you know, unsubsidized stafford loans, the ones not based on need are now at 7.9%. sorry, 6.8%. and parents plus loans, which are not based on need, are 7.9%. you know you can put money in the bank and get nothing. why are you paying 7% or 8% on loans? the trick to get that degree is to figure out how to make it more affordable. i think the real answer will be local community colleges. you don't want your kids at home for two more yes, sir, they don't want to be there but if you can get them to stay home for two years, cut the burden of debt, cut the interest rate payment, get the degree and then move on to the professional level. >> yeah, i like your thinking. i like three-year undergrad degrees. not many of them. you can find them. especially if you're going on to graduate work. the a.p. credits when you come in, it takes forethought for a 15, 16, 17, 18-year-old kid to me. i don't think you should be switching majors three or four times because it's a different kind of world right now. let's look at the broader world. what prevents the u.s. from slipping into another recessio