These banks are taking on new forms of risk

making sure that borrowers who currently have that debt can afford their monthly payments is a huge priority.

The only thing I would add to what you say is that young people do everything they are supposed to do.

But, Mr. Secretary, what has been the consequence of your having imposed these, as you put them, costs on size? We have watched over the last 5 years the largest financial institutions have gotten substantially larger.

But as we talk about the impact on the overall economy, there is a question about whether this weak labor force participation and low wage jobs is cause or effect or if it is both.

Incentivizing States to up the investment they make and hold down college tuition is another big opportunity.

So let us talk then, let us just connect it up a little bit. To the extent you have got high student loan debt loads and those students are paying high interest rates on those loans, is the Government exacerbating the problem?

if a generation of young Americans is launching their careers later, facing lower wages, and struggling to keep up with student debt payments, what is the impact on the economy as a whole?

Obviously, protecting Pell grants is a core foundation of Federal financial aid.

Now if that report confirms that too-big-to-fail is still a serious problem, will the Department rethink its opposition and support taking steps directly to reign in the size of the biggest financial institutions?

We can bring down the interest rate on student loans, put more money into students' pockets.

It seems like we are playing a game of Whack-A-Mole. As we address some sources of risk, others start popping up.