you told me you had ben nelson, the corn husker kickback. >> i get that all the time! is benjamin nelson. i'm ben nelson. >> he is the founder of minerva. get this, college students graduating this month will be the most indebted class ever, along with the diplomas they carry an average of $37,000 of student debt as they enter the work force. recent report showing 40% of americans with federal student loans are not making payments or are behind on the more than $200 billion owed. joining us to talk about rising college costs is ben nelson, founder of minerva. our guest host this morning, bob kerrey, is the executive chairman for minerva research and scholarships. this issue has come up time and again with bernie sanders saying he would make college tuition free for everybody. what's the problem? what's gone wrong? >> a number of things have gone wrong. debt in and of itself is not a bad thing if it's low and it's serviceable, right? there is nothing wrong with saying i'm going to go get a good education that will allow me to get a better job or allow me to enter a care