the fafsa is , thesible to deal with loan programs are very confusing, too many grant so we arevery usingagain responding to the public and our members. we have members who have children who have gone to college in recent times. they have dealt with these issues. i have a grandson who is a junior in college. i have listened to his mother complain about filling out the fafsa for him and about the intricacies of financial aid. our goal is to help students to look for ways to the able to complete a college education with a minimum of hassle, but securely as it relates to financial aid. graduated from college without any debt and all people say that it was so long ago that it is not possible. but it is possible. i think with the right kinds of transparency, with continuing financial aid that we currently have, helping students be better -- better consumers, that we will see a reduction in the borrowingstudents money, and better health coming from colleges and universities. article with the president of the university of kentucky. concern aboutht retention, losing a lot of students at the end