what i've been hearing at ansonia high school and windham high school and the sandwich school, high schools around the state of connecticut is they are seeing dreams crushed and daunted by the cost of college education. and the pages who are here today , our children when we go home at night, can tell us about how devastating these costs are, how their hopes and aspirations for the future are constrained and sometimes crippled financially by the cost of college education. we must bring it down. the cost of tuition and expenses must be reduced. but at the same time we need to find better financing options for our students and that's the reason we are reintroducing today the bank on students emergency loan refinancing act with some changes, more than changes, because we have listened to people who have told us about improvements that could be made in that measure. but most important, we've listened to students, both the high school students and college students, who are telling us about dreams deferred, dreams devastated by the costs of college education, and so we must make sure that the $1.