obama says president obama says the republicans just say no even if it's a good plan i mean elizabeth senator elizabeth warren's bill very clear either stand with the billionaires or you stand with students and i think republicans are making their choice and where do you think senator warren's bill is going to be because going to do unfortunately i think because of what we're just talking about i don't think it has the best chances but i think that there is still time i think everyone needs to call their senator and tell them to vote for this vote my colleague said you know tell your parents to call their senator tell your best friend tell your mom and tell everyone you know so at least we know we did everything we could to get this bill passed senator warren's think on being on students refinancing act is one of the most comprehensive student loan bills we've seen so far and it's and it basically allows people to completely remove sensually at a much much lower rate we better terms right receive people what eight twelve percent they could refinance that's a four percent the government's loan

but what we see in the senate, elizabeth senate--why students are unable to refinance to lower rates. >> they could take back your house but they can't take back your head. >> and i have point with that, too. fiona, a lot of young adults that i've spoken to know almost to dime how much they owe. >> at this point i've got $74,000. >> and you've got a decent job out of college. i started working for a company called zip car. i realized that making car payments was not going to work financially, so i jump in car sharing, and it's worked side for awhile. >> how does it change your loan. >> it's dollar for dollar. if they cap , for every book, column, adviser, you got to have an emergency fund. young people today just don't have the spare cash to put intoage emergency fund. that's where i would put it in. >> but $150 to some americans. to some that would sound like a lot. to some, a little. does that change injure outlook on your household budget? >> absolutely. i make my budget. if it's groceries this week or not. do i join my friend for an excursion or do i put money in this seminar work

and joining me now is senator elizabeth warren, democrat from massachusetts. senator warren, your reaction to today's vote? >> well, i just think it's outrageous, i really do. i mean, let's face it. what this vote was about is whose side do you stand on? do you stand with the billionaires protecting every single tax break that they get, every loophole, every subsidy? or do you stand with the students. the people who went out there and played by the rules and tried to get an education and are trying to start their lives. do you stand with those who have already made it big, or do you stand with those who are just trying to get a fair shot and try to build something for their future? the republicans, all but three, said, we're going to stand with the millionaires and the billionaires. the democrats, the independents, and three of those republicans, said, we're going to stand with the students. and it was, it was just not quite enough to get us past the republican filibuster. >> mitch mcconnell, basically, had counciled his members to filibuster. this is what he h

elizabeth warren is leading this fight in the senate. elizabeth has written a bill that would let students refinance their loans at today's lower interest rates, just like parents can refinance a mortgage. it pays for itself by closing loopholes that allow millionaires to pay lower tax rates. i don't know, by the way, why folks aren't more outraged about this. i am going to take a pause out of my prepared text. somebody think that if , like me, has done really well in part because the country is invested in them, that they would not mind at least paying the same rate as a teacher or nurse. good economic argument for it, that they should pay a lower rate. it is just class. that's all. it is bad enough that that is already happening. it would be scandalous if we allow it, those kinds of tax loopholes for the very, very fortunate, to survive while students are having trouble just getting started in their lives. you have got a pretty straightforward till here. this week congress will vote on the bill. i want americans to pay attention, to see

senate race that brought progressive hero elizabeth warren to washington. book "a fighting chance" she tracks her incredible journey to the senate. she writes of her family's financial struggles as a kid. her father went from being a salesman to a maintenance man. after he suffered a heart attack the family almost lost their house. her mother answered phones at sears to make ends meet. warren argues the system is rigged against working families like the one she grew up with saying over the past generation america's determination to give every kid access to affordable college or technical training has faded. the infrastructure that helps build businesses and jobs, has crumbled. optimism that defines us as a people has been beaten and bruced. it doesn't have to be this way. she tells the story of a woman she met at a campaign event who walked two miles -- walked -- just to see her. the woman was unemployed and wondered if she would work again. she told warren, quote, i'm here because i'm running out of hope. what hope is there for elizabeth warren and the dem

. >> senator elizabeth warren speaking to some of these issues, saying she wants to enable students to finance their student loans. we are going to take a look at her website here, this is her website -- number of organizations backing her. massachusettshe mortgage bankers association, the teachers association, all saying this is a good idea. here's a clip on how she intends to pay for help being students refinance. -- fullys fully played paid for. limit the taxd to loopholes that let millionaires and billionaires pay a tax rates lower than their secretary. the cbo has just given us the score and we not only fully pay for it, this will is passed -- if passed as written would reduce the debt that by billions of dollars will stop this is an issue about our economy. we're here because of an economic emergency but it's also an issue about our values. who do we invest them? do we invest in the billionaires who have already made a big or do we take that same money and invest in young people trying to start their economic lives? this bill andpass time to get started for young people who are o

[applause] the second is by senator elizabeth warren a fighting chance. [applause] senator morn's book makes the case the system is rigged to on behalf of the red stand against the middle-class. [inaudible] how is this? fortunately i will not be doing much of the talking. so the professor's book makes the same case and makes the empirical point but senator warren, i want to start with you and ask you. >> i get just describe your buck confronted you. i like this. [laughter] the rich get richer and everybody else gets pour. that kind of says what this is about what he has done his job does daybed together to show how this happens across countries and time and one of the first things i thought is george bush sr. was right remember when he called the trickle-down economics the voodoo economics? dr. piketty assembled data to show that wealth does not trickle-down it trickles up. it trickles from everyone else to to those who are rich and he demonstrates this data over time and over country. >> is that about right? >>. [laughter] on behalf of the institutions. [

back wrapping up tonight's big picture politics panel humanism ben cohen and horoscope or elizabeth warren senator elizabeth warren is going to cold country or to schedule the campaign for democratic senatorial candidate natalie tenant on july fourteenth tenet is challenging republican congresswoman shelley moore capito i think it's in the capital that. thank you who holds about an eleven percentage point lead for the seat vacated by retiring senator jay rockefeller while tenet is a supporter of coal in the sense that he would run in west virginia she also supports stronger wall street reform measures senator warner has been pushing since she came to washington it seems that if people you know look at this it seems like of people can get past the issue of coal which is going to be damn hard in west virginia that populism is exploding in the united states and it's just this is the new. the tea party on the right elizabeth warren on the left this is the new force in american politics and it even causes me to wonder you know if if it's going to make it very difficult for establishment figures on the

it is the hallmark of her predatory system. >> senator elizabeth warren's bank on student emergency loanncing act would let student loan holders refinance at 3.68%. the measure would come before the senate this week. on monday, president obama took a shot at the bills republican opponents. >> it would be scandalous if we allowed those kinds of tax loopholes for the very, very fortunate to survive while students are having trouble just getting started in their lives. you have a pretty straightforward build your. and this week, congress will vote on that bill. i want americans to pay attention to see where their lawmakers party's life. lower tax bills for millionaires or lower student bills for the middle class? this should be a no-brainer. andrew rossi, the war and bill? peacehink it is important of relief or legislation for student debt holders. the idea those who hold student debt should not be afforded the same ability to refinance as those who hold auto loans and mortgages seems totally unfair. "ivory tower" looks at how the whole system itself as senator war says in the film is actua

guest: well, we have seen senator elizabeth moran introduce her bank on -- senator elizabeth warren introducer bill. we did see three senate republicans vote for it. we're see more people come to power on this issue. the dial has to turn somewhere. i have been working in the time for five years, full-time for the last three years, and i've never seen so many of our legislators talk about this issue. we have heard from senators warren and franken, that they will keep pushing the issue. we did not hear senator klein insult the program. he said it would not make college less affordable. there is some truth to that but the program will help 5 million more people. host: as far as how you got started, what made you get into this field? u.c. system09, the raised tuition 32%. i myself had just graduated that i had many of my friends that could not finish their four year college degree because they could not afford their senior year. think about that -- 32% from one year to the next. we believe there should be a single price per degree. cap it at five years. what other large consumer purchase that you

this should be a no-brainer. >> today president obama jumped on senator elizabeth warren's student loan relief bandwagon. you can see him there calling on congress to pass her legislative proposal to enable the refinancing of student loans. he also signed an executive order that would let millions of borrowers cap their payments at 10% of their monthly income. now, it might be tempting for some to think of all this as another political employ for 2014, getting young people out to vote. but the effects of student loan debt do extend far beyond just young men and women who pay the bills. as senator warren explained last week in an interview with the huffington post's ryan grimm. >> it's starting to be so much debt that it's dragging down the economy. the reports are starting to pile up from the fed, from the consumer financial protection bureau, from the department -- from the treasury department. and what it shows is that young people are not buying homes at the rate we'd anticipate. they're not starting businesses at the rate we'd anticipate. they're not buying cars. they're just not do

senator elizabeth warren has a bill that goes up tomorrow.nk you very much. >> good to be here. >> we did one yesterday, a segment how college costs have grown over 30% in five years. i know you talked about it in the book "the two income trap." why does it cost so much in the first place? impts there's a lot of reasons. one of the reasons is that we got a lot of for-profit colleges out there. you want to remember, they are now covering 10% of all students. they're sucking down about 25% of all federal student loans, and they are responsible for about 48% of all the defaults on those student loans. so, you know, the whole financial issue, set of issues around college have shifted and shifted dramatically in the last three decades, and it's something that we've got different legislation pending on here in the united states senate. i'm a co-sponsor with senator re reed of r&d r&d and senator durbin of illinois, to try to force colleges to have skin in the games to help them bring down the costs and frankly to reward those that do >> your point

some say senator elizabeth warren's anti-wall street message could provide a spark, contrast to hillary in a primary. the same way that then-senator obama anti-iraq message worked back in 2007. but this is the front page headline on today's "new republic." "inevitable." the article details a shift among many progressives who view the former secretary of state more positively now than they did in 2007. according to gallup, her favorability now at 90%. it's higher than ever among democrats. and she's up on a variety of issues including likability, honesty and compassion. and despite recent questions about her wealth, a new nbc/"wall street journal" poll shows 55% of americans believe she can relate to the problems of an average american. >>> now to business. the markets will open today after finishing off last week in positive territory. it was the second weekly gain for the nasdaq. cnbc's jeffrey cutmore is live in london for us with more. good morning, jeff. >> hey, good morning to you. what a way from the markets. we are expecting some news out of gm today. ken feinberg will give us th

coming up we'll talk about what senator elizabeth war zen saying about 2016. she's got a new answer out tonight. and trying to end the war on drugs and pardon non-violent offenders for their non-violent drug crimes. that's just run into an obstacle, the gop. and then the answer is the most successful woman to ever play jeopardy. the question, who's coming up? and is she still winning? we have a spoiler alert and a lot more straight ahead. hey. i'm ted and this is rudy. say "hi" rudy. [ barks ] [ chuckles ] i'd do anything to keep this guy happy and healthy. that's why i'm so excited about these new milk-bone brushing chews. whoa, i'm not the only one. it's a brilliant new way to take care of his teeth. clinically proven as effective as brushing. ok, here you go. have you ever seen a dog brush his own teeth? the twist and nub design cleans all the way down to the gum line, even reaching the back teeth. they taste like a treat, but they clean like a toothbrush. nothing says you care like a milk-bone brushing chew. [ barks ] marge: you know, there's like a a more

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the main sponsor is massachusetts senator elizabeth moran. live at capitol hill with peter cook. >> i'm joined by senator war in to talk about the student loan issue. thank you for your time. the president moved yesterday to make it easier for student borrowers to deal with the crushing debt burden you have been talking about stop why is it necessary for congress to go even further? did two thingst yesterday. he expanded by a few million borrowers the numbers who would be eligible for income based he promisedans and we would do some renegotiation on the servicing of the loan. but we've got 40 million people out there who owes student loans. some of them are at six percent of eight percent or higher. we've got private student loans and public student loans. the bill in the united states senate is to bring those 3.86% forates down undergraduate loans. the same numbers the republicans voted on last summer. for owns, we are going to do it to the old loans also. >> you would ask taxpayers, wealthy taxpayers to foot part of this bill going forward.

the plan put forth by senator elizabeth warren failed to gain bipartisan traction. it would have aloud people with federal and private loans to refinance at lower rates. student debt skyrocketed to about 1.2 trillion and debt holders burden has gone up by 70%. but they said it was little more than an election year employ aimed at helping democrats keep the senate. >> we now know who is responsible for the school shooting in newtown. police identified the gunman as jared michael padgett. he arrived in an assault rifle hidden in a guitar case. he was in the rocker room when emilio hoffman walked in. he was shot twice in the chest. there was no known link between the two boys and it appears hoffman was in the wrong place at the wrong time. despite being wounded, the teacher is praised for still initiating a school lock down. there's no doubt that his heroic action saved lives since the gunman was heavily armed. >> he used a rifle in the attack and carried but didn't use a semiautomatic handgun. investigators have also recovered nine loaded magazines with the capability

she went on to become our senior united states senator from massachusetts, elizabeth warren. was toter what else happen over the rest of my law school career, it could not possibly as the -- as hu miliating as the first three seconds. i went on to redeem myself, and i went on to graduate on a day much like this, ready to get my diploma. and she was the one to hand it to me. she couldn't resist to ask me one more time before she let it go -- what is the definition of a subset? i was able to come up with the answer. here's to the graduates the only advice i would give you today. either buy a dictionary or marry someone who knows the answer. [laughter] it is good advice. [applause] thank you. it is definitely the only applause i got anywhere near law school. there are a few lessons i could share with you today at this proud and patriotic institution. ago, thomass jefferson founded the university of virginia to be unlike any other in our young nation. an institution of higher ich the fortunesc of our country may depend," he wrote in 1821. a place that would train students not jus

he's expected to issue an executive order and also back a bill put forth by democratic senator elizabeth warren. according to "the new york times," this puts a ceiling on loan holders at 10% of their monthly income. the bill lets borrowers refinance their existing loans to lower interest rates. the proposal faces steep opposition by republicans like republican senator mitch mcconnell who says the plan does nothing to make college more affordable, reduce borrowing amounts, or increase job prospects. we'll talk about that later. it doesn't make any sense. >>> a brand new survey shows women are struggling to reach the highest level of leadership in business. that's a take-away from a study published in the new york times," out of the eks on the list, the median pay last year for women on the list was $15 .7 million, and the highest ranking woman on the list with gender reassignment surgery in 1994 finished 10th. she made $38.2 million last year. the leader of a global energy company was number one overall paid $141.9 million. some gains there made by women. >>> now to business, a flat open

i would say with the refinancing bill that elizabeth warren, senator elizabeth warren is proposing, itrates for which we are paying interest and it would help ease the transitioning towards becoming a participant in the economy. >> we should say previously the rate for undergraduate loans had been a fixed 6.8%. those who didn't come under that 3.8%, it would be retro being an tim, right? >> well, there's lots of different proposals for borrowers to refinance their loans. unlike mortgage borrowers, student loan borrowers tend to have few options to refinance those loans. we're seeing that 40 million americans owe about $1.2 trillion in debt. this can have a broader impact on the economy, from first-time home purchases to small business starts to saving for retirement. and we need to take steps to make sure we stop this potential student debt domino effect. there are so many americans who are in the prime age to be investing for future but they're really being drag down by a lot of there. brittany, what's your story? where are you standing right now? >> i actually graduated from virginia

we have elizabeth warren leading this fight in the senate. elizabeth has written a bill that would let students refinance their loans at lower rates, like their parents can refinance a mortgage. it closes the loop itself. i don't know, by the way, why folks aren't more outraged about this. i'm going to take a pause out of my prepared text. you would think that if somebody like me has done really well in part because the country's invested in them that they wouldn't mind at least paying the same rate as a teacher or a nurse. there's not a good economic argument for it that they should pay a lower rate. it just clout. that's all. so it's bad enough that that's already happening. it would be scandalous if we allowed those kinds of tax loopholes for the very, very fortunate to survive while students are having trouble just getting started in their lives. so you got a pretty straight forward bill here. and this week congress will vote on that bill. and i want americans to pay attention to see where their lawmakers' priorities lie here. lower tax bi

president obama says he is a plan to get students out of debt but it turns out senator elizabeth warrenr plan is better. fashion designer vince camuto.

we will hear more about senator elizabeth warren's buildup will allow refinancing for student loan debt. it is getting a lot of discussion in washington. >> before i let you go, we should mention some kids are getting jobs in their field. what your major is, what you are pursuing. chances are you are going to have a better time finding a job in what your field is. >> she has been tracking the trends on the story, good to talk to you. we are coming up on 26 minutes past the hour. bloomberg television is on the market. jonathan ferro is here with the details. >> good afternoon. is called divergent central-bank policy. it is about the fed versus ecb and about perception versus reality. this is the federal reserve's spanish sheet. you see it climbing to $4 trillion. there are adding to assets every single month. compare this to the ecb. see that compare and contrast right there? they borrowed one trillion euros fourth of loans from the ecb. they started giving them back to the ecb. we have a whole set of message -- set of measures. pretty much everything is in sync. one was another round of

it's a plan recently introduced by senator elizabeth warren, krystal, listen up. senators took to the mike this afternoon after the hearings and while the senate talks, millennials are feeling the weight of that debt along with their new degree. according to advisers the average class of 2014 graduates owes $33,000. add to that the tough job market millennials face and it is easy to understand why many aren't looking for new apartments. they're packing their dorm rooms only to move back in with mom and dad. according to new research nearly one-third of 18 to 34-year-olds live at home with their parents. joining us now with more on the uphill battle millennials face is jefr inwang policy and advocacy manager for the young invincibles. it is not just about unemployment but under employment. why are so many millennials moving back with their parents? >> absolutely. thank you so much for having me on the show. you know, our millennial generation graduated from college into the worst economy since world war ii. i mean, we have 1.2 trillion dollars of student loan debt.

i feel like i would caucus for elizabeth warren but in the end i feel hillary will get the nomination. i would be thrilled with that too, i guess. >> massachusetts senator elizabeth warren continues to say she won't run. donnie campbell's one of the preemier activities. >> typically we do have someone more leaning. i think it would be a bad thing. not only good for iowa but good for hillary. it helps to sharpen your arguments and your campaign. >> clinton has not been at her sharpest, complaining they were broke after her husband's presidency, even though the first out of the white house they made 16million. her efforts to restate efforts with russia were a brilliant stroke even though problems in russia are far worse now. >>> and straight ahead, the pope wants to ditch his ride. yep, he wants to lose the pope-mobile. wait until we tell you why he says so. he says it's like being in a sard iee sardine can. we will explain. >>> okay. plus the irs claiming to lose a big chunk of e-mails. where did those e-mails go. we political panel weighs in on the mysterious disappearance. >>> bergdahl is expected to being behind the death of the first americans killed

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finally the president lent support to a democratic bill in congress championed by massachusetts senator elizabethren. here proposal would allow existing borrowers to refinance their student loans at today's lower interest rate. most people think the bill will stall in the republican-controlled house. why is any of this necessary? because the cost of a four-year college degree has more than tripled over the past three decades, while household income has barely budged, and so long as americans continue to believe in the value that a higher education offers, more of them will take out loans to pay for it. patricia sabga has this report. >> reporter: in the last decade student loan debt in the united states has exploded from $240 billion to $1.1 trillion and counting. between 2004 and 2012, both the number of borrowers and the amount they owe increased 70%. a rise robert of liberal think tank, credits largely to cuts in state funding for higher education. >> it is absolutely cuts in state funding that have been the major cause of the rise in student debt. >> reporter: since 2008 state funding has dro

consider massachusetts senator elizabeth warren who is making noise on the left and nicely appeals to a part of the party who feels washington isn't spending enough. then former montana governor brian schweitzer whose popullist and traditionally red state calls d.c., diva clinton. they're all but running, none of them and have nothing to lose for trying. that is the thing about a sure front runner who might not be so sure and you want to be in the fight in case she starts looking less sure. hillary clinton need only look back to her husband's white house run to see sometimes sure bets don't pan out. remember how invincible george bush, senior, looked in 1992? that's why there's going on to be a democratic race in 2016. prospective challengers sense from a book tour that hillary clinton hasn't booked this yet. up close, far from good. as i said before and many of you laughed, mark it down, the good money is starting to say hillary clinton, not exactly paying up. those are my thoughts, use hashtag cavuto to tweet your thoughts. if you're going to be mean, hashtag o'reilly. jamie weinste

they're hoping that elizabeth warren, massachusetts senator, will be a candidate. she made a fund raiser statement for allison grimes. grimes is trying to knock off republican minority leader mitch mcconnell. >> we want to build a great future for had country. a great future for our children and our grandchildren. and we are willing to fight shoulder to shoulder, to make that happen. that's what tough women do. [applause] >> tough women she's referring to herself and grimes not herself and clinton. no mention of clinton there. >>> remember vance mcallister, the married man elected on a family values platform? caught on video kissing a female staffer. first when the tape surfaced he said he would not run for reelection. now he says he's had a change of heart and will run in november, his family is behind him 100% and the voters will make the right decision. >> we'll see how that works out. >> that's today's power politics. >> david, thank you. general motors plans to recall 8 million more vehicles for a safety problem. the company could pay billions of dollars to ow

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. >> massachusetts senator elizabeth warren will be challenging clinton. she made a high profile appearance in kentucky where she led a fund raiser and rally for democratic candidate allison grimes. grimes is trying to knock off mitch mcconnell. >> we want to build a great future for this country. a great future for our children and our grandchildren and we are willing to fight shoulder to shoulder to make that happen. that's what tough women do. [applause] >> warren is referring to herself and grimes. the lathest polls in kentucky say grimes and mcconnell are running just about even. >>> kay hain hagen is running ak ads. >> under tillis, all while he protected tax breaks to large yacht owners. >> tom tillis sinking north carolina's future. >> finally, remember louisiana republican congressman, vance mcallister, who was caught on camera kissing a female staffer. at first he said he would not run for reelection, but today he says he's had a change in heart and will run in november. he says his family is behind him 100%. he wants the voters to decide whether

after the vote, the bill sponsor, democratic senator elizabeth warren, blasted republicans for protecting millionaire tax breaks. she vowed to continue the fight. >> today is a really good day for billionaires, for the 40 million people dealing with student loan debt, it wasn't such a good day. this raises the fundamental question, who does washington work for? does it work for those who can hire armies of lobbyists to make sure that every single loophole in the tax code is protected for them, or does it work for young people who are trying to get started in life? we're not giving up. after all, we did get bipartisan support today and we still have 40 million americans out there who are trying to deal with $1.2 chilean in student loan debt. debte nation student loans exceeds all other forms of consumer debt, except for home mortgages. this year's graduating class is the most indebted in u.s. history with borrowers owing an average of $33,000 upon graduation. came before the house armed services committee on wednesday to defend the deal that traded american prisoner of war bowe bergdahl fo

. >> coming up, senator elizabeth warren is talking about a rigged system that favors the rich. something just happened in a major city that could level the playing field. and our gop l-- are gop lawmakes trying to create segregated voting districts? the next big battle at the supreme court. that's ahead. ♪ ♪ yeah ♪ don't stop now, come on mony ♪ come on, yeah ♪ i say yeah ♪ yeah ♪ yeah ♪ yeah ♪ yeah ♪ yeah ♪ yeah ♪ 'cause you make me feel ♪ like a pony ♪ so good ♪ like a pony ♪ so good ♪ like a pony [ male announcer ] the sentra with bose audio and nissanconnect technology. spread your joy. nissan. innovation that excites. ♪ mony mony innovation that excites. wouldn't it be great if hiring plumbers, carpenters shopping online is as easy as it gets. and even piano tuners were just as simple? thanks to angie's list, now it is. we've made hiring anyone from a handyman to a dog walker as simple as a few clicks. buy their services directly at angieslist.com no more calling around. no more hassles. start shopping from a list of top-rated providers today. angie's list is revolutionizi

>> you know, like senator elizabeth warren i have some indian heritage in me. >> do you really. >> at in a bar one night. assuming what he said was true, i forgive pharrell with this. >> why would that be an issue, gutfeld? >> it's called cultural appropriation. it's the new anger fitness routine. if i wear a sombrero or headdress. that's hurtful because everybody is look for a scalp of contrition. should we ban americans from playing irish music in bars? should only the scotts play golf? should women be offended by cross dressers? >> i still don't get it the indian headdress is a sign of power. it's a sign where, you know, maybe they don't think he earned the headdress. >> it's a great-looking piece of fashion and being used. >> i don't know why you are offended by it. >> scottish people offended when somebody wore on a golf course. >> or kilt at a wedding. >> baseball player offended? it doesn't make any sense. >> i just don't know what's going on anymore. >> trying to flatter the people. >> not like pharrell drafted by the washington redskins. it's not like that. he is not playing

another big show for you tonight, and this time, we promise, senator elizabeth warren will be here liveof course, more shocking o nce in a lifetime political news breaks, and we don't expect that to happen. so to the ongoing fallout from last night's shocking once in a lifetime upset, when republican house majority leader eric cantor, the number two republican in the house, lost

there is a plan put forward by senator elizabeth warren, massachusetts democrat, that would help up ton borrowers refinance their loans bringing interest rates from 7% to below 4%. he's using his own executive action but calling on congress to act and this is an issue the white house sees as a big winner for democrats. that's a bit of what we can expect today. >> is it students or former students discretionary income or total income this is based on. >> it's discretionary income. 10% monthly payments, the white house sees this as something that should be manageable for students and it's part of a series of efforts to try to bring the costs down for folks who borrowed a lot of money to go to college. >> and christine, i'll throw this question to you. isn't is it hard to determine what discretionary income is? >> it's your after-tax income and you work with the department of education on that. there's calculators on sally mae and cnn money has calculators the borrowers can use. income based repayment is something that's been around for a long time. it was expanded under healthcare reform