average of $24,000. that's an average. are you waving because you owe $24,000 or -- student loan debt has now surpassed credit card debt for the first time ever. think about that. that's inexcusable. in the coming decade, 60% of new jobs will require more than a high school diploma. higher education is not a luxury. it's an economic imperative that every family in america should be able to afford and when i say higher education, i don't mean four-year colleges and universities. i also mean our community colleges and providing lifelong learning for workers who may need to retrain for jobs when the economy shifts. all those things cost money and it's harder and harder to afford. so, we've got to do something to