That's certainly a good question.
There are two issues. One is how much debt you have at the end of your education. But first, do you have enough money to simply start your education? We mention in our brief some of the effects of the recession on student employment. Student unemployment is up 24% over the pre-recession period, so you have a number of students who simply do not have enough money to even start their program.
That's one problem, one barrier: how do we get people to actually begin the program? There's the new repayment assistance program. That, we think, is going to help with people who have larger amounts of debt on the back end, but we certainly would associate ourselves with anyone who wants to put more grant money out there. We think there is an acute issue.