we're also going to be hearing from richard vedder, he is a distinguished professor emeritus of economics at ohio university. a college degree is a worthwhile investment, and for many it can be a ticket to the middle class. we know that on average college graduates earn more, and they tend to have lower unemployment rates than their less educated peers. a highly educated work force is also good for our country. it strengthens our middle class, it strengthens the work force we'll need to compete in the 31st century -- 21st century global economy. more and more jobs of the future will require postsecondary credentials or degrees, and in fact, in the coming years as many as two-thirds of all jobs will require at least some college education according to the center on education and work force. but to afford college, many people have to turn to the student loans to help finance their education. in just a few moments, you're going to hear from britney jones talk about how taking out student loans made it possible for her to get a college degree. and, britney, i look forward to hearing more abou