I have been taking MOOCs continuously since the Stanford ones started (and took some non-video online classes years back at my University) and I am rather conce

I have been taking MOOCs continuously since the Stanford ones started (and took some non-video online classes years back at my University) and I am rather concerned about the affect directly giving credit for MOOCs could have on them. If physical University classes were free and easy to join I do not think I would participate much, and I think the bad taste I get stems from the people who are there just for the credit. Similarly, I wonder about the quality of peer reviews in MOOCs where most people are there for an external incentive. Personally, I would rather see independent test centers replace the accreditation process for everyone, removing that pressure from the teaching system all around. Also, I would love to hear thoughts from an Actuary on how the independent test system affects their profession and their expectations when meeting a new colleague.