i am david asbin with the white house and congress in a frenzy to accept lower student loan . we are finding out over half college grads are underemployed working as waiters. do they need jobs or loir rates. we'll go with steve forbes and victoria and steve and rick and mike. we have the a-team. rich, start with you. >> they need jobs. you can't pay back a loan if you have a lousy job. and we need a functioning economy. on friday we have terrible news that the first quarter. is exactly half of where the american economy should be in an economic recovery and an administration that never talks about economic growth. they talk endlessly about fairness and consequently a poor job environment and we have a crisis brewing in student loans. >> rick, lower rates don't help if you don't have a job. >> the truth is, you need both. kids have to get prepared for the work force that is the future. one of the things we do too often is judge things by what is happening right now. state of ohio said there will not be enough college graduates to fill the jobs they expect to have coming over th