The document discusses potential changes in education by 2020 due to technology and social disruptors. Key points include: 1) Technology like MOOCs, mobile learning, and adaptive platforms will enable inexpensive and new modes of learning as well as credentials like badges. 2) Social factors may impact education, such as high costs of university in the US and uncertain job outcomes for graduates. 3) By 2020, the author predicts a widening gap between top and other universities. Courses will be offered through MOOCs. Learning may increasingly take place informally through platforms like Quora and Stack Overflow to supplement jobs. Intelligent systems may reduce the need to learn for some.