College is supposed to help people achieve their dreams. But more and more, paying for college actually pushes those dreams further out of reach. That is up a trail of everything that is a trail a betrayal of Everything College is supposed to represent. It is about whether or not america creates the greatest workforce and the world in this century just like we did in the last century. The rest of the world, make no mistake about it is working as hard as they can to outdo us. China is on a path to double the number of students enrolled in college by 2030, which means theyll have nearly 200 million college graduates. More than our entire workforce. I believe, American Workers can outwork and outinnovate anyone in the world. If they are given the training and education they deserve. [applause] Hillary Clinton that is why i am proposing it is time for new College Compact were everyone does their part. We need to make a quality education affordable and available to everyone willing to work for it without saddling them with the decades of debt. As ive been talking with people, i have reached out to students and families and educators and legislators and experts including young progressive activists who point who put the issue of debtfree college and affordability at the top of the agenda. Today, im announcing my plan to put College Within Reach for everyone. Were calling it the new College Compact. We are posting it on our website, facebook, snapchat, just about everywhere we can think of. Or you can text the word college to the number to learn more, and i hope you will check it out. For now here are the basics. , under the new College Compact, no student should have to borrow to pay tuition at a Public College. [applause] Hillary Clinton schools will have to control their costs and show more accountability to their students. No more 42 increases over 10 years, way above the rates of inflation of anything else. States will have to meet their obligation to invest in higher education. [applause] Hillary Clinton the federal government will increase its investment in education, and will not profit off Student Loans. [applause] Hillary Clinton and everyone who already has student debt will be able to refinance it at lower rates. [applause] Hillary Clinton now, this is my plan. Iknow it is ambitious, but think we should be ambitious, because it is achievable and would make a big difference in peoples lives. The new College Compact comes down to two big goals. First, well make sure that cost wont be a barrier. Under my plan, tuition will be affordable for every family. Students should not have to take out loan or tuition at their states Public University. Well make sure the federal government and the states step up to help pay the cost, so the burden doesnt fall on families alone. But here is an important additional point i want to underscore about my compact. Tuition these days is not the only problem. The cost of living and attending college has also been increasing. So under my plan, students who qualify for pell grants will be free to all to use them for Living Expenses and middleclass students will have an easier time paying for Living Expenses as well. [applause] Hillary Clinton were also going to make Community College free. Thats president obamas plan we are adopting get. Adopting it. [applause] Hillary Clinton if students start at a Community College and transfer to a fouryear school, we will make sure your credits count your transition is seamless. [applause] Hillary Clinton and we want more Community Colleges to offer twoyear degrees and Certificate Programs that are valued by employers so students know that, if they do the work, theyre in good shape to get a good job. We will work closely with historically black colleges and universities and hispanicserving institutions, because they serve a lot of very bright and needy students. [applause] Hillary Clinton we will offer special help to College Students who are parents, because when you help parents get an education, youre helping their children. [applause] Hillary Clinton and well make a promise to students who perform national service. If youre willing to spend years tutoring americas kids or cleaning up our parks or helping communities hit by disasters, well guarantee that you can attend your Public University or college debtfree. [applause] Hillary Clinton so thats the first big goal. Heres the second well make sure that debt wont hold anyone back. For the millions of americans , including many of you live including many of you who already have student debt my , plan will give you the chance to refinance at lower Interest Rates. It just makes sense. If you can refinance your mortgage or your car loan, you should be able to refinance your student loan. [applause] Hillary Clinton its just wrong that people are locked into College Loans at 8 , 9 , even 10 interest. If you do end up taking out a , for example, to go to a private college, we will cut the Interest Rates, so government never makes a profit off of your loan. Well make it easier to enroll in incomebased repayment programs, so youll never have to pay more than 10 of what you make. And your debt [applause] Hillary Clinton your debt will only last for a fixed period of time. It wont hang over your head forever. We are also going to help borrowers who are in default get back on their feet. To meet their obligations. And we will make sure colleges and universities have more skin in the game. If they load students up with debt for programs that dont lead to goodpaying jobs, it students and taxpayers should not be the only ones left holding the bag. Colleges deserve some of the responsibility and they will have to fulfill it. [applause] Hillary Clinton we will crack down on predatory schools, lenders, and bill collectors. If you defraud students, overcharge veterans, or mislead borrowers, were going to do everything to hold you accountable and stop you. [applause] Hillary Clinton i want to strengthen the g. I. Bill so more veterans can get their degree [applause] Hillary Clinton and i want to make sure that colleges spend federal dollars on things that benefit students, like teaching and research and not Marketing Campaigns or big salaries for administrators. [applause] Hillary Clinton and finally i want to encourage innovation. People are increasingly rebooting their careers through online programs, yet many students cant use federal student aid to pay for them. If earning online badges, specializations, or nanodegrees helps people improve their job prospects, we should be making that option easier and more affordable. And under my plan, more students will be allowed to use student aid to pay for highquality programs particularly online. And well make sure that rules about accreditation dont keep out promising Online Education companies. We want to keep quality high without stifling innovation. Now, the reason i call this a College Compact is because it goes both ways. Everyones going to have to step up. We cant fix the problem of rising costs and rising debt just by throwing more money at the problem. We cant expect the federal government just to pay the bill for free. Thats not how america works. States will have to start investing in education again. Colleges will have to do better by their students. Students will have to make a contribution of working 10 hours a week, americans will have to work hard to put themselves through school to out learn and outhustle our competitors just like will always have. From my perspective, this is just common sense. If youre going to hear people in this Campaign Talk about improving the economy, helping incomes rise, ask of the what ask them what they are going to do to make College Affordable and begin to deal with the debt burden that is holding too Many Americans back. [applause] Hillary Clinton i want every young person in america to know if you work hard, you can get ahead and i want america to have your back just like it did in the past and like so many of us believe. I had a loan to go to law school. It was a government loan. It was at a very low Interest Rate and i paid it back as a percentage of my income over time. So did my husband. We worked hard and all of the time, extra jobs, extra opportunities to earn money in order to pay our way. That help from our government made a huge difference. I am asking people, you have to do your part. You have to work hard to do everything you can to make your contribution, but we should have your back. I want every parent to know that his or her child can get a degree or you can get one yourself. That is the country i want to help build for this generation and all generations to come. I look forward to talking with you about it right now. [applause] Hillary Clinton thank you so thank you all. Thank you, so much. [applause] Hillary Clinton thank you. Please please, sit down. We have a got folks and the audience with microphones. If you raise your hand and i call on you there will be a , microphone over to get you. Where shall we start . There is a man in the red shirt. Yes, sir. Thank you for being here. Really excited about the college initiative. I know education has been important to you here and around the globe. Right now, Early Childhood education is a key part making sure people have an opportunity to go into the future and eventually go into college. Around the world, 58 million kids who cannot step foot inside of our grade school. Kids suffering from malnutrition. Their brains and bodies are not developing properly. I will love to see and asking and ask you if you would be , willing to launch it and initiative for Early Childhood that would focus on nutrition and getting all kids in preschool and grade school. [applause] Hillary Clinton thank you. Well the answer is yes and yes. The first yes is in our own country. We have got to do more here to get more children prepared to be successful in school. And i feel very strongly about this. Some of you have heard me talk about it before, because we can do everything i just outlined and get more kids into Affordable College and get at the debt load down and we could do a lot to work with Great Schools like this and others to help more kids succeed, but those zero to five years set the pattern. Many kids come to school behind already. This is not something that i am saying just because i care deeply about it and i am a new grandmother and reading the talking and singing to charlotte. It is because Brain Research shows that. 80 of your brain is physically formed by the age of three. And kids who are stimulated, have good Early Childhood programs, whose families have the time, energy, and understanding to help prepare their own kids, they will do well. We also know from the research that by the time kids get to kindergarten, kids like my granddaughter, will have learned 30 million more words than children from less advantaged backgrounds. The achievement gap will literally start on the first day on the first day of kindergarten. For those of you who are teachers, and i hope we have a lot of teachers here, you understand this. You will do your very best and the classroom and the school and try to help every kid fulfill his or her godgiven ability but it would be a lot more successful if we had universal prek a good Early Childhood in our country. The second yes is both as a first lady, senator, and secretary of state, i worked on the Development Goals and work ed hard to make sure that our country, which is said to a generous country did what we , could to help the smallest, most vulnerable of children and we have made progress. We have more kids into schools and Elementary Schools and cut the infant mortality rate and with made progress. We still have too many places in our world where kids die too young. Where they are stunted from poor nutrition. Where they are not given adequate education. I have made this point. I write about in my book, i have made it in many speeches around the world, i believe what the United States does through our government and through our philanthropists, faith communities and individual charities is just astonishing. You know, we are a generous, caring nation. And we have to recognize it really has made a difference the work that americans have done around the world. And i started a program when i was secretary of state called feed the future and it represents my views and became one of president obamas biggest initiatives. I think that it is far more important to help people learn how to feed themselves and create a market economy around those crops than to always have to be providing emergency food aid. What we did with feed the future was to create more opportunities , to go after malnutrition. We still have emergency help for malnourished children. We also are doing more to help people have the tools to help themselves and their kids. A problem you did not mention , but one i will throw in, is clean water. We have one billion people in the World Without access to clean, safe drinking water. These are not only important charitable opportunities. They are also Economic Opportunities because we have , Great Companies in america are really good at knowing how to do this. If we can continue to link of link up our private and public sectors in dealing with these problems, i think we will go far in meeting your goals. Thank you for raising that. I am an educator. 13 year public education. [applause] thank you. And as a ninth grade teacher, i see kids coming from eighth grade without having the summer opportunities to continue very working on a Summer Program keep kids engaged and active is a tremendous an investment in our future. Kids lose so much over the over that time. My family has the resources to keep them engaged and stimulated. A lot of families are not so lucky. What you have on that measure . Hillary clinton thank you for teaching and caring about what happens to your students year round, not just when you have responsibility for them. One of the things i want to stress about improving education in our country is we should look at the evidence about what works. A lot of people have big arguments over the right things to do, but they often do not reference the massive amount of evidence we have about what works. You just put your finger on one thing that really works. You can work really hard all year as a student, a family supporting the student, and as a teacher then you have three months. Other kids are going to museums or interesting trips. Maybe they are watching movies with their families that they talk about. There is a lot of stimulation going on. We know a longer school year, Summer Programs, a longer school day, are especially helpful in closing the achievement gap between kids who do not have all of the opportunities that you are talking about and kids who do. Honestly, a good Summer Program can make a huge difference. And i think that is something the district shall look at , particularly for kids who may not have good alternatives during the summertime. Thank you for raising that. That is great. The young woman back there. Yes, you. I just got back from doing a year of service from the four americorps in los angeles. One thing ive noticed that really bothered me was that there was no school nurse and very few opportunities for the students. And the opportunities offered were provided by philanthropist and not the government or other federal agency. I was wondering what you may be able to do in regards to the Hillary Clinton thank you for being a part of americorps and doing your service. We have 75,000, mostly young people in americorps every year. I want to get it up to 250,000. Part of it is because i really believe in service. I believe in service in either national service, military service, some service a young person can do to get back to our to give back to our country , and thank you for doing that. Again, we are not always being smart about how to make a better investment that will save us money. Kids who are in school who have some kind of medical or health issue if it is not taking care of, it can interfere with their learning. Ive seen it over many years with the Childrens Defense Fund. Kids who do not know they cannot hear or do not know they are not seeing well. Abscessed teeth many problems. We have a lot of kids that show up to school with Health Problems and we have steadily cut back on a nurse or some kind of health care program. You are so right. I am so grateful to philanthropys philanthropies that pay to send nurses to 10 schools but we have 10,000 schools. How do we pay for services to make sure kids are healthy and do as well as they can . The only way is to have a much more Supportive Program from the government from the local statefederal level. I know it saves money in the long run. People say to put our nurse in every school you can have nurses covering two or three schools. You can do that. The point is what is the alternative . Sick kids who do not do well and will often drop out because they are not doing all and will never live up to their potential and become a burden. A financial burden on the rest of us. We have to get smart on how we spend our money to get the best results. Thank you for your service and raising that issue. I hear about it across the country. People are concerned about the lack of health care continuity. Now that we have the Affordable Health care act and more children are available for treatment [applause] Hillary Clinton we at least have a funding stream to take care of problems that are identified. Often times the issue is how to get them identified . Who will be on the frontline . A child spends seven or eight hours in school and day and that hours in school a day, and that is a great way to refer them and treat the student that can be treated and the school site. Thank you for that. Oh, my goodness for you we go. How about you . My name is megan and i am from New Hampshire. I am a life coach at a nonprofit in boston. And i work specifically with boys and young men who are victims of sexual exploitation. That is usually the response i get. When i get to these kids back into school, there is a Massachusetts Department of families partners with Bridgewater State to offer them college which i think is , amazing. These kids go through so much. I think your plan is really great and i was wondering if you , could implement anything to support what dcf does . Hillary clinton thank you for doing that work. A group of with young people who are thelarly vulnerable exploited and marginalized. There is no doubt that some groups of kids need more intensive help. Thank you, for doing that. Withve to do more to deal these vulnerable groups of kids. Kids in juvenile facilities. A lot of kids, they make a mistake and then they are put into a facility where often they get worse, not better. They dont get adequate education. They often dont even get adequate nutrition, exercise, anything else. Then we turn them out and we wait for them to do something worse because what do you know . They have never really been given the support they need to do any better and they dont see much of a future. The foster care system. You know, in so many places, youre in foster care until you graduate from high school or turn 18, whichever is first. I have worked on foster care issues for a really long time going back to my Childrens Defense Fund days. I have defended foster care kids and advocated for legal changes as first lady and worked across the aisle to get changes to help foster kids. It really breaks my heart. I dont know how many of you have ever known foster kids. Ive known many of them. So many of them just need some support and permanence and predictability. Along comes the age of 18 and in some places in our country, the social worker shows up with everything they own in a black garbage bag and says youre on your own. If they turned 18 and they are in the middle of high school, if they are lucky enough, the foster family says stay here until you graduate. Sometimes they are not. And they are literally sent out the door. I had to help and intervene as a senator and with other people to help kids who are sleeping in bus stations who wanted to finish school and have nowhere to go. I have talked to foster kids who by the most intense effort got themselves into college but then w hen everybody else goes home for thanksgiving or christmas they have nowhere to go and the dorm is closed. What is going to happen to them . I mention this because we could never forget because as challenging as it is for many people now, economically and it is, there are groups of people, particularly children and young people in our country who are really in trouble. So i want to do what we can to do more, to help them and i will look for ways to do that. [applause] my goodness. Oh ok. I was going to go this way and then come back. Is that ok . Ill be back. I promise. I promise. Ill be back. Ok. The gentleman in uniform back there. [applause] good afternoon, hillary. I appreciate your time. I served 22 years in the United States navy. I live right here in New Hampshire. [applause] my son is an active duty Gunnery Sergeant in the marine corps. This is not about education but about the problems going on with the v. A. Recently there was this dentist that killed a lion and there was this outrage that was unbelievable. You have over 8,000 veterans a year committing suicide because they cannot get access to the v. A. Because of the corruption going on at the v. A. To put that into context for you, that is the equivalent of a world war ii baton death march every year. Where is the outrage for that . That is just the suicide victims. Whistleblowers, 47,000 veterans a year. 47,000 for other reasons. If you have 47 townships in New Hampshire with 1,000 people in every one of them being wiped off the map every year, what would that be called . Where is the outrage . What we want as veterans and im a leader in this aspect. You want to know what is going on in the community . We started a Facebook Page called v. A. Is lying. There is over 8,500 of us there. Were working the leadership of the v. A. The undersecretary knows my name on the veteran benefits side and on the administration side. They know who i am. We are working hard to get this corruption straightened out. This is our v. A. We are going to clean it up. Ok . But we need help. And what we need is to see some of these people who are corrupt in the v. A. , who are hurting us. There beng how can 47,000 veterans a year dying and no one has been indicted . This has gotten to the point where it is ridiculous and we need help. We are doing what we can. Because warriors never ever give up. Ever. We adapt and overcome. We will clean up our v. A. But we need our help. Hillary clinton you will have it. You will have my help. You will have it. [applause] you know [applause] thank you for not only explaining what is happening, but for being committed to helping us end it and to clean up the v. A. So that it operates as it should for you and for every veteran including your son, when he eventually is no longer active duty. Thats right. Thats why youre a patriot. Thats why i appreciate what youre doing. I will be your partner in this because i believe strongly that [applause] there is no excuse. Absolutely no excuse. No excuse for corruption. No excuse for negligence. No excuse for any kind of mistake or oversight that in any way harms one of our veterans. So we will follow up with you. [indiscernible] Hillary Clinton let me have someone talk with you after this. To get more information. We will look at your website. I cant comment the laws may need to be changed. I cant comment on legal matters without knowing. You give us information. You got it. You are well prepared. I can tell. You are an excellent member of the United States navy. Thank you. We will follow up with you. [applause] we will follow up and i will make sure that we have good information with from you and to discuss with you. Thank you. [applause] Hillary Clinton you know i just knew that there was something i saw in you when you stood up. Well get it done. Thank you very much. My goodness. Wow. That was great. Thank you. Yes, maam, right here. I hear a challenge and i think that is wonderful. You look great, by the way. My question is for undocumented children who graduate from high school, go to accepted at college but then they dont have any they are not capable of getting any kind of aid. Do you know anything about this . Hillary clinton yes, this is a problem that we have got around the country. Some states are beginning to deal with it. They are beginning to offer instate tuition to undocumented High School Graduates who want to go on to college. Some states are also working to provide financial aid. I want to encourage more of that. I think that is importan because i want comprehensive Immigration Reform which will give us a very [applause] i want to make a slightly different argument. It goes back to my point about china. One of our advantages, and people dont always recognize this, is that immigrants start more businesses. By a very big proportion. I want more americans to start more businesses, but immigrants start more businesses now. We have more young people who are immigrants, both legal and undocumented. That is one of our economic advantages. It is also an advantage for older people because we have to keep replenishing our revenues for Social Security and medicare so the more people we get legally into the workplace, the better it will be for our economy, for our programs like medicare and Social Security and it will give us an advantage in competing against countries that are actually now starting to age faster. I think we have got some real opportunities here. So thank you for asking that. Yes, this young woman right there. Yes. Here it comes. Hi. This summer we have seen a lot of violence in charleston, chattanooga and lafayette. We no longer feel safe in our schools, our churches, our movie theaters, and despite the fact that most americans feel that we need to change our gun laws, our leaders have not taken any steps to protect our communities. What would you do to help us feel safer and address the gun violence that is killing 88 americans a day. [applause] thank you. Hillary clinton well, i will be fighting with you right by your side to do what we can to try to prevent these terrible killings and you just mentioned a few of them, as you say 88 People Killed by guns every day in america. Now, from everything i have ever seen, a majority of americans and a majority of gun owners support universal background checks. And part of the challenge is to overcome a very entrenched special interest that does not represent, as i say, the majority of americans or the majority of gun owners to get, number one, a background check that actually worked and we have too many glitches in it right now. Thats how the young man who massacred the nine people in charleston at their bible study, he should never have gotten a gun. They didnt get all the information in and there is a threeday limit and he got the gun, and we know how he used it. I feel very strongly about this. You know. I just dont think there is the kind of contradiction that some on the other side try to argue on behalf of the Second Amendment with sensible gun violence prevention measures and protecting peoples rights to bear arms. I will take that on. I know that it is politically challenging. [applause] but at some point, this you know, we have to regain our senses. Our country lasted for a really long time and in fact, it was only relatively recently that you know, the Supreme Court decision began to reinterpret the Second Amendment. What about the rest . What about the young mom with her two kids who was in a supermarket and some guy gets to come in with an ak47 over his back because he got a new permit that permits him to walk around and threaten and intimidate and scare the heck out of that young mother and her children . I dont get it. [applause] Hillary Clinton so we have work to do. We still have a lot of work to do. It is good work. It is important work. Oh, my goodness. There are just so many hands. Ok. Yes, sir. Do you have any suggestions as to how to get the overpaid and too numerous administrators at universities out of the way so the faculty can do their work . [applause] Hillary Clinton well, can i say that i hope with my compact, the idea behind the compact is that we will provide incentives for states to do more to be able to cut the cost so that young people can afford a Public College or university, and among the lists of things i would like to see done is deemphasizing layers upon layers of administration and reemphasizing teaching. And part of the problem here i i have been meeting a number of young people. s, in areas of scarcity, wholl not they are not being hired. They are not being put on a tenure track because the University Says well, we dont have any space for you. And they are making 22,000, 24,000 a year. Barely enough. Well, they certainly cant pay off their debts and they are having a very hard time supporting their families. So i just think somehow our values and priorities got out of whack. You know, i cant speak to any particular college or university, but i have heard enough stories to believe that we could do a better job streamlining the top, saving money and putting money into faculty, particularly young faculty because it is the young faculty that are being most disadvantaged by either not being hired or not being paid adequately so that they cant really do the job that they have dreamed of doing. Im with you on that. We have to see how we can make that work. [applause] Hillary Clinton ok. Any man with three stickers including one on his forehead hello. Thank you so much for being a champion for children here at home and also globally as well. I believe as regardless of where you are born, you should have every child should grow up to have the opportunity to reach their potential. When we create partnerships that will these kids, then we can build independent people. If elected, will you bring these countries and the private sector together to show that we have universal access to education for children . Hillary clinton thank you. Thank you so much. You know, i do think that we have a stake in trying to improve education around the world to try to create conditions for people, peoples economic fortunes to improve. To create middle classes around the world, which is tied to education. That is good for us. That is good for our economy. That is good for our democracy. So i want to make sure we do what we can and it will have to be a partnership because it is a partnership between governments, the private sector, academic institutions, charities, faithbased groups and a lot of other really important partners. Ill tell you a little story that your question kind of prompted in me. You know, ive been when i was secretary of state, i went to 112 countries for you. And there were a lot of places that [applause] Hillary Clinton you know, that were still developing, that were very poor. One of the reasons why i worked hard to create an opening to burma now called myanmar is because it is very strategically located but also had been so isolated for so long. It was apparent,under military dictatorship, the very top had done very well. There was no middle class. And then there was just different degrees of poverty. And when you see that, and you realize how Vulnerable People are to disease and to other, you know, both health and educational problems, you know, it really does give you a great perspective on how blessed and fortunate we are and we have to keep investing in the our own people and we have to keep doing better because we have so much to be grateful for and we have to offer it to our next generation. And i think when you look at the world from that perspective, i didnt go anywhere in the world that people didnt want to know what was happening in america. And even those who would publicly criticize us were really interested in how we were solving problems and given the fact that president obama became president and he asked me to become secretary of state in the midst of the terrible economic crisis, there was a lot of anxiety about the United States economy because it still is the basic driver of what happens in the world. And i could just see people saying it is so important for the United States to get it right. You have to get it right. You have to keep holding up the banner of freedom and opportunity and equality for everybody because without you, were really going to be lost. I think that is true. I just have to tell you. You know, people who say those for American Leadership are behind us, i think they are wrong. It is not somebody elses leadership. It is nobodys leadership. That would be a very Dangerous Development in the world where you dont have the values, the interest, the ability to bring people together to solve problems that we have basically led for the last century and need to do again. So your question, what can we do about kids living far away is connected to how well we take care of our kids right here today, because we can only be as strong as our economy is, our peoples dreams and aspirations are and thats why in this campaign, what im trying to argue for is to build on what makes America Great and make it even greater so that our best days are ahead of us, not behind us. But that causes us to have to ask ourselves hard questions about what were going to do and how were going to do it. I think were up to it. I wouldnt be running for president if i didnt think we were up to it. [applause] Hillary Clinton thanks for the hair compliment before. I didnt stop and thank you. I didnt thank you for the hair compliment. You know, since who knows what my hair will look like from daytoday. Any day that it is good, i appreciate you noticing it, thank you. Hillary, i thought you might like my tshirt, and i have a bit of good news for you, which is that my daughter survived stage 4 kidney cancer. [applause] she is 4 years old and you took time out at your 2014 reunion to speak to us, and i really appreciate that. So, thank you. Hillary clinton thank you for the update. Thank you so much. She is doing fine. The thing is she is black and unarmed black people keep getting shot. And black lives matter and [applause] you know, she survived stage 4 kidney cancer. I need her to graduate into a world that is more just and fair. [applause] Hillary Clinton oh, bless you bless you [applause] Hillary Clinton im thrilled to hear how she is doing and please give her a big hug. Give her another big hug from me, please. The last month, many months now, we just had the anniversary at ferguson and another incident occurred, someone else being shot. We dont know the circumstances, but the facts are, across the board, concerning we have deep unaddressed systemic race and justice issues and it is important that [applause] Hillary Clinton that we honestly talk about them and try to bring the country together around dealing with this. It is not enough just to, you know, say were concerned. We have to take the next step and say were so concerned. Here is what we are willing to do. From my perspective, there are a number of proposals that i have been talking about from the very beginning of my campaign. One is we have to take a hard look at mass incarceration because it has been [applause] Hillary Clinton it has , unfortunately, been one of the root reasons why so many families, particularly africanamerican families are torn apart, undermined, never formed and there is no doubt there is just no doubt. Nobody wants to return to lack of safety or rising crime. So lets just pocket that. Nobody wants that. But the evidence is clear that if youre an africanamerican man of whatever age, teenager and up, you are more likely to be arrested, to be convicted, to be imprisoned for doing exactly the same thing as a white man who will not be. [applause] Hillary Clinton and that is not you know that is not something that anybody wrote down in a law. That is just something that has grown up over time where people make those decisions. And we have to do a better job working with law enforcement, working with the entire criminal Justice System so that the system and individual Police Officers respect the communities they serve and the communities they serve respect them. And there is a lot of work were going to have to do. Some of what i proposed, body cameras, that is a way of at least Holding People accountable, but there needs to be more training, more awareness of peoples own individual feelings or maybe biases. We have a lot of work to do. I think that these terrible incidents of a the past year, they go way back, but certainly in the headlines of the past year really call on everybody in every Community Just to say hey, we need to do a very clear assessment about where we stand. Now lets rid ourselves of bias and prejudice and discrimination and make sure our Police Officers are well prepared for the difficult jobs we ask them to do. Lets try to work with communities so that they can provide more support and opportunities for young people, particularly young men. We have a lot of work to do. But we cant do that work if we dont admit we have a problem. And i think we have a problem and were going to have to do it and yes, of course black lives matter. There is no doubt about it. [applause] Hillary Clinton thank you. I have got time for one more question. Anybody on college . Ill talk about anything but i want to make sure since people came to talk about college, i want to make sure we get a college question. Ok. Why dont you ask . Hi, hillary. I wanted to be able to make sure that people Going Forward will be able to afford college better. Were a family of four kids. My dad worked all of his life. We all had to take out private loans. Me, my sister and soon my younger brother will be living at home paying off huge amounts of debt. When i graduated i had about 120,000 in debts. The average is 30,000, i really want to know where they are getting that number from. Because and in graduate school. With graduate im at 250,000. Yeah. And i have loans that when i applied for them said i would be at 8 . Not the 12 . Hillary clinton first of all, im really sorry that that happened to you. That is just wrong. I dont know the details but i will say without fear of contradiction, that is wrong. With the variable rate interest that they kicked up on you. Well, you going to be helped by you are going to be helped by my plan. I can tell you that. Because we are going to be able to refinance all of your debt to bring it down to where the Interest Rate is right now. Who did you borrow from . Were those government loans or private loans . So you have government loans plus three private ones. Well, all of them can be refinanced. We have taken into account, when we did the numbers on this, the way we will pay for it is by closing the loopholes and the deductions for people at the top and we will go and in one instance, we will go back to where it was when president reagan was in office. You know, i think the republicans should love and embrace. And we will take the money that we save from closing those and then we will use it to do exactly what i said. To refinance loans. 40 million people. Youre one of them. Who have those loans that desperately need refinancing. Youre a good looking young man. You ought to be out in the world making your way and i hope you can be. I know how challenging it is for you have to have those kinds of debts and be back at home after you have finished your education. So we want to refinance the loans and then we want to make it more affordable on the front end so people dont ends up where you are. I also want to put a limit on the number of years. Because at some point it is just counterproductive for you to keep working to pay off debt instead of working to build a business, to build a family, to buy a home, to help the economy in other ways. [applause] so were going to help. Thank you. Thank you all very much thank you [captions Copyright National cable satellite corp. 2015] [captioning performed by the national captioning institute, which is responsible for its caption content and accuracy. Visit ncicap. Org] we have more road to the white house coverage tonight. Jeb bush lays out his foreignpolicy tonight. You can watch his remarks at 11 00 p. M. Eastern. Journal is next. We look at the news and take your phone calls. Gina mccarthy talks about a proposal to reduce Carbon Emissions from power plants. We havent live. Later today, a hearing looking at ways to prevent telemarketing scams directed at senior citizens. 4 30 eastern, here on cspan. Coming up, Gretchen Morgan joins us. Talk about the home loan modification program, set up to help homeowners struggling to make mortgage payments. Susan carlson on fetal alcohol syndrome on a news that a examining drinking and drug use among pregnant teenagers. Talks about endangered species and big game hunting. We take your Facebook Comments and tweets. Host good morning, it is tuesday, august 11 and Student Loans is where we will begin this morning. With outstanding Student Loans illequipped dribbling since one . 2estimated trillion some of the president ial candidates are talking about how they would address the rising cost of a college education. Hillary clinton was the latest to outline her plan. Will tell you about the details this morning and get your experience with paying for college. If you have Student Loan Debt dial in at 202 7488000. If you paid off those loans
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