nancy hoover, director of financial aid at denson. she's past chair of the national direct student loan coalition a groose roots organization that works to improve the federal direct loan program, 30 years working in financial officers, ms. hoover has dedicated her career to helping students aford secondary education. william hubbard, sitting next to her, serves as vice president of external affairs for student veterans of america, considerable experience ad vo kating on behalf of veterans. he joined the marine corps at 17, currently a drill regular servist out of joint base anacostia bowling. welcome. mr. robert garamilla, teaches a.p. u.s. history, he's got some students with him here today, thank you for that. he served as a student mentor, union building co-representative and co-faculty advidsor for the fway-straight alliance, a member of the washington teachers union. lindsay burke is a skillman fellow in education policy at the heritage foundation. she's done extensive research around the federal government's role in education.