gates and warren buffet that have done the billionaire challenge. how much will you give away and make a commitment and do it. there's $1.56 trillion in student loans. these not enough. the other problem is, the creditors have to be paid. you can't wipe it out. not say screw the creditors. i don't want young people to feel the burden but you have the morale hazard. you took out the loan, you have to pay for it. look at purdue university. former governor mitch daniels has figured out a way to hire good people. you want to hire emily? she's going to graduate in two years. you're going to put forward 60% of her tuition. great. sign a contract, emily you have to work there two years. might be a good relationship. the other thing is companies willing to pay for your student