graduation has more than 3 million college students graduating this year. most will be shackled in debt. on average, 27,000 per graduate. some receiving their diplomas wearing ball and chain shackles, signifying their debt. instead of writing hi, mom on their caps for the air shot, they're writing their total amount of debt. they even have this duwop music to spread the word. ♪ ♪ and a ball and chain ♪ >> and faced with a weak job market on top of all that debt, many of this brings graduates defaulting on their student

loans, many without finding a job they put into their debt earning. more than half of bachelors' degrees were out of work or underemployed last year. they're more than likely to work as waitresses, bartenders, physicists combined. president obama delivered the address at barnard college and talked about the challenges facing graduates. >> just as you were starting out finding your way around campus, an economic crisis struck 5 million jobs before the end of your freshman year. i'm convinced you are tough, and it is that spirit which we need for your generation. to embrace and rekindle right now. >> well, we start with media spokesperson, one of the founding fa sill tarcilitators

college, and mark is discoverer of aid california. obviously, this is an effort to raise awareness. since you began this process, to what degree do you feel you are having an impact in elevating people's awareness of just how really bankrupt this whole system is right now? >> well, dylan, you said it, this is to create awareness, and we've sent out many letters just on tuesday. and in less than a week, we've had over ten colleges sign up to participate. hundreds upon hundreds of students wear their debt amounts on their caps, and we have more schools signing up every day. i think we're already making quite a large impact, and people just got wind of this a week ago. >> wonderful. and congratulations, and if we don't acknowledge the existence of these problems, mark, then we'll never create the collective collaboration necessary to solve them.

what are the statistics that most stick in your craw when you look at the rat frh from unemployment to debt to inflation in colleges, what really stands out for you, mark? >> well, student loan debt hit a trillion dollars last week, and that's a clear indication that it's a macroeconomic factor with potential to affect the economy. and the average debt at graduation was about $27,000. it keeps going up year after year. in the meantime, both the federal and state government have been cutting the grant programs which forces students to borrow more money. >> natalia, there is an interesting parallel here. i don't know if you see it or if other folks see it, but certainly i see it. maybe it's because of the bank -- my intimatecy wicy with

banking situation. we went through a period of time where it was favorable for everybody to have a house. everybody had to have a house. then there was deregulation in the banking system where banks were encouraged to lend the money they didn't have to people to get houses, the whole thing imploded. it was basically a moral conspiracy between political leadership and the financial institutions. it appeared that an identical if he no, ma'am no o-- phenomenon says everybody should have an education, but the morally correct call for earning an education, much as the moral call for a home, has now been placed as a political prop for politicians and used as a courtesy for bank to extend credit, and in the same way housing prices have exploded higher, so, too, have college

prices. it is literally a mathematical, identical structure, and just as the home debt will never be paid back and needs to be restructured, we now have a trillion dollars in student debt that needs to be restructured, which is bad enough, but more importantly, we seem to have taken our eye off the ball to the fact that learning has gotten much cheaper, much more accessible, and the reality is that learning things should be cheaper and easier than it's ever been, skpin steand insteada bankrupting system that's inaccessible. i don't think that's anybody's fault, i think that's a collectively, morally misguided presence, but at the end of the day, just as the homeowners end up holding the bag for morally righteous politicians, students end up holding the bag for moral righteousness of bankers and politicians. do you get a sense that the

media, banks or the government is even willing to admit the flaw that is now being laden upon the folks that you have been trying to facilitate? >> well, absolutely not, and to answer your first question, yes, we do see the parallels. this is the next big bubble to burst. if you want to talk about predatory lending, giving $100,000 loans to 18-year-olds i think definitely qualifies for that. i don't think the government or the politicians are really doing enough. we're still seeing students used as political pawns, as we've been seeing with this loan interest rate hike. they're just a pawn in the political system as opposed to actually fighting for the rights of students and solving that student's issue. >> mark, this is really just a symptom of a political and lending system that really considers money and power to be vastly more important than human beings, and as such, if you've been a catch, money and power to the debt enslavement of humans that that's a really good business, especially if you can do it legally.

>> yeah. well, it's about politics, not policy. to give a good example, if you default on your student loans because you're disabled, you're receiving social security disability, the government will take up to 15% of your disability payments to pay back your student loans. you're getting that disability payment because you can't work. you need that money to live, so the government is giving with one hand, taking back with the other and saying that it's more important for the government to give its money back than it is to treat the disabled individual as a human being. >> at what point, natalia, will the lie of going to college as a necessary prerequisite to getting a job be exposed? what i mean is, how many people have to go to college, be laden in debt to not have a job to realize, wow, i'd rather be unemployed with no debt than unemployed with $100,000 in debt, and at this point, people's ability, human beings'

ability, to find money, find investment, mind money, find each other in this project. i just wonder when all of us will abandon these institutions which are not much more than institutions that serve a small group of people. >> as you said a million times, it's about prestige, it's not about education. colleges just care about the prestige. i think we're hitting that point. we have one in five students defaulting on their student loans. to me that's a national security issue. we're creating a generation of students with nothing to lose. that frightens me growing up. i want a society that's well educated with students not burdenened and shackled to their debt so they cannot contribute to society. i think it's happening now. we've started to see students wake up since october. students are waking up. i hear now from students saying,

maybe i shouldn't go to college. i don't think this is the right choice for me. that's scary. we need to have an educated population to have a safer society. >> and in order to have an ed indicated population, we need tools that are stunningly easy, stunningly cheap than money to buy prestige. if you live in a rigged society, prestige is the only way you can prevent yourself made part of the slave class, which no one else wants to be. so if you're selling access, you borrow money, you get the prestige, you're in. it's a whiild state. i'm sure it will change. you, too, will be a part of it. the grass continues to grow around your efforts. it's been a delight to watch and support you as you're doing it. mark, thank you for being here today. coming up on the d.r. show, why it would be a mistake to call jp morgan's $2 billion loss just a

stupid mistake. this was not an accident. this was just another indication that your government led by now democrats decided to perpetuate the same criminal structure that they inherited. plus, we may be in california, but we're taking off the rose-colored glasses to get a reality check from our specialists, and then later the payoff for believing. do the faithful actually receive greater health and happiness when they're here on earth? i can pick up in your pipes. luckily, pur water filters remove 99% of lead. ahh, now i can fit into my skinny glass. hello. mine hurt more! mine stopped hurting faster... [ female announcer ] neosporin® plus pain relief starts relieving pain faster and kills more types of infectious bacteria.

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we made a terrible egregious mistake. we know we were sloppy, we know we were stupid. in hindsight we took far too much risk. it was barely monitored. it should never have happened. >> so jp morgan's ceo jamie dimon would have us all believe his $2 billion trading loss was just a stupid mistake. you know, things happen. but our next guest agrees that this is just the latest indication that the as yet unreformed shadow banking system revealed the covered-up and funded with more than $30 trillion in 2008 has simply been covered up and perpetuated by the current administration. giant banks that were levered 40, 50, 60, even $100 million

they had before the financial crisis, well, they're bigger than they've ever been, and for the past three years, those jp morgan bankers were collecting big bonuses on the very system that then blew up. but were there crawl backs for them? goodness, no. henry, i love wall street because you pay yourself first for a few years, like i take 20 million for me, 20 million for you, 20 million for our friends, and then a few years later, the whole thing comes unraveled and everybody complains about it and then maybe we get fired, but at least we keep the money that we stole. how do we prevent ourselves from being distracted by the big numbers and the hoopla of jamie dimon, celebrity ceo, to see through this side show into the dark belly of the beast that is as yet unreformed? >> i think you nailed it. the issue is the incentives for

individual traders and for pretty much everybody at the bank are completely screwed. there is no incentive not to roll the dice, because the worst thing that can happen is, hey, you lose a couple billion, you get fired, the next week you get hired by hedge funds, you're probably making more money than you were making at the bank. there really is no down side for the individuals. i am going to confess to being a big fan of jamie dimon in part because he uses language like stupid and idiot and terrible, egregious mistake -- you rarely see that with ceos -- it's not that they made a bad mistake -- of course, they did -- but this happens all the time with bigger banks because they don't understand what they're dealing w. these are the smartest people in the world, but basically they're kids playing with dynamite. >> what's the dynamite? >> the dynamite are derivatives and the bets they're making. what happened here was jp morning an had a model that said, look, this bet we're putting on is not going to be

particularly risky. suddenly it turns out it was massivy risky. there were not huge dislocations in the markets that were utterly unpredictab unpredictable, black swan once in a century things, they were legal data and suddenly jp morgan loses $2 billion. thank gold it was only $2 billion. >> when you look at what happened in 2008 and you look at the complete and utter refusal to either break up the banks or to move the swap markets into public, which is the derivatives market. if you want to go crazy, it's out of my league, but at the very least, it seems like you should do it in public. they refused to do it in public and refused to make the banks smaller. do you get a sense that any politician or anybody with any influence in the treasury department, in the fdic, at the federal reserve, anybody anywhere is looking at this problem through the same pair of glasses that you and i are and is trying to do something?

>> we've got a couple sound bites after a $2 billion loss. we should take a look at this again. but we had an absolute disaster in 2008 and 2009 and basically nothing was done. as you said earlier, the banks are now bigger than they were before. there is more concentrated risk. so in my opinion, absolutely not. what's so frustrating is that the solution is not mysterious. it is basically -- first, it would be nice to bring back glad seigal which was working for 70 years, why don't we bring that back, and the other big problem is too big to fail. it would be relatively he's toy construct a system where you could let firms fail. you just simply go in and restructure them, it's not a system-ending thing, and then you finally have an incentive for the folks on wall street not to blow up their firms because they wouldn't know that they will not be bailed out.

>> do you remember the days when guys would be told they made partner in an investment bank, skp and instead of taking more risk, they would be told you now have $6 billion in liability. >> what a shocking idea, right. >> all right, henry, thanks for coming out and walking us through all this. you, of course, can always catch henry at his property. one of the finest out there. we've been in the fight with marriage equality in its own way. back east tonight the president will attend a glitzy fundraiser hosted by singer ricky martin. there is no question what the mood will be in the room when it comes to gay marriage, but as we know, that is not the case everywhere, and it could actually hurt the president come november. some 6 of 10 voters say they were not swayed when he voted for gay marriage.

in fact, half of them are less likely to vote for him because of it. if nothing else, it seems the gay marriage endorsement was a good way to raise money. >> well, it did absolutely help him. we're months away to november, and i do really believe it's going to be the economy that matters when it comes down to it in november. and there's a big news story coming out of this week that's going to impact in november, it is absolutely going to be jp morgan's $2 billion loss. he said, look, i'm tired of too big to fail, too big to manage, i'm glg to split these banks up. same-sex marriage, we will hear no more of it come november. >> you are an avid bank reporter and critic of the too big to fail structure as i, myself, and an increasingly large number of americans have been? no secret that you have been pretty aggressive in your

criticism of the president for a variety of reasons. many of your criticisms, by the way, i agree with. however, an interesting question for you. were the president to do, which is to look at the gpm $2 million, could the president actually engage in a meaningful way? i know it's fantasy, i know it's not going to happen, but were a political leader to engage the real reforms that all of us wanted in 2008, how much currency do you think that would have today? >> well, i think you're right that obama has a lot of room where he could go where he could win over some of this populous element, but there's still a huge coaching in there.

one of his best friends is martin wolf. jamie dimon still describes himself as a democrat. breaking up the banks is something that has a right-left fridge. i can remember, a guy on my street actually is where i heard it first. . that will only be captured by the special interests. >> not only that. they don't want to contribute a. it's unfair beyond the whole government but that bill sure seems to suggest a tractor-trailerized government. a fantasy combination you're

havi having. right now, he's in new york. your views upon the immediate is a and -- one of the tim kearney's of the world. >> yeah, i think the implications of the president speaking out for marriage equality, have sush with some -- the donut class and i think he's helping himself with the activist i don't think he's going to gain any games because i think, to a certain extent, this is an issue that's lost a lot of. but, yeah, i agree with you and.

it would be wonderful if the president came back and said, it's time for a gl-- just the other day the house was looking to defund what i call the house force. there is a lot more going on here than just the president's reluctance to get help with the banks, but i agree with tim. you know, the voca rule and dod fra -- dodd/frank, it's too small to withstand the lobbying by the banking industry. does anybody have any doubt as if the banking industry spent tens of millions of dollars in lobbying to redesign the glass jar? no. >> i do feel that jamie, of all

the bank's ceos, is close to candor. not as much candor as i would like and certainly far enough from the truth. >> it's very different to say there was early route. i also love the lack of call-backs. you would have people saying, we can't have people taking bonuses. except for the 2010, 2011 bonus bonuses. the panel straight ahead. don't worry, be happy. ♪

america is back. anyone who tells you otherwise, anyone who tells you that america is in decline or that our influence has waned doesn't know what they're talking about. >> that's the president from january's state of the union address, but according to our specialist today, promoting that rosy outlook ignores the harsh economic realities that americans are aware of every day regardless of what somebody on tv might say to them. in fact, our refusal to acknowledge the risks of this specific time, in fact, add to the danger of our decline. so pretending that we're cool as opposed to being aware that we have challenges may be our greatest risk.

joining us now is edward loose, the u.s. economist and author of the new book "time to start thinking, america in the age of descent." ed, why not just admit that it's bad. it would be easier to get your column in the paper, easier to make the cover of the magazine, the magazine sells better. everybody makes more money if you just tell them it's all good. what's the problem, man? >> i think if you're facing election in november, to be fair to president obama, to sort of embark down a jimmy carter malaise portrayal of the condition america would be in is a winning strategy. so i understand why he's in this denial, or at least professing to be. mitt romney and other republicans have called him a poor chief, et cetera.

nevertheless, to begin a campaign in which both candidates, the president and his opponents, are starting on the wrong premise. america is not in an economic decline or any other type of decline. >> tim? >> yeah, my question has to do with, you talk about the national debt, you talk about personal debt, you talk about you've got low savings rates on a personal level. corporate profits are high for big businesses but new businesses entering the economy are low. it seems that all these sort of building blocks that could make a u.s. economy stronger in the future aren't there, and that part of the problem is that we are sort of trying to focus on now, like fwegetting a sugar hi and not building the foundation on rock for the future economy. am i getting some of your argument right? >> yes, you are. i think the fact the profits is a share of the economy at a record high, we haven't seen that since the '20s, coupled

with the fact that a portion of those profits that are derived from outside america, that keeps rising at historical levels as well, and the american economy is spending power of the american consumer. and as you know, and i know, in spite of all these reasonable amount of jobs that have been created in the last year or so, they are being created at lower wages than the jobs that they're replacing. and that means the spending power element of the u.s. economy isn't really firing and isn't likely to fire, either, even if this job patent continues over the next few months. the health of wall street, the health of the dow is no longer a very good indicator of the health of the american economy. these dials on the dashboard, these needles on the dashboard are not telling us what they used to tell us. and i'm not sure -- you mention the methadone high, the sugar

booster we get from a methadone surge. i'm not sure the media gets it. >> say that last part again? >> also a stimulus and a bailout is part of a long-term strain and long-term weakness. >> like i said, the substance is fine, we just need to fill the gas tank up. i do think that's a necessary thing to do. i do think they're in the role for more public stimulus given the conditions america faces, europe, the slowdown in china, oil prices, all the things you're well aware of, but the assumption that the machine will just work if only we filled the gas tank is wrong. it's not working properly. and it's not going to work properly unless some pretty major engineering is carried out. what worries me about this election is that we're not seeing yet a debate conducted on

that level. as i said earlier, the premise to the starting point for the debate in this election is wrong. america is in decline. >> sam, go ahead. >> yeah, i was wondering, can you define success for us? if we're in decline, what was the essence of our success? in other words, would we be successful if we can bring down the debt or raise corporate profits? what are we in decline from? >> many things, but i think the striking situation of america in the 20th century is about the middle class. it needs to grow year by year and take on the nation's economy. right now that's gone into reverse, and that reverse is accelerating. i think it's not just a measure of the competitiveness of an economy, how strong the middle

class are, but it's also a measure of the health and vibrancy of a democracy. it's the essential bedrock of a democracy. so what we're seeing now in terms of distribution of income is latin american-like in equality in america, and therefore, not surprisingly, we're seeing more latin american style politics as well. this is a plastic latin american platform while you shift from populists and back again, these lur lurches that make long-time government, fixing these, difficult to do. so i would first highlight the great middle class creation machine. >> imogene. >> hi, there, from london. i believe the theme here, burke,

is that china failing is scareier than china succeeding, and i just wondered if you could expand on that a bit. >> i don't really write about china that much in the book, but clearly there is a very close symbiotic relationship between america and china, and they sink or swim together. this idea that we have a simplistic idea that if america folds, china is the next superpower is not one that i ascribe to. i don't think china will provide the accurate model for immigration, for values that america has done, to say much of the last century. if china slows down, america slows down, and that kind of illustrates my broader point. if china sneezes, america will catch a cold. >> it it's been the other way around until recently. china is no longer the prime of the global economy, but whatever china faces, america faces it

also. they're in the same boat, and i think that's just the key change we've seen in the last 10 or 15 years. >> really quickly, ed, how aware do you think people in the american electorate are, people in the american media are, people in american politics are of the fact that china and the u.s. are actually intertwined with each other, and the only way to get out is to help each other, and there's this false premise of war with china when actually it's a very screwed-up situation that we created with china that we'll have to undo together. >> it's a screwed-up situation for everybody, i agree. and -- i interviewed jesse m maldoon. >> i think out there on the --

in places like ohio, perhaps not such a realization that they're out there for a while. wrong wro romney has made china bashing part of his campaign from day one, and i think the reason he does that is he knows public opinion is responsive to it. >> although you could argue -- i mean, i would argue that there is a distinction between ruthlessly confronting someone who is raking their currency and goinging tariff -- i don't know, we could talk about it. pretending not to deal with

america is. maybe not to pretend out of the gate, but to pretend there's not something to deal with equally as nutty. wouldn't you agree? >> i totally agree. different organizations would look at trade deficits. >>. i find it very hard to believe he's going to take them head on. . very, very. >> congrats on the book,est time to start thinking. there it is. thank you very much.

edward luce, check it out. and next up here. >> now, what's wrong, compadre? you seem down. >> everybody says i have a big mouth. >> yaucheah. >> well, it's my big mouth that got things done this time, not his careful weighing of options. >> finally we have proof that vps may have secret powers. still have doubts about taking aspirin for tough pain? listen to what mvp justin verlander thinks about it. i would say the source of most of my muscle pain would be in my shoulder. my trainer kevin rand recommended it to me.

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a little more credit. according to a study in kansas, selecting your veep is a critical decision. when done right, vice presidents allow campaigns to hit voting blocks without damaging support from your overall base. lyndon b. johnson was to president kennedy's election and john mccain would have lost by a wider margin if he hadn't chosen sarah palin, and throughout history vice presidents are dotted with them who made better decisions. today the vice president forced the president into saying something about gay marriage that he maybe wouldn't have. setting the tone all in, though, for the tone of middle east politics which tends to be very

warriorlike. and back in 1804, aaron burg killed the secretary of treasury in a duel, and cheney just wanted to send other people's children to commit murder. at least biden only shoots his mouth off. next, is healthiness really lin linked to godliness? we'll hear from shurmur right after this. outside the company come together to work on an idea. adding to it from the road, improving it in the cloud all in real time. good idea. ♪ it's the at&t network -- providing new ways to work together, so business works better. ♪

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well, our resident skeptic back today talking about the link between religion and healthy choices, mainly the belief that religious people tend to make better choices. our skeptic claims it has nothing to do with god. michael shurmur is the writer of skeptic magazine. so you don't dispute that those who live inside some religious practice do tend to have health benefits, do tend to have a variety of social benefits. you just say that the reason they have those benefits has nothing to do with god. explain. >> so for about 20 years now, we've been encountering data that shows religious people are happier, they live longer by about seven years, they have fewer diseases, generally healthier. but we have to operationally define what it means to be religious. is it the helping hand of god reaching down in your dna or fixing your cholesterol or helping your kidneys?

what is it that's actually happening? it turns out it doesn't matter whether you believe in this god or that god, it's belonging to a social community of some kind that gives you what we call social capital, that gives you a sense of belonging, or more importantly, that somebody cares about you and is watching, that is helping you get some feedback on what we call self-control or willpower. so whether you eat the cheesecake or not may depend on whether you have someone sitting tl there saying, dylan, remember you were going to lose x pounds? just having someone there to remind you. we know that simple experiments, for example, in an office where they have a basket of donuts, if you take one, put a buck in the bucket. it's voluntary. so if you put a pair of eyes above it, people are more likely to give the dollar for the donut. >> just the image of an eyeball. >> or a mirror. oh, that's right, i better -- just having something to remind you increases our morality.

>> what about a member of the pit bull association of america or the organic gardening club? does it matter? where is the line? >> the pit bull club or the gardening club, all of that is good social capital. religion has a 4,000-year head start on the gardening club. they have it down pretty good on reminding people every week. one of the reasons to go to church services and not to just hear some story is the community. don't forget, be good, don't forget to vote, don't forget to care for each other, don't forget our loved ones. it's just reminders of self-control. the study a got just the other day published in psychological science, one of the most prestigious psych journals, kevin round and his colleagues did a study where they primed subjects to be reminded of god, religion, spirituality, whatever, on these scrambled

sentences. they had the word god, spirit or religion in there or they didn't. those that did were primed to think about god were more likely to be able to endure some uncomfortable task. they were better able to delay gratification. if you come back tomorrow and pick up your $5 for doing the experiment or come back next week and get $6. so people will then delay gratification if they're reminded of god. so god believes belonging to religion reminds us there is a long-term goal in life, that being healthy is good -- >> and creates a tolerance for frustrating and disruptive things which is easier to navigate when you have a strong community around you. >> that's right. that's why when we exercise, it's always good to meet somebody at the gym at a time, because you'll delay it otherwise. >> as i have. nice to see you. the latest issue of skeptic magazine is out. you said -- what were you going to put on the cover?

>> we should put a breast-feeding woman on there. >> it's selling, right? >> i didn't realize it. that's cold compared to breast feeding. >> check it out. coming up on "hardball," the obama campaign going on offense, putting out a new ad on romney. ♪ [music plays] ♪ [music plays] forty-five states have joined together... ...to ensure consistent academic standards across america. these internationally recognized benchmarks... ...are unlocking a better way to prepare our children for college and their careers. because when our kids do better... ...america does better. let's reach higher.

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that means keli is in new

york and hae she has a rant. >> there was a time when -- last week clinton made headlines for doing something extraordinary in public: not wearing makeup. a current global search of hillary goes without makeup yields more than 20 million hits. in comparison, a yields 22 million results. it's not just her. articles have been written about sarah palin's glasses, hillary clinton's hairstyles and even their public. clinton was prepared to a man once. while palin was hailed as a hobby, her looks were also used to dismiss her as all beauty, no brains by critics. then there were wardrobe gigs when the campaign was embarrassed that the rc spent $150,000 for a campaign makeover

by palin. the expenditure was not as outlandish as the cover suggested. why? because women in the public eye are critiqued for our appearance and wardrobe than men. how do i know? quick question. what label of suits does the president wear? or who cuts newt gingrich's hair? i bet you can't answer those questions but i bet you know a little about michelle obama's dresses or hillary clinton's hair. as critics noted, during the 2008 campaign, palin and clinton had to wake up at least an hour earlier than their male counterparts just to get their hair and makeup done so as to avoid the kind of criticism that clinton as recently endured. what a stad statement on where we are in society. it reminds me of a saying from governor ann richards.

ginger rogers did everything that fred a stair did. she just did it backwards and in high heels. it puts hillary clinton miles ahead us, who wouldn't be caught on tv nor public without concealer on. and she also has us beat in the courage and confidence department. so for the campaign of 2012, you've been warned. >> thank you, keli. i'm off to keeping the promise benefit with liz perez here in los angeles this evening. we'll spend the day with her tomorrow. ilbe off. matt miller will be in the chair and i'll see you wednesday with a full report. "hardball" up now. >> going on offense. let's play "hardball."