graduate on time, john, at howard. if you graduate in four years, it will pay half the cost of your last semester a savings of about $6,000. it's part of efforts to make howard more affordable to students and graduate with less debt. right now about 46% of howard's students graduate in four years. that to me those numbers scare me that less than half of students graduate in four years. look at the national average. 39%. you wonder why we have a student loan crisis. it's because people are taking out $20,000 to $40,000 a year in student loans, and they're not getting out on time. or in some cases they're dropping out, and then that good debt becomes bad debt. >> four-year college is not four-year college for the majority of american students. >> so bravo, howard university. that's what i've got to say. "early start" continues right now. the dire warning from israel's prime minister creating new controversy this morning. warning congress that iran will acquire a nuclear weapon if white house negotiations end with a deal. but will benjamin netanyahu's