I will conclude my remarks because I see the Senator from Mississippi is here. Of course I will be glad to work with the Senator from Wisconsin. The fact is, 2 years ago we agreed to end the program. The graduate loans ended last year, and the undergraduate loans end this year. Everybody was told about it. Every student who wants a loan can get a direct student loan from the government at a lower rate, with better repayment programs and better payment provisions than the Perkins loan. So no one is losing a loan, and everyone can get a better loan if they apply for a direct loan. We do need a simpler program, and we need to simplify the application process for applying for the loans and grants and for paying them off. I thank the Presiding Officer. I yield the floor. The PRESIDING OFFICER. The Senator from Mississippi.
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