host: we have adam kissel and we want to get to your thoughts about president biden student debt forgivenesslans, your questions for adam, so you can go ahead and start calling now. if you have student loan debt, the number is (202) 748-8000. if you have paid off your student debt, call (202) 748-8001. all others, the number is (202) 748-8002. i want to bring up, earlier this year, the white house economic council deputy director explained what the biden administration used to justify the offering of debt relief to those in higher income brackets, how they set up the cutoff that you mentioned. >> as you noted, nearly 90% of the benefits go to people making under $75,000 a year. our view is that folks that you mention, under 120 $5,000, are middle-class families. they would widely be considered as such. i want to be totally clear about this. >> $250,000, would you view that as a middle-class family, people who make under $250,000? >> absolutely. look, it is extremely consistent with what the president has said on the tax side. he said nobody making under $400,000 a year should be paying for t