refinance for five years. so essentially it would cost the taxpayers almost $60 billion. and this is a group of home borrowers who has proven that they can pay their mortgages time every month even though their interest rates are twice that of prevailing rates in the midst of a struggling economy. so these are people who don't even really need the help. >> juliet: okay. so people who are watching this are saying, wait. who is this going to help? is it going to be good news for anybody? >> listen, before people say gosh, kendra, you're not in that position, how would you know? i'm under water in my home. i happen to be under water. >> juliet: a lot of us are. >> yeah. but is it really worth the personal benefit to me to pass that bill on to future generations of americans? no, i don't think so. and to expand the government's