mark krikorian serves as executive director. mr. krikorian, thank you for your time. guest: thank you. joining us now is adam senior contributor for forbes. thank you for coming on the program. >> thank you for having. >> can you tell us exactly what you do in that space? >> i have a practice in boston should and i help folks navigate what is very complex student loan system. i help help will dealing with problems with immigration and folks dealing with issues of hardship, unfair practices, that sort of thing. >> i imagine you had to deal with those issues and related issues. what are problems you are seeing when it comes to student debt and agent -- debt management? >> the good news is there are a lot of programs out there to help manage loans that there are some a programs with complex eligibility criteria that it is unwieldy and services don't always do a great job facilitating so people get tripped up. sometimes they get sent in the wrong direction or have errors or mistakes so it is a major problem. >> information tells us the average that is 32,000 plus dollars,

host: mark krikorian is joining us. invited a line for those undocumented immigrants that want to call in at 202-748-8003. it was on the senate floor that senator cornyn made the case and i want to play some of that in get your response. * let's be -- [video clip] let's be clear -- a pathway to citizenship would have a substantial and direct impact on our budget. a pathway to citizenship for dreamers and immigrants with temporary status would have a budgetary cost of approximately $42.4 billion over 10 years. this is a critical component of our economic recovery. this is -- there is no world in which this budgetary impact is merely accidental $42.4 billion. creating a pathway to citizenship is not just a matter of cost. there are also benefits. it would boost our nation's gdp by $1.5 trillion over the next 10 years. it would create 400,000 new jobs, and increase every american's annual wage by an estimated $600,000 -- -- 600 dollars. when, win, when. publicans have used this process to open up a refuge and alaska for jo