Now, three years ago, I worked with Democrats to reform the student loan system so that taxpayer dollars weren't going to pad the pockets of big banks, and instead were going to help students get a college education. So millions of students were helped by that. We took action to cap loan repayments at 10 percent of monthly incomes for responsible borrowers. A lot of young people don't know this, but if you've taken out federal loans, then if you choose a job, let's say, that doesn't pay as much as you'd like or you deserve, if you're a teacher or some other profession, you only have to pay 10 percent of your income, which means that you can afford to go to college and know that you're not going to be broke when you graduate -- which is important. And not enough young people are using this.