the folks in public sector placement -- private sector, unsubsidized. the folks in public-sector placement and nonprofit placement, we hope it will get to the private sector side. >> [unintelligible] >> we actually have an expanded program for single adults to have children over 18 or who do not have children. a portion of the money is general funds. we are able to target our folks who are on -- public assistance who do not have kids. correct. what we are focusing on in jobsnow2 is single-family is who are on public assistance. jobsnow1 was a broader range of individuals who were eligible. now we're focusing on the city's public assistance rolls. we of about 5000 families on public assistance -- we have about five dozen families on public assistance in san francisco. -- we have about 5000 families on public assistance in san francisco. >> [unintelligible] if you sign up for the program, do you [unintelligible] is it a pool of set people? >> we have a pool of people who are employment specialists who are engaged in that job placement process. certainly,

yet there is unsubsidized -- the other is unsubsidized. it has no interest subsidy.est will accumulate while you are in school. you can pay the interest while you are in school or allowed it to capitalize and pay it back with the loan amount. host: new jersey is next. caller: i am calling about the parent plus loan. i think you answered my question. let me just make sure. i have to be credit worthy. we are unemployed and over 55. she could apply for the same one? guest: you apply for the plus loan and then decide if you are going to take it. if you are denied, your daughter would then be able to take on additional stafford loans. host: raleigh, n.c., and the is andy e independent -- i is on the independents' line. caller: grants are a net loss because they are not repay. federal student loans are a loan. it is a revenue producer. is that actually true? what is the net effect on the federal budget? are we making interest or taking a loss? how does that compare with the private student loans? are they a better business model? do they make money and we lose money? what