living well, diet, fitness, it's all available online anytime at cnn.com/health. questions answered there. and center stage sunday, the house voted to make washington the top shop for cheap student loans. while boofrting funding for need-based scholar 147s. direct government to students expanded. fees to banks acting as the middle man eliminated saving the government a lot of money, and some of that money saved used to increase pell grants up to $5,900 by 2017. and we've got a lot more ahead this morning. five steps to saving $500, plus by unorganized paperwork is costing you big time and what you can do about it. up next it is tax time. how do avoid paying taxes. that's right. without breaking the law. that's coming up.