about enrolling in coverage. but we didn't do that alone. our over 230 employees worked hand in hand with over 2,000 partner organizations and tens of thousands of volunteers who shared our commitment to connecting consumers to the information and are sources they need to get covered. through empowering local officials and public leaders, we reached thousands more and encouraged them to learn about the options available to them. we met consumers where they were online and in social media and shared coordinated enrollment messages with our partners to increase our reach even further. we worked with community colleges, faith groups, goth officials and key local organizations, just like all of you, to reach as many consumers as we could. one of my favorite parts of this first enrollment period was when i had the chance to travel through texas and ohio in early march, in our countdown to get covered bus tour. in this bus tour, i saw the true scope of the work and how unique it is from community to community. in dalla

well over eight million enrolled. that doesn't include in the various states where we do medicaid managed chair, where we picked up several hundred thousand because folks now have access to coverage. but we budgeted, remember, 285,000, we budgeted well under 100,000. so that should speak to the success that you have fostered during this enrollment period. this vastly exceeded our expectations. i believe that there are a number of reasons we were successful in signing up so many individual consumers. for starters, we've gone the extra mile to make it simple and easey for consumers to sign up for coverage and get the care they need. also, we particularly want young people to enroll with us. as i said earlier, we've used digital media to reach out to them where and how they went to be reached. we're pretty successful and although we didn't expect it, 30% of our signups in pennsylvania are individuals between 18 and 34 years old. that's promising. overall, we didn't wait for people to come to us. we went out into the comm

enroll america did an amazing job.ve seen a lot of political campaigns in my day, and efforts to find and educate people, and turn them out. this was one of the most amazing efforts built from scratch that it ever seen in my life. and i think anyone has ever seen in the country. so again give anne and yourselves a big round of applause. [applause] >> and i'm so glad to be here with great partners, drew altman and the kaiser family fund have been terrific in this effort from decades ago, moving the country toward comprehensive health care. dan hilferty and the blues that he represents, but really the blue cross blue shield plans across the country, and lots and lots of insurance partners did an amazing job, coordinating and collaborating on how to best reach out to potential customers, how to educate people about the benefits of health insurance and how to work side-by-side with all of you. and isn't steve beshear pretty swell? [applause] i had a great opportunity when i was chairman of the democratic governors associat

here's how long the open enrollment lasts and try the process again. i'm hoping that you can bring us behind the scenes a little bit of the insurance industry. you have something that the majority of the folks in the room do not have which is the sort of real-time view of how many folks were enrolling in your plan. i'm curious if we can think of a few different moments along away. last summer as we were gearing up with october 1 quickly coming into the period in october and november and then a final surge coming at you described that the numbers did at the end of the day far exceed what you were expecting. tell us a little bit about the experience that you were having and what you were hearing from your colleagues and how to approach these different kinds. >> panic. [laughter] no, actually from our perspective, and i think the insurance industry as a whole we did have ongoing conversations with the secretary and with the hhs and cms. we felt very good about the tools that we were developing as a company as and as an industry to make the individuals as

welcome to the first national enroll america conference, the state of enrollment, getting america covered. very excited to have you all here today. [applause] we first started planning this conference months ago, our hope was to bring together enrollment leaders from across the country to reflect back on the historic first open enrollment and share best practices for the future. ofthought maybe a couple hundred of our friends would come for this. but we never expected more than 900 attendees would join us from communities in 48 states. incredible. [applause] not just that. including the district of columbia and as far away as guam, thank you all for being here. whoks for generous sponsors make our work possible. especially those who helped make the conference possible. health for, go helping us all gather here today. the fact that there are so many of us in this room shows just how strong and passionate this coalition is. you represent a cross section of the many industries who work together to make this first enrollment period a success.

enrollment. enrollment. are they about the same as they were at the end of open enrollment clicks are you maintaining all of your members and getting people through social enrollment periods? >> what was the name of the program in the second part? >> the risk insurance adjustme adjustment. >> i will try to do my best. it's somewhat proprietary. we are not talking about the rates unless they are released publicly. what i will say as far up and some are down. some are up more than others and so i am happy to talk off-line about the specific states where the public and any of the particular increases or decreases you might be interested in. with regards to the three hours, that is the three risk mitigation tools that are in the aca in the risk adjustment and risk corridors but i would say in the impact on the pricing and how it is reflected in our products the reinsurance very clearly you can see it in our filings and it is something i think all the insurers factors into the pricing and it is design

report it was actually 3 thursdays in october we're down and can't do open enrollment process that's how the pay periods end in october i expect to be to the same as last year. >> okay. thank you. >> you've heard the motion. all right. and we're now ready to vote if there's no other public comment all in favor i. opposed? i'm going to claim the privilege of the chair and call for a hydrogen break if we're at the end of the rates committee we'll take 10 minutes. thank you. >> item 10, please. >> item 10 president's report president breslin. >> i want to thank the staff for the high rates and a successful outcome and thank you to the vendor and to our members especially for showing up and gaifg their input very much and that's all i have for the president report. >> item 11 discussion item. >> would i get a public comment on that item public school. no public comment sorry >> item 11. >> discussion item director dodd. >> thank you catherine dodd director of health services system you have my report i want to highlight a couple of things the wellness department has underlined their posi

if not, they would be enrolled in the va today. so, the fact that cbo now says with just the execution of this minor reform legislation it would trigger 8 milliillion peo in the system that exist and don't enroll is just as ludicrous as $35 billion or $44 billion price tag that cbo has put on the bill. cbo determined as you would imagine that only 3% of their cost is attributed to the 40-mile trigger that we put in the senate legislation. in other words, there are very few veterans around the country living more than 40 miles from a va facility but like i have heard some of my colleagues say, when you've got something that makes as much common sense as this, that it's less expensive to let them get local care than it is to pay their reimbursement to a va facility, can't we accommodate the veterans once? his needs and the taxpayer's fiduciary responsibility to come out cheaper by doing it. this is the only place within the cbo score that they actually agreed that the impact is minimal from a standpoint of the number of people that a

and there's been a response to increase enrollment, to try to meet those needs. mrs., however, a hidden problem in all of that. that is so the cost of educating a student, while mostly bourn by the student, is not entirely bourn by the student. that it has to find other sources to pay for in the time of declining state support. that means there's a real scramble that increasing enrollment doesn't increase your overall budget in terms of being able to support the university activities. so increasing enrollment in response to that very increase in the public institutions for the reasons you have described. rah there things being put in place, market forces or loan programs or waying of cutting the costs that may bring relief to american families. this is inside story. america mobile app, available for your apple and android mobile device. download it now on america tonight, raising the anti. but also increasing the pressure on the country's prime minister, as he tries to save an iraq in turmoil. also tonight, we look at online cruelty, making its way across campus.

they pick up the enrollment packets school chance. the most established charter schools stopped being anything other than a true lottery ticket for families. they sound great on paper. it doesn't exist in any real form. you are buying low and hoping it will jump. a charter high school was about to move cross the town. one set of parents brought their fun with them. i don't like it, he said moments after entering at which point his father helps down beside him. it's as if the school yet. they stared back. what is it then blacks nearby and other pair handed over her daughter's material and gave the young female teacher on the other side of the table a bear hug. if you need help getting ready for the full just let me know. that gives me goosebumps she responded. i think i might cry. she moved through the entryway into the room where the principal was addressing prospective families. i wonder how much balance you'll be able to maintain tha when the school year actually starts, she said. he has 17 plus years of schooling (-left-paren i don

and there's been a response to increase enrollment, to try to meet those needs. mrs., however, a hidden problem in all of that. that is so the cost of educating a student, while mostly bourn by the student, is not entirely bourn by the student. that it has to find other sources to pay for in the time of declining state support. that means there's a real scramble that increasing enrollment doesn't increase your overall budget in terms of being able to support the university activities. so increasing enrollment in response to that very increase in the public institutions for the reasons you have described. rah there things being put in place, market forces or loan programs or waying of cutting the costs that may bring relief to american families. this is inside story. >> al jazeera's investigative unit has tonight's exclusive report. >> stories that have impact... that make a difference... that open your world... >> this is what we do... >> america tonight next only on al jazeera america >> i'm ali velshi, the news has become this thing where you talk to experts ab

center for card enrollment and activation. tsa reformed the program by launching one visit in june of 2003 in alaska and michigan. this provides workers the option to receive their twic through the mail rather than requiring in-person pickup and activation. last month tsa moved from the pilot phase of the program to a phased implementation for all applicants. we have added call center capacity for applicants checking on their enrollment status. we've enabled web-based ordering for replacement cards. we've increased quality assurance at our enrollment centers. we've opened multi-program enrollment centers across the country to allow individuals to apply for the twic, that has the hazardous material endorsement and tsa precheck. we will expand a number of enrollment centers to over 300 this year, adding to the convenience of workers. tsa continues to evolve and modernize their credentialing programs through these initiatives, strong collaboration at the department, partnership with industry and the support of this committee. tha

the fundamental problem is we have launched obama care, enrolled millions and we can't manage the enrollmentthey say there are 8 million enrollments, but insurance companies will tell you 10 to 20% of people don't pay their premiums. now we have 2 million enrollments, the government can't make complete sense of, it doesn't mean they should be or shouldn't be enrolled or did or didn't commit fraud, but they can't reconcile it. they launched this without the back end of the system built. >> do you think they're going to cross-references income data on the obama care platform with the i.r.s.? in other words 1.2 million of these 2 million is income discrepancy. i don't know many people who don't know their income. will they match it up and say, no, no, you're obviously trying to get a larger subsidy by ratcheting down your income, or it could be an innocent mistake. >> no, this is a situation where the government can't reconcile the information and can't catch people who either make legitimate mistakes or are committing fraud. >> what do you mean can't catch them. cross-reference it are with the

so they are enrolling in this plan. the percentage of people who are young -- i think it is about 20%. i think the hope was that this number would reach about 35% or 38%. the average cost of the plan, as i indicated earlier, the average is 15% inplan -- it the congressional budget office, that was the original estimate. as i indicated earlier, all certainlys that -- i do not expect rapid inflation next year. some of our callers indicated, we will have really high increases in some plants. some plans will be negative. but this is the way health insurance almost always works, except there are usually not many negatives. host: this shows 57% of those enrolled in exchange lands were previously uninsured. what does that data tell you? >> it tells me people that previously did not have insurance are now enrolled. i think the majority of those people have not had insurance for one or two years. i believe about 20% of the people who have employer-based insurance previously -- it tells me that 20% probably would have lost their

karen fumbled through the enrollment package outside the front doors. i get excited every time i learned more about the school but at the same time did you see how young those teachers were in there? i worry that what's happening is the rising expectations of the parents and the increased understanding of the research has outstretched -- outstrip the capacity of the teachers to actually deliver the goods. some of what i heard in their summit like an election speech. it all sounds so good in theory but what will it look like in practice and do i want leo to be part of the experiment? the more i think about it karen continued as new arrivals brushed past her i'm not as concerned that they are a new school. its preschool. by the time she gets to first grade they will have worked out the. i go back and forth on where my priorities are. on one level i say let's try this and i'm okay with her switching schools a few times that he also can't help but think about the tunnel down the line. it's a leap of faith but i suppose that's true anywhere. shia miked her c

there was a window to where people can enroll. this are were care issues so we extended care san francisco. we have outreach to account holders during open enrollment people. because we control these accounts, we know how much each person has in their account and we're able to send them a letter highlighting they can use this account balance to purchase haelts insurance on the exchange. we analyze on have been ongoing analyzing the affordable of health care and access in the san francisco context looking at affordability in san francisco, cost of the living in san francisco compared to other places. we've been trying to quantify the potential populations that would require assistant under such a program of covered san francisco and trying to estimate the level of need, and assessing the financial and programs of solutions. any solution we implement has to be sustainability for the department of public health in the long run and financially feasible. we believe that the department of public health needs to have flexibility to effec

we have dual enrollment possibilities and more and more states embrace the notion that while in high school should be able to get dual enrollment credits he cannot use the pill grant credit not currently to pay for college credits the you can obtain for cheap costs and high school with dual enrollment. that is a cheaper way to get college credit i could graduate in three years because of dual enrollment it was enormously helpful to my family they cannot afford the college's i got into when i first applied when everybody else was celebrating they say if you have to go talk yourself into another way because it is too expensive. also the ap credits. 2 + 2 programs miss jones a lot of people a lot of students today now are going for two years then going to the college than half the total cost shrinks but for them to do that somebody has to sit down as the path to get a for a year degree it is 25 or 30% cheaper if you start at the local community college so what this tells me i am most concerned about the college cost issue there are a number of pathways for the credentials and certificat

in afghanistan, barely 40% of the girls there are enrolled -- of the girls there are enrolled in school, up from 3% under the taliban. [applause] peoples after 800,000 were slaughtered in the genocide in wanda, 96% of her wand and kids go to primary school -- rwanda go to primary school. in that same country, and this should be a message to us all, womennda -- rwanda's comprise 60% of the lower house of parliament. [applause] technology is a mixed batch -- bag during it has been used to hunt down civilians in syria but it has also been a source of positive change. with have been cooking wood and slowly dying from the smoke that penetrated their eyes and lungs, making slaughtered to causethe second leading of death in some country. a campaign is underway to install 100 million safe stoves before the decade ends. in kenya, an entrepreneur has developed an ultra-thin computer ship that can be put in a sole of a shoe. under pressure, the chip generates enough energy to recharge a person's phone. this can be a huge deal in areas that lack conventional sources of power. there is a lot going o

employees need to enroll at arizona state university.n choose from among 40 subjects ranging from retail management to electrical engineering. the program as part of the effort to retain its workforce and save on hiring and training costs. >> an excuse to sleep than on the weekends. in the study about food labels and how some may mislead shoppers into thinking that they're actually thinking that they're actually eating well. tshi itoed®ny su it is really summer. the only thing keeping me from putting in 90 in the forecast for today is the possibility of an afternoon lake breeze. the wind is not very strong. generally this time of year when that happens you conceal the wind off lake michigan. that will cool the downtown area. it will be warmer than we have seen over the weekend. the humidity will be slowly increasing. this morning we're off to a great start. some fairweather cumulus clouds as you see they're drifting over the skyline and over parts of lake michigan. today at the moment we are already above 80 degrees in chicago. st. louis

if not, they would be enrolled in the va today. so, the fact that cbo now says with just the execution of this minor reform legislation it would trigger 8 milliillion peo in the system that exist and don't enroll is just as ludicrous as $35 billion or $44 billion price tag that cbo has put on the bill. cbo determined as you would imagine that only 3% of their cost is attributed to the 40-mile trigger that we put in the senate legislation. in other words, there are very few veterans around the country living more than 40 miles from a va facility but like i have heard some of my colleagues say, when you've got something that makes as much common sense as this, that it's less expensive to let them get local care than it is to pay their reimbursement to a va facility, can't we accommodate the veterans once? his needs and the taxpayer's fiduciary responsibility to come out cheaper by doing it. this is the only place within the cbo score that they actually agreed that the impact is minimal from a standpoint of the number of people that a

. >> reporter: a lot changed on the healthcare front since the class of 2014 enrolled in college. one you now have to have insurance. but you can stay on your parents' plan longer. under obamacare insurers are required to let kids stay on their parents' plan until the age of 26. but for those who want to or have to buy their own insurance, you don't have to wait until october for the next open enrollment. losing school coverage or moving to a new city is considered a life qualifying event triggering a special enrollment period for "covered california." you can also buy private insurance which may provide more access to more doctors we have learned but those with a job may be the best off. >> it's the rare employer health plan that isn't going to offer you a better deal for the simple reason that if you go through an employer, the employer is going to pay probably most of your premium. >> right now, most grads have a little breathing room because most campus insurance plans run at least through the end of summer. >>> california car owners can soon take a trip down memory lane. the

since the promise announced in 2005 enrollment shot up 24% and the families that would otherwise i void kalamazoo started to move in and snatch up the promise. >> people telling me i am crazy. i want my kids going to college without the debt. >> she's saving over a hundred thousand dollars on the college tuition for the daughters and going to open a business downtown. >> executive director of the promise says because of the increase in the enrollment, more teacher jobs are created and 70% of the promise students enrolled in the schools. >> $30 million in the community swirling around that wasn't there before. >> dr. brown is the only one that knows the donors behind the promise and she's not telling. but she does say they have paid more than $50 million to send the kalamazoo's children to colleges and traited schools in the state and pledge to do so forever. >> they live in this small unique little place with a weird name called kalamazoo. >> more than 30 similar programs are popping up around the country and dozens more are in the works. pittsburgh has 26,000 students. they estimate it

so far, over 8 million people have enrolled in plans through the aca.lions with preexisting conditions have been prevented or have been confident that their insurance companies have not been able to block them from getting health insurance. and by the way, women are no longer charged more for being women. they're getting the basic care they need, including reproductive care. and millions are now free to take the best job for their families without worrying about losing their health care. today, i'm going to sign a presidential memorandum directing every agency in the federal government to expand access to flexible work schedules, and giving employees the right to request those flexible work schedules. [applause] because whether it's the public sector or the private sector, if there's a way to make our employees more productive and happier, every employer should want to find it. and to help parents trying to get ahead, i'm going to direct my secretary of labor, tom perez, to invest $25 million in helping people who want to enroll in jobs programs, but do

in afghanistan, barely 40% of the girls there are enrolled -- of the girls there are enrolled in school, up from 3% under the taliban. [applause] peoples after 800,000 were slaughtered in the genocide in wanda, 96% of her wand and kids go to primary school -- rwanda go to primary school. in that same country, and this should be a message to us all, womennda -- rwanda's comprise 60% of the lower house of parliament. [applause] technology is a mixed batch -- bag during it has been used to hunt down civilians in syria but it has also been a source of positive change. with have been cooking wood and slowly dying from the smoke that penetrated their eyes and lungs, making slaughtered to causethe second leading of death in some country. a campaign is underway to install 100 million safe stoves before the decade ends. in kenya, an entrepreneur has developed an ultra-thin computer ship that can be put in a sole of a shoe. under pressure, the chip generates enough energy to recharge a person's phone. this can be a huge deal in areas that lack conventional sources of power. there is a lot going o

we continue to receive to the special enrollment process just like outside the open enrollment periodfor who have lost coverage or had a life change summary see a steady level of the moment. >>. >> i want to highlight what was said because adopting gets lost because it is shifting funds speech we ditchers wednesday arguing fair estimate what the cost will be they also have to figure out what the market will look like as the whole? enrollment not only for my plan but the market has so whole? that is exacerbating the uncertainty because they have to think about not only their particular experience but the market as a whole steve hickey mention of the risk pools are constructed it includes both the exchange plans and the un on exchange plans in having someone asked about the changes that might have contributed doesn't affect the calculation? >> talk about the single risk pool on and off the of the exchange specifically about the aca compliance rates on and off the exchange is that aca complying and plans to have the traditional role treated separately because have the choice in certain s

this seems like a big leap in enrollment. guest: it is. the report from the center for medicare and medicaid services came out last week and it said that looking at the health insurance programs and medicaid, there was an increase in enrollment of 6 million people, it went from 59 million people in the three-month average to 65 million people. >> the people that you talk to in the administration, what they say that this is -- they sort of expected this outcome? this is where they think that we would be when the law was passed? >> in terms of the backlog or enrollment? host: the backlog. expectingy were not all the problems that they saw, there was a reporter with kathleen sebelius and other federal officials and they were showing us what healthcare.gov would look like. and they did not hint that there would be major problems the next day, on september 1 and as people were leaving i pulled the lower-level federal official aside and i said, what about the problem that we are hearing will, that healthcare.gov not be able to transfer applicati

center for card enrollment and activation. tsa reformed the program by launching one visit in june of 2003 in alaska and michigan. this provides workers the option to receive their twic through the mail rather than requiring in-person pickup and activation. last month tsa moved from the pilot phase of the program to a phased implementation for all applicants. we have added call center capacity for applicants checking on their enrollment status. we've enabled web-based ordering for replacement cards. we've increased quality assurance at our enrollment centers. we've opened multi-program enrollment centers across the country to allow individuals to apply for the twic, that has this material endorsement and tsa precheck. we will expand a number of enrollment centers to over 300 this year, adding to the convenience of workers. tsa continues to evolve and modernize their credentialing programs through these initiatives, strong collaboration at the department, partnership with industry and the support of this committee. thank you fo

center for card enrollment and activation. tsa reformed the program by launching one visit in june of 2003 in alaska and michigan. this provides workers the option to receive their twic through the mail rather than requiring in-person pickup and activation. last month tsa moved from the pilot phase of the program to a phased implementation for all applicants. we have added call center capacity for applicants checking on their enrollment status. we've enabled web-based ordering for replacement cards. we've increased quality assurance at our enrollment centers. we've opened multi-program enrollment centers across the country to allow individuals to apply for the twic, that has this material endorsement and tsa precheck. we will expand a number of enrollment centers to over 300 this year adding to the convenience of workers. tsa continues to evolve and modernize their credentialing programs through these initiatives, strong collaboration at the department, partnership with industry and the support of this committee. thank you for

last fall i had the pleasure to train, 115 staff from the department of public health on how to enroll people in the coverage california, many have been working with the clinics and the population since the program began in 2007 and they know these patients very well, they were so excited to learn about the program and the prospect of helping people enroll. and well, when we got to the part of the training about the cost of the premiums, the cost of the co-pays and the cost of the deductibles their eyes got very wide. and mouths dropped open, and coverage california is significantly more expensive than the healthy san francisco program. and these staff knew that the first time they saw the sticker price that it was going to be unaffordable for their patients. staff who were very upset and even angry. they so wanted to be the bearer of the good news, and now they tell them that their coverage was going to be out of reach. this was not a job they wanted. their fears were realized i have countless stories directly from people that i have worked with that the coverage california costs are

, state of enrollment, 2014, national conference participants.please welcome president of nroll america. [applause] >> hello. good morning, everyone. good morning. >> good morning. >> and welcome to the first national enroll america conference. giving america coverage. very excited to have you all here today. [applause] when we first started planning this conference, months and months ago, our hope was to bring together enrollment leaders from across the country to reflect back on the historic first enrollment period and share best practices for the future. we thought, you know, maybe a few couple hundred of our friends would come to d.c. for this. but we never expected that more than 900 attendees would join us from communities in 48 states. yes, incredible. [applause] and not just that. including the district of columbia, and as far away as guam. pretty amazing. so, thank you all for being here. and thanks to our generous sponsors, many who are in the room here today and make our work possible. but especially those that helped make this confere

so that we can do an even bet are job in this coming enrollment period. continuing to get the word out. i think that's the number one thing. telling the story of that hhs report. of the fact that 70% of people who enroll on the federal marketplace, who got a subsidy, one for under $100, that opens people's eyes and we have to continue to get the word out. >> a very positive story and just getting better. >> thank you, reverend. >> still ahead, tonight's justice files, disturbing video of an officer shooting and killing a suspect in handcuffs. >>> also, the controversial make my day law. let this man's killer go free. stay with us. and a razor that understands my sensitive skin. new venus embrace sensitive. more than a strip. an entire ribbon of gliding gels surround 5 comfort-coated blades for less irritation. venus embrace sensitive. a perfect match for sensitive skin. i'm j-e-f-f and i have copd. i'm l-i-s-a and i have copd, but i don't want my breathing problems to get in the way of hosting my book club. that's why i asked my doctor about b-r-e-o. once

i'm about 5000 enrollments. so what we do is send the card out separately and then we send the pain in a different letter. so we try to send them out into different letters. >> so you haven't seen fraud? >> on the mailing tells? not yet, senator. do we let early stages of implementation. >> thank you. mr. caldwell, we are the middle of it though, so i wanted to get a quick thought on one of the things i think we have worried about overall is the twic program is is it making us more secure? are we improving the system so we can have some reliability with it? >> two things. i will talk about twic one and that is security and convenience and definitely more convenient. you are losing at least one of your steps in terms of internal controls of being able to verify the person's identity of having them come in. congress pretty much took the go in that direction. so it is what it is. >> it's also good to follow up and make sure that the choice we made there, that i was obviously a supporter of comment that we made sure

if not, they would be enrolled in the va today. so, the fact that cbo now says with just the execution of this minor reform legislation it would trigger 8 milliillion peo in the system that exist and don't enroll is just as ludicrous as $35 billion or $44 billion price tag that cbo has put on the bill. cbo determined as you would imagine that only 3% of their cost is attributed to the 40-mile trigger that we put in the senate legislation. in other words, there are very few veterans around the country living more than 40 miles from a va facility but like i have heard some of my colleagues say, when you've got something that makes as much common sense as this, that it's less expensive to let them get local care than it is to pay their reimbursement to a va facility, can't we accommodate the veterans once? his needs and the taxpayer's fiduciary responsibility to come out cheaper by doing it. this is the only place within the cbo score that they actually agreed that the impact is minimal from a standpoint of the number of people that a

no bank is enrolled more than 5% of borrowers in trouble. i'm concerned they care more about maximizing profits than giving proper customer service. among questions to consider is the complex and opaque repayment system set up to make borrowers fail and ensuring they fully understand the full range of repayment options including those most advantageous to borrowers experiencing hardship and better suited for contract lawyers than recent graduates. if we don't get graduates the tools to succeed we can't expect them to have a full shot at liveliho livelihood. best suited to their specific needs when written in legalese that only lawyers are made to understand. that's unrealistic at best. in the dodd frank act i proposed a student loan ombudsman and shaut shout out for the terrific work. troubling practices and servicers allocating payments in order to maximize late fees and activating military benefits on student loans and facing obstacles enrolling in loan modification programs. based on deferrals, at the found the largest servicers broke a s

that's forced perhaps, a loss of enroll. in chicago. generally speaking enroll.oing up, not down. >> were lay offs the only option. >> absolutely, a mayor, ron emanuel uses millions in tax ipp cement to subsidise sport stadiums and spends money on other things that are not as high a priority. these are choices that elected officials are making. they are making a decision to close public schools and privatize them. so these are political choices, which, in many cases, are hurting kids. >> let's shift gears for a moment to helpure. how will -- to tenure, how does the ruling affect classes? >> the decision says that tenure undermines the quality of the education. the case was weak, there was little evidence for the judge's decision. two of the chip who are plaintiffs in the case go to charters, where there's no teacher tenure, two others go to public schools where they can be got rid of for many reasons. they valued teaches through a value-added way. it looks at student's test scores. professional organizations including the american statistical association says it'

college enrollment forecast to grow by 13.9% in the 10 years from 2012 to 2022.ree million students will be added to america's higher learning institutions and after a year of leveling off enrollment in public, specifically public four-year colleges rose .7 of a percent between last year and 2014. how can investors benefit from what could possibly be the start of an impending rise in college enrollment? campus crest, got to describe this company to you. it is the second largest student housing reit in the world and it is located in markets with tremendous pent-up demand. joining me now is campus crest ceo ted rollins. howing and this is all bundled together in a real estate invest trust with a pretty nice dividend. >> that's right. liz: what is the dividend? >> the dividend is 7.6%, liz. it is a great opportunity. liz: great opportunity. talk about how it works. >> the company is really founded on a vertical platform and what we're able to do we control the asset from the beginning of the story to the end. what i mean by that, is that we have a development compan

preschool enrollment and subsidies about $13 million from prop h and $1 million from prop n. this is from operating grants and reimburse a. and from the capital line for technical stants -- assistance for prefa and competition and wages and some money for higher education for early childhood teachers and family support and curriculum enhancement. that's in child development. in child health we have consultation and children with special needs and healthy kids and fund a multidisciplinary and san francisco general and health screening and all are in partnership with dcyf. for family support, we partner with dcyf to fund 25 family resource centers. and then we also have a capacity building line for family resource centers to bridge the work of family support to early childhood education center. this is just a little snapshot of what we've been doing around children and bfa. we are funding about 3280 children in part day or full day presooner or later -- preschool. and the vouchers because they are no longer eligible and we guarantee them a full preschool experience and taking t

i made thersations, decision to enroll with the assistance of student loans and become a teacher. the cost of attendance constantly increased while the grant funds decrease. upon graduation, the joy of completing the first portion of my program was overshadowed by the truth that i have borrowed well over $70,000 in student loans from various sources. federal subsidized, unsubsidized, perp and, and -- and personal. was facing the difficult decision of whether to continue my education and public my dream of becoming a teacher or seeking immediate employment. one student bar the maximum to fill thenable gap in his cost of attendance. he later withdrew and never returned. another student who serves as our treasurer also left school for financial reasons. job in sales and was offered the position of store manager. ofed with the decision occurring more student loan debt, it was no longer the passion would follow. when confronted to the decision to borrow another 20 grand to complete my program, i decided it was best to postpone attendance. admittedly after commencement, i drove to an in