Thank you, Mr. Chairman.
Welcome to our witnesses.
I want to pick up on Ms. Schmidt's comment. We have this huge—I hate to use the word because it's overused—organic problem that just continues to grow.
I don't know whether there is a cure for what ails the system; however, I do think we can deal with it piecemeal.
My first question is to Brent and to Tierry. One of the issues with student debt is that students are limited as to the amount they can earn. If you earn too much, you don't qualify for your student loan. This seems to me to be simply backwards. I'm not sure I have the answer to it, but do you encounter this all the time? Do you see it through your student associations?