Class And Materials Fee Select How Many Classes You Wish: Fill & Download for Free

THE FOLLOWING DATA HAS BEEN TAKEN FROM INTERNET AND OTHER SOURCES.Disclamer: This data changes every year based on level of difficulty of paper and cut off marks. So I'm not responsible for any incorrect data.Hope you like it.It all depends on what college you're aiming for.For 15% quota.650+ for MAMC, Top colleges in Delhi.630+, for other colleges in Delhi.620+, for top colleges in other states. (Seth GS, BJMC, etc)570+, for top 5 colleges in other states520+, for a decent government college in a decent but not a very popular place.<520, not so popular places, like north East, or Andamans.For AFMC,The cutoff for boys, is around 490–505 so anything above that. To be on the safe side, something above 550.The cutoff for girls is around 530–550, but to be on the safe side something above 580–590For 85% State Quota,Well, this varies from state to state and this year all the colleges have not gone through NEET but they will be next year onwards. So I'm guessing a score even around 490–500 should get you into the top college in your state and 450 should get you into some colleges too.For Manipal,A score around 510 should get you admission in their course, but not with any scholarship. 10%scholarship should be avaliable around 520.For top Private colleges (like St Johns, Bangalore)Im guessing a score around 560 should be a safe betFor all other private collegesAnything above 360 should get you a college but the quality of the college and the amount of fee you have to pay will depend on your score.Hope this helps.I’ll do a quantitative study. This is for Non-Delhi students.Above 650— MAMC? Sure.Above 635— Delhi college? Sure.Above 610— Seth GS, IMS BHU, GMC Chandigarh, top state college? Sure.Above 590— Top state college through State Quota, 2nd best through AIQ.Above 560— Top college through state quota(100% chances in MP, little doubts in Delhi), decent medical colleges elsewhere.Above 540— Pretty good med. colleges in home state(Still the top one in MP), far fetched colleges in other states.Above 510— Get state college comfortably, borderline to get seat through AIQ.Above 490— Get college in state, not a good one(still a good one in MP). No chances in AI.Above 480— Borderline for State Quota(lower ones in MP), beginning of private med. colleges.I have mentioned the above for those students who don’t belong to highly competitive states, like UP, Delhi, Gujarat, Rajasthan and UT, Chandigarh.Thus, the better the college, the better the marks required. Choose for yourself :)I think this data applies more or less everywhere. If I am wrong, please do correct me.NCERT BOOKS are the base of NEET PREPARATION. DON'T EVEN SKIP A SINGLE LINE FROM NCERT BOOKS especially biology.For theory NCERT BIOLOGY IS BEST. FOR OBJECTIVE QUESTIONS FOCUS ON YOUR COACHING study materials or DINESH OBJECTIVE BIOLOGY. Also Trueman's Biology can be a better option for extra knowledge.Just focus on your goalsstudy regularlyfollow your coaching materialsdon't skip classesFollow proper time tablebe dedicated towards your goalsStop overthinkingRelax yourself before going to study tabletry to meditate each and every possible day which will help you to focus on your goalsZINDAGI MEIN MEHNAT KAROGE TOH PHAL BHI ACHA MILEGA. REMEMBER FRIENDS THESE TWO YEARS ARE THE MOST IMPORTANT YEARS OF YOUR LIFE . DON'T WASTE IT ON UNNECESSARY THINGS . STUDY HARD AND BE A SUCCESSFUL HUMAN BEING.MAKE GOOD USE OF TIME.Don't think too much about failure.EAT HEALTHY. STUDY REGULARLY.Koshish karne walon ki kabhi haar nahi hoti.Wish you good luck and all the best.Thank you so much once again.YE JO SAMAY HAI CHALA GAYA TOH LOT KE KABHI NHI AAYEGE. MAKE GOOD USE OF TIME.GOOD LUCK EVERYONE. GOD BLESS YOU.Please follow me and UP vote my answer. It feels great.Thanks a lot.

Seasoned investors continue to cross over from the more mature asset classes and regulators have eased off on the Crypto assault that led to the 2018 slump.With Bitcoin and the broader market sitting at more than 50% below their all-time highs, there is still plenty of incentive to enter the crypto sphere.For many, however, the crypto market may seem like a maze. There are a tremendous number of exchanges and brokers and that is before considering regulations imposed by regulators in recent years.Investing in cryptocurrencies requires a level of due diligence not too dissimilar to the research involved in other more mature asset classes.The volatility and sizeable returns on offer have certainly allowed investors to dream. After all, Bitcoin has yielded a mass number of Bitcoin millionaires, more commonly known as whales.Investing in cryptocurrency in general is a good business if you are on the right path and with the right platform. After so many failed attempt on getting the right platform, I came across Libraforex Cryptocurrency Investment Platform (www.libraforex,io) where i get different percentages on every investment i made with cryptocurrency every 10 days. It looks too good to be true until i gave it a try and trust me it has been a smooth ride all the way. Don’t give up on cryptocurrency and join the platform. Trust me, you won’t care about the price fluctuation anymore. Thank me Later.PS: This is not in any case of me trying to lure you into anything for my own personal financial gain, i am just innocently sharing so that you could gain one or two things as this has been working for me. You can also make a research on what works for you too.So, how do we invest in cryptocurrencies?While there are multiple considerations, some are more important than others when looking to enter the crypto market.Just jumping in on a whim that the majors will reach historical highs is a dangerous game. This is no dissimilar to jumping into the equity markets when they are sitting at record highs.There is one material difference, however. The regulatory landscape has materially changed since late 2017. For this very reason, investors may continue to face plenty of uncertainty before the market can find a return to the hay days.Understanding the key drivers and market characteristics are therefore particularly important.Basic EssentialsIn this guide, you will learn the key preparations that you need in order to build your cryptocurrency portfolio.Before making an investment, deciding on the source of funds would certainly be step 1.In spite of the current interest rate environment, it is recommended that you avoid funding the portfolio with debt.Credit Card or Bank Account – Investors will, therefore, need to decide on cash or credit card. As an investor, you can either fund your crypto trading account with a debit/credit card or by funding with a bank transfer.It is worth noting, however, that certain jurisdictions have banned the funding of crypto exchanges with credit cards. Some banks have even taken a step further and banned the transfer of fiat money to such exchanges.Nonetheless, the simplest method to fund a crypto exchange account is with a credit/debit card. This does tend to come with higher fees and caps on transfer amounts, however.Fiat to Bitcoin ExchangeFirst, you need to decide on which cryptocurrency or cryptocurrencies that you wish to trade.You would then need to identify the exchanges that have the largest trading volumes for the chosen cryptocurrencies.One consideration here is your source of funds. Not all exchanges allow fiat money deposits. A vast majority of exchanges restrict deposits to Bitcoin.Carrying out the necessary research on the most appropriate exchange is important. If you are looking for an exchange that accommodates the purchase of Bitcoin with fiat money:Coinbase is popular and easy to use, with a strong global presence. The exchange has the necessary security measures as well as delivering adequate liquidity for trading.When searching for the right exchange, it is worth noting that each has its pros and cons. The important thing is to identify the exchange that, first and foremost, delivers on your personal requirements.Other popular exchanges include:BinanceLocalBitcoinsBitfinexBittrexKrakenChangellyPrime XBTCoinmamaThese crypto exchanges not only cater to Bitcoin investors and traders but altcoins in general.It’s also worth considering exchanges that offer a wider choice of cryptocurrencies and altcoins. This would allow you to diversify your investments and gain exposure to the broader crypto market.Bitcoin to Crypto ExchangeThe next exchanges that you should look into are the ones you will be using for the Altcoins. Many of the smaller coins, my market cap, are generally not supported by larger exchanges. Generally speaking, the only way to buy those smaller coins is by buying them using Bitcoins or Ethereum.On most exchanges, you need to deposit Bitcoins as you cannot buy coins directly from the exchange. This is why it’s crucial that you have a Fiat to Bitcoin Exchange first.You can buy Altcoins from Binance, BitTrex, Kucoin, and Kraken.Choose the Right WalletThe next step in the crypto investment journey is to select the appropriate crypto wallets. It is essential to have your crypto wallet before buying any cryptocurrencies. You will need wallets to store your coins within your secure personal wallets.While exchanges allow investors to hold purchases coins within assigned exchange wallets, it’s recommended that you withdraw your cryptos and hold them in private wallets. This protects you and your investments from hackers and theft. It is also worth noting that wallet compatibility also needs to be considered.Crypto wallets to choose from include but are not limited to:Coinbase WalletExodus WalletJaxx Liberty WalletKeepKey WalletGuarda WalletAdvertisementBefore Getting StartedPrior to deciding on the most suitable crypto exchanges and wallets to support your trading activity, you need a trading strategy. As part of your strategy build, there are a number of factors to keep in mind:Only invest in what you can afford to loseDo not take a loan to investDo your own research, monitor the news wires, and view technical analysis on the respective cryptos that you decide to go with. FX Empire covers the largest cryptos, with exchanges also providing technical analysis to their users free of cost.Set realistic expectations, don’t be greedy, and know when to accept a loss. (It is easy to be influenced by the news wires and overzealous analysts talking of the next crypto boom or doom. It is best to block out such noise.Forming a Crypto Trading StrategyWhile identifying the most appropriate wallets and exchanges are vital, formulating a trading strategy is undoubtedly the most important pre-investment step for a prospective trader.Key Decisions:Cryptocurrency selection – A blend of the largest cryptos along with medium-sized to small cryptos by market cap is recommended. This also addresses any liquidity issues for the overall portfolio.Worth noting – A certain cryptocurrencies may have values that exceed the intended investment size. In such instances, identifying an exchange that offers CFDs or partial investment of a crypto coin is important.Trader durations – For traders with adequate time to trade, a short, medium, and longer-term trading strategy would make sense.Smaller size, more volatile, coins increase earnings potential intraday. These should ideally form no more than 20% of the total investment pool.The Largest coins should form longer-term strategies. With adequate research, however, smaller coins may also form part of this strategy.For the more medium-term strategies, which would be anything beyond intraday but less than a month, a blended portfolio is recommended. This can comprise of small, medium, and large-cap coins.In any trading strategy -using risk management tools and indicators is recommended. While there are fees incurred for using stop loss and trade profit, using these would protect your downside.80/20 RuleWhen considering crypto market volatility and the rise and fall of the smaller coins, an 80/20 blend of large-cap to mid to small-cap would be recommended.This would provide the opportunity to make sizeable gains any sudden surge in the small to mid-cap cryptos, whilst also holding the more stable coins. Do note that stable is a relative term in the crypto market. Even Bitcoin can see sizeable swings on a given day…Does the Number of Coins Matter?It ultimately boils down to the investment strategy that you build. With a blended portfolio, 1 Bitcoin may make up your large-cap portfolio, or 20 Litecoin for instance. It is important to focus on the blend rather than the actual number of coins that make up each component of the portfolio.RecommendationsBelow is a range of cryptos to consider the different components of your portfolio. This is not a comprehensive breakdown of the broader market and there may be coins that are more to your liking. As always, carry out the necessary research before hitting the buy or sell order…

Kevin Carey’s recent book, The End of College, starts with a great story. He introduces us to one of the most famous professors in the world, Eric Lander. His background is about as impressive as it gets. He’s a member of the National Academy of Sciences and the Institute of Medicine, led the Human Genome Project, and has expertise in his field that only a few in the world can even hope to approach. But aside from his accomplishments with the genome, he is also known as one of the best teachers at MIT. His class, introduction to Biology, is mandatory, and legendary. He has adoring fans gather around his desk after each class. More importantly, at least as far as the thesis of the book, his class has reached thousands of people around the world, for free, as a MOOC.Massively Open Online Courses were, a few years ago, trumpeted by companies like Udacity and others as the death knell of traditional education as we know it. Carey, like Malcolm Gladwell in his books, knows that we are wired for stories more than for data and overviews of research. While these latter things are what should be used to ‘prove’ his thesis, Carey’s book depends largely on profiles of the people in Silicon Valley, Cambridge, and a few other places who are at the forefront of the MOOC revolution. Sebastian Thrun, who was one of the first to create a MOOC, famously said that in 20 years there would only be a few dozen colleges and universities left.Since then, the death of traditional brick and mortar education has received a lot of comment from pundits and educators. Most think, as the cliché goes, that rumors of their death have been greatly exaggerated. Instead of MOOCs heralding a Gutenberg-level revolution, most see them as yet another set of bells and whistles that will help some people around the world get exposure to a huge range of topics and subjects, but won’t make much of difference to the way education works in the US. Colleges and universities will continue to bring students to campus and train them for the job market and for graduate school, perhaps with some implementation of MOOC technology, but not much will happen to force schools to either join the on-line revolution or sink into oblivion.Carey’s book attempts to show how they are wrong. His first chapter is instructive in several senses of the word. Carey himself takes Lander’s MOOC and earns a certificate for completing the same work as first year students at MIT. He has completed all the challenging problem sets and passed each of them. He has reached out to the TAs online for help and participated in online chat rooms with other students from all over the world. To put it simply, he has demonstrated mastery in a challenging MIT class and has a certificate to back it up. He even takes time to visit the class in real time — and comes away thinking online is better. Online, he can hit the pause button during the lecture to write notes in a more complete way than trying to write down words as they stream out in real time. He can concentrate on the class in a quiet way in the comfort of home, instead of being distracted by the student next to him who is focused far more on his phone than what is going on in class. He can hear Lander better and has multiple camera angles to see what he does, instead of seeing him a long way away at the back of a lecture hall.Carey convinces me that this particular class teaches students the material in ways that are even better than if he were there taking it in person. In addition, Carey also underscores how the new technology, combined with the discoveries in the fields of neuroscience and education science about learning, can help to individualize the experience of taking MOOCs.I advise anyone who is primed (the last word as it is used in neuroscience) against MOOCs to read this first chapter and then come up with reasons why Carey's experience does not convince you that this class is as good or better than taking the exact same class at MIT. I think if this chapter stood alone as an article it would get many to question their assumptions, and I think this is great. His interview for US News, “It's the End of College As We Know It (And I Feel Fine)” is a good introduction too.Much of the rest of the book unfolds in chapters that introduce us to some of the early leaders of the online education revolution. We hear about wonderful professors who have made their work accessible, for free, to people around the world. To give just one example of what this can mean, there is a person in Nigeria who has taken more than 250 MOOCs:Jima Ngei. Ngei, who lives in Port Harcourt, Nigeria, has completed and passed 250 MOOCs, all through Coursera, since September 2012. His self-styled education has included courses in English common law and Chinese history, data science and Latin American culture, social epidemiology and the life of Thomas Jefferson, to name a few.Of course Mr. Ngei is at the very far end of the bell curve of MOOC takers; he has taken and passed more courses than it would take to earn 5 undergraduate degrees. The data shows that people around the world, with neither the opportunity or the money to attend traditional schools in the US, can become “educated citizens” (to use Thomas Jefferson’s phrase).Another way that Carey sees education changing in the not-too-distant future has to do with the way colleges and universities will use deep data to select students in ways that some forward thinking businesses currently do. Jeffrey Selingo, whose own book, College (Un)Bound should be required reading for anyone who wants to get informed about data and education, has this to say about Carey in The WashingtonPost:In a compelling new book about higher education, The End of College, its author, Kevin Carey, lays out a future where admission to a college is based on the massive amounts of data and information already collected on students from an early age rather than a snapshot made in one moment in time for an application deadline.“Instead of waiting for applications to arrive, colleges will be able to conduct extensive searches of data that students and parents choose to make available,” writes Carey, who directs the education policy program at the New America Foundation.Under such a scenario, admissions would become something more akin to how employers now search LinkedIn and other online databases to recruit talent to their organizations rather than wait for an application to arrive in response to a job advertisement. LinkedIn already has lowered the minimum age to join the professional network to 14, partly in an effort to persuade more students in middle school and high school to begin building their profiles. As more students do, the day might not be that far away when a LinkedIn profile becomes the foundation for a college application or the place where admissions officers search for their next class of freshmen.Both Carey and Selingo believe that looking at a student’s data over many years — not just at transcripts, a set of tests, and an essay — is a far better way to predict success in college. If this all sounds unrealistic, I will simply add a quote from a very smart counselor who shared this with me in a discussion about this issue: “I spoke with an Eli Lilly exec the other day who told me that they almost solely hire from LinkedIn and MOOCs now. Try explaining that to high school students who have never heard of either.”In some cases, companies are hiring people who do not have a college degree but have the skills they are looking for — coding being one that many are searching for. I know a high school student who was brought in as an intern at Google based upon his MOOC certificates and recommendation from his MOOC professor. I am not saying that admissions will change dramatically in the next year or two, but schools are already using data to predict yield and to recruit prospective students. If they find that these alternatives will help them enroll more and stronger students, then the way students apply to schools may change radically in the next decade.While I like much of what Carey has to say as he tries to convince readers that colleges and universities will be falling by the hundreds (or even thousands) in the next several decades, he does not convince me that he has proven his thesis. He marshals a lot of evidence to make his case, but he also leaves out at least 5 things that will, I think, undercut any relatively fast transformation of the education landscape in the US.Habits and beliefsMany hold a deep and longstanding belief that the US education system — and our way of giving students access to great centers of learning — is the best in the world. It is part of the American Dream, something that many (rightly, I think), hold up as a shining beacon on the hill. The number of students who have flowed in from the rest of the world over the last two decades demonstrates that it isn’t just those in the US who believe the best schools in the world are here, it’s common wisdom. (For those who read much of what I write, you know I always use this last phrase as a way of turning the conversation in a new direction away from the common wisdom.)We are all guided by habits and beliefs to interpret the world through ideological and experiential frames. There are some (like Dan Ariely and Yuval Noah Hariari), who think that we think most of what we do with anything but rational approaches to issues.I mention this as most people I know think that traditional education, on a campus, is invaluable preparation for the real world. Some talk about the importance of liberal arts; others about the networking and career building skills that are a part of being in and out of classes among faculty and students and administrators. For many, then, it is "common sense" that on campus experiences make for a much deeper and fuller preparation for what will happen after graduation.Even if they are confronted with data (for example, over a third of students graduating from college today have no increase in critical thinking skills after 4 years and a degree—see the book "Academically Adrift" for the research on this), there is still the feeling that college should happen on a campus. We are slow to change the way we view things even if confronted with data. There are a majority of US citizens who think that evolution is not the best way to explain how we as humans have come to dominate the planet. I think the evidence is compelling but they do not. My citing data has virtually never changed someone’s mind on this issue. I am not sanguine that a few ‘experts’ who believe that the current way many receive an education today needs to change will be enough to shift the paradigm anytime soon.Schools ThemselvesIf Carey believes that the thousands of traditional colleges and universities will embrace the changes he proposes in education lightly then he too is not approaching things rationally. Some do not like to say that higher education is a big business but the way things run at most schools these days it is hard to find out why they think this. Larger and larger administrative bodies tightly run schools. They oversee budges, enrollments and fund-raising. The largest increase in hiring over the last decades has been on the administrative side as schools recognize that they need to be business savvy to keep things afloat. Many schools are already struggling. A few have closed already. What Carey proposes is yet another huge challenge to many school’s survival. As with any business under threat from competitors, there will be efforts to dismiss the data that Carey uses and efforts to undercut any big changes in the status quo. Everyone who works at a brick and mortar school has a stake in on-line options not gaining a large market share. There will be faculty, administrators, alumni and students who will all be on the side of the schools. They will be passionate advocates for what they offer. There will be media blitzes, studies released, and lots more to critique on-line education. Trying to separate the "signal from the noise" (I use the phrase that data guru Nate Silver uses as the title of his great book on this topic) among competing data will be difficult at best. There are billions of dollars at stake, untold thousands of jobs, and communities that will be in trouble too should local schools close. Will schools go the way of the newspapers? They were for many years the traditional way that many found out about the world. With the exception of a few strong brands, on-line resources have largely replaced newspapers.Seminars and LabsWhile I agree with Carey when it comes to the effective dissemination and evaluation of students on-line in introductory classes that are, by and large, lecture based, he does not address how students would complete labs, participate in seminars, or do individualized research on-line. I do not know how some of the things that require hands on activities could be reproduced on line—at least not yet. The labs, equipment and other resources are simply not there for student located all across the globe. Likewise, there is something special that can happen in a small seminar that cannot happen in a large lecture. If what I have said it accurate, then it may be that on-line education will permit student to learn something but that student will still need to travel to traditional campuses to take advantage of the resources there. Student may be able to earn credit and graduate in 2 years and there are some majors and areas of study that could be done completely remotely. But the technology is simply not there yet to give students who are not actually doing experiments and not actually doing group work with others on case studies etc. that have been created that have any data to back up that they are good enough to match what happens on a real campusTesting CompaniesIt may not seem readily apparent why testing companies would have a stake in caring if on-line classes earn credit, but they will stand to lose a huge market should this happen. The College Board is responsible not only for the SAT I and 2 tests, but also for the Advanced Placement program. As ETS has lost its market share to the ACT over the SAT I, they have needed to do a number of things to keep their business, non-profit as it is, getting students to pay for tests. The AP program has been increasingly important as many colleges and universities use AP classes and scores to determine admission. Schools all over the US and the world now offer APs. Each of these tests costs over 100.00 dollars so taking 5 or 10 (the typical number for students applying to selective schools) adds up to a lot of money. If student could take MOOCs instead either free or for a lower fee, and get credit for them and be looked at as equivalent or better than APs then the College Board would have another huge challenge to address. In addition the International Baccalaureate program also costs a lot to implement within a school and then they charge for the tests themselves. If student could take MOOCs instead of IBs and these ere also looked at as good or better, the number of student ad schools choosing the IB might drop at well. Like the schools themselves, the testing companies have a vested interest in trying to keep things the way they are and they will have people doing research to try to prove that there exams are better than MOOCs.SecurityThe last issue that I think is the one that represents the biggest challenge for giving credit for MOOCs and other on-line learning options centers o security. As the College Board has found in the past several years making sure tests are secure and that cheating isn’t going on has become an issue they still have yet to solve. Student, especially in Asia, have found ways to beat the test and score well. For MOOCs there is currently no way to assure that someone is not hiring an expert to take the MOOC for him or her. While this has not been an issue to date that is only because there is not a credit issue yet. Should schools move toward giving credit there will have to be a great deal of work done to create a way that ensures colleges and universities that the certificate students earn for courses represent the work of each individual challenge. I see this as the biggest problem of all the ones I have cited, as I do not know how security can be assured remotely. If the College Board has problems with people on-site taking the tests I cannot begin to guess how this issue will be solved simply or in a cost-effective way. Given this I would imagine that many schools would use security as the issue to refuse to grant credit.***********************************************************************If it seems I have now proven that the revolution has been hyped and that the status quo will continue along as it stands with just a few minimal changes then I need to also address how there is some evidence that Carey may be right about the transformative power of MOOCs.From the fall of the Berlin Wall, to 9/11 and its aftermath, to the sad outcomes of the Arab Spring, almost all pundits have missed the biggest changes headed our way. Taleb calls them Black Swans and I agree with you that we do not have the ability to predict what will happen years from now (let alone this afternoon). On the other hand, I do agree with William Gibson too (who was right about a lot of the things that have come to pass in technology --except he did it as so many visionaries have—through fiction/art): “The future is already here — it's just not very evenly distributed.”Now that schools are offering degrees on line for masters programs the door is open for schools to start offering credit for undergraduate courses. A recent article in The Chronicle of Higher Education outlines how these programs are already in place at a number of elite schools:Paid online courses for professional graduate programs.Yale University recently unveiled a new master’s program for aspiring physician assistants, offered through its medical school. The program will also involve a lot of fieldwork, but much of the academic coursework will be delivered online. It is the second program Yale has created along these lines; the other is a partially online doctoral degree in nursing, which the university announced in 2011.Degrees in fields like health care and teaching are in high demand, and many lesser-known players have grabbed big chunks of that market online by assuring prospective students that they can go back to school without upending their lives. Yale is not alone in its effort to claim its slice of the pie; graduate schools at the Johns Hopkins University, Georgetown University, the University of California at Berkeley, and others have also started offering online versions of their professional master’s programs.Online does not fundamentally threaten the appeal of professional programs, where the "student experience" is not as sacrosanct as it is at undergraduate colleges. Most people who enroll are working adults who already went through dorm life and student organizations and late-night philosophical chats with future members of their wedding parties. They are now mainly interested in learning a trade.One well-respected school, The University of Illinois Urbana-Champaign, has just announced it will offer an MBA degree via MOOCs. How this will work out and whether this model will be implemented by other schools is something that has yet to be determined, but it does signify that at least some places are taking the MOOC options seriously:"As with any MOOC, the content is available for free. Learners who wish to earn a credential but have no need for academic credit can pay a small fee, $79 a course, for an identity-verified certificate. Students can also apply to the College of Business and, if accepted, pursue the full M.B.A. degree. Finally, students can choose to take the courses individually for credit, postponing a decision about whether to go for a degree until they are well into the program."More significantly, at least as far as the large term effects on on-line education versus MOOCs, the first major university, Arizona State, has just announced that it will give a year’s worth of undergraduate credit for MOOCs The President of ASU, Michael Crow, put forward a number of radical changes in his recent book, "Designing the New American University". He has now opened the door for other schools to follow his lead in offering a lost cost option for students to earn credit for their first year of college. This move represents a significant challenge to the education establishment:Arizona State University, in partnership with edX, this fall will begin to offer credit-bearing massive open online courses at a fraction of the cost of either in-person or traditional online education.ASU’s faculty members will create about a dozen general-education MOOCs, the first of which -- an introductory astronomy course -- will launch this August. Anyone can register for and take the MOOCs for free, but those who pay a $45 fee to verify their identity can at the end of each course decide if they want to pay the university a separate, larger fee to earn academic credit for their work.By fall 2016, ASU anticipates it will offer enough MOOCs so that students can complete their entire freshman year online through what edX and the university are calling the Global Freshman Academy.After completing the courses, students can receive a transcript from ASU showing that they have earned enough credits at the university to transfer to a different program or institution as sophomores. Since the university stresses the MOOCs are just a new form of delivering courses it already offers, the transcripts won’t specify which type of course -- in-person, online or massive online -- students enrolled in to earn the credit.“What this does is it really opens up new pathways for all students, no matter where they are in the world,” edX CEO Anant Agarwal said in an interview. “There are no admissions requirements -- no SAT scores, no GPAs, no recommendation letters.”One would think that many in education would be thrilled to hear about this low-cost way for students to earn full credit for introductory courses. The transcript for these courses will look exactly the same as for those who take the courses on campus. Student can earn credit, skip introductory classes and possibly graduate in 3 years. The savings to them would be substantial, and given the student debt crisis it would seem to be a wonderful yet daring innovation.The reaction to this move has been swift, but not the way I would have thought. Questions about accreditation and whether such courses should count have already been raised. Some educators have already gone on record as calling this attempt to give credit “retrograde”.Paul L. Gaston, a Trustees Professor at Kent State University and author of Higher Education Accreditation: How It’s Changing and Why It Must, nevertheless called the Global Freshman Academy a “retrograde action” for an institution he praised for its innovation.“It’s a kind of compromise with the values that they have demonstrated in terms of clear learning outcomes and creating exciting environments for learning,” Gaston said. “I do think it represents a shift in the character of the kind of commitment that ASU has been known for.”The move by ASU and the reaction represents the conflicts that will be fought in the near and long term. Should MOOCs be incorporated as part of earning credit for degrees not just at ASU, but at many other schools, then things will change I n at least some of the ways Carey predicts. If the education establishment prevails and ASU fails to prove these courses prepare students for success, then MOOCs will still exist as a part of graduate programs and as a way of students and others from around the world of learning skills like coding and learning about an huge range of topics and subjects. They will not, however, become a threat for most of the colleges and universities who see the current model of brick and mortar education not as an outdated paradigm, but as what has made the US system of education the best in the world for the generations.Carey’s book does repeat itself in its unswerving allegiance to the transformative power of MOOCs. By the last chapter the tone earns the phrase 'religious fervor'. He himself wants MOOCs to become a sort of religious cathedral that will draw acolytes from all over the world. (The religious trope is his not mine.) They will learn from the scripture of the sciences and reason and a new dawn of humankind will begin. Ok, I am exaggerating a bit here, but not by that much. He does invoke religion and belief and that seems a bit over the top.But if the histories of religious differences throughout history are any guide, the war, at least of words, credit and cost will not be settled without causalities. If I had to guess the changes at the margins that are happening now would have to be embraced by the public at large perhaps based on the inability of most in the middle class and below to afford traditional education on campuses without incurring significant debt. Whether the casualties that may result are the colleges themselves or the MOOCs, is, for me at least, too hard to predict.***********************************************************************In the interest of full disclosure, I should add that I have taken a MOOC and learned a great deal from it. I have also had some debates with educators who think MOOCs are not useful in comparison to teaching students in a classroom. I mention this as I do not wish to pretend that I can approach this topic with anything approaching pure objectivity. All of us have cognitive biases.REM: the end of the world as we know it