this matters the most, this is the new reality for our economy is what you know. >> exactly. >> you can tie it to the treasury rate. you make sure that students are going to borrow at a rate, much hy higher than banks get. our government is effectively allowing banks to loan to whomever they want and borrow at 0%. they're going to borrow the student at twice the rate of a home mortgage. why not make this the new home mortgage. treat it like that. get the rates lopwer so student don't pay the most, more than banks and homeowners. >> chris, because of the deal that was cut. they're not going to borrow at a rate higher than your mortgage. that happened because congress hadn't acted. they hadn't done anything. now the key here to understand though is that -- the student interest rate need to stay low. but if you are borrowing $100,000 and you are a teacher and you are making $35,000, then, whether the interest rate