Mr. CLARKE of Michigan. Thank you again. And you're absolutely correct. If we keep the student loan burden low on our borrowers--I mean, it's not low; many student-loan borrowers are paying like $1,000 a month on their loans. But the more that our borrowers can keep their money and invest it, start their own businesses--think about it, our students, our graduates are the ones that have the ambition and the discipline to be able to go through school, to graduate. They're likely the ones that would start their own businesses, be entrepreneurs. That's how you build jobs and create financial security for not only our families, but also economic security for our country.

But many of our borrowers right now, they can't take the risk of starting their own business, even starting a family--let alone buying a home--because of student-loan debt. So if we can keep that debt as low as possible, that will help stimulate our economy. It's a great job-growth stimulus.