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the government to offset the reduction of 6.8% to a lower rate. and the measure we passed in 2007 accomplished that with a pay-for, because it eliminated a lot of wasteful bank subsidies and fees to make sure that that cut from 6.8% to 3.4% was actually going to take place. so we are here today in a situation where student loan debt now is the largest challenge that faces middle class families who are trying to just do the right thing and give their children the opportunity to get the skills they are going to need to compete in their lives and help our economy, by the way, perform in a very competitive global environment. and yet we still have not come up with sustainable, long-term path in terms of trying to make college affordable. my bill, h.r. 3826, locks in the lower rate at 3.4%, not just for one year but permanently. we also need to look at the issue of college costs. we need to put incentives out there in terms of federal programs to make sure that colleges are ....

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