have a lot of people asking me, christine, if i can take out my loans and after college they'll be frichid off on the market? >> more and more, you have to have some kind of proven degree in order to have a fighting chance at a good job. so it's important for people to go to college. they need to be able to afford college. the average cost of a four-year versus just went up this year. this is the elephant in the room. but if the price of college keeps going up, this will be a huge problem. >> yeah. and it does keep going up. even a public university, tuition has quad rooul ruineled. that's supposed to be your middle way class out. if you have private loans, housing we form, housing programs haven't worked the way they wanted. will student loan reform really work? >> here is the thing. it only helps if you're a college student or a recent college grad. what about the $1 trillion of student loan debt that already exists? we have a solid ten years where you say quadrupled these rates. look at what people make in a year. what are we going to do about this ten-year generation of people who ha