Update status for Vanguard

The New York Times article says Vanguard has committed to adding 2FA by the end of 2014.
Update link for Vanguard
Update Travis Ruby version
Explicitly mention install command
Remove Gemfile.lock
Merge pull request #681 from jdavis/fix-travis

Fix failing of Travis
Merge pull request #672 from russelldavis/patch-1

Update status for Vanguard
Update education.yml
Merge pull request #683 from dsoegijono/patch

Add Academic Earth, Edmodo, edX to Education
Paypal exceptions update in payments.yml
Merge pull request #686 from mxxcon/Paypal

Paypal exceptions update in payments.yml

Closes #685