the most important thing to know is that this is for federal student loans, subsidized and unsubsidized, not for private loans. >> my wife loves the train wreck also known as "the real housewives of atlanta." i started watching it with her and it was driving me crazy. how could these women blow so much money? but one member of the cast, candy, has a different approach to a dollar, how to stretch it. and, recently, she stopped by the studio and shared how she handles money with me. i have worked and made my own money, and it's not because of someone else's money or my husband or somebody else's money that got me where i am. so, i have to be very careful on how i spend it, because i am the br breadwinner as far as, you know, taking care of my mom and my family and stuff. >> now, you are a grammy award winner? >> yes. >> what was that like? >> oh, that was extremely exciting. i write songs and hits for other artists. so that's where most of my money came, from publishing and song writing. >> so you are -- i'm listening to you talk and you think like a business woman. >> i have to. because