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Exam Code: 1Z0-050 Practice exam 2022 by Killexams.com team
Oracle Database 11g: New Features for Administrators
Oracle Administrators student
Killexams : Oracle Administrators student - BingNews https://killexams.com/pass4sure/exam-detail/1Z0-050 Search results Killexams : Oracle Administrators student - BingNews https://killexams.com/pass4sure/exam-detail/1Z0-050 https://killexams.com/exam_list/Oracle Killexams : Zayed University and Oracle to collaborate on education innovation

DUBAI - Zayed University and Oracle today signed a Memorandum of Understanding (MoU) at GITEX Global 2022 to expand their partnership into innovative new technologies. This builds on Zayed University and Oracle's existing 15-year partnership.

As part of the new agreement, Oracle will support Zayed University on its digital transformation strategy in the areas of artificial intelligence, machine learning, blockchain & data science, conduct workshops and training for ZU employees, review the university's existing technology architecture and provide access to subject-matter experts as required.

Speaking on the occasion, Nadia Obaid AlQabanji, Director of Zayed University's Information Technology Department, said, "Oracle and Zayed University have a strong relationship and shared ambition to provide students with access to world-leading technologies in the digital learning space. Technology is at the heart of an innovation revolution which has been taking place in the higher education space and Zayed University is determined to remain ahead of the curve.

"The possibilities provided by artificial intelligence, machine learning, blockchain and data science in the education sector are potentially transformational. Expanding this agreement with Oracle ensures that Zayed University's students and faculty will benefit from best-in-class infrastructure, services and software as we continue to roll out our exciting new strategy."

In line with the new strategy, this collaboration with Oracle will increase Zayed University student's employment prospects when they graduate, as they will be equipped with the skills needed to thrive in the technology-driven jobs of the future.

"Our agreement with Zayed University is intended to enhance digital literacy in the UAE's educational space. By enabling students and educators with advanced technology resources and training programs, we aim to strengthen their knowledge, expertise and adaptability to build talent readiness for the digital economy," said Cherian Varghese, Senior Vice President, Technology - Middle East, Africa, Turkey and Levant, Oracle.

The MoU was signed by Sherif Mousa, Acting Chief Administration and Financial Officer from Zayed University, and Varghese from Oracle.

Wed, 12 Oct 2022 19:33:00 -0500 en text/html https://www.zawya.com/en/business/education/zayed-university-and-oracle-to-collaborate-on-education-innovation-ryibx3vo
Killexams : Hamline’s Early Start

For the past three years, Hamline has begun their classes a full week before Labor Day while several other institutions have begun after Labor Day.

Alex Bailey, News Reporter

For many students, the end of summer means Getting ready for school, attending the State Fair and having fun with family and friends. But for Hamline students, the last days of August are spent in a classroom. For the past three years, there have been three to five days of Hamline undergraduate classes before Labor Day.

The early start date is not without reason. Jim Scheibel, a professor of practice in public administration and a member of the faculty council, brought attention to some of the reasons why Hamline begins early and why this has only happened recently. 

“I know one of the factors was COVID. And the thought, two years ago anyway, was that if we start earlier, we may miss some of the flu season,” Scheibel said. 

Scheibel explained that the early start may not affect faculty as significantly as it does students, as they can change their syllabi to fit with the schedule they are given. That being said, every faculty and staff member is different, with various commuting times, some of which may be affected by State Fair traffic and other circumstances. 

While there are good reasons why classes at Hamline begin so early, they leave some commuter students feeling unseen and unheard.

A survey was conducted on five commuter students in the 2026 class, asking them a brief set of questions about commuting to Hamline prior to Labor Day.

The responses showed that 80% of participants said that their commute time was typically under 45 minutes on any given day, but was at minimum 45 minutes during the first week of classes. 40% of participants expressed that they would like to or would be open to starting after Labor Day. 

Thea DeVos, a senior who also commutes to and from campus, found that the early start time coinciding with the State Fair not only made it difficult to get to class on time, but also caused a strain on her mental health. 

“I was a lot more stressed coming into the first week,” DeVos said. “I was really anxious [about the commute] because I didn’t know what to expect.” 

One suggestion DeVos had to make this earlier start time more manageable for commuter students was to explain to professors that some of their students may take longer than usual to arrive at class because of traffic, which would deliver those who have to drive to campus an opportunity to not have to worry about consequences from their professors.

Devos suggested that Hamline could provide commuter students with alternate routes to campus, leading from major highways or cities around the St. Paul to the Hamline Campus. This way, commuters no longer have to stress about how they are getting to campus. Instead they can focus on starting the academic year off strong. 

 

Tue, 04 Oct 2022 06:07:00 -0500 en-US text/html https://hamlineoracle.com/10483/news/hamlines-early-start/
Killexams : Student Information Systems (SIS) Market Evolution Segmentation and Insight of Trends 2022 to 2028 with Top Countries Data | 117 Pages Report

The MarketWatch News Department was not involved in the creation of this content.

Oct 14, 2022 (The Expresswire) -- "Student Information Systems (SIS) Market" Insights 2022 By Types, Applications, Regions and Forecast to 2028. The global Student Information Systems (SIS) market size is projected to Reach Multimillion USD by 2028, In comparison to 2021, with unexpected CAGR during the forecast period 2022-2028, the Student Information Systems (SIS) Market Report Contains Full TOC, Tables and Figures, and Chart with In-depth Analysis Pre and Post COVID-19 Market Outbreak Impact Analysis and Situation by Region.

Student Information System (SIS) is a web-based application software designed to introduce a conducive and structured information exchange environment for integrating students, parents, teachers and the administration of a school or college.

Report Overview

Due to the COVID-19 pandemic and Russia-Ukraine War Influence, the global market for Student Information Systems (SIS) estimated at USD 10550 million in the year 2022, is projected to reach a revised size of USD 22620 million by 2028, growing at a CAGR of 13.6% during the forecast period 2022-2028.

The USA market for Student Information Systems (SIS) is estimated to increase from USD million in 2022 to reach USD million by 2028, at a CAGR of % during the forecast period of 2023 through 2028.

The China market for Student Information Systems (SIS) is estimated to increase from USD million in 2022 to reach USD million by 2028, at a CAGR of % during the forecast period of 2023 through 2028.

The Europe market for Student Information Systems (SIS) is estimated to increase from USD million in 2022 to reach USD million by 2028, at a CAGR of % during the forecast period of 2023 through 2028.

The global key companies of Student Information Systems (SIS) include Oracle, Ellucian, Workday, SAP, Sycamore, School Time, Jenzabar, CampusNexus and PowerSchool, etc. In 2021, the global top five players had a share approximately % in terms of revenue.

Report Scope

This latest report researches the industry structure, revenue and gross margin. Major players’ headquarters, market shares, industry ranking and profiles are presented. The primary and secondary research is done in order to access up-to-date government regulations, market information and industry data. Data were collected from the Student Information Systems (SIS) companies, distributors, end users, industry associations, governments' industry bureaus, industry publications, industry experts, third party database, and our in-house databases.

This report also includes a discussion of the major players across each regional Student Information Systems (SIS) market. Further, it explains the major drivers and regional dynamics of the global Student Information Systems (SIS) market and current trends within the industry.

Get a trial PDF of report -https://www.precisionreports.co/enquiry/request-sample/21758954

Report Scope and Segmentation:

Report Coverage

Details

Companies Mentioned

Oracle, Ellucian, Workday, SAP, Sycamore, School Time, Jenzabar, CampusNexus, PowerSchool, Skyward, Gradelink, Infinite Campus, Alma SIS, QuickSchools, FACTS Management, Rediker Software, Boardingware, Aeries Software, Illuminate Education

By Type

Web-based, Cloud-based

By Applications

Higher Education, Primary Education

Value Projection

Multimillion USD by 2028

Growth Rate

Impressive CAGR from 2022 to 2028

Forecast Period

2022 to 2028

No. of Pages

117

Base Year

2021

No. of Tables and Figures

157

Segments Covered

By Type, By Application, By Geography

Get a trial Copy of the Student Information Systems (SIS) Report 2022

Student Information Systems (SIS) Market is further classified on the basis of region as follows:

● North America (United States, Canada and Mexico) ● Europe (Germany, UK, France, Italy, Russia and Turkey etc.) ● Asia-Pacific (China, Japan, Korea, India, Australia, Indonesia, Thailand, Philippines, Malaysia and Vietnam) ● South America (Brazil, Argentina, Columbia etc.) ● Middle East and Africa (Saudi Arabia, UAE, Egypt, Nigeria and South Africa)

This Student Information Systems (SIS) Market Research/Analysis Report Contains Answers to your following Questions

● What are the global trends in the Student Information Systems (SIS) market? Would the market witness an increase or decline in the demand in the coming years? ● What is the estimated demand for different types of products in Student Information Systems (SIS)? What are the upcoming industry applications and trends for Student Information Systems (SIS) market? ● What Are Projections of Global Student Information Systems (SIS) Industry Considering Capacity, Production and Production Value? What Will Be the Estimation of Cost and Profit? What Will Be Market Share, Supply and Consumption? What about Import and Export? ● Where will the strategic developments take the industry in the mid to long-term? ● What are the factors contributing to the final price of Student Information Systems (SIS)? What are the raw materials used for Student Information Systems (SIS) manufacturing? ● How big is the opportunity for the Student Information Systems (SIS) market? How will the increasing adoption of Student Information Systems (SIS) for mining impact the growth rate of the overall market? ● How much is the global Student Information Systems (SIS) market worth? What was the value of the market In 2020? ● Who are the major players operating in the Student Information Systems (SIS) market? Which companies are the front runners? ● Which are the recent industry trends that can be implemented to generate additional revenue streams? ● What Should Be Entry Strategies, Countermeasures to Economic Impact, and Marketing Channels for Student Information Systems (SIS) Industry?

Customization of the Report

Our research analysts will help you to get customized details for your report, which can be modified in terms of a specific region, application or any statistical details. In addition, we are always willing to comply with the study, which triangulated with your own data to make the market research more comprehensive in your perspective.

Inquire more and share questions if any before the purchase on this report at -https://www.precisionreports.co/enquiry/pre-order-enquiry/21758954

Detailed TOC of Global Student Information Systems (SIS) Market Insights and Forecast to 2028

1 Report Overview
1.1 Study Scope
1.2 Market Analysis by Type
1.2.1 Global Student Information Systems (SIS) Market Size Growth Rate by Type: 2017 VS 2021 VS 2028
1.2.2 Web-based
1.2.3 Cloud-based
1.3 Market by Application
1.3.1 Global Student Information Systems (SIS) Market Growth Rate by Application: 2017 VS 2021 VS 2028
1.3.2 Higher Education
1.3.3 Primary Education
1.4 Study Objectives
1.5 Years Considered
2 Market Perspective
2.1 Global Student Information Systems (SIS) Market Size (2017-2028)
2.2 Student Information Systems (SIS) Market Size across Key Geographies Worldwide: 2017 VS 2021 VS 2028
2.3 Global Student Information Systems (SIS) Market Size by Region (2017-2022)
2.4 Global Student Information Systems (SIS) Market Size Forecast by Region (2023-2028)
2.5 Global Top Student Information Systems (SIS) Countries Ranking by Market Size
3 Student Information Systems (SIS) Competitive by Company
3.1 Global Student Information Systems (SIS) Revenue by Players
3.1.1 Global Student Information Systems (SIS) Revenue by Players (2017-2022)
3.1.2 Global Student Information Systems (SIS) Market Share by Players (2017-2022)
3.2 Global Student Information Systems (SIS) Market Share by Company Type (Tier 1, Tier 2, and Tier 3)
3.3 Company Covered: Ranking by Student Information Systems (SIS) Revenue
3.4 Global Student Information Systems (SIS) Market Concentration Ratio
3.4.1 Global Student Information Systems (SIS) Market Concentration Ratio (CR5 and HHI)
3.4.2 Global Top 10 and Top 5 Companies by Student Information Systems (SIS) Revenue in 2021
3.5 Global Student Information Systems (SIS) Key Players Head office and Area Served
3.6 Key Players Student Information Systems (SIS) Product Solution and Service
3.7 Date of Enter into Student Information Systems (SIS) Market
3.8 Mergers and Acquisitions, Expansion Plans
4 Global Student Information Systems (SIS) Breakdown Data by Type
4.1 Global Student Information Systems (SIS) Historic Revenue by Type (2017-2022)
4.2 Global Student Information Systems (SIS) Forecasted Revenue by Type (2023-2028)
5 Global Student Information Systems (SIS) Breakdown Data by Application
5.1 Global Student Information Systems (SIS) Historic Market Size by Application (2017-2022)
5.2 Global Student Information Systems (SIS) Forecasted Market Size by Application (2023-2028)
6 North America
6.1 North America Student Information Systems (SIS) Revenue by Company (2020-2022)
6.2 North America Student Information Systems (SIS) Revenue by Type (2017-2028)
6.3 North America Student Information Systems (SIS) Revenue by Application (2017-2028)
6.4 North America Student Information Systems (SIS) Revenue by Country (2017-2028)
6.4.1 United States
6.4.2 Canada
6.4.3 Mexico
7 Europe
7.1 Europe Student Information Systems (SIS) Revenue by Company (2020-2022)
7.2 Europe Student Information Systems (SIS) Revenue by Type (2017-2028)
7.3 Europe Student Information Systems (SIS) Revenue by Application (2017-2028)
7.4 Europe Student Information Systems (SIS) Revenue by Country (2017-2028)
7.4.1 Germany
7.4.2 France
7.4.3 UK
7.4.4 Italy
7.4.5 Russia
8 Asia Pacific
8.1 Asia Pacific Student Information Systems (SIS) Revenue by Company (2020-2022)
8.2 Asia Pacific Student Information Systems (SIS) Revenue by Type (2017-2028)
8.3 Asia Pacific Student Information Systems (SIS) Revenue by Application (2017-2028)
8.4 Asia Pacific Student Information Systems (SIS) Revenue by Region (2017-2028)
8.4.1 China
8.4.2 Japan
8.4.3 South Korea
8.4.4 India
8.4.5 Australia
8.4.6 China Taiwan
8.4.7 Indonesia
8.4.8 Thailand
8.4.9 Malaysia
9 Latin America
9.1 Latin America Student Information Systems (SIS) Revenue by Company (2020-2022)
9.2 Latin America Student Information Systems (SIS) Revenue by Type (2017-2028)
9.3 Latin America Student Information Systems (SIS) Revenue by Application (2017-2028)
9.4 Latin America Student Information Systems (SIS) Revenue by Country (2017-2028)
9.4.1 Mexico
9.4.2 Brazil
9.4.3 Argentina
10 Middle East and Africa
10.1 Middle East and Africa Student Information Systems (SIS) Revenue by Company (2020-2022)
10.2 Middle East and Africa Student Information Systems (SIS) Revenue by Type (2017-2028)
10.3 Middle East and Africa Student Information Systems (SIS) Revenue by Application (2017-2028)
10.4 Middle East and Africa Student Information Systems (SIS) Revenue by Country (2017-2028)
10.4.1 Turkey
10.4.2 Saudi Arabia
10.4.3 UAE
11 Company Profiles
11.1 Oracle
11.1.1 Oracle Company Details
11.1.2 Oracle Business Overview
11.1.3 Oracle Student Information Systems (SIS) Products and Services
11.1.4 Oracle Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.1.5 Oracle Student Information Systems (SIS) SWOT Analysis
11.1.6 Oracle recent Developments
11.2 Ellucian
11.2.1 Ellucian Company Details
11.2.2 Ellucian Business Overview
11.2.3 Ellucian Student Information Systems (SIS) Products and Services
11.2.4 Ellucian Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.2.5 Ellucian Student Information Systems (SIS) SWOT Analysis
11.2.6 Ellucian recent Developments
11.3 Workday
11.3.1 Workday Company Details
11.3.2 Workday Business Overview
11.3.3 Workday Student Information Systems (SIS) Products and Services
11.3.4 Workday Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.3.5 Workday Student Information Systems (SIS) SWOT Analysis
11.3.6 Workday recent Developments
11.4 SAP
11.4.1 SAP Company Details
11.4.2 SAP Business Overview
11.4.3 SAP Student Information Systems (SIS) Products and Services
11.4.4 SAP Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.4.5 SAP Student Information Systems (SIS) SWOT Analysis
11.4.6 SAP recent Developments
11.5 Sycamore
11.5.1 Sycamore Company Details
11.5.2 Sycamore Business Overview
11.5.3 Sycamore Student Information Systems (SIS) Products and Services
11.5.4 Sycamore Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.5.5 Sycamore Student Information Systems (SIS) SWOT Analysis
11.5.6 Sycamore recent Developments
11.6 School Time
11.6.1 School Time Company Details
11.6.2 School Time Business Overview
11.6.3 School Time Student Information Systems (SIS) Products and Services
11.6.4 School Time Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.6.5 School Time Student Information Systems (SIS) SWOT Analysis
11.6.6 School Time recent Developments
11.7 Jenzabar
11.7.1 Jenzabar Company Details
11.7.2 Jenzabar Business Overview
11.7.3 Jenzabar Student Information Systems (SIS) Products and Services
11.7.4 Jenzabar Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.7.5 Jenzabar Student Information Systems (SIS) SWOT Analysis
11.7.6 Jenzabar recent Developments
11.8 CampusNexus
11.8.1 CampusNexus Company Details
11.8.2 CampusNexus Business Overview
11.8.3 CampusNexus Student Information Systems (SIS) Products and Services
11.8.4 CampusNexus Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.8.5 CampusNexus Student Information Systems (SIS) SWOT Analysis
11.8.6 CampusNexus recent Developments
11.9 PowerSchool
11.9.1 PowerSchool Company Details
11.9.2 PowerSchool Business Overview
11.9.3 PowerSchool Student Information Systems (SIS) Products and Services
11.9.4 PowerSchool Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.9.5 PowerSchool Student Information Systems (SIS) SWOT Analysis
11.9.6 PowerSchool recent Developments
11.10 Skyward
11.10.1 Skyward Company Details
11.10.2 Skyward Business Overview
11.10.3 Skyward Student Information Systems (SIS) Products and Services
11.10.4 Skyward Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.10.5 Skyward Student Information Systems (SIS) SWOT Analysis
11.10.6 Skyward recent Developments
11.11 Gradelink
11.11.1 Gradelink Company Details
11.11.2 Gradelink Business Overview
11.11.3 Gradelink Student Information Systems (SIS) Products and Services
11.11.4 Gradelink Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.11.5 Gradelink recent Developments
11.12 Infinite Campus
11.12.1 Infinite Campus Company Details
11.12.2 Infinite Campus Business Overview
11.12.3 Infinite Campus Student Information Systems (SIS) Products and Services
11.12.4 Infinite Campus Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.12.5 Infinite Campus recent Developments
11.13 Alma SIS
11.13.1 Alma SIS Company Details
11.13.2 Alma SIS Business Overview
11.13.3 Alma SIS Student Information Systems (SIS) Products and Services
11.13.4 Alma SIS Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.13.5 Alma SIS recent Developments
11.14 QuickSchools
11.14.1 QuickSchools Company Details
11.14.2 QuickSchools Business Overview
11.14.3 QuickSchools Student Information Systems (SIS) Products and Services
11.14.4 QuickSchools Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.14.5 QuickSchools recent Developments
11.15 FACTS Management
11.15.1 FACTS Management Company Details
11.15.2 FACTS Management Business Overview
11.15.3 FACTS Management Student Information Systems (SIS) Products and Services
11.15.4 FACTS Management Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.15.5 FACTS Management recent Developments
11.16 Rediker Software
11.16.1 Rediker Software Company Details
11.16.2 Rediker Software Business Overview
11.16.3 Rediker Software Student Information Systems (SIS) Products and Services
11.16.4 Rediker Software Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.16.5 Rediker Software recent Developments
11.17 Boardingware
11.17.1 Boardingware Company Details
11.17.2 Boardingware Business Overview
11.17.3 Boardingware Student Information Systems (SIS) Products and Services
11.17.4 Boardingware Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.17.5 Boardingware recent Developments
11.18 Aeries Software
11.18.1 Aeries Software Company Details
11.18.2 Aeries Software Business Overview
11.18.3 Aeries Software Student Information Systems (SIS) Products and Services
11.18.4 Aeries Software Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.18.5 Aeries Software recent Developments
11.19 Illuminate Education
11.19.1 Illuminate Education Company Details
11.19.2 Illuminate Education Business Overview
11.19.3 Illuminate Education Student Information Systems (SIS) Products and Services
11.19.4 Illuminate Education Student Information Systems (SIS) Revenue in Student Information Systems (SIS) Business (2017-2022)
11.19.5 Illuminate Education recent Developments
12 Student Information Systems (SIS) Market Dynamics
12.1 Student Information Systems (SIS) Market Trends
12.2 Student Information Systems (SIS) Market Drivers
12.3 Student Information Systems (SIS) Market Challenges
12.4 Student Information Systems (SIS) Market Restraints
13 Research Findings and Conclusion
14 Appendix
14.1 Research Methodology
14.1.1 Methodology/Research Approach
14.1.2 Data Source
14.2 Author Details

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Thu, 13 Oct 2022 18:13:00 -0500 en-US text/html https://www.marketwatch.com/press-release/student-information-systems-sis-market-evolution-segmentation-and-insight-of-trends-2022-to-2028-with-top-countries-data-117-pages-report-2022-10-14
Killexams : Peabody merger talks; Intel, Oracle layoffs: The National Observer Oct. 13 No result found, try new keyword!A merger discussion involving Peabody, the largest coal producer in the U.S., is one of our top stories today. Thu, 13 Oct 2022 04:30:00 -0500 text/html https://www.bizjournals.com/bizjournals/news/2022/10/13/peabody-merger-talks-intel-oracle-layoffs.html Killexams : EdTech and Smart Classrooms Market Opportunities, Business Statistics Research Report 2030

The MarketWatch News Department was not involved in the creation of this content.

Oct 12, 2022 (Alliance News via COMTEX) -- Quadintel's recent global EdTech and Smart Classrooms market research report gives detailed facts with consideration to market size, cost revenue, trends, growth, capacity, and forecast till 2030. In addition, it includes an in-depth analysis of This market, including key factors impacting the market growth.

The Global EdTech and Smart Classrooms Market size is expected to reach $258.9 billion by 2028, rising at a market growth of 12.8% CAGR during the forecast period.

This study offers information for creating plans to increase the market’s growth and effectiveness and is a comprehensive quantitative survey of the market.

Download Free trial of This Strategic Report :-https://www.quadintel.com/request-sample/global-edtech-and-smart-classrooms-market/QI046

For industry executives, marketing, sales, and product managers, consultants, analysts, and stakeholders searching for vital industry data in easily accessible documents with clearly presented tables and graphs, the research contains historical data from 2017 to 2020 and predictions through 2030.

Statistical and cogent models for the market were used to assess and forecast the market data. Additionally, market shares and important trends were taken into account when creating the study. The Market Time Line Analysis, Vendor Positioning Grid, Market Overview and Guide, Company Market Share Analysis, Company Positioning Grid, Standards of Measurement, Top to Bottom Analysis, and Vendor Share Analysis are additional data models that can use.

GlobalEdTech and Smart Classrooms MarketSize, Share & Industry Trends Analysis Report By Component, By Hardware Type, By Deployment Type, By End User, By Education System, By Regional Outlook and Forecast, 2022 - 2028

Modern classrooms that are outfitted with integrated learning technologies, such as audience response systems, specialized software, and projectors, among others, to provide a better learning environment are known as "digital classrooms." In order to teach effectively, the digital classroom is also concentrating on the development of cutting-edge technologies. This action would enable instructors to engage with their students and have a beneficial impact on the e-learning business. The need for digital content that can deliver students the knowledge they want has recently expanded across a wide range of educational institutions.

Online learning resources are already being adapted by certain schools with excellent ICT to lessen the strain of teachers. The use of digital content will also change the entire traditional teaching approach to make lessons more interactive and collaborative. Additionally, the adoption of learning analytics & cloud computing in digital classrooms is predicted that will further propel market expansion in the coming years because these features aid to reduce spending on information technology (IT) systems.

The way that education is delivered has changed recently and over the past few decades. The educational system is successfully taking advantage of the chance to utilize technology to its utmost capacity. Governments all over the world are issuing funding and grants to assist educational institutions in adopting cutting-edge teaching methods. In addition, governments can thereby support the digitization of educational systems in their various areas and nations. The market for digital classrooms is driven by the rising demand for digital education.

COVID-19 Impact Analysis

The pandemic's onset has significantly raised the need for EdTech solutions. Due to the widespread acceptance of the online teaching-learning paradigm, educational institutions are now utilizing EdTech and smart classroom solutions for ongoing operations, exams, training, and other activities at colleges and universities. For vendors of edtech, the growing demand has created new opportunities. Adoption of EdTech solutions like LMS has also increased as a result of the increase in demand. The requirement to maintain educational institutions operating during the COVID-19 pandemic has resulted in a rise in demand for EdTech solutions. Owing to the pandemic, some European nations are concentrating on online learning and employment.

Market Growth Factors

Increasing Usage Of Ml And Ai In Smart Learning

The eLearning experiences are made more individualized owing to the growing utilization AI and ML technology. Learners can access relevant information relating to user-interest domains due to machine learning (ML) algorithms that help forecast results based on historical data. With the aid of AI and ML technologies, eLearning content may be delivered by EdTech solutions in a tailored manner. In business settings, employees receive the information they require quickly thanks to customized online training programmes that support them in achieving their unique goals.

Rising Investment In Education Sector

Governments throughout the world have raised their spending on education, and the majority of nations have increased the share of investment in GDP. Governments are investing in a range of new and existing projects to meet the increased need for meeting the educational demands of future generations. Higher education institutions are encouraged and developed by greenfield projects. For example, the construction of a new Indian Institute of Technology is expected to cost the Indian government over USD 3.0 billion (IITs).

Access full Report Description, TOC, Table of Figure, Chart, etc. @https://www.quadintel.com/request-sample/global-edtech-and-smart-classrooms-market/QI046

Market Restraining Factors

Growing Security And Privacy Concerns

With IoT-enabled smart smartphones and electronic wearables, educational institutions and businesses acquire a range of data in the linked environment, including information about students. Educational institutions and businesses also have access to the learner's location and other relevant data, which could result in a privacy breach. This information can be extremely valuable to hackers. Since educational IT infrastructure might not be as safeguarded as needed to be at a corporate level, access to this data can be easily obtained.

Component Outlook

Based on Component, the EdTech and Smart Classrooms Market is segmented into Hardware (Interactive Displays, Interactive Projectors and Other Hardware), Software and Services. The interactive displays segment recorded the largest revenue share in the EdTech and Smart Classrooms Market in 2021. Interactive displays support tech-enhanced educational collaboration and social learning. Additionally, these students are 13% more certain to feel comfortable participating in class debates. Students could utilize devices to engage in class surveys, quizzes, and games, and then evaluate the findings in real time by establishing an audience response system on the interactive display.

Education System Outlook

By education system, the EdTech and Smart Classrooms Market is divided into Learning Management System, Student Information & Administration System, Student Collaboration System, Student Response System, Learning and Gamification, Test Preparation, Classroom Management System, Document Management System and Talent Management System. Student Information & Administration System segment recorded a substantial revenue share in the EdTech and Smart Classrooms Market in 2021. A management information system utilized by businesses in the education sector to address student data is known as a student management system, a student information system (SIS), school administration software, or student administration system.

End-User Outlook

On the basis of end-user, the EdTech and Smart Classrooms Market is bifurcated into K-12 and Higher Education. The K-12 segment recorded a significant revenue share in the EdTech and Smart Classrooms Market in 2021. Online videos have the important advantage of saving time. Since watching the video can be done at one's own pace, it is ideal for both busy students and those who need to brush up on their knowledge. Owing to the shift in perspective, educational videos help viewers retain their knowledge more effectively.

Deployment Type Outlook

Based on deployment type, the EdTech and Smart Classrooms Market is classified into Cloud and On-Premises. The on-premises segment acquired a significant revenue share in the EdTech and Smart Classrooms market in 2021. It is due to the rising cybersecurity problems among companies and institutions. Along with that, there are many educational institutions which are investing in the adoption of latest hardware, software and services for providing better education to the students.

Regional Outlook

Region-wise, the EdTech and Smart Classrooms Market is analyzed across North America, Europe, Asia Pacific and LAMEA. Asia Pacific acquired a substantial revenue share in the EdTech and Smart Classrooms market in 2021. China has made significant investments in educational materials and ICT infrastructure over the past few decades, which has advanced the use of technology in education. In recent years, China has seen a rise in the popularity of online learning. Internet users learning are multiplying rapidly.

The market research report covers the analysis of key stake holders of the market. Key companies profiled in the report include Microsoft Corporation, Cisco Systems, Inc., IBM Corporation, Google LLC, Oracle Corporation, SAP SE, Apple, Inc., Lenovo Group Limited, Instructure, Inc., and Udemy, Inc.

Strategies deployed in EdTech and Smart Classrooms Market

Partnerships, Collaborations and Agreements:

Sep-2021: SAP came into a partnership with JFF Labs, one of the critical connections between traditional systems and new technology, financial models, and forward-leaning leaders. This partnership aimed to develop the Skill Immersion Lab, an effort to meld VR technology along with instructor guidance & discussion.

Jun-2019: Lenovo entered into a partnership with Clever, the most widely used rostering portal in K?12 schools. This partnership aimed to assist in removing barriers for teachers, offering them a solution, which would save them valuable instructional time. The Clever and LanSchool integration would remove several of the pain points, that teachers & students generally experience when utilizing classroom management software.

Jan-2018: Microsoft formed a partnership with PowerSchool, an education technology standard-bearer. Under this partnership, Microsoft announced that its Office 365 products would be integrated into Unified Classroom like OneNote, OneDrive, Word, PowerPoint, Excel, and OneNote Class Notebook.

Product Launches and Product Expansions:

Mar-2022: Lenovo expanded its edtech solutions with EdVision. In this updated Lenovo EdVisions program, smarter technologies, which engineer smarter classrooms for students are offered to fulfill the requirements of the future. The program would deliver distance learning solutions along with technology like Microsoft Teams and Microsoft 365 Education, for schools & industry partners to encourage the digital transformation of education.

Oct-2021: Instructure unveiled Impact by Instructure is available for K-12 institutions. This product is developed to assist institutions to support teachers in the usage of education technologies, effortlessly locate new platforms, and analyze the impact they have on student engagement and results.

Mar-2021: Lenovo introduced a new generation of laptops. This generation of the laptop is developed for education and supported by wide-ranging software & services portfolio to facilitate learning in a new world. Providing a wider choice of Windows or Chromebook systems powered by AMD or Intel processors, these laptops would offer durability within distinctive designs and involve features, which would assist students and educators transition between classroom & remote learning.

Jan-2020: Lenovo launched a New Portfolio of Smarter Technology for Education with VR Classroom 2. This product is a comprehensive solution for teaching with VR, offering fully integrated hardware, training, content, and support developed particularly for middle schools and high schools.

Acquisitions and Mergers:

Sep-2021: Microsoft took over TakeLessons, a start-up with a website. This acquisition aimed to offer opportunities for individuals to find educational content, and not just in the business realm. In addition, this acquisition would expand Microsoft's reach in edtech.

Jun-2018: Microsoft completed its acquisition with Flipgrid, a video-based tool that allows for discussion across digital devices. This acquisition would bring Flipgrid pricing in collaboration with Office 365 Education which is also free for schools.

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Scope of the Study

Market Segments covered in the Report:

By Component

Hardware
Interactive Displays

Interactive Projectors

Others
Software
Services
By Deployment Type
Cloud
On-premise
By End User
Higher Education
K-12
By Education System
Learning Management System
Student Information & Administration System
Student Collaboration System
Student Response System
Learning & Gamification
Test Preparation
Classroom Management System
Document Management System
Talent Management System
By Geography
North America
US

Canada

Mexico

Rest of North America
Europe
Germany

UK

France

Russia

Spain

Italy

Rest of Europe
Asia Pacific
China

Japan

India

South Korea

Singapore

Malaysia

Rest of Asia Pacific
LAMEA
Brazil

Argentina

UAE

Saudi Arabia

South Africa

Nigeria

Rest of LAMEA

Companies Profiled
Microsoft Corporation
Cisco Systems, Inc.
IBM Corporation
Google LLC
Oracle Corporation
SAP SE
Apple, Inc.
Lenovo Group Limited
Instructure, Inc.
Udemy, Inc.

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COMTEX_416445256/2796/2022-10-12T03:39:13

The MarketWatch News Department was not involved in the creation of this content.

Tue, 11 Oct 2022 19:39:00 -0500 en-US text/html https://www.marketwatch.com/press-release/edtech-and-smart-classrooms-market-opportunities-business-statistics-research-report-2030-2022-10-12
Killexams : Beyond Blowing Smoke: More Issues With E-Cigarettes

New discussions around vaping are recently happening on social media as more information is coming to light about both what they contain and what they can cause.

A vape is an electronic form of a cigarette that was created to help smokers with trying to quit smoking. Their popularity has been steadily rising amongst younger people over the past several years. The U.S. Food and Drug Administration (FDA) conducted a survey in 2021 that found around two million youth regularly utilize electronic nicotine devices.

On Sept. 27, a TikTok user with the username @paige.ferguson05 posted a video with a Google search questioning whether vape liquids have gluten in them. The video garnered over 439,000 likes, and more videos were posted on the platform after hers went viral of young people being shocked to learn that some vape liquids had gluten in them — a fact that is not typically advertised on a vape package.

Another rumor circulating the internet is the brand of vape called “Elf Bars” cause gingivitis. This is technically true, as vaping could cause gum problems. However, this brand, specifically, is not a singular cause of it. 

Former SUNY New Paltz student Tomiko McGovern, 22, has vaped since she was a junior in high school. Regarding her introduction to it, she says, “My friend had one and she let me try it and, eventually, I just got my own.” McGovern has noticed changes in her health since she first begun to vape. She says that these changes are most noticeable to her when she walks up a flight of stairs or when she breathes, in general. 

McGovern also discussed the effects of the effort put in by the government to keep younger people from becoming addicted to nicotine. She said, “I think that there definitely is an effort but actually getting them to stop is not happening because we’re all starting at such a young age.” The social aspect of vaping is one that makes it difficult for many to quit. McGovern explained how she has quit many times but goes back to it because of how many of her close friends have vapes.

Primary care specialist Dr. Maria Ranin-Lay has first handedly seen this alternative to cigarettes fall into the wrong hands. When asked about the ages of her patients who she knows use vapes, she says, “I have one older but mostly younger.” She says that a majority of the patients she sees vaping are young. Dr. Ranin-Lay also discusses how “the vaping liquids are not pure… Some of these substances are ones that kids buy off the street. There’s got to be a lot of issues associated with that.”

The desire coming from young people to get vapes may have come from the early advertisements of them. JUUL came under fire as early as 2019 for allegedly marketing its e-cigarettes to minors. Such tactics included utilizing younger models in their campaign, advertising with memes and their vape cartridges being colorful with fruity flavors. 

The dangers of vaping are nothing new though. In 2019, there were multiple cases of younger people being hospitalized for lung damage, which is referred to as “EVALI.” EVALI is used when referencing any e-cigarette or vaping use-associated lung injury. “A lot of those cases were hospitalized, had severe respiratory failure, and some patients who were young ended up being on oxygen for the rest of their lives,” Dr. Ranin-Lay says. She explained how, after this, she stopped recommending e-cigarettes to her patients who were trying to quit smoking. Instead, she prescribed them with medications like Chantix, a prescribed medication that aids people with the withdrawal effects of nicotine.

Looking towards the future of efforts to minimize vaping amongst younger people, the FDA announced in July that it planned to remove JUUL company vapes from the market. According to Truth Initiative, a nonprofit organization dedicated to aiding nicotine addiction, the JUUL brand makes up around 75% of the e-cigarette market sales. 

On Oct. 7, the Financial Times reported that JUUL Labs Inc. is in the early stages of filing bankruptcy. What this means for the vaping market is unclear as disposable vapes have been steadily rising in popularity as opposed to JUUL brand ones, which are reusable.

Vaping is a subject that has been and will be debated for years to come. The long term  effects of vaping are still not completely known, and health professionals are still researching what they could potentially be.

“It’s up to the government to be aware of these issues and to make any real changes,” Dr. Ranin-Lay said.

Thu, 13 Oct 2022 02:20:00 -0500 Justin Donders en-US text/html https://oracle.newpaltz.edu/questions-arise-about-vaping/
Killexams : The Legality of Biden’s Student Loan Forgiveness Plan

With more than 45 million student loan borrowers collectively owing $1.6 trillion, it’s easy to see why funding a higher education has become a lifelong burden for so many people. It no doubt came as a relief to many of these borrowers when, on Aug. 24, 2022, President Biden announced a three-part student loan forgiveness plan to eliminate student loan debt, lower monthly payments, and make college more affordable.

However, opponents of Biden’s plan were quick to question its legality, and a protracted legal battle seems all but certain. Whether the administration’s debt cancellation policy would survive in court isn’t as clear.

Here’s what to know.

Key Takeaways

  • The Biden administration plans to provide up to $10,000 in federal student loan forgiveness for eligible borrowers, with an additional $10,000 for Pell Grant recipients.
  • Biden’s plan has been subject to a myriad of criticism, with the question of its legality having been raised by critics across the political spectrum.
  • Both the U.S. Department of Education and the U.S. Department of Justice have cited the Higher Education Relief Opportunities for Students (HEROES) Act of 2003 in defense of broad student loan forgiveness.
  • If the Biden administration’s plan is brought before the U.S. Supreme Court, history suggests it will be struck down.
  • According to Virginia Law Review, though, there’s a good chance that no one has standing to oppose Biden’s debt relief plan in federal court.

What Does Biden’s Plan Include?

Biden’s plan will provide up to $10,000 in federal student loan forgiveness for eligible borrowers, plus an additional $10,000 for recipients of Pell Grants. To qualify for this relief, borrowers must have an individual income of less than $125,000 ($250,000 for married couples). Additionally, the pause on federal student loan repayment that originally began during the COVID-19 pandemic has been extended through Dec. 31, 2022.

When payments do restart, borrowers may also have access to a new avenue for reducing their monthly payments. According to the White House, the U.S. Department of Education is proposing a new income-driven repayment plan that will protect more low-income borrowers from having to make any payments, in addition to capping monthly payments for undergraduate loans at 5% of a borrower’s discretionary income.

Opposition to Biden’s Plan

It didn’t take long after the plan’s announcement for it to begin receiving criticism. Republicans in particular have argued that the plan is unfair to Americans who already repaid their debt or didn’t attend college, in addition to citing potential inflationary consequences. The issue of legality, however, has been raised by critics across the political spectrum. The Biden administration may have been anticipating this concern, as on Aug. 23, 2022, the Education Department as well as the U.S. Department of Justice each released a memo stating student debt cancellation is “appropriate” under the Higher Education Relief Opportunities for Students (HEROES) Act of 2003.

Originally passed following the terrorist attacks of Sept 11, 2001, the HEROES Act grants the secretary of education the authority to “waive or modify any statutory or regulatory provision applicable to” federal student aid programs to alleviate any suffering that borrowers may experience due to national emergencies, such as COVID-19. One of the act’s provisions further specifies that the secretary need not act “on a case-by-case basis,” meaning that they are permitted to “proceed by categorical rules” when determining who is in need of relief.

A Complicated Question of Legality

So is Biden’s student debt cancellation plan legal? Based on the language of the HEROES Act, it would appear to be the case. However, this only holds up if the pandemic still constitutes a national emergency. Although it would be hard to argue that the pandemic’s onset wasn’t a crisis—after all, the HEROES Act was used by former President Donald Trump to justify the original pause on student loan payments—opponents of the plan would likely have an easier time claiming that’s no longer the case today. Further complicating matters is that on Sept. 18, 2022, Biden himself stated that “the pandemic is over” during an interview with “60 Minutes.” (Dr. Anthony Fauci, the president’s chief medical adviser, later told The Atlantic that “[Biden] was saying we’re in a much better place with regard to the fulminant stage of the pandemic. It really becomes semantics and about how you want to spin it.”)

Even if Biden’s plan can be considered legal, that doesn’t necessarily mean it will be considered constitutional. Should the issue be brought before the U.S. Supreme Court, recent history suggests they won’t rule in the president’s favor. Back in August 2021, SCOTUS blocked the Biden administration’s order extending the eviction moratorium, and it did the same for the president’s vaccine-or-test mandate in January 2022. Most recently, in July 2022, the Supreme Court curbed the Environmental Protection Agency’s ability to regulate carbon emissions from power plants. If the administration has been prevented from taking substantial political action without congressional authorization thrice already, it would be surprising if SCOTUS made an exception this time.

The Standing Hurdle

However, while opponents of Biden’s plan are trying to find a plaintiff with the legal standing needed to make a case, they’ve been doing so for nearly a month now. The Job Creators Network issued a press release back on Aug. 24, 2022, stating the conservative advocacy organization is weighing legal options to block the administration’s student loan forgiveness policy. More recently, Americans for Tax Reform President Grover Norquist told Axios that “his organization will either file its own lawsuit, team up with conservative think tanks or state attorneys general, or all of the above.” However, according to Jack Hoover with Virginia Law Review, it’s unlikely that anyone has standing to oppose debt relief in federal court, as it’s difficult to concretely prove both that this relief will harm the plaintiff and that blocking it would rectify that.

At the moment, the only party actually challenging Biden’s plan in court is Daniel Laschober, an Oregon homeowner who previously ran for the U.S. Senate. Representing himself in an Oregon district court, Laschober filed a complaint on Sept 12, 2022, for a temporary restraining order and preliminary injunction arguing that the HEROES Act doesn’t actually deliver Secretary of Education Miguel Cardona “the wide-ranging authority to discharge or forgive student loan debt on a mass or blanket basis.” Additionally, Laschober’s claim posits that “financial harm to plaintiff resulting from the defendants’ plan to mass forgive student loans is foreseeable, quantifiable, irreparable, and...imminent” on the basis that the relief will result in worsening inflation and a higher interest rate on his mortgage.

Who is eligible for Biden’s student loan forgiveness?

To qualify for this particular student loan forgiveness program, you must have had an individual income of less than $125,000 or a married income of less than $250,000 in 2020 or 2021.

What is the deadline for Biden’s student loan forgiveness?

Although the application for President Biden’s student debt cancellation plan isn’t yet available, according to Federal Student Aid, borrowers will have until Dec. 31, 2023, to apply.

Can I get a refund if I already paid off my student loans?

You can get a refund for any student loan payments (including automatic debit payments) you made during the COVID-19 payment pause. However, you will have to contact your loan servicer to request a refund.

The Bottom Line

Even if Biden’s plan survives any potential legal challenges, the majority of student loan borrowers won’t be able to relax right away. If you aren’t one of the 8 million people who the Department of Education already has income data on, then you will need to submit an application to qualify for student loan cancellation, which is expected to be available by early October 2022. Once you’ve filed this application, you should receive your student debt relief within four to six weeks. If you haven’t already done so, you can sign up for further updates from the Education Department here.

Tue, 27 Sep 2022 04:23:00 -0500 en text/html https://www.investopedia.com/legality-biden-student-loan-forgiveness-6273996
Killexams : In Reversal, Biden Administration Announces New Eligibility Limits On Student Loan Forgiveness

The Biden administration abruptly changed course on Thursday and announced it will limit eligibility for a sweeping new federal student loan forgiveness program to borrowers who have government-held loans only. This would exclude hundreds of thousands of borrowers with an older kind of federal student loan who were previously told they could qualify.

Here’s the latest.

Biden’s Student Loan Forgiveness Plan Included Path To Cancellation For Many Borrowers

Under the plan first announced in August, President Joe Biden’s one-time student loan cancellation initiative would provide up to $20,000 in federal student loan forgiveness for borrowers. The Education Department suggested that up to 40 million borrowers would be eligible for relief, with up to half of those borrowers becoming completely debt-free.

The Education Department had originally indicated that all government-held federal student loans, including undergraduate, graduate, and Parent PLUS loans, would qualify for loan forgiveness. Commercially-held loans through the Family Federal Education Loan (FFEL) program would not automatically qualify, said the Department, but borrowers could consolidate those loans into a Direct consolidation loan to receive the student loan forgiveness benefits. The FFEL program is an older federal student loan program, discontinued in 2010, where private lenders issued federal loans backed or guaranteed by the government.

“Borrowers with privately held federal student loans, such as through the FFEL, Perkins, and HEAL programs, can receive this relief by consolidating these loans into the Direct Loan program,” wrote the Education Department in its published guidance.

Biden Administration Reverses Course On FFEL Loan Eligibility For Student Loan Forgiveness

In a stunning reversal on Thursday, the Education Department changed its position on FFEL eligibility for student loan forgiveness.

“As of Sept. 29, 2022, borrowers with federal student loans not held by ED [the U.S. Department of Education] cannot obtain one-time debt relief by consolidating those loans into Direct Loans,” wrote the Education Department in updated guidance published on its website.

The Education Department clarified that, “Borrowers with FFEL Program loans and Perkins Loans not held by ED who have applied to consolidate into the Direct Loan program prior to Sept. 29, 2022, are eligible for one-time debt relief through the Direct Loan program,” ensuring that borrowers who already took steps to consolidate are effectively grandfathered in.

And borrowers who have already consolidated their FFEL loans could also still potentially qualify for relief. In addition to Direct consolidation loans comprised of loans that were held by the Education Department, “Consolidation loans comprised of any FFEL or Perkins loans not held by [the Education Department] are also eligible, as long as the borrower applied for consolidation before Sept. 29, 2022,” according to the new guidance.

But other borrowers may be out of luck.

Advocacy organizations for student loan borrowers slammed FFEL lenders following the announcement. “FFEL lenders have shown their true colors,” said the Student Borrower Protection Center in a tweet on Thursday. “Instead of working in the interest of student loan borrowers – their customers – these lenders are holding hostage relief from millions in order to keep making a buck off of suffering.”

Biden Administration Concerned About Lawsuits To Block Student Loan Forgiveness

The Biden administration’s reversal seems to stem from concerns that commercial FFEL lenders may proceed with litigation to block the new student loan forgiveness plans. FFEL lenders could have their federal student loan portfolios severely reduced if hundreds of thousands of borrowers consolidate into the Direct loan program to get the new student loan forgiveness benefits.

The Education Department indicated that the administration is “assessing whether there are alternative pathways to provide relief to borrowers with federal student loans not held by ED, including FFEL Program loans and Perkins Loans, and is discussing this with private lenders.” But nothing is guaranteed at this juncture.

Earlier this week, a conservative legal organization filed a lawsuit intended to block the new student loan forgiveness program. And today, six Republican-led states announced they would be suing the Biden over the plan, arguing the administration exceeded its authority.

Further Student Loan Reading

Biden’s Student Loan Forgiveness Could Be Taxable In Some States

What To Expect When You Apply For Student Loan Forgiveness Under Two Big Biden Initiatives

Student Loan Borrowers Should Write Down These Critical Dates For Loan Forgiveness And Repayment

Millions Of Student Loan Borrowers Will Get Refunds Of Payments Under Biden’s Loan Forgiveness Initiative

Wed, 28 Sep 2022 12:00:00 -0500 Adam S. Minsky en text/html https://www.forbes.com/sites/adamminsky/2022/09/29/in-stunning-reversal-biden-administration-will-limit-eligibility-for-sweeping-student-loan-forgiveness/
Killexams : Biden administration scales back student debt relief for millions amid legal concerns

The Biden administration is scaling back its debt relief program for millions of Americans over concerns about legal challenges from the student loan industry as well as a new lawsuit from Republican-led states.

In a reversal, the Education Department said on Thursday it would no longer allow borrowers who have federal student loans that are owned by private entities to qualify for the relief program. The administration had previously said those borrowers would have a path to receive up to $10,000 or $20,000 of loan forgiveness.

The policy change comes as the Biden administration this week faces its first major legal challenges to the loan forgiveness program, which Republicans have railed against as an illegal use of executive power that is too costly for taxpayers.

On Thursday, a group of six GOP attorneys general sued to block loan forgiveness. The states of Arkansas, Iowa, Kansas, Missouri, Nebraska, and South Carolina asked a federal judge to strike down the debt cancellation program, arguing that it’s illegal and unconstitutional.

The student loans that are guaranteed by the federal government but held by private entities account for a relatively small, and shrinking, subset of all outstanding federal student debt. They comprise just several million of the roughly 45 million Americans with federal student loans.

But there are significant business interests that depend on the federally guaranteed loan program — a wide range of private lenders, banks, guaranty agencies, loan servicers and investors. That industry is widely seen, both inside and outside the administration, as presenting the greatest legal risk to the debt relief program.

Many of those companies face economic losses when they lose borrowers who convert their federally guaranteed loans into new loans that are made directly by the Education Department through a process known as consolidation.

Administration officials said when they announced the debt relief program in August that borrowers with federally guaranteed loans should consolidate their loans in order to receive loan forgiveness.

The Education Department said Thursday that borrowers who already took those steps to receive loan forgiveness would still receive it. The agency said it would still provide debt relief to borrowers “who have applied to consolidate into the Direct Loan program prior to Sept. 29, 2022.” But the department said that path is no longer available to borrowers after the new guidance.

“Our goal is to provide relief to as many eligible borrowers as quickly and easily as possible, and this will allow us to achieve that goal while we continue to explore additional legally available options to provide relief to borrowers with privately owned FFEL loans and Perkins loans, including whether FFEL borrowers could receive one-time debt relief without needing to consolidate,” an Education Department spokesperson said in a statement.

The privately held federal student loans featured prominently in the new lawsuit filed by GOP attorneys general on Thursday.

The lawsuit, filed in federal court in Missouri, is based, in part, on the theory that the states are harmed directly by the Biden administration taking steps to forgive federal student loans held by private entities.

For example, in the lawsuit, Missouri Attorney General Eric Schmitt argues that the Missouri Higher Education Loan Authority, a quasi-state entity, which owns and services federally guaranteed student loans, faces economic harm from the debt relief program.

Nebraska Attorney General Doug Peterson argues in the lawsuit that some of his state’s pension fund is invested in securities that are backed by federally guaranteed loans. The lawsuit says the Biden relief program could cut in half the size of that market and hurt the state’s investments in it.

Some of the other states, however, argue that the entire student debt relief program — not just the federally guaranteed part — will cause them economic injury. They argue they’ll face lost tax revenue as a result of Biden’s student debt relief program for all types of federal student loans.

The Education Department spokesperson said the policy change would affect “only a small percentage of borrowers.” The most recent federal data, as of June 30, shows there were 4.1 million federal borrowers with $108.8 billion of loans held by private lenders.

Administration officials argued that the policy change would directly affect far fewer than millions of borrowers because a large share of the borrowers were never set to receive the relief in the first place or have other avenues to obtain relief.

Some 1.6 million borrowers with privately held federal student loans also have a direct loan, according to an administration official. Those borrowers will still be able to obtain debt relief on their direct loan, the official said, though it is possible that they will receive less overall relief.

Another 1.5 million borrowers have a certain type of privately held federal loan — an FFEL consolidation loan — would have faced a complex process for making their loans eligible for relief, according to an administration official.

Combined with some additional drop-off for borrowers who exceed the income limits of the program, administration officials argue that only about 770,000 borrowers would be directly affected by the policy change.

Earlier this month, the Biden administration released data estimating that 42.4 million borrowers across the country would be eligible for its debt relief program.

It’s not clear why the Biden administration decided on Thursday to pull the plug on allowing the subset of federal student loan borrowers to participate in the program. Industry officials and a wide range of policy experts had long warned — even before the administration’s August announcement — about the legal complexities associated with the federal government forgiving federally guaranteed student loans.

Top Education Department officials and industry groups had for weeks been negotiating a compromise deal in which the companies were compensated for their losses and would avoid suing the administration over the issue.

Those discussions have not yet produced a deal, but the administration signaled on Thursday they would continue negotiating.

The Education Department said on its website Thursday it “is assessing whether there are alternative pathways to provide relief to borrowers with federal student loans not held by [the Education Department], including FFEL Program loans and Perkins Loans, and is discussing this with private lenders.”

Thu, 29 Sep 2022 05:36:00 -0500 en text/html https://www.politico.com/news/2022/09/29/biden-administration-scales-back-student-debt-relief-for-millions-amid-legal-concerns-00059522 Killexams : Biden administration tightens student loan forgiveness amid legal challenges

The Biden administration is pulling back on its student debt relief program amid numerous legal challenges, including six new lawsuits filed by Republican-led states.

In a reversal from Biden’s original sweeping proposal in August to cancel federal student loans up to $20,000, the US Department of Education announced Thursday that it would not forgive debt from borrowers whose student loans are owned by private entities.

The White House faced its first legal challenges to the controversial program this week, which the nonpartisan Congressional Budget Office estimated Monday would cost taxpayers $400 billion.

In the existing lawsuit filed in federal court in Missouri on Thursday, Republican attorneys general from Arkansas, Iowa, Kansas, Missouri, Nebraska and South Carolina requested that the relief program be shut down, arguing that it’s unconstitutional and is “not remotely tailored to address the effects of the pandemic on federal student loan borrowers.”

While the federal student loans tied up with private entities account for just a small percentage of the potentially 42 million Americans affected by the program, there are significant business interests — including banks, guaranty agencies, loan servicers and investors — that pose a legal threat to the program, according to Politico.

Many businesses and companies would lose money lent to borrowers who converted their federal guaranteed loans into consolidated new loans made to the Department of Education.

Activists hold signs
Borrowers whose federal loans are owned by private lenders will no longer be eligible for relief as of Thursday.
AFP via Getty Images

As of June 30, federal data show there were 4.1 million federal borrowers with $108.8 billion worth of loans owned by private lenders, Politico reported.

Under Biden’s plan unveiled on Aug. 24, borrowers are eligible for forgiveness of up to $10,000 in federally owned student debt if they have an annual income under $125,000. Pell Grant recipients are eligible for $20,000 in forgiveness.

The DOE said Thursday that those who have already applied for consolidated loan forgiveness by Sept. 29 would still receive it, buy debt relief for those loans will no longer be available.

“As of Sept. 29, 2022, borrowers with federal student loans not held by ED cannot obtain one-time debt relief by consolidating those loans into Direct Loans,” the DOE said in an update on its website.

“Borrowers with [Federal Family Education Loan] FFEL Program loans and Perkins Loans not held by ED who have applied to consolidate into the Direct Loan program prior to Sept. 29, 2022, are eligible for one-time debt relief through the Direct Loan program.”

“Our goal is to provide relief to as many eligible borrowers as quickly and easily as possible, and this will allow us to achieve that goal while we continue to explore additional legally available options to provide relief to borrowers with privately owned FFEL loans and Perkins loans, including whether FFEL borrowers could receive one-time debt relief without needing to consolidate,” an Education Department spokesperson told Politico in a statement.

In their lawsuit, the six attorneys general claimed they would face economic hardship if loans owned by private lenders were forgiven. Nebraska Attorney General Doug Peterson said his state’s pension fund is partly invested in securities backed by guaranteed federal loans. Others argued that the entire program would negatively impact their states’ economies.

US President Joe Biden announces student loan relief on August 24, 2022
Biden announced his student debt relief program on Aug. 24, to backlash from conservatives.
AFP via Getty Images

The Department of Education said on its website it is “assessing whether there are alternative pathways to provide relief to borrowers with federal student loans not held by ED, including FFEL Program loans and Perkins Loans, and is discussing this with private lenders.”

Biden invoked emergency powers to authorize the loan forgiveness following a campaign by progressive Democrats — saying the COVID-19 pandemic meant he had a right to waive the debt. The administration has used a post-9/11 law meant to help members of the military as legal justification to reduce or erase student loan debt during a national emergency. 

Republicans have argued in their suit that the administration is misinterpreting the law because, in part, the pandemic is no longer a national emergency, as Biden claimed in a recent “60 Minutes” interview.

With Post wires

Fri, 30 Sep 2022 01:14:00 -0500 en-US text/html https://nypost.com/2022/09/29/biden-administration-tightens-student-loan-forgiveness-amid-legal-challenges/
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