantly browse, search and access the entire library of McGraw-Hill instructional resources and services including e-books, test banks, PowerPoint® slides, animations and learning objects. Faculty can discover new resources to prepare for class, create tests/quizzes, develop lecture material and integrate additional interactive content to complement the existing course tools and rigorous evaluation capabilities of Desire2Learn Learning Environment.

“The digital transformation of education is beginning its next stage and requires a new level of access and integration,” said Brian Kibby, president, McGraw-Hill Higher Education. “As educational resources increasingly move online, instructors and students are demanding greater access to more and better content as well as an integrated experience that’s totally seamless. By partnering with a leading eLearning company like Desire2Learn, we’re bringing institutions the best of both worlds: our high-quality content combined with hassle-free digital integration. The end result is a richer – and simpler – learning environment that enhances teaching and learning.”

“Our relationship with McGraw-Hill Higher Education is important to us as we seek to provide integrated solutions that will transform the teaching and learning experience,” remarked John Baker, president and CEO, Desire2Learn. “Education stakeholders are demanding best-of-breed approaches and a high degree of customization. By partnering with a leading content and technology provider such as McGraw-Hill, we create more flexibility and choice for all members of the educational community.”

The number one reason professors and students reach out for technical support is due to issues with login and registration. By reducing technical issues for students, faculty and IT administrators, Desire2Learn and McGraw-Hill Education are reducing the amount of time that schools and instructors spend dealing with IT problems and with the integration, the companies will further enhance the learner experience. This underscores Desire2Learn’s focus on allowing educators to concentrate on what matters most – teaching and learning – and enabling students to succeed by eliminating obstacles to accessing engaging digital learning.

More than 300 higher education institutions have already implemented McGraw-Hill Campus, which is expected to expand further in the coming months. With a future release planned for summer 2012 that integrates grade books, the Desire2Learn/McGraw-Hill collaboration will enable faculty to spend more time teaching and less time on administration. Both organizations look forward to promoting this integration and expanding related programs.

For more information on this new integration, register for Desire2Learn’s Partner Series webinar – McGraw-Hill Campus, Discover What’s Possible – on June 26, 3 p.m. to 4 p.m. EDT, by visiting:
About McGraw-Hill Education
McGraw-Hill Education is a content, software and services-based education company that draws on its more than 100 years of educational expertise to offer solutions, which improve learning outcomes around the world. McGraw-Hill is the adaptive education technology leader with the vision for creating a highly personalized learning experience that prepares students of all ages for the world that awaits. The company has offices across North America, India, China, Europe, the Middle East and South America, and makes its learning solutions available in more than 65 languages. For additional information, visit

About Desire2Learn Incorporated
Desire2Learn Incorporated is a world-leading provider of enterprise eLearning solutions that enable institutions and other organizations to create teaching and learning environments that reflect their vision, goals, and branding. Desire2Learn and its subsidiaries support more than eight million learners worldwide. Clients include higher education, K-12, and healthcare, as well as associations, government and other leading organizations. Founded in 1999, Desire2Learn has personnel in the United States, Canada, the United Kingdom, Australia, Brazil, and Singapore.


TopSchool Delivers Faster and Easier Access to Data & Reports

Denver, CO — June 19, 2012 — TopSchool, a leading SaaS provider of Student Lifecycle Management (SLM) solutions for higher education, has released its latest system advancements, making it easier than ever for institutions to get to the data and reports they need to support student recruitment, student retention, compliance and more. The new advancements simplify the way users retrieve information and enable them to be more proactive with their data.

“It’s one thing to capture information, but it’s another to actually put it to work – our goal with this product release was to make sure that data is truly usable in the most efficient way possible,” said Matthew Schnittman, CEO and co-founder of TopSchool. “By giving our clients more options in the way they access information and analysis, they can make any necessary adjustments to their processes in real time, justify those decisions, and see results faster.”

TopSchool’s SaaS model automatically puts the new features in the hands of all customers without added fees and complicated installations. The new functionality includes:

Quick Query – the wizard driven reporting tool allows end users to build critical operating reports in three easy steps, and efficiently mine their data for additional insight. With Quick Query’s imbedded integration with Microsoft Excel, end users can access their reports directly from any enabled device and leverage Excel’s powerful analytics suite.

Director of Admissions Console – directors can use the new prospect queue to quickly and easily gain insight around campaigns, the prospect funnel, rep performance and overall department success so they can better allocate resources and make decisions that will drive stronger enrollment results.

SAP Student Performance Monitoring – institutions can better understand and predict student outcomes, stay compliant with the new program integrity rules, speed up financial aid eligibility, review academic policies to determine enrollment eligibility, and evaluate student progress in real-time.

TopSchool will be showcasing its SLM system at this week’s APSCU Annual Convention in Las Vegas. Additionally, the company will be exhibiting in booth #601, as well as leading the session, “Advancing Career Services to Meet Compliance and Increase Your Value Proposition,” on Wednesday, June 20th at 3:45 p.m.

About TopSchool

TopSchool ( built the first SaaS student administrative system in higher education to address the key aspects of the student lifecycle. The company’s Student Lifecycle Management (SLM) system goes beyond the capabilities of traditional college student information systems, and includes a customizable student portal, easy-to-use CRM and SIS components, and an intelligent reporting suite. Schools can easily manage all student information from recruitment and retention through career placement in a central location, supporting students through enrollment, admissions, academics, finance and career services. TopSchool gives student-centric institutions more control and flexibility in the way they manage student data, empowering them to drive growth, reduce costs and meet accountability requirements.

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Walden University Introduces Executive Master of Business Administration

Walden University Introduces Executive Master of Business Administration
New online EMBA program provides advanced skills for global business leaders

Minneapolis—June 19, 2012—In today’s global marketplace, the demand for world-class business leaders is greater than ever before. For experienced professionals who aspire to become innovative global leaders, Walden University is introducing a new accredited online Executive Master of Business Administration (EMBA) degree program to provide the advanced leadership skills needed to move forward in the field.

“The Walden Executive M.B.A. program is designed to be a journey of personal and professional transformation, where students identify their leadership style through an in-depth self-assessment and work with an executive coach to expand their entrepreneurial mindset and gain exposure to international business practices and cultures,” said Dr. William Schulz III, associate dean of the School of Management. “Our EMBA fosters a diverse team environment where carefully selected, experienced professionals can thrive on the exchange of new ideas and perspectives.”

The online EMBA program includes several unique features designed to enhance a student’s learning experience, including:
• Peer Learning and Expert Facilitation: Under the guidance of faculty with both academic and executive experience, students gain new perspectives by engaging and collaborating with a select group of highly motivated peers who offer a diverse blend of geographic and industry experiences.
• Leadership Assessment and Executive Coaching: A personal mentor helps students assess their leadership capacity and assists them with creating personal and professional development plans to enhance their effectiveness as leaders and decision makers.
• Domestic and International Residencies: Students connect face to face with their cohort and faculty members at a U.S.-based leadership development residency and an international business development residency in Brazil, China or Germany.
• Exclusive Speaker Series: The program features exclusive content including interviews with renowned business, economic and technology leaders, such as Tony Hsieh, Jimmy Wales, George Lucas and Shelly Lazarus, who are transforming their industries with entrepreneurial spirit and innovative thinking.

This program can help prepare graduates for leadership roles such as CEO, president, vice president, director/senior manager, consultant and entrepreneur/business owner.

Walden’s online EMBA program is accredited by the Accreditation Council for Business Schools and Programs (ACBSP), a leading specialized accreditation association that identifies and supports excellence in business education. The EMBA joins Walden’s School of Management suite of ACBSP-accredited programs: the B.S. in Business Administration, Master of Business Administration (M.B.A.), Doctor of Business Administration (D.B.A.) and Ph.D. in Management.

For more information, visit

About Walden University
For more than 40 years, Walden University has supported working professionals in achieving their academic goals and making a greater impact in their professions and their communities. Today, more than 48,500 students from all 50 states and more than 140 countries are pursuing their bachelor’s, master’s or doctoral degrees online at Walden. The university provides students with an engaging educational experience that connects them with expert faculty and peers around the world. Walden is the flagship online university in the Laureate International Universities network—a global network of more than 60 campus-based and online universities in 29 countries.

Walden offers more than 65 degree programs with more than 330 specializations and concentrations. Areas of study include health sciences, counseling, human services, management, psychology, education, public health, nursing, public administration and information technology. For more information, visit Walden University is accredited by The Higher Learning Commission and a member of the North Central Association,


Retrieve Data from HDD with Freeware Data Recovery Software

Gothenburg, Sweden, 20 June, 2012: News to call up users mind regarding the freeware HDD updated version that is available for paradise recovery of hard drive free of cost. Free demo version of Hard Drive Data Recovery Software procurable to users with multiple features allows swift and simple retrieval of data from corrupt hard drive. Visiting the website, trial edition of tool for HDD updated version can be downloaded that will take users to a tour defining the exact ability and functionality before investment in complete version of the tool.

With the obtainable free version of the tool, promised software attributes can be analyzed by the user as how the software helps in retrieval of permanently deleted data, how the deleted partition, formatted data, missing files from logical drives can be recovered perfectly with the tool. Moreover, the trial edition facilitates users to get familiar with proper working of the tool so that no queries or troubles emerge out after a worth and valuable investment in licensed version of utility for HDD updated version.

Director of the Company, Evan Swans says: “Simplicity and comfort for the users is our foremost priority. With freeware software, we make sure that users get a fair opportunity to know the tool in advance. Tool to recover hard drive updated version freeware availability is a mode to let users believe in the truthfulness of the tool so that they can confidently purchase the full pro edition for absolute recovery. ”

Susan Kaet, Head of Web Team quotes: “Distribution of freeware is one of the best strategies to let our products being know to the users completely. Our freeware data restore tool to restore lost hard drive data has its updated version available free of cost that allows knowing the tool in a better way. HDD updated version demo can be download by having a stopover at ”


College preparedness lacking, forcing students into remediation, drop out

High school graduates may be attending college in record numbers, but that doesn’t mean they are necessarily ready for higher education, the Huffington Post reports. According to Complete College America — a Washington-based nonprofit aimed at increasing college completion — four in 10 high school graduates are required to take remedial courses when they start college. According to, two-thirds of those students attending four-year colleges in Ohio and Kentucky fail to earn their degrees within six years — a number that is on par with national statistics. College completion rates are even lower at two-year and community colleges. In Ohio and Kentucky, only 6.4 percent and 5.5 percent, respectively, of remedial students earn an associate’s degree in three years. The rest either require more than three years, or withdraw. Researchers say that remedial numbers have increased from nearly one-third of incoming college freshmen in 2001, to about 40 percent currently. The most common remedial — otherwise known as “developmental” — classes are math, English and writing, and many students are unaware that they need theses courses until they start planning their schedules and colleges decide who is required to take placement tests. About 1.7 million students nationwide take remedial classes — a cost of $3 billion a year, since developmental courses often cost as much as regular college courses…

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The U-Va. mess: Sign of the (bad) times

The debacle at the University of Virginia over the secretive ousting of the school’s first female president is more than a tale about how one school’s governing board can blunder. It is a sign of these unfortunate times in public education at all levels, the Washington Post reports. The actions of the governing board of the elite public university in forcing out popular President reform at all levels has been carried out in recent years in some important ways.  Here are some key phrases that describe the episode: Acting in secrecy. Ignoring teachers. Viewing public education as a business. Refusing to admit a mistake. Who does that sound like? (Answer: Modern K-12 school reformers.)

Let’s review: The head of the governing board, Helen Dragas, a fiscally conservative developer from Virginia Beach, worked for months in secret on a campaign to fire Sullivan.

She kept the faculty — who, along with the students, are the heart of any school — ignorant of her plans, and when the news became public and professors demanded an explanation, she didn’t give it to them…

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Aung San Suu Kyi finally gets honorary doctorate

It was a long wait, but Aung San Suu Kyi has finally received her honorary degree from Oxford University, the Associated Press reports. The leader of Myanmar’s opposition is being honored Wednesday at the university’s Encaenia ceremony, in which it presents honorary degrees to distinguished people. Suu Kyi, who is making her first visits outside of her native country in 24 years, was awarded the honorary doctorate in civil law in 1993 but was unable to collect it under house arrest in Myanmar. She studied philosophy, politics and economics at St. Hugh’s College in Oxford between 1964 and 1967…

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Public university becomes first to endorse untraditional online model

About 20 percent of Wisconsin adults have some postsecondary course credit.

Students at the University of Wisconsin (UW) can earn college degrees based on proven competency in a subject, making UW the first publicly-funded school to launch a competency-based degree program.

Led by officials at UW-Extension, a continued learning program with offices located across Wisconsin, the UW Flexible Degree will let incoming students demonstrate their knowledge and cut down on the time it takes to earn a degree.

UW Chancellor Ray Cross and Gov. Scott Walker unveiled the Flexible Degree program June 19 as a way to help Wisconsinites boost their education credentials and fill empty jobs that require a two-or-four-year degree.

Students who enroll in UW’s nontraditional degree program could receive financial help from federal and state grants and employer-sponsored grants. Employers involved in the Flexible Degree program will also help recent graduates pay back loans used to fund their education.

While competency-based learning isn’t new—Western Governors University (WGU) has used the model for years—UW’s embrace of the nontraditional online degree track is noteworthy because, unlike the private nonprofit WGU and for-profit online colleges, UW is a public campus.

Offering more flexible options for adults returning the school, Cross said, would help the unemployed and underemployed fill some of the tens of thousands of open jobs just waiting for qualified applicants.

“We know now which features and benefits many adult students want. Our goal is to address these needs in new ways, but we can only achieve that goal by efficiently leveraging all the UW System’s resources in a truly collaborative fashion,” Cross said.

About 20 percent of Wisconsin adults have some postsecondary course credit, according to state statistics. These adults, if enrolled in the new competency-based model, would not have to begin their higher education in the most basic classes, saving them money and time.

Sara Goldrick-Rab, associate professor of education policy studies at UW, wrote in a blog post that a competency-based approach was worth the investment, because “credit for sitting in a seat for a certain amount of time has never felt smart.”

“One way to ensure quality is pushed higher is to encourage the kinds of students who now take in-person courses to try out these online classes, perhaps in summer, and have them … respond with their demands,” Goldrick-Rab wrote. “They will help raise the bar and keep standards high. In other words, diverse online classes of learners, rather than segregated ones, will ensure the quality of instruction.”