Personal finance education is most effective when teachers are comfortable with it themselves
By Annamaria Lusardi & Nan J. Morrison, Education Week
Would a school allow athletes into a game without any practice? Send kids to their library or point them online but not help them learn to read? Should schools stop teaching math because some children find it hard or might fail? The notion, as advocated by some, that America should let students slide into adulthood without teaching basic personal finance concepts is equally shortsighted. As a researcher and a leader of a financial education organization, we could not disagree more. In fact, we experience every day the profound, lasting impact that financial education has on our nation’s young people.
One high school senior who recently completed classes in economics and personal finance told us that this practical curriculum was transformational: “At first, it felt like a foreign language. Now, I understand how to make more thoughtful decisions about my life. It’s a new way to think,” the student said. We’re thrilled the teacher was able to get the training necessary to master the subject and inspire kids in another avenue of knowledge.
Not every teacher, student, or school has that option.
“Teachers, like many other Americans, need to build the competence and confidence to teach this subject.”
The 12th grader’s observation puts a fine point on who needs financial education and how to deliver it. If we want to demystify the language of finance and build capability, we must ensure that every child has access to quality financial education. That happens best in the classroom when personal finance is treated like any other subject. Ideally, these essential life lessons should be integrated into the K-12 curriculum—a bit each year, culminating in a full semester class. In a standard math education, for instance, we teach kids to count in kindergarten so they build readiness for algebra years later. Personal finance education should be treated similarly.
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A dispute over pay and class size in Chicago boiled over into the nation’s first charter school strike this month, raising questions about how teachers’ unions, going forward, will reconcile their longheld opposition to charters with their need to pick up more dues-paying members.
The historic walkout—and the concessions won by the Chicago Teachers Union on behalf of the striking charter school teachers—was welcome news for unions, which are predicted to potentially shed substantial members and revenue after the fateful U.S. Supreme Court Janus decision earlier this year.
Soon after the strike started, people began asking whether cracks were starting to show in the charter movement, the first viable public alternative—and challenge—to traditional public schools. For so long the charter movement has steadily expanded in many American cities, propelled by some of the world’s wealthiest philanthropists.
The Chicago teachers’ strike has been largely cast in the media as a major symbolic win for teachers’ unions and a warning sign for charter schools and their supporters.
But there are equally fraught—if less examined—questions facing unions as they simultaneously decry charters as the tools of billionaires trying to privatize public education and encourage charter teachers to join their ranks. A growing unionized workforce in the charter sector may very well require changes from teachers’ unions as well as charter schools.
Anti-Charter Policy Pushes
Unions have longed positioned themselves as the defenders of traditional public schools, and have used their considerable political and financial clout to stymie charters. In Chicago, the Chicago Teachers Union has called for a moratorium on all new charter schools. Elsewhere, unions have lobbied to block additional state funding for charter schools, backed lawsuits challenging the constitutionality of charter schools, campaigned to keep caps on the number of charter schools allowed to open, and called for bans on charter management groups and companies…
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Julie Reulbach doesn’t sell resources on Teachers Pay Teachers, an online marketplace where educators can make money on their lesson plans and classroom materials. Even so, she often sees her work for sale there.
“Everytime I check, I find something,” said Reulbach, a high school math teacher at a private school in Concord, N.C., who has published an instructional blog since 2010. She scans TpT for work from her blog about once every six months. Her site is under a NonCommercial Creative Commons license, so anyone can use, edit, or share her materials—but they are not supposed to sell them.
It’s happening anyway. And Reulbach’s experience isn’t unique.
Nearly a dozen educators who have used or are knowledgeable about the site told Education Week that TpT has a widespread problem with copyright infringement. Teachers said sellers had lifted passages verbatim from their lessons and copied entire pages without permission. While the company provides a reporting mechanism for infractions, it leaves the policing to the rights holders themselves.
The controversy over stolen work has also fueled a larger ideological rift in the teaching community: the division between those who think it’s fine for teachers to make money off their hard work, and those who believe educators should share materials with their colleagues for free.
In a statement, TpT CEO Joe Holland said that the company takes the protection of intellectual property seriously.
“TpT strictly prohibits its sellers from listing material that infringes on the intellectual property rights of others, and we have no desire to have such material on TpT,” he said.
But educators and authors say the company should be doing more to combat what they see as a systemic failure to protect teachers and others who create materials.
‘They Shouldn’t Be Selling It’
When Reulbach sees sellers attempting to make money off of lessons she’s created, she reaches out to them and asks them to take her materials down. “Usually, people contact me and say, ‘I’m really sorry,’” and remove the resource from their store, she said…
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A federal panel led by U.S. Secretary of Education Betsy DeVos that’s charged with making policy recommendations on school shootings in the wake of the massacre at Majory Stoneman Douglas High School last Valentine’s Day promised to have its report out by the end of the year. That means we will see the commission’s report any day now.
So what do we already know about what may be in it? And what should we be watching for? Here’s your quick preview.
The report will almost certainly call for scrapping the Obama administration’s 2014 guidance dealing with discipline disparities. So what happens next?
Almost every advocate watching the commission believes it will recommend ditching Obama guidance, jointly issued by the U.S. Departments of Education and Justice. (The Washington Post reported that this is a for-sure thing last week.) The directive put schools on notice that they may be found in violation of federal civil rights laws if they enforce intentionally discriminatory rules or if their policies lead to disproportionately higher rates of discipline for students in one racial group, even if those policies were written without discriminatory intent. You can read about the arguments for and against the guidance here.
The big question will be, how do school districts react to the change? How many will decide to keep using the practices they set up to respond to the guidance, which supporters say has helped school districts revise their discipline policies to benefit of all kids? And how many will decide to make changes, in part because some educators say the guidance has hamstrung local decision-making on discipline? And will Democrats in Congress, who will control the House as of January, move to somehow formalize the guidance in law? It’s unlikely that would pass a Republican-controlled Senate, but it would send a message and keep the debate going in Washington.
What does the report say about arming teachers and about guns in general?
President Donald Trump said that the massacre at Stoneman Douglas might not have been as bad if educators had been armed. “A teacher would have shot the hell out of him before he knew what happened,” Trump said, referring to Nikolas Cruz, the former student who is accused of the slayings.
Since this is Trump’s commission, after all, it’s hard to imagine the report would come out against arming teachers. But it’s an open question how strong the language will be on this topic. Will the report encourage districts to arm educators, and point out that, under the department’s interpretation of the Every Student Succeeds Act, federal funds can be used to arm educators? (Democrats who helped write the law have a different take.)…
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A few weeks ago when I heard Charleston County School District for the first time had received accreditation I thought, “What the what?”
I was both surprised and concerned. I had never imagined our county school district until then was not accredited. I knew that Charleston County School District has some low performing schools, but it never occurred to me the district was not accredited. I mean, very few things are any good unless it’s accredited. Sure we have some individually challenged schools, but surely the district was accredited, I had just assumed. So hearing that CCSD was just getting accredited for the first time had me flabbergasted.
I remember when I was applying to colleges all those years ago; one of the things I looked at was the school’s accreditation status. I felt like a degree from a non-accredited school wouldn’t mean very much, so accreditation was important. How could it be Charleston County School District was not accredited? So I asked a few questions.
I’m finding that this accreditation business is a very complex issue. The first thing I learned was that although the district as a whole had never been accredited, certain schools – the county’s high schools especially – were. That made sense. High schools had to be accredited otherwise their graduates might not be accepted at institutions of higher learning.
Okay that was a concession, but I still was left wondering how an elite, arrogant community like Charleston County didn’t have an accredited public school district. In one brief exchange with a friend, I asked whether the fact that we received accrediting for the first time was good or bad. My friend answered with an emphatic “good!” I respect my brother Jason’s perspective, but I can’t imagine how being accredited for the first time in its history can be a good thing for a 200-year-old school system. By the way, Charleston County school district is the last Lowcountry school district to receive accreditation. I guess Jason figures better late than never.
Jason and I never got the chance to fully discuss the subject of CCSD accreditation, so I’ve still got a lot of questions I think our community also should be concerned about. First and foremost, just what does being accredited mean? Maybe the folks at South Carolina State University could help. They were facing some real challenges about accreditation.
Like SCSU did as an institution of higher ed, Charleston County School District got its accreditation from one of the foremost accrediting agencies around for education systems– AdvancEd. I looked ‘em up and they apparently can cut the mustard. I was concerned CCSD administrators weren’t just giving us another dog and pony show, hiring some no-name company to take a pay off in exchange for a good rating. But AdvancEd appears to be reputable.
And AdvancEd didn’t just hand over the all-clear without some stipulations! For those of us who have lived here a long time the stipulations seem repetitive – improve governance, classroom culture, school alignment, allocation of resources and community engagement – stuff constituents have complained about for years. AdvancEd gives its accreditation for five-year cycles and will allow the district a few years to make the improvements if it wants to keep the accreditation. I’m anxious to see how that plays out.
At the top of the heap of the stuff that has to be improved is board governance. Charleston County always has had a racist, elitist and self-serving school board. It’s now devolved into a dysfunctional one as well. I’ve seen some back-biting entities – that’s not the nature of the beast, that’s the nature of stupid people! That’s also our fault (voters) because we continue to elect people to the board who don’t serve the interest of the community as a whole. We continue to elect people to Charleston County School Board who serve parochial interests – people who obviously have no understanding of the reality that high tide raises all boats.
I tell people all the time our school system, with all its flaws and inequities, works exactly as it is intended. The system isn’t designed to provide equal education opportunities to all children – and I don’t know where this new cliché about education opportunities depending on zip codes comes from. What does that mean?
Okay, okay, okay. It’s complicated. But you put people in position to achieve certain outcomes. People are spending a lot of money to get elected to the county school board. The first time I heard a guy had spent $50,000 to get elected it blew my mind. Now folks are spending hundreds of thousands of dollars to get elected. They’re forming slates of candidates. You don’t have to be real bright to realize that means people have agendas and are willing to go all the way to achieve those agendas.
We’re talking about a system that provides billions of dollars to the local economy and facilitates how our community is shaped in many ways. Public education is serious business! It ain’t just about insuring little Johnny learns to read. Lil Johnny doesn’t need to read to push the hamburger button on a cash register at Burger King. And soon they won’t need lil Johnny at all because customers will be placing their own orders! Some kids get a good education in Charleston County because some kids will push hamburger button, others will own the restaurant or design the buttons.
So what about school district accreditation? I’m still a little confused about the why and how it will affect public education in Charleston County. But as I argued with a friend recently, every little bit helps. Accreditation certainly can’t hurt. I think the real issue is will we move beyond getting accredited.
Washington, DC – On Tuesday, December 11, the DC State Board of Education (SBOE) will hold its next Every Student Succeeds Act (ESSA) Task Force meeting at 6 pm in Room 1117 at 441 Fourth St. NW. Task Force members will convene to explore the new DC school report cards released today. Representatives from the Office of the State Superintendent of Education (OSSE) will join the meeting to assist in navigating the site and respond to any questions that arise.
Today, Mayor Muriel Bowser announced the launch of the first annual DC School Report Card and School Transparency and Reporting (STAR) Framework. The new interactive data-driven website provides students, families, and educators clear and detailed information to better understand how every DC public and public charter school is performing. DC families now have access to easy, clear, and meaningful information about schools in order to make the best decisions for their children. The State Board of Education and its ESSA Task Force worked with OSSE over the last year to bring parents and families together to help create the report cards.
Members of the public may attend and observe all task force meetings, but are not permitted to speak or participate during these sessions. Individuals and representatives of organizations may submit written testimony or information for consideration by the task force by emailing email@example.com. The task force meeting will be streamed live via Periscope for those community members who are unable to attend in person. For the latest updates on the task force’s work, please visit sboe.dc.gov/essa.
About the SBOE
The DC State Board of Education is an independent agency within the Government of the District of Columbia that advises the Office of the State Superintendent of Education (OSSE), the District’s state education agency. The State Board is comprised of nine elected representatives, each representing their respective wards, with one member representing DC at large, and two appointed student representatives. The State Board approves statewide education policies and sets academic standards, while OSSE oversees education within the District and manages federal education funding. More information about the SBOE can be found at sboe.dc.gov.
Now that the Every Student Succeeds Act has been officially in place for a whole school year, states are beginning to release their lists of schools that need extra help. And there’s a particular group of schools that experts are watching closely: Additional Targeted Schools.
That’s a wonky term for a particular set of schools that need improvement, but it’s one to watch: It could end up describing anywhere from 30 to 70 percent of schools, according to preliminary observations by the Center for Assessment, a nonprofit that works with states on testing and accountability. (Although that may be the typical range, many states will be under the 30 percent threshold, the Center said.)
This bears out in individual states, too. In California, at least a quarter of schools would qualify, according to a report compiled by the state board of education earlier this year. (Check out page 429 of this document for more.) And a plurality of those schools would qualify because of struggling performance among students in special education.
Similarly, Louisiana found by using data from 2015 and 2016 that about 42 percent of its schools would fall into the category. Most would be identified because of poor performance of students in special education. (Check out page 66 of the state’s ESSA plan for more).
So what exactly are Additional Targeted Schools and what’s required of them under ESSA? Under the law, states must flag Title I schools that are in the bottom 5 percent of performers in the state for what’s called “comprehensive support and improvement.” In those schools, the district is required to come up with an evidence-based plan to fix the school’s problem, monitored by the state…
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One year into a four-year $49 million initiative to improve training for aspiring school principals, a new RAND Corporation report found that seven universities are beginning to change their principal preparation programs to better reflect the real-world demands of the job.
The seven universities participating in The Wallace Foundation’s University Principal Preparation Initiative (UPPI) are redesigning their programs by working with local high-need school districts that hire their graduates as well as accreditation agencies in their states—a move not typical of most other programs.
“Past research shows that successful principal preparation programs should include partnerships with districts,” said Rebecca Herman, a senior researcher at RAND and a lead author on the report. “Our report illustrates such engagement is feasible, valuable and critical to creating these programs.”
Principals help set school vision and culture, supporting teacher effectiveness and, ultimately, improving student achievement. Some educators say many university programs that train principals favor theory over practice and provide too little field experience in which candidates learn by taking on duties of school leaders. The initiative seeks to boost such programs by generating lessons for other universities on how best to design a program that prepares effective principals.
The RAND report found that, during the first year of the initiative, programs are working to better align programs with expected skills needed upon graduation, as well as ensuring their programs meet state and national leadership standards. All have taken evidence-based self-assessments to see how programs can be improved and developed models to guide their redesign. Programs are trying to develop a more coherent curriculum that integrates theory and practice, and offer more hands-on training opportunities and greater collaboration with school districts by asking practitioner-leaders to work as part-time instructors.
The office of nonpublic education, which was previously part of the soon-to-be-defunct office of innovation and improvement, will now report directly to the office of the secretary. DeVos is a longtime advocate for vouchers, tax credit scholarships, and other forms of private school choice.
That move and other reorganization changes were first reported by Politico.
DeVos is also planning to move the department’s budget office, which she has reportedly sought to eliminate, into a new office of finance and operations. That office’s other jobs will include finance, accounting, budgets, contract management, personnel, business data analysis and more.
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By Nate Davis (CEO and Board of Directors Chairman, K12 Inc.)
Our nation’s graduation rate is at an all-time high. The national figure shows 84 percent of young people, overall, graduating from high school within four years after first entering the 9th grade, a trend that has been on a consistent upswing since the 2010-2011 school year.
Still, despite much progress with that indicator, major gaps still exist. And there is great concern that the graduation rate hype not only masks those gaps, but distracts us from what must be our ultimate goal: ensuring all students earn a high school diploma and are college and career ready.
Even as overall graduation rates improve, Black and Hispanic students continue to lag behind that curve. Graduation rates for African American students are 76.4 percentage points—8 percentage points behind the national average—and Latino students are at 79.3 percent. Native American students fare even worse at just 72 percent graduation. Meanwhile, White and Asian students are anywhere from four to six points higher than the national average.
None of us can reasonably expect the closure of inequality gaps, if we’re simply satisfied with overall graduation rates while resigned to stubborn achievement gaps. Yet, it seems as if we’re in a phase whereby these disparities are being treated as normal—“the way it is”—as opposed to addressing a larger parity problem.
We have to ask ourselves: are we having a responsible and responsive conversation about high school graduation?
The most recent “Building a Grad Nation” report from America’s Promise Alliance says that, “Twenty-three states have Black-White graduation rate gaps larger than the national average, including five states—Wisconsin, Nevada, Minnesota, New York, and Ohio—where the gap is more than 20 percentage points…Twenty-four states have Hispanic/White graduation rate gaps that exceed the national average, and in two states – Minnesota and New York—the gap is more than 20 percentage points.”
The persistent normalcy of lower achievement among certain disadvantaged student populations is deeply troubling. Closing those gaps should be as important—if not more—than simply raising overall graduation rates.
At the same time, graduation rates can be used to unfairly malign schools that are serving underprivileged youth and, in fact, helping at-risk students earn a high school diploma. Alternative schools are singled out for having four-year cohort graduation rates that are generally lower than the national average, but left out of the conversation is how these schools are intentionally designed to serve credit-deficient transfer students and former dropouts at risk of never earning a diploma at all.
Measuring how well schools are graduating students is important, but it should be done right, and must not create disincentives for schools to serve credit-deficient students or dropouts looking for a second chance. After all, what is more important for these students: graduating or graduating “on-time”? It’s why graduation rate calculations should be reformed altogether so schools are held accountable for students’ annual progress toward graduation every year, not just in the fourth year of high school.
Sadly, the drive to meet on-time graduation has led to recent cases of manipulation and fraud, which, of course, is wrong, but it also misses the primary purposes of high school altogether: preparing students for higher education, careers, and the workforce. The linkage between these goals—graduation and college and career readiness—is crucial for broader national competitiveness. Graduating students is meaningless if they are not prepared.
The number of high school students heading into remedial courses in their first year of college are staggering, and the gaps between varying demographics are even more troubling. Nearly 60 percent of African American students are forced to enroll in non-credit remedial classes in college, according to the Center for American Progress, compared to 45 percent of Latino students and 35 percent of White students. This means that Black, first-year college students, already burdened the most by rising college costs and loan debt, are taking on a greater share of the $1.3 billion wasted on non-credit remedial courses.
There is no one silver bullet that will solve our nation’s graduation problem, but we can start by realigning graduation standards to the expectations of colleges, career training programs, industries and jobs, and developing competency-based, personalized learning paths for students unconstrained by four-year cohorts. And we must finally address funding gaps that exist for too many alternative schools working to eliminate achievement gaps between advantaged and disadvantaged students.
Addressing this complex challenge requires a mix of other solutions, too; improved learning models and instruction, greater support for our teachers, innovative technology, and increased services to disenfranchised students groups are just a few that we should be working on. But none of this can happen without educators, policymakers and business leaders willing to engage in honest and constructive conversations, and then pledging to act.
A rising graduation rate is worth celebrating, but let’s not become complacent.
Learn more about improving the educational outcomes for the students in your life at nnpa.org/essa.
Nate Davis is the Chief Executive Officer and Chairman of the Board of Directors at K12 Inc., an online education provider for students in pre-K through 12th grade.