and samsa, i want to start with you, because you wrote an op-ed before congress went into recess andyou wrote in part, if congress lets interest rates double on july 1st, we'll pay an extra $1,000 each year of college over the life of the loan. my family and i are not sure what other hard decisions we will have to make to continue my education. so again, samson, as you know, the deadline's tomorrow. are you going to be able to go back to howard? >> i'm currently going to be able to go back to howard. what this means to me is i'm highly discouraged at the fact that congress couldn't get the measure passed prior to recess. a lot of people are currently struggling. it feels as if they don't want to help us get over the hump with higher interest rates. >> how much do you owe already in student loans? >> i owe a substantial amount. >> substantial? >> very substantial. >> 10, 15, or are we talking -- >> enough. >> we'll leave it there. >> yeah, that's where we'll leave it right now. the thing is, when you get these loans, you're obviously not in a finance place to pay for the tuition yours