Jim Stout

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a self-determined, competency-based credentialing system would also put us on a path to solve the problem of endlessly rising educational costs. In an individualized system, you pay for exactly the credentials you want and need—and nothing more. Instead of one institution locking you into paying four years of tuition, different institutions will compete to offer you the best possible credential at the lowest possible price.
Jim Stout
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The End of Average: How We Succeed in a World That Values Sameness
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