intervention -- to lower college costs? >> well, government intervention has driven up college costs. subsidizing student loans has made it so that students and their parents are not as price sensitive. in other words, they're willing to pay more because the government gets behind them, but then that leads to the situation where these schools end up being four-year resorts. oh, fancy dorms, great athletic center, but the money's not going to instruction. so obama responds to this with more government intervention. that seems to me exactly the wrong course to take. heather: yeah. it was estimated in the 2011-2012 school year alone, the academic year, 93% of all student loans were issued by the government. now, some other proposals in his idea called for, you know, rewarding schools that maxize the use of technology in education as well as easing the burden of student loans for recent graduates by capping loan payments at 10% of their income. is there anything in the plan that you see that you like? >> there's definitely some positive reforms that he talks