Math

The Rubik's Cube Turns 50 (nytimes.com) 18

The Rubik's Cube turns 50 this year, but it's far from retiring. At a recent San Francisco conference, math buffs and puzzle fans celebrated the enduring appeal of Erno Rubik's invention, reports The New York Times. With a mind-boggling 43 quintillion possible configurations, the Cube has inspired countless variants and found uses in education and art.
Education

ChatGPT Outperforms Undergrads In Intro-Level Courses, Falls Short Later (arstechnica.com) 93

Peter Scarfe, a researcher at the University of Reading's School of Psychology and Clinical Language Sciences, conducted an experiment testing the vulnerability of their examination system to AI-generated work. Using ChatGPT-4, Scarfe's team submitted over 30 AI-generated answers across multiple undergraduate psychology modules, finding that 94 percent of these submissions went undetected and nearly 84 percent received higher grades than human counterparts. The findings have been published in the journal PLOS One. Ars Technica reports: Scarfe's team submitted AI-generated work in five undergraduate modules, covering classes needed during all three years of study for a bachelor's degree in psychology. The assignments were either 200-word answers to short questions or more elaborate essays, roughly 1,500 words long. "The markers of the exams didn't know about the experiment. In a way, participants in the study didn't know they were participating in the study, but we've got necessary permissions to go ahead with that," Scarfe claims. Shorter submissions were prepared simply by copy-pasting the examination questions into ChatGPT-4 along with a prompt to keep the answer under 160 words. The essays were solicited the same way, but the required word count was increased to 2,000. Setting the limits this way, Scarfe's team could get ChatGPT-4 to produce content close enough to the required length. "The idea was to submit those answers without any editing at all, apart from the essays, where we applied minimal formatting," says Scarfe.

Overall, Scarfe and his colleagues slipped 63 AI-generated submissions into the examination system. Even with no editing or efforts to hide the AI usage, 94 percent of those went undetected, and nearly 84 percent got better grades (roughly half a grade better) than a randomly selected group of students who took the same exam. "We did a series of debriefing meetings with people marking those exams and they were quite surprised," says Scarfe. Part of the reason they were surprised was that most of those AI submissions that were detected did not end up flagged because they were too repetitive or robotic -- they got flagged because they were too good.

Out of five modules where Scarfe's team submitted AI work, there was one where it did not receive better grades than human students: the final module taken by students just before they left the university. "Large language models can emulate human critical thinking, analysis, and integration of knowledge drawn from different sources to a limited extent. In their last year at the university, students are expected to provide deeper insights and use more elaborate analytical skills. The AI isn't very good at that, which is why students fared better," Scarfe explained. All those good grades Chat GPT-4 got were in the first- and second-year exams, where the questions were easier. "But the AI is constantly improving, so it's likely going to score better in those advanced assignments in the future. And since AI is becoming part of our lives and we don't really have the means to detect AI cheating, at some point we are going to have to integrate it into our education system," argues Scarfe. He said the role of a modern university is to prepare the students for their professional careers, and the reality is they are going to use various AI tools after graduation. So, they'd be better off knowing how to do it properly.

AI

Exam Submissions By AI Found To Earn Higher Grades Than Real-Life Students (yahoo.com) 118

Exam submissions generated by AI can not only evade detection but also earn higher grades than those submitted by university students, a real-world test has shown. From a report: The findings come as concerns mount about students submitting AI-generated work as their own, with questions being raised about the academic integrity of universities and other higher education institutions. It also shows even experienced markers could struggle to spot answers generated by AI, the University of Reading academics said.

Peter Scarfe, an associate professor at Reading's School of Psychology and Clinical Language Sciences said the findings should serve as a "wake-up call" for educational institutions as AI tools such as ChatGPT become more advanced and widespread. He said: "The data in our study shows it is very difficult to detect AI-generated answers. There has been quite a lot of talk about the use of so-called AI detectors, which are also another form of AI but (the scope here) is limited." For the study, published in the journal Plos One, Prof Scarfe and his team generated answers to exam questions using GPT-4 and submitted these on behalf of 33 fake students. Exam markers at Reading's School of Psychology and Clinical Language Sciences were unaware of the study. Answers submitted for many undergraduate psychology modules went undetected in 94% of cases and, on average, got higher grades than real student submissions, Prof Scarfe said.

Education

Google Is Bringing Gemini Access To Teens Using Their School Accounts (techcrunch.com) 15

An anonymous reader quotes a report from TechCrunch: Google announced on Monday that it's bringing its AI technology Gemini to teen students using their school accounts, after having already offered Gemini to teens using their personal accounts. The company is also giving educators access to new tools alongside this release. Google says that giving teens access to Gemini can help prepare them with the skills they need to thrive in a future where generative AI exists. Gemini will help students learn more confidently with real-time feedback, the company believes.

Google claims it will not use data from chats with students to train and improve its AI models, and has taken steps to ensure it's bringing this technology to students responsibly. Gemini has guardrails that will prevent inappropriate responses, such as illegal or age-gated substances, from appearing in responses. It will also actively recommend teens use its double-check feature to help them develop information literacy and critical thinking skills. Gemini will be available to teen students while using their Google Workspace for Education accounts in English in more than 100 countries. Gemini will be off by default for teens until admins choose to turn it on.
Google also announced that it's launching its Read Along in Classroom feature worldwide to help students improve reading skills with real-time support. Educators can assign grade-level or phonics-based reading activities and receive insights on students' reading accuracy, speed, and comprehension.
AI

Head of Paris's Top Tech University Says Secret To France's AI Boom Is Focus on Humanities (yahoo.com) 23

French universities are becoming hotbeds for AI innovation, attracting investors seeking the next tech breakthrough. Ecole Polytechnique, a 230-year-old institution near Paris, stands out with 57% of France's AI startup founders among its alumni, according to Dealroom data analyzed by Accel. The school's approach combines STEM education with humanities and military training, producing well-rounded entrepreneurs. "AI is now instilling every discipline the same way mathematics did years ago," said Dominique Rossin, the school's provost. "We really push our students out of their comfort zone and encourage them to try new subjects and discover new areas in science," he added.

France leads Europe in AI startup funding, securing $2.3 billion and outpacing the UK and Germany, according to Dealroom.
Education

Prosus Writes Down $22 Billion Education Startup Byju's To Zero 17

Dutch technology investor Prosus has written down its stake in Indian edtech firm Byju's to zero, a stark fall for a startup once valued at $22 billion. Prosus, holding a 9.6% stake, cited a "significant decrease in value for equity investors" in its earnings report.

Byju's, which sells online courses to K12 students, is grappling with financial and governance issues and declining revenues. The departure of its auditor and board members, including a Prosus executive, further rattled investor confidence last year.
Education

Michigan Lawmakers Advance Bill Requiring All Public High Schools To At Least Offer CS (chalkbeat.org) 70

Michigan's House of Representatives passed a bill requiring all the state's public high schools to offer a computer science course by the start of the 2027-28 school year. (The bill now goes to the Senate, according to a report from Chalkbeat Detroit.)

Long-time Slashdot reader theodp writes: Michigan is also removing the requirement for CS teacher endorsements in 2026, paving the way for CS courses to be taught in 2027 by teachers who have "demonstrated strong computer science skills" but do not hold a CS endorsement. Michigan's easing of CS teaching requirements comes in the same year that New York State will begin requiring credentials for all CS teachers.

With lobbyist Julia Wynn from the tech giant-backed nonprofit Code.org sitting at her side, Michigan State Rep. Carol Glavnille introduced the CS bill (HB5649) to the House in May (hearing video, 16:20). "This is not a graduation requirement," Glavnille emphasized in her testimony. Code.org's Wynn called the Bill "an important first step" — after all, Code.org's goal is "to require all students to take CS to earn a HS diploma" — noting that Code.org has also been closely collaborating with Michigan's Education department "on the language and the Bill since inception." Wynn went on to inform lawmakers that "even just attending a high school that offers computer science delivers concrete employment and earnings benefits for students," citing a recent Brookings Institute article that also noted "30 states have adopted a key part of Code.org Advocacy Coalition's policy recommendations, which require all high schools to offer CS coursework, while eight states (and counting) have gone a step further in requiring all students to take CS as a high school graduation requirement."

Minutes from the hearing report other parties submitting cards in support of HB 5649 included Amazon (a $3+ million Code.org Platinum Supporter) and AWS (a Code.org In-Kind Supporter), as well as College Board (which offers the AP CS A and CSP exams) and TechNet (which notes its "teams at the federal and state levels advocate with policymakers on behalf of our member companies").

AI

Foundation Honoring 'Star Trek' Creator Offers $1M Prize for AI Startup Benefiting Humanity (yahoo.com) 37

The Roddenberry Foundation — named for Star Trek creator Gene Roddenberry — "announced Tuesday that this year's biennial award would focus on artificial intelligence that benefits humanity," reports the Los Angeles Times: Lior Ipp, chief executive of the foundation, told The Times there's a growing recognition that AI is becoming more ubiquitous and will affect all aspects of our lives. "We are trying to ... catalyze folks to think about what AI looks like if it's used for good," Ipp said, "and what it means to use AI responsibly, ethically and toward solving some of the thorny global challenges that exist in the world...."

Ipp said the foundation shares the broad concern about AI and sees the award as a means to potentially contribute to creating those guardrails... Inspiration for the theme was also borne out of the applications the foundation received last time around. Ipp said the prize, which is "issue-agnostic" but focused on early-stage tech, produced compelling uses of AI and machine learning in agriculture, healthcare, biotech and education. "So," he said, "we sort of decided to double down this year on specifically AI and machine learning...."

Though the foundation isn't prioritizing a particular issue, the application states that it is looking for ideas that have the potential to push the needle on one or more of the United Nations' 17 sustainable development goals, which include eliminating poverty and hunger as well as boosting climate action and protecting life on land and underwater.

The Foundation's most recent winner was Sweden-based Elypta, according to the article, "which Ipp said is using liquid biopsies, such as a blood test, to detect cancer early."

"We believe that building a better future requires a spirit of curiosity, a willingness to push boundaries, and the courage to think big," said Rod Roddenberry, co-founder of the Roddenberry Foundation. "The Prize will provide a significant boost to AI pioneers leading these efforts." According to the Foundation's announcement, the Prize "embodies the Roddenberry philosophy's promise of a future in which technology and human ingenuity enable everyone — regardless of background — to thrive."

"By empowering entrepreneurs to dream bigger and innovate valiantly, the Roddenberry Prize seeks to catalyze the development of AI solutions that promote abundance and well-being for all."
AI

OpenAI CTO: AI Could Kill Some Creative Jobs That Maybe Shouldn't Exist Anyway (pcmag.com) 88

OpenAI CTO Mira Murati isn't worried about how AI could hurt some creative jobs, suggesting during a talk that some jobs were maybe always a bit replaceable anyway. From a report: "I think it's really going to be a collaborative tool, especially in the creative spaces," Murati told Darmouth University Trustee Jeffrey Blackburn during a conversation about AI hosted at the university's engineering department. "Some creative jobs maybe will go away, but maybe they shouldn't have been there in the first place," the CTO said of AI's role in the workplace. "I really believe that using it as a tool for education, [and] creativity, will expand our intelligence."
Education

Britain's Universities in Existential Crisis? (prospectmagazine.co.uk) 229

Britain's university sector, a key contributor to the country's economy and global standing, is facing an unprecedented crisis that threatens its very existence, according to an analysis by Glen O'Hara, a professor of modern and contemporary history at Oxford Brookes University. Despite collectively generating over $61.1 billion in annual income and $28 billion in export earnings, universities across the UK are grappling with declining funding, widespread cuts, and internal divisions. The sector's annual losses stand at $2.55 billion, with one in four universities in the red.

Job cuts have become a daily occurrence, with institutions such as Coventry, Goldsmith's, Kent, and Lincoln slashing staff numbers. The downsizing is primarily occurring through retirements and voluntary severance schemes, but the long-term outlook remains bleak. Experts cited in an analysis by Prospect magazine warn that without fundamental re-engineering and strategic direction, the sector risks a gradual decline, with some universities potentially facing bankruptcy. The government's focus on the "culture wars" has further divided the public from their local campuses, while the real crisis lies in the finance and organization of the sector.

The frozen tuition fees for home students, coupled with unpredictable inflation, have left universities struggling to cover costs. Attempts to offset losses by recruiting more students in cheaper-to-teach subjects and attracting international students have reached their limits, with the latter now in decline. As the next government grapples with this crisis, stopgap measures such as small funding injections, slight fee increases, and encouraging university mergers may provide temporary relief.
United States

Texas A&M University Tops Nation in Engineering Research Expenditures (houstonchronicle.com) 30

An anonymous reader shares a report: Texas A&M University held the largest engineering research portfolio of any academic institution in the country last year, nearing half a billion dollars and surpassing Massachusetts Institute of Technology for the top spot, according to U.S. News & World Report. The state flagship's College of Engineering recorded $444.7 million in research expenditures in the 2023 fiscal year, university officials said.

A mix of federal, state and private grants funds those efforts, so more expenditures means more partnerships and a larger engineering footprint than ever, Texas A&M University System Chancellor John Sharp said. "An awful lot of people in Washington, a lot of people in Austin, a lot of people in the private sector now rely on Texas A&M to do their engineering research," Sharp said. "Of all the places in the country now, the No. 1 place people go to research engineering problems is Texas A&M University."

Education

87% in New Poll Say Cost an Important Reason For Halting Studies (thehill.com) 167

A new Gallup survey released Tuesday found cost and work conflicts are the top reasons Americans choose to discontinue their higher education. From a report: In the poll, 87 percent said cost was a "very" or "moderately" important reason for pursuing further institutional study, while 81 percent pointed to work conflicts. The other two leading reasons were the time it takes to complete a degree at 73 percent and lack of remote options at 70 percent. Cost tops the list among all demographic groups, including across racial and ethnic lines.

"For many of these Americans, their time enrolled in these courses represents significant opportunity costs and financial investment. Given that they lack a degree or credential to show for their time enrolled, they are often worse off than if they never enrolled to begin with," Gallup said. Colleges prices have been surging for decades, with some estimating a 180 percent increase between 1980 and 2020. The cost of Ivy League schools is nearing $90,000 a year, and the average student debt held in the U.S. sits around $30,000. "Today, approximately 41.9 million Americans have some college experience but no degree or credential. The percentage of Americans who have taken some college courses, but who have stopped out and not completed their degree or credential, has increased significantly over the past five years," Gallup found.

Education

Los Angeles Schools To Consider Ban on Smartphones (reuters.com) 92

The Los Angeles Unified School District on Tuesday will consider banning smartphones for its 429,000 students in an attempt to insulate a generation of kids from distractions and social media that undermine learning and hurt mental health. From a report: The proposal was being formulated before U.S. Surgeon General Vivek Murthy on Monday called for a warning label on social media platforms, akin to those on cigarette packages, due to what he considers a mental health emergency. The board of the second-largest school district in the United States is scheduled to vote on a proposal to within 120 days develop a policy that would prohibit student use of cellphones and social media platforms and be in place by January 2025.

The L.A. schools will consider whether phones should be stored in pouches or lockers during school hours, according to the meeting's agenda and what exceptions should be made for students with learning or physical disabilities. Nick Melvoin, a board member and former middle school teacher who proposed the resolution, said cell phones were already a problem when he left the classroom in 2011, and since then the constant texting and liking has grown far worse.

AI

Turkish Student Arrested For Using AI To Cheat in University Exam (reuters.com) 49

Turkish authorities have arrested a student for cheating during a university entrance exam by using a makeshift device linked to AI software to answer questions. From a report: The student was spotted behaving in a suspicious way during the exam at the weekend and was detained by police, before being formally arrested and sent to jail pending trial. Another person, who was helping the student, was also detained.
Google

PC Makers Hopeful That Chromebook Refresh Cycles About To Kick In (theregister.com) 21

A Chromebook refresh looms despite Google trying to extend the life of laptops by offering a decade of service updates for models sold since 2021. From a report: Sales of the hardware, which flew off the shelves during the pandemic, ran out of steam in 2022 after buyers had their fill. The US education market generally accounts for 70 to 80 percent of annual orders. The sharp downturn left some vendors holding excess inventory. Yet the refresh cycle may be starting again, according to HP boss Enrique Lores.

"So we have started to see a pickup of demand in education, and this, especially in the US, is a Chromebook opportunity," he told an audience of investors at Bernstein's 40th Annual Strategic Decision Conference. He forecast a flurry of activity in 2025 for "many million of units" from education but downplayed the impact on HP's balance sheet because the company pulled back from the product line after the pandemic. Lores said: "We are going after these deals because we think it's good, but it's not like ... a huge impact on the company."

DRM

Big Copyright Win in Canada: Court Rules Fair Use Beats Digital Locks (michaelgeist.ca) 16

Michael Geist Pig Hogger (Slashdot reader #10,379) reminds us that in Canadian law, "fair use" is called "fair dealing" — and that Canadian digital media users just enjoyed a huge win. Canadian user rights champion Michael Geist writes: The Federal Court has issued a landmark decision on copyright's anti-circumvention rules which concludes that digital locks should not trump fair dealing. Rather, the two must co-exist in harmony, leading to an interpretation that users can still rely on fair dealing even in cases involving those digital locks.

The decision could have enormous implications for libraries, education, and users more broadly as it seeks to restore the copyright balance in the digital world. The decision also importantly concludes that merely requiring a password does not meet the standard needed to qualify for copyright rules involving technological protection measures.

Canada's 2012 "Copyright Modernization Act" protected anti-copying technology from circumvention, Geist writes — and Blacklock's Reports had then "argued that allowing anyone other than original subscriber to access articles constituted copyright infringement." The court found that the Blacklock's legal language associated with its licensing was confusing and that fair dealing applied here as well...

Blacklock's position on this issue was straightforward: it argued that its content was protected by a password, that passwords constituted a form of technological protection measure, and that fair dealing does not apply in the context of circumvention. In other words, it argued that the act of circumvention (in this case of a password) was itself infringing and it could not be saved by fair dealing. The Federal Court disagreed on all points...

For years, many have argued for a specific exception to clarify that circumvention was permitted for fair dealing purposes, essentially making the case that users should not lose their fair dealing rights the moment a rights holder places a digital lock on their work. The Federal Court has concluded that the fair dealing rights have remained there all along and that the Copyright Act's anti-circumvention rules must be interpreted in a manner consistent with those rights.

"The case could still be appealed, but for now the court has restored a critical aspect of the copyright balance after more than a decade of uncertainty and concern."
United States

Louisiana Becomes 10th US State to Make CS a High School Graduation Requirement (linkedin.com) 89

Long-time Slashdot reader theodp writes: "Great news, Louisiana!" tech-backed Code.org exclaimed Wednesday in celebratory LinkedIn, Facebook, and Twitter posts. Louisiana is "officially the 10th state to make computer science a [high school] graduation requirement. Huge thanks to Governor Jeff Landry for signing the bill and to our legislative champions, Rep. Jason Hughes and Sen. Thomas Pressly, for making it happen! This means every Louisiana student gets a chance to learn coding and other tech skills that are super important these days. These skills can help them solve problems, think critically, and open doors to awesome careers!"

Representative Hughes, the sponsor of HB264 — which calls for each public high school student to successfully complete a one credit CS course as a requirement for graduation and also permits students to take two units of CS instead of studying a Foreign Language — tweeted back: "HUGE thanks @codeorg for their partnership in this effort every step of the way! Couldn't have done it without [Code.org Senior Director of State Government Affairs] Anthony [Owen] and the Code.org team!"

Code.org also on Wednesday announced the release of its 2023 Impact Report, which touted its efforts "to include a requirement for every student to take computer science to receive a high school diploma." Since its 2013 launch, Code.org reports it's spent $219.8 million to push coding into K-12 classrooms, including $19 million on Government Affairs (Achievements: "Policies changed in 50 states. More than $343M in state budgets allocated to computer science.").

In Code.org by the Numbers, the nonprofit boasts that 254,683 students started Code.org's AP CS Principles course in the academic year (2025 Goal: 400K), while 21,425 have started Code.org's new Amazon-bankrolled AP CS A course. Estimates peg U.S. public high school enrollment at 15.5M students, annual K-12 public school spending at $16,080 per pupil, and an annual high school student course load at 6-8 credits...

The Internet

Internet Addiction Alters Brain Chemistry In Young People, Study Finds (theguardian.com) 59

An anonymous reader quotes a report from The Guardian: Young people with internet addiction experience changes in their brain chemistry which could lead to more addictive behaviors, research suggests. The study, published in PLOS Mental Health, reviewed previous research using functional magnetic resonance imaging (fMRI) to examine how regions of the brain interact in people with internet addiction.

They found that the effects were evident throughout multiple neural networks in the brains of young people, and that there was increased activity in parts of the brain when participants were resting. At the same time, there was an overall decrease in the functional connectivity in parts of the brain involved in active thinking, which is the executive control network of the brain responsible for memory and decision-making. The research found that these changes resulted in addictive behaviors and tendencies in adolescents, as well as behavioral changes linked to mental health, development, intellectual ability and physical coordination.
"Adolescence is a crucial developmental stage during which people go through significant changes in their biology, cognition and personalities," said Max Chang, the study's lead author and an MSc student at the UCL Great Ormond Street Institute of Child Health (GOS ICH). "As a result, the brain is particularly vulnerable to internet addiction-related urges during this time, such as compulsive internet usage, cravings towards usage of the mouse or keyboard and consuming media. The findings from our study show that this can lead to potentially negative behavioral and developmental changes that could impact the lives of adolescents. For example, they may struggle to maintain relationships and social activities, lie about online activity and experience irregular eating and disrupted sleep."

Chang said he hopes the findings allow early signs of internet addiction to be treated effectively. "Clinicians could potentially prescribe treatment to aim at certain brain regions or suggest psychotherapy or family therapy targeting key symptoms of internet addiction," said Chang. "Importantly, parental education on internet addiction is another possible avenue of prevention from a public health standpoint. Parents who are aware of the early signs and onset of internet addiction will more effectively handle screen time, impulsivity, and minimize the risk factors surrounding internet addiction."
Education

College-Level Minecraft-Based CS Courses Approved for US High School Students 58

Long-time Slashdot reader theodp writes: "This is truly game-changing news!" exclaims Minecraft Education's Laylah Bulman in a LinkedIn post targeting high school CS educators. "We're thrilled to announce that the AP Computer Science Principles with Minecraft and MakeCode Curriculum has officially been approved by The College Board! And we are offering free professional learning for our inaugural cohort this summer...!

"Minecraft's highly engaging environment makes complex coding concepts relatable and fun, fostering a deeper understanding and encouraging broader participation. Ready to empower your students? Don't miss this opportunity!"

Recent Edsurge articles (sponsored by Minecraft Education) touted how Minecraft has found its way into computer science and other curricula in New York City and Broward County (Florida), two of the nation's largest school districts... Microsoft-backed nonprofit Code.org has also pushed Minecraft-themed CS tutorials into the nation's classrooms via its wildly-popular annual Hour of Code events since 2015, a year after Microsoft paid $2.5B to buy Minecraft. ("The best way to introduce anyone to STEM or get their curiosity going on, it's Minecraft," declared Microsoft CEO Satya Nadella at the time). Minecraft-related learning initiatives have also received millions of dollars in grants from the U.S. Department of Education and the National Science Foundation.
Education

There's a Program to Cancel Some Private US Student Loans. Most Don't Know About It. (yahoo.com) 50

The New York Times reports on a program to forgive U.S. student loans from private lenders — a kind of private parallel to a federal program which "allows those who were seriously misled by their schools to have their federal student loans eliminated."

The problem? Eight U.S. senators complain the loan discharge process remains "burdensome and confusing" — and most students don't even know it exists. Navient, a large owner of private student loan debt, has created, but not publicized, a program that allows borrowers to apply to have their loans forgiven.... A nonprofit group of lawyers has stepped in ease the process: On Thursday, the Project on Predatory Student Lending, an advocacy group in Boston, published Navient's application form and an instruction guide for borrowers with private loans who are seeking relief on the grounds that their school lied to them...

For nearly a decade, in the early 2000s, Navient — then known as Sallie Mae — struck deals with for-profit schools to issue private loans to their students. Lawsuits from state attorneys general later accused Navient of making those loans knowing that most would never be repaid. Many schools indemnified Navient for the private loans, agreeing to defray the company's loss if the loans defaulted. In 2022, Navient settled with 40 state attorneys general and canceled $1.7 billion in debt on those private loans — but only for borrowers who had already defaulted. Because those debts were unlikely to ever be repaid, the deal cost Navient only $50 million, the company said in regulatory filings. Borrowers who had kept paying their bills... remained stuck.

But a pressure campaign from lawmakers, federal regulators and lawyers representing borrowers prompted the company to create the "school misconduct discharge." Navient began sending a 12-page application form this year to some borrowers who complained about their private loans. The document lists dozens of types of impropriety by schools — such as inflating job placement rates and graduates' earnings, or misrepresenting their educational programs — and asks borrowers to choose which apply to their experience. Applicants are required to submit documentation for their claims...

[Navient's CEO, David Yowan] told investors on a conference call in January that Navient had put $35 million in reserve for losses on school misconduct claims. He cited "new regulatory expectations" as the reason. Navient has not disclosed how much of its $16.6 billion private student loan portfolio consists of loans that could be eligible for the debt cancellation program.

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