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The Bank of Academic Credit

November 24, 2009

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Off-again, on-again students in a dozen states who have some postsecondary educational experience but no degree may soon be able to turn to a regional group for help in figuring out what they need to do to get a diploma in their hands.

The Midwestern Higher Education Compact has begun work on the Credential Repository for Education, Skills and Training (Midwest-CREST), a virtual bank for students to collect the credits they’ve earned from multiple colleges and universities, and then plot a clear path toward a degree. Students might turn to the repository already knowing where they want to enroll or to be recruited based on how their accomplishments fit with an institution’s degree requirements. Colleges and universities might be able to formulate a “bid” to help a student finish his or her degree, laying out the curriculum and costs associated with fulfilling graduation requirements.

“There are so many people out there with some college and no degree,” said Larry A. Isaak, MHEC’s president. “This would be a one-stop shop for institutions to view what people have and how that fits in with the institution’s requirements for degrees, whether the student’s already decided to enroll or hasn’t even considered that college or university."

The credit bank reflects the idea that one way for the United States to grow the proportion of the population with a college degree is to focus on getting people who have dropped out get back on track toward graduation.

Midwest-CREST is still in its early stages, Isaak said, and will go through at least a year of research and planning to formulate a system that functions for its 12 members -- Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota and Wisconsin.

The process will be complicated, with so many institutional and state variations, as well as countless determinations to be made about how to document and credit job training and work experience. Policy groups including the Brookings Institution’s Great Lakes Economic Initiative and Kansas State University’s Institute for Academic Alliances will contribute to those efforts. The latter will “set up an infrastructure, the legal agreements that have to be put in place, the policies and procedure for day to day activities to make it all work,” said Dawn Anderson, a project coordinator there.

The project will in part be funded by MHEC, but has also secured financial and symbolic support from the Bill and Melinda Gates Foundation. It has awarded the compact $100,000 to explore the possibility of creating the repository.

Marie Groark, a Gates spokeswoman, said the foundation -- which has invested hundreds of millions of dollars in college completion initiatives for traditional-age students -- chose to back the effort because it would work “to build a system that doesn’t penalize people for their choices but helps to facilitate their progress to help them get through to earn a degree.”

Midwest-CREST, she said, is the first credit bank Gates has funded but is an idea that makes perfect sense in an era in which “most kids don’t just start at one school and finish there in four years or two years.” They may not finish at all and may not be considered “kids” by the time they accumulate enough credits to earn a degree.

Isaak said that since announcing the Gates grant earlier this month, he has heard from several member institutions and philanthropic groups interested in playing a role in creating Midwest-CREST. “There’s a real need to increase the number of people in this country who have a postsecondary certificate or degree,” he said. “Foundations and institutions understand that there are all these people out there with some work already done toward those goals.”

Linda L. Baer, senior vice chancellor for academic/student affairs for Minnesota State Colleges and Universities, is one administrator who’s expressed interest. Her system has been working with the University of Minnesota system, as well as public institutions in North Dakota, to determine “how we might coordinate better” to help students finish degrees they might begin at one institution and want to complete at another.

She said her system wants to “see where this opportunity might go.” If it “can help workers gain more certificates or competencies so that they can get into the workforce sooner or improve our employers’ productivity, we’re all in favor of that.”

Technical degrees might be a logical place for the collaboration to begin, she said, because “many industries have standard competencies they expect of all workers across the country.” The degree requirements for auto mechanics or nursing vary from institution to institution and from state to state, but may not be as dramatic as the departmental and institutional differences in the requirements toward a bachelor of arts degree.

Institutions, Isaak said, will have the ultimate authority "to decide whether to accept the credit, to define their own graduation requirements and so forth." But his hope is that institutions will figure out creative ways to educate and credential students. "This is an opportunity to take credits, put them all in one place, then see what is possible for a students and what they need to do to get a degree."

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Comments on The Bank of Academic Credit

  • Degree Mania
  • Posted by RJW on November 24, 2009 at 7:45am EST
  • In a model that includes the statement "degree requirements for auto mechanics" should make any rational person nervous as it begs a credible context. I am not interested in his/her degree but would greatly value their actual hands-on knowledge and skills, something "degrees" are largely missing any correlation much less measure. Further, the statement made by Isaak that “There’s a real need to increase the number of people in this country who have a postsecondary certificate or degree” makes one wonder if this Credential Repository for Education, Skills and Training (Midwest-CREST) is simply an idea latched onto the degree mania driving the political and academic dialogue today. Recognizing there are worthwhile degrees as well as worthless ones, where exactly does this fit the need for better assurance on the validity of a degree as distinct from some well-intentioned but ultimately contrived model of a degree that is increasingly becoming a symbolic shell with little meaning. Forget the degree and figure out a better model for measuring competencies that actually matter.

  • Posted by Steve Foerster , Alumni Association Board Member at Charter Oak State College on November 24, 2009 at 10:30am EST
  • This is already a solved problem. Assessment colleges, schools like Charter Oak State College in Connecticut, Excelsior College in New York, and Thomas Edison State College in New Jersey, will accept transfer credit as most or even all of a Bachelor's degree:

    http://community.elearners.com/blogs/atsu/archive/2008/12/20/assessment-colleges.aspx

    Perhaps these Midwestern states could simply have asked one of the schools in their region to follow suit?

  • credit bank robbers
  • Posted by George Gollin , Professor of Physics at University of Illinois on November 24, 2009 at 11:15am EST
  • Let's hope that the Credit Bankers are able to filter out "credits" supported by counterfeit documents and "credits" sold by degree mills. They'll need considerable expertise in tracking the ever-evolving state licensure practices and state enforcement capabilities, and in parsing the statements concerning recognition of accrediting bodies.

    For example, the scope of recognition of one recognized national accreditor is, according to the Dept. of Education, "the accreditation and preaccreditation... of institutions of higher education and programs within institutions of higher education throughout the United States that offer... degree(s) at the baccalaureate level or a documented equivalency." Note that USDE recognition only applies to the accreditation of domestic institutions and programs.

    But the accreditor describes its scope this way: "the accreditation and preaccreditation of institutions of higher education and programs within institutions of higher education that offer... degrees at the baccalaureate level," without mention of the domestic limitation to its scope. The accreditor grants "International Programmatic Accreditation" to some foreign institutions, at least one of which identifies itself as "fully ACCREDITED by..." and then lists its programs, which include a couple of master's degrees.

    What ever is a credit banker to do? The accreditor misrepresents its scope of recognition and, in turn, the degree provider misrepresents the extent to which its accreditor has apparently accredited its programs.

    It's not at all simple, and requires adequate resources to work the due diligence problem. The experts at gaming the system are sophisticated.

    In the dying days of the St. Regis University diploma mill, its owners began constructing academic credit banks, perhaps to sell credit laundering services to other diploma mills. So it's not such a new idea, and has already been targeted for abuse!

    The operators of a credit bank will need to build their procedures to be robust against scammers. Let me end with a quote from something I wrote for "International Higher Education" last spring ( http://www.bc.edu/bc_org/avp/soe/cihe/newsletter/ihe_pdf/ihe55.pdf ):

    Software engineers realize that their new operating systems will be deployed into a perilous networked environment. Aerospace engineers build their jets with an eye toward unexpected thunderstorms and engine failures. These professionals understand that scrupulous attention to system integrity in hostile environments is part of the design process for any complex system.

    The higher education community, however, has not yet evolved a similar professional culture: our organizational structures can be naïve, unintentionally opening new channels for substandard degree providers to misrepresent their legitimacy. We would do well to learn from our engineering colleagues who build systems that are expected to come under attack.

  • Similarity is key to transferability
  • Posted by Alan Contreras , Administrator at Oregon Office of Degree Authorization on November 24, 2009 at 12:30pm EST
  • I concur with Professor Gollin's warning - any system that is designed to add a layer of opaque bureaucracy between a credit-sending school and a credit-receiving school contains a risk of untoward things happening in that gray area.

    Any credit-banking system needs to have certain built-in protections. First, it has to be limited to accredited U.S.-based colleges. Then it has to group colleges into demonstrably comparable groups, probably by virtue of the kind of accreditation they have. Finally, it has to allow sufficient transparency so that questions about the validity of credits can quickly be confirmed with the sending school.

    I think the credit-banking idea has potential, but I'm not sure what it adds to our current system under which colleges can accept whatever transfer credits they deem appropriate.

  • Posted by Steve Foerster , Alumni Association Board Member at Charter Oak State College on November 24, 2009 at 3:00pm EST
  • Conveniently, the evaluation of foreign credit is another solved problem. If the credit bank isn't in a position to maintain international expertise, it can simply require foreign credit to be evaluated by trustworthy third parties such as AACRAO or World Education Services:

    http://www.aacrao.org/international/foreignEdCred.cfm
    http://www.wes.org/

    I'll agree with Mr. Contreras, however, in that I don't yet see an added value of a credit bank relative to other approaches that are already successful.