Re: REVISED DRAFT: college rollout

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Correct -- thank you On Saturday, August 8, 2015, Joel Benenson <[email protected]> wrote: > I would think about changing this line: > > > > This is also about our national competitiveness. > > > > To > > > > This is also about making sure that America creates the greatest workforce > in the world in this century – just like we did in the last one. > > > > *From:* Ann O'Leary [mailto:[email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>] > *Sent:* Saturday, August 08, 2015 4:32 PM > *To:* Katie Connolly > *Cc:* Joel Benenson; Jim Margolis; Mandy Grunwald; > [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>; > [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');> > *Subject:* Re: REVISED DRAFT: college rollout > > > > Thanks, Katie. I like it. I know Megan is going to get back to this soon > and I am going to have my team fact check all the policy pieces, but wanted > to have the latest draft in everyone's inbox. I highlighted in yellow > Katie's change and two small changes that I made: > > > > *HILLARY RODHAM CLINTON* > > *REMARKS ON COLLEGE AFFORDABILITY AND STUDENT DEBT* > > *EXETER, NEW HAMPSHIRE* > > *MONDAY, AUGUST 10, 2015* > > > > It’s wonderful to be back in Exeter. Thank you, Danny, for that > introduction. And thank you all for coming out today. I’ve been traveling > all over New Hampshire, and everywhere I go – from Dover to Nashua to Glen > to Windham – people ask great questions. It must come from being the first > primary state. So today, I want to talk for just a little bit, and then I > want to hear what’s on your mind. > > > > This election is about the choices we have to make as a country, and how > they’ll shape our children’s and grandchildren’s futures. I believe that, > in America, if you work hard and do your part, you should be able to get > ahead and stay ahead. That’s the basic bargain that’s always set our > nation apart. And I want to make sure we keep that bargain and strengthen > it, so it holds true for this generation and the next. > > > > Thanks to your hard work – and the hard work of people across the country > – America has come back from the worst recession of our lifetimes. We’re > standing again. But we’re not yet running the way we should. Corporate > profits are near record highs – but most paychecks have barely budged. > Costs for everything from childcare to prescription drugs are rising faster > than wages. It’s no wonder so many Americans feel like the deck is stacked > in favor of those at the top. > > > > We’ve got to do better. We’ve got to get incomes rising again, so more > hard-working families can afford a middle-class life. We need strong > growth… fair growth… and long-term growth. *That’s* how we’ll achieve > lasting prosperity – by building an economy that we *all* have a stake > in, and that works for *everyone*. > > > > If we can do that, we’ll make being middle class mean something real and > important again. If we can do that, we'll restore the middle class as a > place where aspiration thrives, instead of a place where, too often, dreams > are dashed because opportunity is out of reach. And we can start by putting > one of the most important opportunities – the shot at a high quality > college education – back into the hands of everyone who wants to work for > it. Today, I’m announcing my plan to *make college affordable and > available to every American.* > > > > For millions of Americans, a college degree has been the ticket to a > better life. My grandfather worked his entire life in a lace mill – but my > dad made it to college and was able to start his own small business, and > that made a huge difference in our lives. Then my parents scrimped and > saved for years, so they could send me to a school across the country. > They knew that they were setting me on the path to a better future. > College still holds that promise today. A lot has changed in this country > – but that hasn’t. > > > > Across America, parents who never had a chance to go to college themselves > dream of that aspiration the moment their kids are born. High-schoolers – > even middle-schoolers – are taking college prep courses and studying for > the SAT. Full-time workers are spending time at night taking course > on-line to earn certificates or badges, or going to community college at > night, to increase their knowledge and skills so they can move up the job > ladder, even if that means heading straight from an eight-hour shift to a > pile of homework. If that’s what it takes to get a better job – to give > their kids better than they had – then they’ll do it. > > > > But here’s the problem. States are slashing education budgets. Colleges > keep raising prices. In-state tuition and fees for public colleges > increased by *55 percent *between 2003 and 2012. But your incomes didn’t > rise by that much, did they? So families are left facing a painful > choice. Either you say, “We just can’t afford it,” and pass up on all the > opportunities that a degree can offer – or you do whatever it takes to pay > for it, even if that means going deeply into debt. > > > > And while the return on investment of a college degree is still worth it > over a person’s lifetime, more and more, student debt is holding people > back from getting a strong start. Forty million Americans have student > loans. Together, they owe more than a trillion dollars. New Hampshire’s > students are carrying the highest debt in the country. And millions of > Americans are delinquent or in default. Even if they’re doing everything > they can to pay their loans, they just can’t keep up. > > > > The cost of this debt is real – not just on balance sheets, but in > people’s lives and futures. I’ve talked to people who have so much student > debt, they’ve put off buying a house, changing jobs, starting a business – > even getting married. I’ve met parents and grandparents who’ve co-signed > loans and end up draining their savings or ruining their credit – all > because they did what parents and grandparents are supposed to do – help > out the next generation. > > > > There are students who take out loans to pay for an expensive degree from > a for-profit institution – only to find little support to help them > complete the degree or they graduate and discover that, when it comes to > finding a job, their degree isn’t worth what they thought it was. > > > > The 40 percent of students who never finish college are left with debt and > no degree to show for it – the worst of both worlds. And that > non-completion rate should trouble to all of us. It’s the highest in the > developed world. It is time for us to show some tough love with our > colleges and universities that year after year allow more of their students > to fail than to graduate. > > > > College is supposed to help people achieve their dreams. But more and > more, it’s pushing people’s dreams further out of reach. And that’s just > wrong. It’s a betrayal of everything college is supposed to represent – > and everything families have worked so hard to achieve. > > > > This is also about our national competitiveness. The rest of the world is > working as hard as they can to out-do us. China plans to double the number > of students enrolled in college by 2030, which means they’ll have nearly > 200 million college graduates. That’s more than our entire workforce! > American workers can out-work and out-innovate anyone in the world – as > long as they get the training and education they need to compete. > > > > So we need to make some big changes. We need to transform how much higher > education costs – and how those costs get paid. For too long, the burden > has been left to families to bear the crushing cost of soaring prices, > underinvestment, and too little accountability. > > > > *It’s time for a new college compact, where everyone does their part. We > need to make a quality education affordable and available to everyone > willing to work for it – without saddling them with decades of debt.* > > > > I’ve been traveling the country for months, talking to students and > families, educators, legislators, and experts of every stripe – including > young progressive activists who’ve put the issue of debt-free college and > college affordability at the top of the national agenda. > > > > And today, I’m announcing my plan to put college within reach for > everyone. We’re calling it the New College Compact. And we’re posting it > on our website, Facebook, Medium, Snapchat – just about everywhere we can > think of. I hope you’ll check it out. But for now, here are the basics. > > > > Under the New College Compact, no family – and no student – will have to > borrow to pay tuition at a public college. > > > > Schools will have to control their costs and show more accountability to > their students. > > > > States will have to meet their obligation to invest in higher education. > > > > The federal government will make a major new investment in this promise > and will never again profit off student loans. > > > > And everyone who has student debt will be able to refinance it at lower > rates. > > > > That’s my plan. It’s ambitious – and we should be ambitious. But it’s > also achievable. And it would make a big difference in people’s lives. > > > > My College Compact comes down to two main goals. > > > > *First, we’ll make sure that cost won’t be a barrier. * > > > > Under my plan, students will never have to take out a loan to pay for > tuition at an in-state public university to get a 4-year degree. Tuition > will be affordable for every family. We will make sure the federal > government and the states step up and pay the costs, so the burden doesn’t > fall on families alone. > > > > But these days, tuition isn’t enough. The cost of living at college has > been creeping up too. So students who qualify for Pell Grants will be able > to use them for living expenses and students that have to take out loans to > pay for living expenses will be assured that the rates will be reduced > because the federal government will no longer be allowed to profit from > their student loans. > > > > For those who go to community college, it will be free– that’s President > Obama’s plan and we’re making it ours too. If students start at a community > college and then transfer to a 4-year school, we’ll make sure their credits > count towards a 4-year degree and the transition is seamless. We’re also > offering special help to college students who are parents, because when > you help a parent with the supports they need to get an education, > including quality child care, you’re helping their kids, too through a > two-generation approach to learning. > > > > We’re going to work with historically black colleges and universities, > because they serve some of America’s brightest students, who need the most > support and too often have gotten the least of it. And we’re going to help > pay for college for students who agree to national service. If you’re > willing to tutor America’s kids or clean up our parks, the least we can do > is support your education. > > > > *Our second big goal is to make sure that debt won’t hold anyone back. * > > > > For the millions of Americans who already have student debt, my plan will > give you the chance to refinance at lower interest rates. If you can > refinance your mortgage or your car loan, you should be able to refinance > your student loan. It’s just wrong that people are locked into college > loans at 8, 9, even 10 percent. > > > > If you do still end up taking out a loan – for example, to go to a private > college or graduate school– we’ll cut your interest rates, so the > government never makes a profit off your loan. > > > > We’ll make it easier to enroll in income-based repayment programs, so > you’ll never have to pay more than 10 percent of what you make. > > > > We’re going to help borrowers who are in default get back on their feet. > And we’ll crack down on predatory schools and lenders and bill collectors. > If you defraud students, overcharge veterans, or mislead borrowers, we’re > going to do everything we can to stop you. > > > > There’s a lot more in my College Compact – from encouraging innovations > like online learning and apprenticeships, so students can earn their degree > in less time and move straight into a job, and can refresh their skills > throughout their lifetimes … to strengthening the G.I. Bill, so more of our > veterans can get their degree... to making sure colleges spending federal > dollars on things that benefit students, like teaching and research – not > marketing campaigns or big salaries for administrators. > > > > I plan to make college affordability a major issue in this campaign – > because it’s a major issue for millions of American families. Here’s the > bottom line. An education shouldn’t be something just for those at the > top. And it shouldn't be a burden. An education should be affordable – > and available – to everyone. > > > > I remember how proud my parents were when I graduated college. I remember > how proud Bill and I were to see Chelsea graduate – I’ll never forget how > grown-up she looked that day. And even though my new granddaughter is > already growing up faster than I’d like, I can’t wait to see her walk > across a stage someday and receive her diploma. And I know that mothers and > fathers and grandparents across the country feel the exact same way. > > > > I want every young person in America to have their shot at that moment. I > want every hard-working parent out there to get the chance to see his or > her child cross a stage – or to cross it themselves. America should be a > place where those achievements are possible for anyone who’s willing to > work hard to do their part. That’s the country I want to help build – for > this generation and all the generations to come. > > > > Thank you very much. And now, let’s hear from you. > > > > > > On Sat, Aug 8, 2015 at 11:37 AM, Katie Connolly <[email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>> wrote: > > Hi all, > > > > Just wanted to toss out another idea to tie the fifth graf – where she > introduces the topic – a little more to the overall campaign themes/vision. > Just an idea – let me know what you think. > > > > CURRENT 4TH GRAF: We’ve got to do better. We’ve got to get incomes > rising again, so more hard-working families can afford a middle-class > life. We need strong growth… fair growth… and long-term growth. *That’s* > how we’ll achieve lasting prosperity – by building an economy that we > *all* have a stake in, and that works for *everyone* > > > > SUGGESTED ADDITION: If we can do that, we’ll make being middle class mean > something real and important again. If we can do that, we'll restore the > middle class as a place where aspiration thrives, instead of a place where, > too often, dreams are dashed because opportunity is out of reach. And we > can start by putting one of the most important opportunities – the shot at > a high quality college education – back into the hands of everyone who > wants to work for it. Today, I’m announcing my plan to make *college > affordable and available to every American.* > > > > Then continue on with the speech. > > > > Thanks, > > Katie > > > > > > > > *From:* Joel Benenson > *Sent:* Saturday, August 08, 2015 11:37 AM > *To:* Jim Margolis > *Cc:* Katie Connolly; Mandy Grunwald; [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>; > [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>; > [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');> > > > *Subject:* Re: REVISED DRAFT: college rollout > > > > Good with that > > Sent from my iPad > > > On Aug 8, 2015, at 10:53 AM, Margolis, Jim <[email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>> wrote: > > our emails crossed. this is exactly my point. thanks katie > ------------------------------ > > *From:* Katie Connolly [[email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>] > *Sent:* Saturday, August 08, 2015 10:49 AM > *To:* Joel Benenson; Margolis, Jim > *Cc:* Mandy Grunwald; [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>; > [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>; > [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');> > *Subject:* RE: REVISED DRAFT: college rollout > > One thing I like about Jim’s though is that it does include a direct > reference to getting rid of “decades of debt”, which is the central pain > point people are feeling. I believe that the takeaway/quotable grafs have > to invoke debt because that’s the way we connect what she is doing directly > back to their lives. > > > > Maybe it’s as simple as: *It’s time for a new college compact, > where everyone does their part. We need to make a quality > education affordable and available to everyone willing to work for it – > without saddling them with decades of debt.* > > > > > > > > *From:* Joel Benenson > *Sent:* Saturday, August 08, 2015 10:36 AM > *To:* Jim Margolis > *Cc:* Mandy Grunwald; [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>; > [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>; > [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>; Katie > Connolly > *Subject:* Re: REVISED DRAFT: college rollout > > > > I think Jim's expansion risks sounding like an entitlement program too > much. > > > > I think we have to make our language true to the core of her plan and who > she is in demanding responsibility and accountability from everyone > participating and wanting to participate in the college system. > > > > I don't think it's bad at all to say where Everyone does their part. > > Compact works because it demands things from multiple place and echoing > language of basic bargain still feels right here. > > And this isn't an entitlement so I think the affordable for everyone > willing to work for it gets at responsibility - which I think is a > substantive difference implicitly with Sanders and pushing against "free". > > > > > > > > Sent from my iPhone > > > On Aug 8, 2015, at 9:36 AM, Margolis, Jim <[email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>> wrote: > > Megan/Ann: > > Sorry, I did one more read through. I’m a little worried the take-away > bite in the text doesn’t do enough for us. > > (current) *It’s time for a new college compact, where everyone does their > part. We need to make a quality education affordable and available to > everyone willing to work for it.* > > > > Maybe something more like this: > > *It’**s time for a new college compact that allows everyone to get ahead > by getting a college degree — a degree that doesn’t come with decades of > debt but rather a quality education that’s finally affordable and available > to every family in America. That*’*s** the way forward.* > > > > *From: *'Mandy Grunwald' via Speech Drafts < > [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>> > *Reply-To: *Mandy Grunwald <[email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>> > *Date: *Saturday, August 8, 2015 at 9:05 AM > *To: *Joel Benenson <[email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>>, Ann O'Leary < > [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>> > *Cc: *"[email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>" < > [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>>, " > [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>" < > [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>>, Katie > Connolly <[email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>> > *Subject: *Re: REVISED DRAFT: college rollout > > > > I like Ann's additions too but I have some concerns about the policy > description in our first point. > > > > Ann or Megan, could one of you please call me on my cell? > > > > 202 669-2899 > > > > thanks > > *Mandy Grunwald* > > *Grunwald Communications* > > *202 973-9400 <202%20973-9400>* > > > > -----Original Message----- > From: Joel Benenson <[email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>> > To: Ann O'Leary <[email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>> > Cc: Megan Rooney <[email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>>; Speech > Drafts <[email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>>; Katie > Connolly <[email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>> > Sent: Sat, Aug 8, 2015 7:18 am > Subject: Re: REVISED DRAFT: college rollout > > Like the adds Ann has made. > > Sent from my iPhone > > > On Aug 8, 2015, at 2:10 AM, Ann O'Leary < [email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>> wrote: > > This is really good, Megan. I've offered a few suggestions to make sure > we are a bit stronger on accountability, we lead with our promise to > families and students when we describe our compact, and we highlight > innovation and on-line learning a bit more. > > > > Thanks to Mandy and Joel - agree their framing and feedback was very > helpful - I tried not to wonk it up, just refined at the edges. > > > > On Fri, Aug 7, 2015 at 4:46 PM, Megan Rooney <[email protected] > <javascript:_e(%7B%7D,'cvml','[email protected]');>> wrote: > > Hi all! Attached is a revised draft for Monday’s college rollout event in > NH. You’ll see it’s a lot leaner and meaner than the draft I sent around > this morning. I spent a really helpful hour-plus on the phone with Mandy > and Joel and they had great guidance. > > > > If you could get me any edits by noon tomorrow, I’d appreciate it. Thanks! > > > > ** > > > > *HILLARY RODHAM CLINTON* > > *REMARKS ON COLLEGE AFFORDABILITY AND STUDENT DEBT* > > *EXETER, NEW HAMPSHIRE* > > *MONDAY, AUGUST 10, 2015* > > > > It’s wonderful to be back in Exeter. Thank you, Danny, for that > introduction. And thank you all for coming out today. I’ve been traveling > all over New Hampshire, and everywhere I go – from Dover to Nashua to Glen > to Windham – people ask great questions. It must come from being the first > primary state. So today, I want to talk for just a little bit, and then I > want to hear what’s on your mind. > > > > This election is about the choices we have to make as a country, and how > they’ll shape our children’s and grandchildren’s futures. I believe that, > in America, if you work hard and do your part, you should be able to get > ahead and stay ahead. That’s the basic bargain that’s always set our > nation apart. And I want to make sure we keep that bargain and strengthen > it, so it holds true for this generation and the next. > > > > Thanks to your hard work – and the hard work of people across the country > – America has come back from the worst recession of our lifetimes. We’re > standing again. But we’re not yet running the way we should. Corporate > profits are near record highs – but most paychecks have barely budged. > Costs for everything from childcare to prescription drugs are rising faster > than wages. It’s no wonder so many Americans feel like the deck is stacked > in favor of those at the top. > > > > We’ve got to do better. We’ve got to get incomes rising again, so more > hard-working families can afford a middle-class life. We need strong > growth… fair growth… and long-term growth. *That’s* how we’ll achieve > lasting prosperity – by building an economy that we *all* have a stake > in, and that works for *everyone*. > > > > Today, I want to talk about one way we do that: *by making college > affordable and available to every American.* > > > > For millions of Americans, a college degree has been the ticket to a > better life. My grandfather worked his entire life in a lace mill – but my > dad made it to college and was able to start his own small business, and > that made a huge difference in our lives. Then my parents scrimped and > saved for years, so they could send me to a school across the country. > They knew that they were setting me on the path to a better future. > College still holds that promise today. A lot has changed in this country > – but that hasn’t. > > > > Across America, parents are starting college funds the day their kids are > born. High-schoolers – even middle-schoolers – are taking college prep > courses and studying for the SAT. Full-time workers are going to night > school, even if that means heading straight from an eight-hour shift to a > pile of homework. If that’s what it takes to get a better job – to give > their kids better than they had – then they’ll do it. > > > > But here’s the problem. States are slashing education budgets. Colleges > keep raising prices. In-state tuition and fees for public colleges > increased by *55 percent *between 2003 and 2012. But your incomes didn’t > rise by that much, did they? So families are left facing a painful > choice. Either you say, “We just can’t afford it,” and pass up on all the > opportunities that a degree can offer – or you do whatever it takes to pay > for it, even if that means going deeply into debt. > > > > And more and more, that debt is holding people back. Forty million > Americans have student loans. Together, they owe more than a trillion > dollars. New Hampshire’s students are carrying the highest debt in the > country. And millions of Americans are delinquent or in default. Even if > they’re doing everything they can to pay their loans, they just can’t keep > up. > > > > The cost of this debt is real – not just on balance sheets, but in > people’s lives and futures. I’ve talked to people who have so much student > debt, they’ve put off buying a house, changing jobs, starting a business – > even getting married. I’ve met parents and grandparents who’ve co-signed > loans and end up draining their savings or ruining their credit – all > because they did what parents and grandparents are supposed to do – help > out the next generation. > > > > There are students who take out loans to pay for an expensive degree from > a for-profit institution – then graduate and discover that, when it comes > to finding a job, their degree isn’t worth what they thought it would. > > > > And the 40 percent of students who never finish college are left with debt > and no degree to show for it – the worst of both worlds. And that > non-completion rate should trouble to all of us. It’s the highest in the > developed world. > > > > College is supposed to help people achieve their dreams. But more and > more, it’s pushing people’s dreams further out of reach. And that’s just > wrong. It’s a betrayal of everything college is supposed to represent – > and everything families have worked so hard to achieve. > > > > This is also about our national competitiveness. The rest of the world is > working as hard as they can to out-do us. China plans to double the number > of students enrolled in college by 2030, which means they’ll have nearly > 200 million college graduates. That’s more than our entire workforce! > American workers can out-work and out-innovate anyone in the world – as > long as they get the training and education they need to compete. > > > > So we need to make some big changes. We need to transform how much higher > education costs – and how those costs get paid. For too long, families > have had to bear the burden of soaring prices, underinvestment, and too > little accountability. > > > > *It’s time for a new college compact, where everyone does their part. We > need to make a quality education affordable and available to everyone > willing to work for it.* > > > > I’ve been traveling the country for months, talking to students and > families, educators, legislators, and experts of every stripe – including > young progressive activists who’ve put the issue of debt-free college and > college affordability at the top of the national agenda. > > > > And today, I’m announcing my plan to put college within reach for > everyone. We’re calling it the New College Compact. And we’re posting it > on our website, Facebook, Medium, Snapchat – just about everywhere we can > think of. I hope you’ll check it out. But for now, here are the basics. > > > > Under the New College Compact, schools will have to control their costs > and show more accountability to their students. > > > > States will have to meet their obligation to invest in higher education. > > > > The federal government will never profit off student loans. > > > > No family – and no student – should have to borrow to pay tuition at a > public college. > > > > And everyone who has student debt will be able to refinance it at lower > rates. > > > > That’s my plan. It’s ambitious – and we should be ambitious. But it’s > also achievable. And it would make a big difference in people’s lives. > > > > My College Compact comes down to two main goals. > > > > *First, we’ll make sure that cost won’t be a barrier. * > > > > Under my plan, you’ll never have to take out a loan to pay for tuition at > an in-state public university. We’re going to make community college free > – that’s President Obama’s plan and we’re making it ours too. We’re > reforming Pell Grants, so students can use them for living costs as well as > tuition. We’re offering special help to college students who are parents, > because when you help a parent get an education, you’re helping their kids, > too. > > > > We’re going to work with historically black colleges and universities, > because they serve some of America’s brightest students, who need the most > support and too often have gotten the least of it. And we’re going to help > pay for college for students who agree to national service. If you’re > willing to tutor America’s kids or clean up our parks, the least we can do > is support your education. > > > > *And second, we’ll make sure that debt won’t hold anyone back. * > > > > Under my plan, every borrower in America who already has student debt will > get the chance to refinance at lower interest rates. If you can refinance > your mortgage or your car loan, you should be able to refinance your > student loan. > > > > If you do still end up taking out a loan – for example, to go to a private > college – we’ll cut your interest rates, so the government never makes a > profit off your loan. > > > > We’ll make it easier to enroll in income-based repayment programs, so > you’ll never have to pay more than 10 percent of what you make. > > > > We’re going to help borrowers who are in default get back on their feet. > And we’ll crack down on predatory schools and lenders and bill collectors. > If you defraud students, overcharge veterans, or mislead borrowers, we’re > going to do everything we can to stop you. > > > > There’s a lot more in my College Compact – from encouraging innovations > like online learning and apprenticeships, so students can earn their degree > in less time and move straight into a job… to strengthening the G.I. Bill, > so more of our veterans can get their degree... to making sure colleges > spending federal dollars on things that benefit students, like teaching and > research – not marketing campaigns or big salaries for administrators. > > > > I plan to make college affordability a major issue in this campaign – > because it’s a major issue for millions of American families. Here’s the > bottom line. An education shouldn’t be something just for those at the > top. And it shouldn't be a burden. An education should be affordable – > and available – to everyone. > > > > I remember how proud my parents were when I graduated college. I remember > how proud Bill and I were to see Chelsea graduate – I’ll never forget how > grown-up she looked that day. And even though my new granddaughter is > already growing up faster than I’d like, I can’t wait to see her walk > across a stage someday and receive her diploma. And I know that mothers and > fathers and grandparents across the country feel the exact same way. > > > > I want every young person in America to have their shot at that moment. I > want every hard-working parent out there to get the chance to see his or > her child cross a stage – or to cross it themselves. America should be a > place where those achievements are possible for anyone who’s willing to > work hard to do their part. That’s the country I want to help build – for > this generation and all the generations to come. > > > > Thank you very much. And now, let’s hear from you. > > > > > > > > -- > > Ann O'Leary > > Senior Policy Advisor > > Hillary for America > > Cell: 510-717-5518 > > <8-7-15 draft NH college town hall 730pm - AOL.docx> > > > > This email is intended only for the named addressee. It may contain > information that is confidential/private, legally privileged, or > copyright-protected, and you should handle it accordingly. If you are not > the intended recipient, you do not have legal rights to retain, copy, or > distribute this email or its contents, and should promptly delete the email > and all electronic copies in your system; do not retain copies in any > media. If you have received this email in error, please notify the sender > promptly. Thank you. > > > > > > -- > > Ann O'Leary > > Senior Policy Advisor > > Hillary for America > > Cell: 510-717-5518 >