EXHIBIT 23.1

                          INDEPENDENT AUDITORS' CONSENT


The Board of Directors
Ambac Assurance Corporation:

     We consent to the incorporation by reference in the registration statements
(Nos. 333-18877 and 333-47757) of ClassNotes, Inc. and Trans-World Insurance
Company d/b/a Educaid (the "Registrant") and in the Prospectus Supplement of the
Registrant (the "Prospectus Supplement"), included in the Form 8-K of the
Registrant dated March 16, 1998, of our report dated January 30, 1997 on the
consolidated financial statements of Ambac Assurance Corporation (formerly AMBAC
Indemnity Corporation ) as of December 31, 1996 and 1995, and for each of the
years in the three-year period ended December 31, 1996, which report appears in
the Form 8-K of Ambac Financial Group, Inc. (formerly AMBAC Inc.) dated March
12, 1997 and to the reference to our firm under the heading "Experts" in the
Prospectus Supplement.




New York, New York
March 16, 1998