What 3 credit ratings agencies forecast for higher ed in 2026 — from highereddive.com by Ben Unglesbee
Fitch Ratings, S&P Global and Moody’s Ratings all predicted a tough year ahead, pointing to deteriorating financial conditions and heightened uncertainty.
Fitch Ratings labeled its higher ed financial outlook for 2026 as “deteriorating” while Moody’s Ratings described an “increasingly difficult and shifting operating environment for colleges and universities.” Similarly, S&P Global Ratings said it expects“mounting operating pressures and uncertainty” ahead for the sector’s nonprofit institutions.
Analysts cited additional disruption and belt-tightening ahead in the new year, from predicted demographic declines to pressures on international enrollment to uncertainties about how Republicans’ big spending bill passed this summer will impact demand for college.
Below are the various takes on higher ed in 2026 by Moody’s, Fitch and S&P Global Ratings:
How Your Learners *Actually* Learn with AI — from drphilippahardman.substack.com by Dr. Philippa Hardman
What 37.5 million AI chats show us about how learners use AI at the end of 2025 — and what this means for how we design & deliver learning experiences in 2026
Last week, Microsoft released a similar analysis of a whopping 37.5 million Copilot conversations. These conversation took place on the platform from January to September 2025, providing us with a window into if and how AI use in general — and AI use among learners specifically – has evolved in 2025.
Microsoft’s mass behavioural data gives us a detailed, global glimpse into what learners are actually doing across devices, times of day and contexts. The picture that emerges is pretty clear and largely consistent with what OpenAI’s told us back in the summer:
AI isn’t functioning primarily as an “answers machine”: the majority of us use AI as a tool to personalise and differentiate generic learning experiences and – ultimately – to augment human learning.
Let’s dive in!
Learners don’t “decide” to use AI anymore. They assume it’s there, like search, like spellcheck, like calculators. The question has shifted from “should I use this?” to “how do I use this effectively?”
8 AI Agents Every HR Leader Needs To Know In 2026 — from forbes.com by Bernard Marr
So where do you start? There are many agentic tools and platforms for AI tasks on the market, and the most effective approach is to focus on practical, high-impact workflows. So here, I’ll look at some of the most compelling use cases, as well as provide an overview of the tools that can help you quickly deliver tangible wins.
…
Some of the strongest opportunities in HR include:
- Workforce management, administering job satisfaction surveys, monitoring and tracking performance targets, scheduling interventions, and managing staff benefits, medical leave, and holiday entitlement.
- Recruitment screening, automatically generating and posting job descriptions, filtering candidates, ranking applicants against defined criteria, identifying the strongest matches, and scheduling interviews.
- Employee onboarding, issuing new hires with contracts and paperwork, guiding them to onboarding and training resources, tracking compliance and completion rates, answering routine enquiries, and escalating complex cases to human HR specialists.
- Training and development, identifying skills gaps, providing self-service access to upskilling and reskilling opportunities, creating personalized learning pathways aligned with roles and career goals, and tracking progress toward completion.
AI Has Landed in Education: Now What? — from learningfuturesdigest.substack.com by Dr. Philippa Hardman
Here’s what’s shaped the AI-education landscape in the last month:
- The AI Speed Trap is [still] here: AI adoption in L&D is basically won (87%)—but it’s being used to ship faster, not learn better (84% prioritising speed), scaling “more of the same” at pace.
- AI tutors risk a “pedagogy of passivity”: emerging evidence suggests tutoring bots can reduce cognitive friction and pull learners down the ICAP spectrum—away from interactive/constructive learning toward efficient consumption.
- Singapore + India are building what the West lacks: they’re treating AI as national learning infrastructure—for resilience (Singapore) and access + language inclusion (India)—while Western systems remain fragmented and reactive.
- Agentic AI is the next pivot: early signs show a shift from AI as a content engine to AI as a learning partner—with UConn using agents to remove barriers so learners can participate more fully in shared learning.
- Moodle’s AI stance sends two big signals: the traditional learning ecosystem in fragmenting, and the concept of “user sovereignty” over by AI is emerging.
Four strategies for implementing custom AIs that help students learn, not outsource — from educational-innovation.sydney.edu.au by Kria Coleman, Matthew Clemson, Laura Crocco and Samantha Clarke; via Derek Bruff
For Cogniti to be taken seriously, it needs to be woven into the structure of your unit and its delivery, both in class and on Canvas, rather than left on the side. This article shares practical strategies for implementing Cogniti in your teaching so that students:
- understand the context and purpose of the agent,
- know how to interact with it effectively,
- perceive its value as a learning tool over any other available AI chatbots, and
- engage in reflection and feedback.
In this post, we discuss how to introduce and integrate Cogniti agents into the learning environment so students understand their context, interact effectively, and see their value as customised learning companions.
In this post, we share four strategies to help introduce and integrate Cogniti in your teaching so that students understand their context, interact effectively, and see their value as customised learning companions.
Collection: Teaching with Custom AI Chatbots — from teaching.virginia.edu; via Derek Bruff
The default behaviors of popular AI chatbots don’t always align with our teaching goals. This collection explores approaches to designing AI chatbots for particular pedagogical purposes.
Example/excerpt:
- Not Your Default Chatbot: Five Teaching Applications of Custom AI Bots
Agile Learning
derekbruff.org/2025/10/01/five-teaching-applications-of-custom-ai-chatbots/
Beyond Infographics: How to Use Nano Banana to *Actually* Support Learning — from drphilippahardman.substack.com by Dr Philippa Hardman
Six evidence-based use cases to try in Google’s latest image-generating AI tool
While it’s true that Nano Banana generates better infographics than other AI models, the conversation has so far massively under-sold what’s actually different and valuable about this tool for those of us who design learning experiences.
What this means for our workflow:
Instead of the traditional “commission ? wait ? tweak ? approve ? repeat” cycle, Nano Banana enables an iterative, rapid-cycle design process where you can:
- Sketch an idea and see it refined in minutes.
- Test multiple visual metaphors for the same concept without re-briefing a designer.
- Build 10-image storyboards with perfect consistency by specifying the constraints once, not manually editing each frame.
- Implement evidence-based strategies (contrasting cases, worked examples, observational learning) that are usually too labour-intensive to produce at scale.
This shift—from “image generation as decoration” to “image generation as instructional scaffolding”—is what makes Nano Banana uniquely useful for the 10 evidence-based strategies below.
4 Simple & Easy Ways to Use AI to Differentiate Instruction — from mindfulaiedu.substack.com (Mindful AI for Education) by Dani Kachorsky, PhD
Designing for All Learners with AI and Universal Design Learning
So this year, I’ve been exploring new ways that AI can help support students with disabilities—students on IEPs, learning plans, or 504s—and, honestly, it’s changing the way I think about differentiation in general.
As a quick note, a lot of what I’m finding applies just as well to English language learners or really to any students. One of the big ideas behind Universal Design for Learning (UDL) is that accommodations and strategies designed for students with disabilities are often just good teaching practices. When we plan instruction that’s accessible to the widest possible range of learners, everyone benefits. For example, UDL encourages explaining things in multiple modes—written, visual, auditory, kinesthetic—because people access information differently. I hear students say they’re “visual learners,” but I think everyone is a visual learner, and an auditory learner, and a kinesthetic learner. The more ways we present information, the more likely it is to stick.
So, with that in mind, here are four ways I’ve been using AI to differentiate instruction for students with disabilities (and, really, everyone else too):
The Periodic Table of AI Tools In Education To Try Today — from ictevangelist.com by Mark Anderson
What I’ve tried to do is bring together genuinely useful AI tools that I know are already making a difference.
For colleagues wanting to explore further, I’m sharing the list exactly as it appears in the table, including website links, grouped by category below. Please do check it out, as along with links to all of the resources, I’ve also written a brief summary explaining what each of the different tools do and how they can help.
Seven Hard-Won Lessons from Building AI Learning Tools — from linkedin.com by Louise Worgan
Last week, I wrapped up Dr Philippa Hardman’s intensive bootcamp on AI in learning design. Four conversations, countless iterations, and more than a few humbling moments later – here’s what I am left thinking about.
Finally Catching Up to the New Models — from michellekassorla.substack.com by Michelle Kassorla
There are some amazing things happening out there!
An aside: Google is working on a new vision for textbooks that can be easily differentiated based on the beautiful success for NotebookLM. You can get on the waiting list for that tool by going to LearnYourWay.withgoogle.com.
…
Nano Banana Pro
Sticking with the Google tools for now, Nano Banana Pro (which you can use for free on Google’s AI Studio), is doing something that everyone has been waiting a long time for: it adds correct text to images.
Introducing AI assistants with memory — from perplexity.ai
The simple act of remembering is the crux of how we navigate the world: it shapes our experiences, informs our decisions, and helps us anticipate what comes next. For AI agents like Comet Assistant, that continuity leads to a more powerful, personalized experience.
Today we are announcing new personalization features to remember your preferences, interests, and conversations. Perplexity now synthesizes them automatically like memory, for valuable context on relevant tasks. Answers are smarter, faster, and more personalized, no matter how you work.
From DSC :
This should be important as we look at learning-related applications for AI.
For the last three days, my Substack has been in the top “Rising in Education” list. I realize this is based on a hugely flawed metric, but it still feels good. ?
– Michael G Wagner
I’m a Professor. A.I. Has Changed My Classroom, but Not for the Worse. — from nytimes.com by Carlo Rotella [this should be a gifted article]
My students’ easy access to chatbots forced me to make humanities instruction even more human.
New Study: Business As Usual Could Doom Dozens Of New England Colleges — from forbes.com by Michael B. Horn
The cause of the challenges isn’t one single factor, but a series of pressures from demographic changes, shifts in the public’s perception of higher education’s value, rising operating costs, emerging alternatives to traditional colleges, and, of late, changes in federal policies and programs. The net effect is that many institutions are much closer to the brink of closure than ever before.
What’s daunting is that flat enrollment is almost certainly an overly optimistic scenario.
If enrollment at the 44 schools falls by 15 percent over the next four years and business proceeds as usual, then 28 of the schools will have less than 10 years of cash and unrestricted quasi-endowments before they would become insolvent—assuming no major cuts, additional philanthropy, new debt, or asset sales. Fourteen would have less than five years before insolvency.
Also see:
- A Looming Crisis: New Analysis Shows Dozens of Well-Known Colleges Are Near Financial Trouble — from michaelbhorn.substack.com by Michael B. Horn and Steven M. Shulman
From DSC:
The cultures at many institutions of traditional higher education will make some of the necessary changes and strategies (that Michael and Steven discuss) very hard to make. For example, to merge with another institution or institutions. Such a strategy could be very challenging to implement, even as alternatives continue to emerge.
Gen AI Is Going Mainstream: Here’s What’s Coming Next — from joshbersin.com by Josh Bersin
I just completed nearly 60,000 miles of travel across Europe, Asia, and the Middle East meeting with hundred of companies to discuss their AI strategies. While every company’s maturity is different, one thing is clear: AI as a business tool has arrived: it’s real and the use-cases are growing.
A new survey by Wharton shows that 46% of business leaders use Gen AI daily and 80% use it weekly. And among these users, 72% are measuring ROI and 74% report a positive return. HR, by the way, is the #3 department in use cases, only slightly behind IT and Finance.
What are companies getting out of all this? Productivity. The #1 use case, by far, is what we call “stage 1” usage – individual productivity.
From DSC:
Josh writes: “Many of our large clients are now implementing AI-native learning systems and seeing 30-40% reduction in staff with vast improvements in workforce enablement.”
While I get the appeal (and ROI) from management’s and shareholders’ perspective, this represents a growing concern for employment and people’s ability to earn a living.
And while I highly respect Josh and his work through the years, I disagree that we’re over the problems with AI and how people are using it:
Two years ago the NYT was trying to frighten us with stories of AI acting as a romance partner. Well those stories are over, and thanks to a $Trillion (literally) of capital investment in infrastructure, engineering, and power plants, this stuff is reasonably safe.
Those stories are just beginning…they’re not close to being over.
“… imagine a world where there’s no separation between learning and assessment…” — from aiedusimplified.substack.com by Lance Eaton, Ph.D. and Tawnya Means
An interview with Tawnya Means
So let’s imagine a world where there’s no separation between learning and assessment: it’s ongoing. There’s always assessment, always learning, and they’re tied together. Then we can ask: what is the role of the human in that world? What is it that AI can’t do?
…
Imagine something like that in higher ed. There could be tutoring or skill-based work happening outside of class, and then relationship-based work happening inside of class, whether online, in person, or some hybrid mix.
The aspects of learning that don’t require relational context could be handled by AI, while the human parts remain intact. For example, I teach strategy and strategic management. I teach people how to talk with one another about the operation and function of a business. I can help students learn to be open to new ideas, recognize when someone pushes back out of fear of losing power, or draw from my own experience in leading a business and making future-oriented decisions.
But the technical parts such as the frameworks like SWOT analysis, the mechanics of comparing alternative viewpoints in a boardroom—those could be managed through simulations or reports that receive immediate feedback from AI. The relational aspects, the human mentoring, would still happen with me as their instructor.
Part 2 of their interview is here:
A New AI Career Ladder — from ssir.org (Stanford Social Innovation Review) by Bruno V. Manno; via Matt Tower
The changing nature of jobs means workers need new education and training infrastructure to match.
AI has cannibalized the routine, low-risk work tasks that used to teach newcomers how to operate in complex organizations. Without those task rungs, the climb up the opportunity ladder into better employment options becomes steeper—and for many, impossible. This is not a temporary glitch. AI is reorganizing work, reshaping what knowledge and skills matter, and redefining how people are expected to acquire them.
The consequences ripple from individual career starts to the broader American promise of economic and social mobility, which includes both financial wealth and social wealth that comes from the networks and relationships we build. Yet the same technology that complicates the first job can help us reinvent how experience is earned, validated, and scaled. If we use AI to widen—not narrow—access to education, training, and proof of knowledge and skill, we can build a stronger career ladder to the middle class and beyond. A key part of doing this is a redesign of education, training, and hiring infrastructure.
…
What’s needed is a redesigned model that treats work as a primary venue for learning, validates capability with evidence, and helps people keep climbing after their first job. Here are ten design principles for a reinvented education and training infrastructure for the AI era.
- Create hybrid institutions that erase boundaries. …
- Make work-based learning the default, not the exception. …
- Create skill adjacencies to speed transitions. …
- Place performance-based hiring at the core. …
- Ongoing supports and post-placement mobility. …
- Portable, machine-readable credentials with proof attached. …
- …plus several more…
…the above posting links to:
Higher Ed Is Sleepwalking Toward Obsolescence— And AI Won’t Be the Cause, Just the Accelerant — from substack.com by Steven Mintz
AI Has Exposed Higher Ed’s Hollow Core — The University Must Reinvent Itself or Fade
It begins with a basic reversal of mindset: Stop treating AI as a threat to be policed. Start treating it as the accelerant that finally forces us to build the education we should have created decades ago.
A serious institutional response would demand — at minimum — six structural commitments:
- Make high-intensity human learning the norm. …
- Put active learning at the center, not the margins. …
- Replace content transmission with a focus on process. …
- Mainstream high-impact practices — stop hoarding them for honors students. …
- Redesign assessment to make learning undeniable. …
And above all: Instructional design can no longer be a private hobby.
Teaching with AI: From Prohibition to Partnership for Critical Thinking — from facultyfocus.com by Michael Kiener, PhD, CRC
How to Integrate AI Developmentally into Your Courses
- Lower-Level Courses: Focus on building foundational skills, which includes guided instruction on how to use AI responsibly. This moves the strategy beyond mere prohibition.
- Mid-Level Courses: Use AI as a scaffold where faculty provide specific guidelines on when and how to use the tool, preparing students for greater independence.
- Upper-Level/Graduate Courses: Empower students to evaluate AI’s role in their learning. This enables them to become self-regulated learners who make informed decisions about their tools.
- Balanced Approach: Make decisions about AI use based on the content being learned and students’ developmental needs.
Now that you have a framework for how to conceptualize including AI into your courses here are a few ideas on scaffolding AI to allow students to practice using technology and develop cognitive skills.
80 per cent of young people in the UK are using AI for their schoolwork — from aipioneers.org by Graham Attwell
What was encouraging, though, is that students aren’t just passively accepting this new reality. They are actively asking for help. Almost half want their teachers to help them figure out what AI-generated content is trustworthy, and over half want clearer guidelines on when it’s appropriate to use AI in their work. This isn’t a story about students trying to cheat the system; it’s a story about a generation grappling with a powerful new technology and looking to their educators for guidance. It echoes a sentiment I heard at the recent AI Pioneers’ Conference – the issue of AI in education is fundamentally pedagogical and ethical, not just technological.
Is An Internship In College More Important Than The Degree Itself? — from forbes.com by Brandon Busteed
While confidence in higher education has eroded and more Americans are questioning the importance of a degree, the demand for internships among college students is skyrocketing and the odds of getting an internship at a major company are now lower than getting into the Ivy League. This begs the question: are we at a point where an internship is as valuable – or perhaps more so – than a degree itself?
While concerns about degree ROI were on the rise, the value of internships and other work-integrated learning opportunities was becoming increasingly apparent. New research and analysis have shown us how valuable it is for a student to have an internship during college: it doubles the odds they have a good job waiting for them upon graduation and doubles their odds of being engaged in their work over their lifetime. Although there are some variations in those outcomes by choice of college or academic major, those variations pale in comparison to the impact of having an internship. In short, a collegiate internship experience is a more important indicator of these outcomes than alma mater or major.
Is Your Institution Ready for the Earnings Premium Buzzsaw? — from ailearninsights.substack.com by Alfred Essa
On Wednesday [October 29th, 2025], I’m launching the Beta version of an Education Accountability Website (”EDU Accountability Lab”). It analyzes federal student aid, institutional outcomes, and accountability metrics across 6,000+ colleges and universities in the US.
Our Mission
The EDU Accountability Lab delivers independent, data-driven analysis of higher education with a focus on accountability, affordability, and outcomes. Our audience includes policymakers, researchers, and taxpayers who seek greater transparency and effectiveness in postsecondary education. We take no advocacy position on specific institutions, programs, metrics, or policies. Our goal is to provide clear and well-documented methods that support policy discussions, strengthen institutional accountability, and improve public understanding of the value of higher education.
But right now, there’s one area demanding urgent attention.
Starting July 1, 2026, every degree program at every institution receiving federal student aid must prove its graduates earn more than people without that credential—or lose Title IV eligibility.
This isn’t about institutions passing or failing. It’s about programs. Every Bachelor’s in Psychology. Every Master’s in Education. Every Associate in Nursing. Each one assessed separately. Each one facing the same pass-or-fail tests.
70% of Americans say feds shouldn’t control admissions, curriculum — from highereddive.com by Natalie Schwartz
The Public Religion Research Institute poll comes as the Trump administration is pressuring colleges to change their policies.
Dive Brief:
- Most polled Americans, 70%, disagreed that the federal government should control “admissions, faculty hiring, and curriculum at U.S. colleges and universities to ensure they do not teach inappropriate material,” according to a survey released Wednesday by the Public Religion Research Institute.
- The majority of Americans across political parties — 84% of Democrats, 75% of independents and 58% of Republicans — disagreed with federal control over these elements of college operations.
- The poll’s results come as the Trump administration seeks to exert control over college workings, including in its recent offer of priority for federal research funding in exchange for making sweeping policy changes aligned with the government’s priorities.
Also see:
- ‘Nothing less than government control’: Higher ed responds to Trump’s compact — from highereddive.com by Ben Unglesbee
Federal officials offered preferential funding treatment to nine initial colleges in exchange for sweeping changes. Here’s how they replied.
There is no God Tier video model — from downes.ca by Stephen Downes
From DSC:
Stephen has some solid reflections and asks some excellent questions in this posting, including:
The question is: how do we optimize an AI to support learning? Will one model be enough? Or do we need different models for different learners in different scenarios?
A More Human University: The Role of AI in Learning — from er.educause.edu by Robert Placido
Far from heralding the collapse of higher education, artificial intelligence offers a transformative opportunity to scale meaningful, individualized learning experiences across diverse classrooms.
The narrative surrounding artificial intelligence (AI) in higher education is often grim. We hear dire predictions of an “impending collapse,” fueled by fears of rampant cheating, the erosion of critical thinking, and the obsolescence of the human educator.Footnote1 This dystopian view, however, is a failure of imagination. It mistakes the death rattle of an outdated pedagogical model for the death of learning itself. The truth is far more hopeful: AI is not an asteroid coming for higher education. It is a catalyst that can finally empower us to solve our oldest, most intractable problem: the inability to scale deep, engaged, and truly personalized learning.
Claude for Life Sciences — from anthropic.com
Increasing the rate of scientific progress is a core part of Anthropic’s public benefit mission.
We are focused on building the tools to allow researchers to make new discoveries – and eventually, to allow AI models to make these discoveries autonomously.
Until recently, scientists typically used Claude for individual tasks, like writing code for statistical analysis or summarizing papers. Pharmaceutical companies and others in industry also use it for tasks across the rest of their business, like sales, to fund new research. Now, our goal is to make Claude capable of supporting the entire process, from early discovery through to translation and commercialization.
To do this, we’re rolling out several improvements that aim to make Claude a better partner for those who work in the life sciences, including researchers, clinical coordinators, and regulatory affairs managers.
AI as an access tool for neurodiverse and international staff — from timeshighereducation.com by Vanessa Mar-Molinero
Used transparently and ethically, GenAI can level the playing field and lower the cognitive load of repetitive tasks for admin staff, student support and teachers
Where AI helps without cutting academic corners
When framed as accessibility and quality enhancement, AI can support staff to complete standard tasks with less friction. However, while it supports clarity, consistency and inclusion, generative AI (GenAI) does not replace disciplinary expertise, ethical judgement or the teacher–student relationship. These are ways it can be put to effective use:
- Drafting and tone calibration: …
- Language scaffolding: …
- Structure and templates: ..
- Summarise and prioritise: …
- Accessibility by default: …
- Idea generation for pedagogy: …
- Translation and cultural mediation: …
Beyond learning design: supporting pedagogical innovation in response to AI — from timeshighereducation.com by Charlotte von Essen
To avoid an unwinnable game of catch-up with technology, universities must rethink pedagogical improvement that goes beyond scaling online learning
The Sleep of Liberal Arts Produces AI — from aiedusimplified.substack.com by Lance Eaton, Ph.D.
A keynote at the AI and the Liberal Arts Symposium Conference
This past weekend, I had the honor to be the keynote speaker at a really fantstistic conferece, AI and the Liberal Arts Symposium at Connecticut College. I had shared a bit about this before with my interview with Lori Looney. It was an incredible conference, thoughtfully composed with a lot of things to chew on and think about.
It was also an entirely brand new talk in a slightly different context from many of my other talks and workshops. It was something I had to build entirely from the ground up. It reminded me in some ways of last year’s “What If GenAI Is a Nothingburger”.
It was a real challenge and one I’ve been working on and off for months, trying to figure out the right balance. It’s a work I feel proud of because of the balancing act I try to navigate. So, as always, it’s here for others to read and engage with. And, of course, here is the slide deck as well (with CC license).








