. >> pelley: nearly 70% of americans don't have a degree, and kaira kelly was destined to be one of themew up in poverty, and even today, she wastes nothing, because as a child she often had only one meal a day, the free lunch at school. >> kaira kelly: i guess i never really dreamed of going to college. i just knew i just had to do what i could do to make sure that my family and i could survive. >> pelley: when you started the scholarship, what were the big questions that you wanted to answer? >> bill gates: well, one was whether a group of minority students could have very high achievement, go to the toughest universities, if there was no financial constraint. >> pelley: you assumed that minority students would do as da glon higher e ab nearly 90% of the gates scholars have earned a degree, and that's life-changing because, on average, graduates earn a million dollars more in their lifetimes. now it's kaira kelly who's doing the teaching, after earning a bachelor's and master's degree in education with her gates scholarship. as college becomes more expensive and student debt rises, wha