brenda buttner is here because we're going to talk about this now. study finding that a majority of college students are not earning their bachelor's degree in four years. the question is, how are they paying for that? the study finds 15% of students are borrowing the money while 12% are using their income and savings. the rest relying on grants and scholarships and getting help from relatives and friends. with her buckeye pom-poms, she's here. senior business correspondent brenda buttner and anchor of "bulls and bears." so i have a theory of why i think first of all that it's taking more than the four years to finish your bachelor's degree. i think that more students, because of the economy, because of the prices of tuition, they're having to have part-time jobs to help pay for their tuition. to thso they kind of have to spread out the curriculum. >> very guiood point. that's especially true for community college students where only 5% graduate with an aa in two years. they have to work part time or full time. let's take a look at this map. 81% don'

>> hi, i'm brenda buttner. this is bulls and bears. gary b. smith, tracie burns, john and naomi. welcome. lights out for the economy? >> brenda, that is the least of our worries. maybe lights out for the united states. this was studied by congress in 2008. the effects of the power grid. whether it's that or a hack attack, if the grid goes out, they estimate that within a year, brenda, due to starvation, illness, general society breaking down, 90% of the u.s. population could perish. there would be no food or water. it would be a combination of the walking dead, hurricane sandy and 9/11. it would be disastrous. >> john, this is a big weakness. do you think it would be that dire? >> the e.m.p. that gary is talking ability, those are the projectio projections. i have a hard time believing that could happen. it could happen by a solar flare in the atmosphere. what's more likely to happen is a simple hack. we have 5800 power plants in north america. 450,000 miles of high voltage lines. we have seen zero day vulnerability in power plants that the vendor doesn't know, but they are sold o

hi everyone, i'm brenda buttner. this is bulls and bears. the dow closing above 18000 for the first time ever this week. the economy posts the strongest growth in more than a decade. what is the white house reported plan of action for the new year? more spending on everything from universal prepaid to housing, to energy to job training. it's throwing more tax collars at this kind of stuff necessary? we'll ask the bulls and bears, gary b. smith tracy, jonas, john and david mercer. john, keep the spending going to keep the economy booming? >> absolutely not. the answer to all politicians is spend more money. the debt doubled under president bush and it's going to double under president obama. when you talk about things to spur the economy look at the track record of this administration. cash for clunkers, hoe refis. you have the stimulus for shovel ready jobs that never materialized. if you were in the top 10%, you love this president. if you are a corporation, you love this president. corporate profits are high because of interest rates. look

i'm brenda buttner. this is bulls and bears. tracy, jonas, john and jessica. welcome to everybody. john, they are running up our visa bill here. no one is doing anything about it. no minimum payment. >> yeah, they are doing exactly what they said they wouldn't do. candidate obama in 2008 said president bush was unpatriotic, a lack of leadership because he increased the deficit by $4 trillion plus. president obama increased it over $7 trillion. he doubled it. president obama is going to do the same thing. we are going to be at $20 trillion. if you stick a normalized 5% interest rate on this, a historic average, in interest alone, that covers the entire tax revenue of $3.3 trillion projected for 2015. that means we don't have one dime left without borrowing for education, defense, the state department, anything. you have to deal with the entitlements and deal with this massive, bloated health care to get cost under control. >> jessica, you agree? >> i think we need to make a difference here. differentiate between the debt and the deficit. the debt is the overall number that has incre

hi, i'm brenda buttner. this is "bulls and bears." here they are, the bulls and bears this week. gary, tracy, jonas, max, john along with chuck. welcome to everybody. gary b., is this $1 billion just the beginning? >> tip of the iceberg, brenda. exactly. let me throw other facts in here. first of all thrks is a program that 20% of americans favor. why obama is doing this, i don't know. well, i do know. he's trying to get more and more voters into the democratic party. there's other tidbits in there. we are providing, you and i, brenda, american taxpayers $7 million for them to have lawyers so they can fight any immigration case in court. on top of this, let's not forget, most of these people are going to qualify for the earned income tax credit. there is billions upon billions of dollars. the problem is not only will that payment grow with more and more immigrants, it's the most fraudulent program. if there's fraud now, we have all these immigrants come in, that's going to expand probably tenfold. this is a money hole that obama created and no one wants this. >> chuck, do you? do

let's bring in brenda buttner, our fox news senior business correspondent and the anchor of "bulls and bears." always good to see you. >> great to see you. >> super saturday. all right. big shopping day, clearly. december 20th is super saturday. >> the reason is partially because of the calendar. it's like five days away from christmas. >> wow. >> so it's expected to be way bigger than black friday. >> okay. if you're not like you and you haven't done all your shopping yet, what's better, online shopping versus going in the store. >> well, online shopping, there's the benefits of being in your jammies. but you really have to be careful and look at refund policies. shipping, delivery. all that stuff can add up. now, going to the store, there are some advantages, which is they have an inventory. if they didn't sell it on black friday, they're going to have to heavily discount it. the online stores do not need to do that. so there is a -- >> difference there? >> yeah. you may not have as much selection though. that's the problem. >> i see. here's a question. cash versus credit. we always

>> hi, i'm brenda buttner. this is bulls and bears. gary b. smith, tracie burns, john and naomi.

i'm brenda buttner. this is bulls and bears. tracy, jonas, john and jessica. welcome to everybody.ah, they are doing

hi, everyone, i'm brenda buttner. this is bulls and bears.a decade. what is the white house reported plan of action for the new year? more spending on everything from universal prepaid to housing, to energy to job training. it's throwing more tax collars at this kind of stuff necessary? we'll ask the bulls and bears, gary b. smith,

hi, i'm brenda buttner. this is "bulls and bears." here they are, the bulls and bears this week.s this $1 billion just the beginning? >> tip of the ice