is there any way that should be feasible in your opinion? of course it is, if it is a federal loan we can set the rate at any level we want. this has been a profit making business for the federal government. $66 billion say lot of money, even over less than a decade to earn that kind of money means this is something we shouldn t be allowing such high rates. for our loans that the federal government holds, you should let them refinance at the going rate of 4%. i support senator warren s bill and that s the kind of reform we re looking for. you ve been figworking on th. she wrote a letter to student loan giants like sallie mae, pushing borrowing into plans that would temporarily delay payments but leave them in more debt. my question is, can these for profit lenders be a part of the student debt solution or do you think the incentives are too skewed. they can. always room for a private market