This Scorecard Could Help Make College More Affordable for Millions of Americans

When it comes to important decisions in a young person’s life, picking the right college (for both educational and financial reasons) ranks right at the top. So it makes sense to do some research beyond the rankings from the folks at U.S. News & World Report.
That’s where President Barack Obama’s College Scorecard comes in, as he says, to help you discover “where you can get the most bang for your educational buck.” The U.S. Department of Education grades universities by alternative criteria like graduation and loan default rates, which are arguably more important than the number of Nobel Prize-winning professors a school employs.
Potential applicants might be interested to know, for example, that Harvard is the best deal for a top-10 school (the average student pays $14,445 annually) or that Columbia University in New York City has the highest loan default rate amongst all the Ivy League schools (2.9 percent, which is still far lower than national average of 14.7 percent).
“We know students and families are often overwhelmed in the college search process, but feel they lack the tools to sort through the information and decide which school is right for them,” Secretary of Education Arne Duncan says. “The College Scorecard provides a snapshot about an institution’s cost and value to help families make smart decisions about where to enroll.”
The site has drawn some criticism as being overly simplistic — it currently shows only four criteria — in grading something as intangible as the value of a liberal-arts education (although you can measure faculty degrees and student ratios). And others have called for data that would be directly relevant to at-risk students, like demographics and outcomes for racial minority, low-income or first-generation students.
Sure, the scores aren’t perfect, but the scorecard has started a conversation about college and affordability. It’s a start, providing plenty of interesting data. Here’s some findings we gleaned from the site, among the top 50 national universities:

  • Georgia Institute of Technology (#35) is offering the best deal on a four-year degree from a national university. The average net price (meaning the cost students pay after scholarships and grants are deducted) is $9,116. Four years at Georgia Tech will get you just one at the country’s most expensive school, New York University (#32), where the average net price is $37,656.
  • Harvard (#2) students, as you may expect, are most likely to don a cap and gown. They have the highest graduation rate — 97 percent — among the top colleges. Case Western Reserve University (#36) in Cleveland, on the other hand, has the lowest. Only 77.8 percent earn a diploma within six years.
  • Alumni from Duke University (#8), in Durham, N.C., generally have the smallest bill to worry about after graduation. Families typically borrow $8,000 in federal loans, which works out to a repayment schedule of about $92 per month over 10 years. High-priced New York University again bottoms out the list. Families take out an average of $32,090 in federal loans, which means they’ll be paying about $369 a month for a decade.
  • Graduates of Stanford University (#4), near Palo Alto, Calif., top the list in their ability to manage student loans. Only 0.7 percent default on their federal student loans within three years of beginning to pay them back. (No surprise, considering that Silicon Valley’s not too far away.) Happy Valley in Pennsylvania, on the other hand, isn’t nearly as lucrative. Eight percent of students from Penn State’s University Park campus (#48) default on their student loans.

Half a million unique visitors checked out the scorecard last year, but the government thinks it can reach an even wider audience: not just high schoolers and their families, but also nontraditional students older than the age of 25 (a demographic that accounts for half of all college students). Before next fall’s application season begins, the department plans to release long-promised data on employment rates and starting salaries, and there’s talk of eventually tying some of the federal government’s $150 billion in financial aid and state government’s $70 billion for public colleges to school performance.
Now more than ever, as unpaid student loans total an unbelievable $1.16 trillion, it’s a valuable tool to find a degree that’s worth more than just ink on paper.
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Millions of College Students Lose Out on Financial Aid Because of the FAFSA. Here Are 4 Solutions

We’ve all heard the news reports about the massive amounts of debt that college graduates leave school with. (On average, each student owes $29,400.)
Which makes the FAFSA (short for Free Application for Federal Student Aid), the form that helps students get funding for college, more important than ever. But there are major hurdles in completing it: It’s complicated, boring, and many students and their parents don’t even know about it.
Because of these reasons, millions of low- and middle-income students don’t fill it out each academic year — meaning that they’re missing out on grants, loans and work-study programs. It also might mean they skip college altogether because they think it’s unaffordable.
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But it’s crucial for all students to complete their FAFSA. As NPR reports, “Research shows that many of the students who don’t fill out the form would be eligible to go to college at a cost of next to nothing if they did.”
So how do we make the FAFSA more accessible?
1. Make the form shorter and simpler. Some lawmakers have proposed that the FAFSA can be condensed into two pieces of information: their family size and household income two years prior. This form will come in the handy-dandy size of a postcard.
2. Bombard them with text reminders. The sky is blue, the grass is green, teens like to text. According to NPR, University of Virginia researchers found that when high school seniors were texted about finishing their FAFSA, they were 5 to 8 percent more likely to enroll into a two-year institution compared with seniors who didn’t get the texts. Another study found that when community college freshmen received the reminders, they were 12 percent more likely to fill out the form for sophomore year.
3. Streamline FAFSA with federal tax returns. It’s an idea that would cut out the complications of filing a FAFSA altogether since a student’s financial aid eligibility would be indicated by their family’s tax return, according to the Hechinger Report. There’s also the suggestion to reserve Pell Grants for families below 150 percent of the federal poverty level (about $35,000 for a family of four), with smaller grants for families between 150 and 250 percent (almost $59,000 for a family of four), the report stated.
4. Check up on them. This is a plan proposed by the Commander in Chief himself. President Obama wants to launch an online FAFSA completion tool that helps high schools verify whether students have completed the form or not (and then nudge them to finish it). There’s already a similar tool, where anyone can see the overall rates of FAFSA completion at various high schools nationwide.
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America’s Future: Meet the 2014 White House Science Fair Exhibitors

On Tuesday, the White House was the backdrop to the country’s brightest students and their innovations — including hovercrafts, robots, and solar energy-powered contraptions — that potentially could be the game-changing ideas that make up America’s future.
At the fourth annual White House Science Fair, President Barack Obama welcomed a host of youth from across the country to share their ideas, designs, and experiments in science, technology, engineering and math (more commonly known as STEM subjects). This year’s event also focused on females excelling in STEM fields, according to the White House website.

“If you win the NCAA championship, you come to the White House. Well, if you’re a young person and you produce the best experiment or design, the best hardware or software,” said President Obama, “you ought to be recognized for that achievement, too.”

Among the host of young people was 12-year-old Peyton Robertson. As a native of Fort Lauderdale, Florida, Robertson is familiar with flooding and salt-water damage since he grew up in the area of the Sunshine State where hurricanes often strike. So he created a “sandless” sandbag that efficiently protects flood zones. He was recognized as America’s Top Young Scientist at the 2013 Discovery Education 3M Young Scientist Challenge and received $25,ooo for his lightweight, effective design.

Elana Simon, 18, also presented her work, which focuses on patients coping with fibrolamellar, a type of rare liver cancer that she herself endured at age 12. Simon worked with one of her former surgeons to gather tissue samples from fibrolamellar patients to perform genomic sequencing tests and discovered a common genetic mutation among them. Her results have been published in the renowned journal Science, plus she is a recent winner of the American Association for Cancer Research’s Junior Champion in Cancer Research Award. She has also presented her work in front of 16,000 cancer researchers and will attend Harvard this fall to study computer science.

Girl Scout Troop 2612 of Tulsa, Oklahoma, were also among their much-older peers, presenting their design for a “Flood Proof Bridge,” which includes a computer program that automatically retracts the bridge when flood conditions are detected by a motion sensor embedded in the river bed.  Eight-year-olds Avery Dodson, Natalie Hurley, Miriam Schaffer, Claire Winton, and Lucy Claire Sharp came up with the model as part of the Junior FIRST Lego League’s Disaster Blaster Challenge, which prompted elementary school students to experiment with simple machines, motorized parts, engineering, and math to create solutions for natural disasters like floods and earthquakes. The intrepid troop built the idea on the notion that first responders had trouble reaching certain communities because of bridges in the wake of the Estes Park, Colorado flood. They not only built the model but also developed the computer program, too.
Check out the rest of the exhibitors here.
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6 Things You Need to Know About This Year’s Medal of Honor Recipient

This afternoon, President Barack Obama presented the 2014 Medal of Honor to former Army Sergeant Kyle J. White, 27, for his courageous actions while serving in Operation Enduring Freedom in Afghanistan. Here are six other facts about the military hero that are sure to inspire you:
1. White received the highest military honor for his heroism while serving as a Platoon Radio Telephone Operator assigned to C Company, 2nd Battalion (Airborne), 503rd Infantry Regiment, 173rd Airborne Brigade, during combat operations against an armed enemy in Nuristan Province, Afghanistan on November 9, 2007. The Sergeant and his team of 14 were ambushed when trying to meet with village elders. Though White was knocked unconscious during the fire fight, he eventually awoke and ran through gunfire to protect his fellow soldiers, and saved a fellow unit member’s life. According to Army reports, White would only allow himself to be evacuated after fellow wounded soldiers were helped first.
2. He’s the 7th living recipient of the honor for combat actions in Afghanistan or Iraq. More than 3,400 Medals of Honor have been given to service members since it was first authorized in 1861.
3. His military career began in Georgia, where he went through basic and advanced individual training, and U.S. Army Airborne School consecutively, at Fort Benning, Ga. White was then assigned to the 2-503rd, at Camp Ederle, Italy, from 2006 to 2008 and deployed to Aranas, Afghanistan in spring 2007. He was assigned to the 4th Ranger Training Battalion, at Fort Benning, from 2008 to 2010, before departing active-duty Army in May 2011.
4. White is a Seattle native who now lives in Charlotte, where he received a B.S. in business administration from the the University of North Carolina at Charlotte. He currently works for the Royal Bank of Canada as an investment analyst.
5. White was diagnosed with Post Traumatic Stress Disorder following that fatal incident in Afghanistan. He received professional help and has become a vocal advocate of receiving mental health assistance to fellow warriors.
6. He’s a big believer in education, especially for returning servicemembers. “I really want to…help educate servicemembers that are thinking about leaving the service and going back into the civilian world…about the post-9/11 G.I. Bill and the importance of an education and really, you know, how necessary it is for certain jobs out there,” White told Stars and Stripes.
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The Death of the Hanging Chad: How to Build a Better Ballot

There were few hotter spots on the political map in 2012 than the state of Ohio. President Barack Obama and Republican Party nominee Mitt Romney visited the swing state no fewer than 83 times combined over the course of the calendar year. And for good reason: Ohio has picked the winning presidential candidate in every election since 1960.
Heading into Election Day, polls showed the president had a narrow edge. On election night, Fox News, among others, called Ohio for Obama, putting him over the top and effectively ending the evening. The veteran Republican operative Karl Rove flipped out. Angry Republicans demanded a recount, arguing that fraud had influenced the result. It could have been a replay of Florida 2000.
But it wasn’t — thanks, in some small measure, to the efforts of a design consultant named Dana Chisnell. She’s the person election bureaus call to create bulletproof ballots, ones that are clear enough and understandable enough to ensure that every vote counts. For the 2012 election, Chisnell had some specific thoughts for Ohio: Simplify the instructions on the ballot, for starters, and put all the candidates in the race in one column — elements that were missing in Ohio in the 2008 election, when many confused constituents ended up voting twice. “I was confident that the ballots were fine this time,” says Chisnell about the 2012 vote. “When I was talking to the TV on election night, I said, ‘I know it’s not the ballots, you can recount all you want.’”
Fixing how a ballot looks seems like it should be a simple task — choose a design, and stick to it — but in fact each state has its own voting culture, with unique laws and customs that influence its balloting. Oregon and Washington have gone to all vote-by-mail systems, while other states favor electronic touch screens or paper optical scan ballots. New York actually reverted to decades-old lever machines after having multiple problems with newer technology. The result: no one-size-fits-all ballot.
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Into this confusion stepped Chisnell. Fourteen years ago, she was living in San Francisco and running a private consulting business, advising firms on how to improve the language and look of their websites by talking to users and testing the results. The year was 2000, and the country was in the throes of its ballot woes.
The infamous butterfly ballot, a staggered two-page layout with candidate names on alternating sides of a central punch-button column, had caused much confusion among Florida voters. Palm Beach County’s election supervisor had made the fateful mistake of enlarging the type on the ballot to accommodate Sunbelt voters’ aging eyes — unwittingly throwing off the alignment in the process. “It was pretty easy to vote for Pat Buchanan instead of Al Gore,” says Chisnell, who observed the saga unfolding on TV. “All the crazy recounts were happening not because of a security problem but because of a basic design problem. People had voted for candidates they didn’t intend to because of the design of the ballots.
Chisnell watched, fascinated by on-the-street interviews with grannies complaining that they felt tricked because the ballot was difficult to use. (She has since learned that about 20 percent of Florida voters were exposed to hard-to-read ballots.) This got her thinking: Aren’t there any professional designers involved in creating ballots? She asked around and none of her peers were. She began to search the Internet for ways she could help.
After checking out various government websites, she came across a five-person Ballot Simplification Committee in San Francisco — “It’s like Iron Chef for editors,” says Chisnell — that was responsible for writing the plain-language descriptions of ballot measures. It took a few years, but she wangled her way onto the committee, obtaining an appointment by the mayor. Chisnell, then 43, was the youngest person in the group by far. “There aren’t that many people who can spend 10 weeks a year working for free on this,” says Chisnell, who served from 2005 to 2009 on the pro bono committee. (Luckily, her day-job clients cut her some slack during exhausting election weeks.)
“Dana was really beneficial to the committee,” says Barbara Carr, management assistant at the San Francisco Department of Elections who served as the clerk on the committee. “She was good at making things clearer without losing the meaning.”
Chisnell resigned from the committee when she moved in 2009 to Boston (for love — she’s getting married this spring), but she’s made ballots an ongoing passion project. She went on to work on the Design for Democracy project — a group dedicated to using design tools to make ballots and voting more understandable; it researched and set forth the best practices for creating printed ballots, optical scan ballots, signs and posters at polling places. But Chisnell realized that getting various state election officials to implement the project’s 300 pages of findings would be tough. What’s more, the Election Assistance Commission in Silver Spring, Md., the major government backer of ballot research, was being gutted; research money was drying up. Chisnell and her colleagues feared that their findings would just sit there, gathering dust.
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One day, in the summer of 2011, after Chisnell had given a speech about the issue at a conference in Portland, Ore., a man approached her — “I had hoped he was a wealthy donor!” says Chisnell — and suggested she do a Kickstarter project to make use of her findings. With his help, she did. Working with colleagues Whitney Quesenbery and Drew Davies, Chisnell came up with the idea of raising money to create tiny field-guide booklets with easy-to-implement, actionable tips — the boiled-down essence of their research. “It was a stroke of genius on Dana’s part to take the big pile of paper and get it down to something cute,” says Quesenbery. “If it’s cute, it can’t be that hard to implement.”
Among her colleagues’ suggestions: Don’t use all upper-case letters, because they’re harder to read. Avoid centered type. Pick one sans serif font instead of many. And use shading and contrast to help voters navigate the different races featured on the ballot. “Simple things have had the most impact,” says Chisnell.
Chisnell launched a successful Kickstarter campaign in April 2012 to fund the creation of the Field Guides to Ensuring Voter Intent series. Her slogan: Democracy is a design problem. She emailed her entire address book, begging family and friends for money and asking them to do the same. With the support of 320 backers, Chisnell raised $20,761, exceeding her goal of $15,000. “The payoff wasn’t really the funding, but meeting a community of people who are really interested in this topic,” says Chisnell.
The Kickstarter campaign also caught the attention of the people at the MacArthur Foundation, which awarded Chisnell and her team of 30 volunteers a $75,000 grant. The money went to the creation, promotion and distribution of eight booklets on topics such as designing usable ballots, writing instructions that voters can easily understand and sprucing up election department websites. The money also financed two more studies on creating more effective county election websites and printed voter education material.
The guides are now in their third printing, with 1,500 sets being used in 43 states and in four Canadian and European provinces. Demand has exceeded supply. Georgia requested one set for every county. So did Ohio. “The measure of success is whether we have fewer spoiled ballots, fewer calls to the call center and fewer recounts,” says Chisnell, who notes that outcomes have been anecdotal. “We do [have all that], although it’s hard to say this is all because of the field guides, but we are pretty confident they’re making a difference.”
Election officials certainly agree. In the fateful 2012 elections in Ohio, Chisnell’s counsel was a godsend. “We took as many of the suggestions as we could from her,” says Matt Masterson, deputy chief of staff for the Ohio secretary of state, who noted that almost all of Chisnell’s ideas involved no additional costs. “She really made the ballot easier to use.” And her ideas worked. “Based on what we saw with the 2012 election undervotes and overvotes, time in the ballot box and general feedback from the boards,” says Masterson, “we have no doubt that the suggestions Dana provided had a positive impact.”
These days, Chisnell is still working to make every vote count. She testified before the Presidential Commission on Election Administration in Pennsylvania and Ohio about using ballot design to improve the election experience, especially in response to the long lines at the polls in 2012. She and Quesenbery have started the Center for Civic Design, which they hope to make into a funded research center. She’s also looking for ways to make multilingual ballots easier to use.
“Dana is one of the entrepreneurs in this field,” says Lawrence Norden, deputy director of the Democracy Program at the Brennan Center for Justice at New York University, who has worked closely with her. “There is a huge need for the work she is doing and not a lot of support for it. She is making change happen through her own will.”
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Could a National Sales Tax Ease American Inequality?

The U.S. has one of the highest levels of income inequality among the world’s industrialized nations. The imbalance between rich and the poor is a popular political topic — President Barack Obama even focused his State of the Union address on the issue. Michigan State University law professor Reuven S. Avi-Yonah has an idea that he can help: he wants to implement a national sales tax.
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Sure, this idea is probably at the very top of the list for politically unpopular topics, but don’t write Avi-Yonah off just yet. By using the Gini Coefficient, a measure of statistical dispersion that represents income distribution, Avi-Yonah discovered that income inequality in the U.S. is on the rise while social mobility is on the decline, making it one of the most unequal developed economies, while countries like Germany and Japan are more balanced. By comparing the U.S. to these countries, he found a clear difference: the presence of a national sales tax — or, more specifically, a value added tax (VAT). While states levy a sales tax on consumers who purchase goods and services, funds from a national sales tax could go even further.  “One key to reducing inequality in the U.S. is to bolster the social safety net,” Avi-Yonah writes in his report.
But why a national sales tax over other forms of funding? For one, these types of taxes are used in more than 150 countries and have a demonstrated ability to raise revenues. VATs are not income taxes, which are easy for some Americans to avoid and can discourage work. Sales taxes are also paid by all members of society — the old and young, rich and poor. Plus, a sales tax is cheaper to administer than income taxes. Sound like a no-brainer? Well, try getting any new tax past congress.
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