Michiganders in these 25 cities have the most student loan debt, ranking says — from mlive.com by Jackie Smith; this is a gifted article

Millions of former students and college graduates across the U.S. are weighed down with student loan debt, but with exactly how much may depend on where you live.

An analysis from WalletHub was released earlier this month, listing high averages student loan debts of residents in more than 2,500 American cities, including 83 in Michigan.

Student loans are the second highest form of household debt after mortgages, according to WalletHub, totaling more than $1.6 tillion, or averaging $38,000 per borrower. 

The above article links to:

Cities with the Most & Least Student Debt (2025) — from wallethub.com by Adam McCann

High balances combined with a payoff timeline that lasts into middle age force many graduates to significantly delay or forgo other financial goals such as saving for retirement or buying a home. Paying back student loans has also become even more difficult due to high inflation putting a strain on Americans’ finances.

While we have a big student-loan crisis as a country, student-loan debts are more unsustainable in some places than others. To determine where borrowers are burdened the most, WalletHub compared the median student-loan balance against the median earnings of adults ages 25 and older with a bachelor’s degree in more than 2,500 U.S. cities.

If you are considering borrowing money for college or you’re in danger of defaulting, we advise using a student loan calculator to determine an affordable payment amount and realistic payoff timeline.


Again, this graphic from 2009 comes to mind:
.


 

Nearly half of Gen Z and millennials say college was a waste of money—AI has already made degrees obsolete — from fortune.com by Preston Fore

College is often advertised as the best four years of one’s life, but many Americans now have regrets.

More than a third of all graduates now say their degree was a “waste of money,” according to a new survey by Indeed. This frustration is especially pronounced among Gen Z, with 51% expressing remorse—compared to 41% of millennials and just 20% of baby boomers.

Overall, a growing share of college-educated workers are questioning the return on investment (ROI) of their degree, Kyle M.K., a career trend expert at Indeed, told Fortune. It’s something that’s not all too surprising considering that the average cost of a bachelor’s degree has doubled in the last two decades to over $38,000, and total student loan debt has ballooned to nearly $2 trillion.

“Another 38% feel student loans have limited their career growth more than their diploma has accelerated it,” M.K. said.

“AI won’t invalidate a solid education, but it will reward those who keep upgrading their toolkit.”


Average Cost of College & Tuition — from educationdata.org
Last Updated: March 8, 2025

Report Highlights. The average cost of college* in the United States is $38,270 per student per year, including books, supplies, and daily living expenses.

  • The average cost of college has more than doubled in the 21st century; the compound annual growth rate (CAGR) of tuition is 4.04%.
  • The average in-state student attending a public 4-year institution and living on-campus spends $27,146 for one academic year.
  • The average cost of in-state tuition alone is $9,750; out-of-state tuition averages $28,386.
  • The average private, nonprofit university student spends $58,628 per academic year living on campus, $38,421 of it on tuition and fees.
  • Considering student loan interest and loss of income, investing in a bachelor’s degree can ultimately cost in excess of $500,000.

.


From DSC:
Reminds me of a graphic that Yohan Na and I created back in 2009:
.

 

MOOC-Style Skills Training — from the-job.beehiiv.com by Paul Fain
WGU and tech companies use Open edX for flexible online learning. Could community colleges be next?

Open Source for Affordable Online Reach
The online titan Western Governors University is experimenting with an open-source learning platform. So are Verizon and the Indian government. And the platform’s leaders want to help community colleges take the plunge on competency-based education.

The Open edX platform inherently supports self-paced learning and offers several features that make it a good fit for competency-based education and skills-forward learning, says Stephanie Khurana, Axim’s CEO.

“Flexible modalities and a focus on competence instead of time spent learning improves access and affordability for learners who balance work and life responsibilities alongside their education,” she says.

“Plus, being open source means institutions and organizations can collaborate to build and share CBE-specific tools and features,” she says, “which could lower costs and speed up innovation across the field.”

Axim thinks Open edX’s ability to scale affordably can support community colleges in reaching working learners across an underserved market. 

 

Another ‘shock’ is coming for American jobs — from washingtonpost.com by Heather Long. DSC: This is a gifted article
Millions of workers will need to shift careers. Our country is unprepared.

The United States is on the cusp of a massive economic shift due to AI, and it’s likely to cause greater change than anything President Donald Trump does in his second term. Much good can come from AI, but the country is unprepared to grapple with the need for millions — or perhaps tens of millions — of workers to shift jobs and entire careers.

“There’s a massive risk that entry-level, white-collar work could get automated. What does that do to career ladders?” asked Molly Kinder, a fellow at the Brookings Institution. Her research has found the jobs of marketing analysts are five times as likely to be replaced as those of marketing managers, and sales representative jobs are three times as likely to be replaced as those of sales managers.

Young people working in these jobs will need to be retrained, but it will be hard for them to invest in new career paths. Consider that many college graduates already carry a lot of debt (an average of about $30,000 for those who took student loans).What’s more, the U.S. unemployment insurance system covers only about 57 percent of unemployed workers and replaces only a modest amount of someone’s pay.

From DSC:
This is another reason why I think this vision here is at least a part of our future. We need shorter, less expensive credentials.

  • People don’t have the time to get degrees that take 2+ years to complete (after they have already gone through college once).
  • They don’t want to come out with more debt on their backs.
  • With inflation going back up, they won’t have as much money anyway.
  • Also, they may already have enough debt on their backs.
 


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2025 EDUCAUSE Students and Technology Report: Shaping the Future of Higher Education Through Technology, Flexibility, and Well-Being — from library.educause.edu

The student experience in higher education is continually evolving, influenced by technological advancements, shifting student needs and expectations, evolving workforce demands, and broadening sociocultural forces. In this year’s report, we examine six critical aspects of student experiences in higher education, providing insights into how institutions can adapt to meet student needs and enhance their learning experience and preparation for the workforce:

  • Satisfaction with Technology-Related Services and Supports
  • Modality Preferences
  • Hybrid Learning Experiences
  • Generative AI in the Classroom
  • Workforce Preparation
  • Accessibility and Mental Health

DSC: Shame on higher ed for not preparing students for the workplace (see below). You’re doing your students wrong…again. Not only do you continue to heap a load of debt on their backs, but you’re also continuing to not get them ready for the workplace. So don’t be surprised if eventually you’re replaced by a variety of alternatives that students will flock towards.
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DSC: And students don’t have a clue as to what awaits them in the workplace — they see AI-powered tools and technologies at an incredibly low score of only 3%. Yeh, right. You’ll find out. Here’s but one example from one discipline/field of work –> Thomson Reuters Survey: Over 95% of Legal Professionals Expect Gen AI to Become Central to Workflow Within Five Years

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Figure 15. Competency Areas Expected to Be Important for Career

 

Reflections on “Are You Ready for the AI University? Everything is about to change.” [Latham]

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Are You Ready for the AI University? Everything is about to change. — from chronicle.com by Scott Latham

Over the course of the next 10 years, AI-powered institutions will rise in the rankings. US News & World Report will factor a college’s AI capabilities into its calculations. Accrediting agencies will assess the degree of AI integration into pedagogy, research, and student life. Corporations will want to partner with universities that have demonstrated AI prowess. In short, we will see the emergence of the AI haves and have-nots.

What’s happening in higher education today has a name: creative destruction. The economist Joseph Schumpeter coined the term in 1942 to describe how innovation can transform industries. That typically happens when an industry has both a dysfunctional cost structure and a declining value proposition. Both are true of higher education.

Out of the gate, professors will work with technologists to get AI up to speed on specific disciplines and pedagogy. For example, AI could be “fed” course material on Greek history or finance and then, guided by human professors as they sort through the material, help AI understand the structure of the discipline, and then develop lectures, videos, supporting documentation, and assessments.

In the near future, if a student misses class, they will be able watch a recording that an AI bot captured. Or the AI bot will find a similar lecture from another professor at another accredited university. If you need tutoring, an AI bot will be ready to help any time, day or night. Similarly, if you are going on a trip and wish to take an exam on the plane, a student will be able to log on and complete the AI-designed and administered exam. Students will no longer be bound by a rigid class schedule. Instead, they will set the schedule that works for them.

Early and mid-career professors who hope to survive will need to adapt and learn how to work with AI. They will need to immerse themselves in research on AI and pedagogy and understand its effect on the classroom. 

From DSC:
I had a very difficult time deciding which excerpts to include. There were so many more excerpts for us to think about with this solid article. While I don’t agree with several things in it, EVERY professor, president, dean, and administrator working within higher education today needs to read this article and seriously consider what Scott Latham is saying.

Change is already here, but according to Scott, we haven’t seen anything yet. I agree with him and, as a futurist, one has to consider the potential scenarios that Scott lays out for AI’s creative destruction of what higher education may look like. Scott asserts that some significant and upcoming impacts will be experienced by faculty members, doctoral students, and graduate/teaching assistants (and Teaching & Learning Centers and IT Departments, I would add). But he doesn’t stop there. He brings in presidents, deans, and other members of the leadership teams out there.

There are a few places where Scott and I differ.

  • The foremost one is the importance of the human element — i.e., the human faculty member and students’ learning preferences. I think many (most?) students and lifelong learners will want to learn from a human being. IBM abandoned their 5-year, $100M ed push last year and one of the key conclusions was that people want to learn from — and with — other people:

To be sure, AI can do sophisticated things such as generating quizzes from a class reading and editing student writing. But the idea that a machine or a chatbot can actually teach as a human can, he said, represents “a profound misunderstanding of what AI is actually capable of.” 

Nitta, who still holds deep respect for the Watson lab, admits, “We missed something important. At the heart of education, at the heart of any learning, is engagement. And that’s kind of the Holy Grail.”

— Satya Nitta, a longtime computer researcher at
IBM’s Watson
Research Center in Yorktown Heights, NY
.

By the way, it isn’t easy for me to write this. As I wanted AI and other related technologies to be able to do just what IBM was hoping that it would be able to do.

  • Also, I would use the term learning preferences where Scott uses the term learning styles.

Scott also mentions:

“In addition, faculty members will need to become technologists as much as scholars. They will need to train AI in how to help them build lectures, assessments, and fine-tune their classroom materials. Further training will be needed when AI first delivers a course.”

It has been my experience from working with faculty members for over 20 years that not all faculty members want to become technologists. They may not have the time, interest, and/or aptitude to become one (and vice versa for technologists who likely won’t become faculty members).

That all said, Scott relays many things that I have reflected upon and relayed for years now via this Learning Ecosystems blog and also via The Learning from the Living [AI-Based Class] Room vision — the use of AI to offer personalized and job-relevant learning, the rising costs of higher education, the development of new learning-related offerings and credentials at far less expensive prices, the need to provide new business models and emerging technologies that are devoted more to lifelong learning, plus several other things.

So this article is definitely worth your time to read, especially if you are working in higher education or are considering a career therein!


Addendum later on 4/10/25:

U-M’s Ross School of Business, Google Public Sector launch virtual teaching assistant pilot program — from news.umich.edu by Jeff Karoub; via Paul Fain

Google Public Sector and the University of Michigan’s Ross School of Business have launched an advanced Virtual Teaching Assistant pilot program aimed at improving personalized learning and enlightening educators on artificial intelligence in the classroom.

The AI technology, aided by Google’s Gemini chatbot, provides students with all-hours access to support and self-directed learning. The Virtual TA represents the next generation of educational chatbots, serving as a sophisticated AI learning assistant that instructors can use to modify their specific lessons and teaching styles.

The Virtual TA facilitates self-paced learning for students, provides on-demand explanations of complex course concepts, guides them through problem-solving, and acts as a practice partner. It’s designed to foster critical thinking by never giving away answers, ensuring students actively work toward solutions.

 

Online higher education is projected to pass an impressive if little-noticed milestone this year: For the first time, more American college students will be learning entirely online than will be learning 100 percent in person.


Most college students are taking online classes, but they’re paying just as much as in-person students — from hechingerreport.org by Jon Marcus
Rather than lowering the price, some universities use online courses to subsidize everything else

Online higher education is projected to pass an impressive if little-noticed milestone this year: For the first time, more American college students will be learning entirely online than will be learning 100 percent in person.

Bittner’s confusion about the price is widespread. Eighty percent of Americans think online learning after high school should cost less than in-person programs, according to a 2024 survey of 1,705 adults by New America.


 

 

Who does need college anymore? About that book title … — from Education Design Lab

As you may know, Lab founder Kathleen deLaski just published a book with a provocative title: Who Needs College Anymore? Imagining a Future Where Degrees Won’t Matter.

Kathleen is asked about the title in every media interview, before and since the Feb. 25 book release. “It has generated a lot of questions,” she said in our recent book chat. “I tell people to focus on the word, ‘who.’ Who needs college anymore? That’s in keeping with the design thinking frame, where you look at the needs of individuals and what needs are not being met.”

In the same conversation, Kathleen reminded us that only 38% of American adults have a four-year degree. “We never talk about the path to the American dream for the rest of folks,” she said. “We currently are not supporting the other really interesting pathways to financial sustainability — apprenticeships, short-term credentials. And that’s really why I wrote the book, to push the conversation around the 62% of who we call New Majority Learners at the Lab, the people for whom college was not designed.” Watch the full clip

She distills the point into one sentence in this SmartBrief essay:  “The new paradigm is a ‘yes and’ paradigm that embraces college and/or other pathways instead of college or bust.”

What can colleges do moving forward?
In this excellent Q&A with Inside Higher Ed, Kathleen shares her No. 1 suggestion: “College needs to be designed as a stepladder approach, where people can come in and out of it as they need, and at the very least, they can build earnings power along the way to help afford a degree program.”

In her Hechinger Report essay, Kathleen lists four more steps colleges can take to meet the demand for more choices, including “affordability must rule.”

From white-collar apprenticeships and micro-credential programs at local community colleges to online bootcamps, self-instruction using YouTube, and more—students are forging alternative paths to GREAT high-paying jobs. (source)

 

2025 College Hopes & Worries Survey Report — from princetonreview.com
We surveyed 9,317 college applicants and parents about their dream schools and their biggest college admission and financial aid challenges.
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College operating costs rose 3.4% in fiscal 2024 — from highereddive.com by Ben Unglesbee
Commonfund Institute’s latest Higher Education Price Index shows that cost spikes slowed — but that doesn’t make them any less painful.

Dive Brief:

  • Costs for operating a college rose 3.4% in fiscal 2024, according to the latest Higher Education Price Index from the Commonfund Institute.
  • The price increases outpaced Commonfund’s preliminary projections this spring of 3% for the year. However, the HEPI showed that inflation has slowed more than half a percentage point from fiscal 2023 and is down nearly 2 percentage points from 2022’s 5.2% inflation rate.
  • Utility prices and those for supplies and materials slowed the most significantly, after recent years of volatility in those areas. While costs for institutions are cooling, “there is an ongoing trend of inflation rates remaining elevated compared with the previous decade,” Commonfund said.

Speaking of higher education, also see:

  • 25 Stats for 2025 — from insidehighered.com by Ashley Mowreader
    Inside Higher Ed compiled two dozen–plus data points to help guide strategic decision-making and student success initiatives on college campuses.
 

US College Closures Are Expected to Soar, Fed Research Says — from bloomberg.com

  • Fed research created predictive model of college stress
  • Worst-case scenario forecasts 80 additional closures

The number of colleges that close each year is poised to significantly increase as schools contend with a slowdown in prospective students.

That’s the finding of a new working paper published by the Federal Reserve Bank of Philadelphia, where researchers created predictive models of schools’ financial distress using metrics like enrollment and staffing patterns, sources of revenue and liquidity data. They overlayed those models with simulations to estimate the likely increase of future closures.

Excerpt from the working paper:

We document a high degree of missing data among colleges that eventually close and show that this is a key impediment to identifying at risk institutions. We then show that modern machine learning techniques, combined with richer data, are far more effective at predicting college closures than linear probability models, and considerably more effective than existing accountability metrics. Our preferred model, which combines an off-the-shelf machine learning algorithm with the richest set of explanatory variables, can significantly improve predictive accuracy even for institutions with complete data, but is particularly helpful for predicting instances of financial distress for institutions with spotty data.


From DSC:
Questions that come to my mind here include:

  • Shouldn’t the public — especially those relevant parents and students — be made more aware of these types of papers and reports?
    .
  • How would any of us like finishing up 1-3 years of school and then being told that our colleges or universities were closing, effective immediately? (This has happened many times already.) and with the demographic cliff starting to hit higher education, this will happen even more now.
    .
    Adding insult to injury…when we transfer to different institutions, we’re told that many of our prior credits don’t transfer — thus adding a significant amount to the overall cost of obtaining our degrees.
    .
  • Would we not be absolutely furious to discover such communications from our prior — and new — colleges and universities?
    .
  • Will all of these types of closures move more people to this vision here?

Relevant excerpts from Ray Schroeder’s recent articles out at insidehighered.com:

Winds of Change in Higher Ed to Become a Hurricane in 2025

A number of factors are converging to create a huge storm. Generative AI advances, massive federal policy shifts, broad societal and economic changes, and the demographic cliff combine to create uncertainty today and change tomorrow.

Higher Education in 2025: AGI Agents to Displace People

The anticipated enrollment cliff, reductions in federal and state funding, increased inflation, and dwindling public support for tuition increases will combine to put even greater pressure on university budgets.


On the positive side of things, the completion rates have been getting better:

National college completion rate ticks up to 61.1% — from highereddive.com by Natalie Schwartz
Those who started at two-year public colleges helped drive the overall increase in students completing a credential.

Dive Brief:

  • Completion rates ticked up to 61.1% for students who entered college in fall 2018, a 0.5 percentage-point increase compared to the previous cohort, according to data released Wednesday by the National Student Clearinghouse Research Center.
  • The increase marks the highest six-year completion rate since 2007 when the clearinghouse began tracking the data. The growth was driven by fewer students stopping out of college, as well as completion gains among students who started at public two-year colleges.
  • “Higher completion rates are welcome news for colleges and universities still struggling to regain enrollment levels from before the pandemic,” Doug Shapiro, the research center’s executive director, said in a statement dated Wednesday.

Addendum:

Attention Please: Professors Struggle With Student Disengagement — from edsurge.com

The stakes are huge, because the concern is that maybe the social contract between students and professors is kind of breaking down. Do students believe that all this college lecturing is worth hearing? Or, will this moment force a change in the way college teaching is done?

 

Adapting to the future | Educause

Institutions are balancing capacity issues and rapid technological advancements—including artificial intelligence—while addressing a loss of trust in higher education.

To adapt to the future, technology and data leaders must work strategically to restore trust, prepare for policy updates, and plan for online education growth.



 

Hopping on the Affordability Bandwagon — from insidehighered.com by Liam Knox
Five selective colleges launched strikingly similar student aid initiatives last week for low- and middle-income students. What’s behind the frenzy to boost financial aid?

The announcements have come pouring in at a time when public resentment of elite institutions has reached a fever pitch, doubts about the value of college are at a historic high and the impact of the Supreme Court’s affirmative action ruling on demographics is becoming clear. And after last year’s bungled FAFSA rollout, families are warier than ever of financial aid promises.

“We know what’s going on with confidence in higher education, and one element of that is increasing cost and increasing debt levels,” said James Milliken, chancellor of the UT system.

It’s part of a broader marketing and recruitment effort to raise awareness of the financial aid resources at colleges with staggeringly high sticker prices—she calls it a “clear cost” initiative. And as more colleges expand financial aid, it creates a domino effect among peer institutions looking to compete for highly qualified applicants from lower income brackets, she said.

Tania LaViolet, director of research and innovation at the Aspen Institute

 

What DICE does in this posting will be available 24x7x365 in the future [Christian]

From DSC:
First of all, when you look at the following posting:


What Top Tech Skills Should You Learn for 2025? — from dice.com by Nick Kolakowski


…you will see that they outline which skills you should consider mastering in 2025 if you want to stay on top of the latest career opportunities. They then list more information about the skills, how you apply the skills, and WHERE to get those skills.

I assert that in the future, people will be able to see this information on a 24x7x365 basis.

  • Which jobs are in demand?
  • What skills do I need to do those jobs?
  • WHERE do I get/develop those skills?


And that last part (about the WHERE do I develop those skills) will pull from many different institutions, people, companies, etc.

BUT PEOPLE are the key! Oftentimes, we need to — and prefer to — learn with others!


 

New Study Reveals Keys to Re-Engaging the 41.9 Million Americans with Some College, but No Credential — from globenewswire.com by StraighterLine
Students’ Perception of the Value of a Degree Drops 50% After Stopping Out

Key Findings Included:

  • Financial Barriers Remain Significant. 58% of respondents note their current financial situation would not allow them to afford college tuition and related expenses. 72% cite affordable tuition or cost of the program as a necessary factor for re-enrollment.
  • Shifting Perceptions of Degree Value. While 84% of respondents believed they needed a degree to achieve their professional goals before first enrolling, only 34% still hold that belief.
  • Trust Deficit in Higher Education. Only 42% of respondents agree that colleges and universities are trustworthy, underscoring a trust deficit that institutions must address.
  • Key Motivators for Re-enrollment. Salary improvement (53%), personal goals (44%), and career change (38%) are the top motivators for potential re-enrollment.
  • Predicting Readiness to Re-enroll. The top three factors predicting adult learners’ readiness to re-enroll are mental resilience and routine readiness, positive opinions on institutional trustworthiness and communication, and belief in the value of a degree.
  • Communication Preferences. 86% of respondents prefer email communication when inquiring about programs, with minimal interest in chatbots (6%).
 
© 2025 | Daniel Christian