Rn. She is 38 years old. Her Interest Rate is 8. 5 interest from the government. Why is the Interest Rate so high on these Student Loans . Guest it is not high relative to what they would be paying from a private lender. It is a subsidized rate. There is a new innovation in the student loan market when they with private lenders. Host linda, what is your situation . Caller my husband has Student Loans. There are so many things being said that are not true. We started out with 31,000 in Student Loan Debt after having them since 2000, we are down to 54,000. We have been making a 340 payment for the last four years and only seen our balance go up. We are on the income or tengion payment plan. To say this we are on the income retention payment plan. We are battling with a student loan provider where it says in the contingent plan, it is capped at 10 of the original loan value. They had added an added and keep trying to say that is the way it goes. After 25 years, you say the loan is forgiven, it is not. You are turned around and taxed on it. Can you imagine paying taxes on 54,000 . Guest she is highlighting a problem. Borrowers will receive a tax bill if there is not congressional action to change that. As soon as those forgiveness start being made, we are going to see quick action by congress. Host jack, what would you like to ask or say . Caller what effect is bringing in foreigners under visa programs having on americans student loan holders . Guest these rules for immigration are intended to support economic growth. It is good for the economy and good for people having jobs, making larger incomes. Host fran, quincy, massachusetts. Caller i have a alone and was thinking ongoing on the incomebased program, which was supposed to be 20 years. There would be a chance of having to pay and being taxed. You said the forgiveness part is iffy. I think that is something people need to know. These service lenders try to convince you it is a great deal, but they do not go to the asked her where it is up in the air. He said congress is going to try to pass a bill that you do not have to forgive. Guest the forgiveness provision is not iffy. It is part of legislation. People who are participating in these loans will have their debts forgiven. The question of the tax bill what happens when the loan is forgiven, it counts as income to the borrower. Talking about getting a tax bill, it is going to be a tax bill on the piece of income that comes in the form of loan forgiveness. We have not gotten to the point where a lot of people are collecting on the forgiveness piece. What i imagine this is just a gamble, we are going to get to that time and there will be too much pressure for congress not to alleviate the tax burdens. Host the house has a head education the house has an education agenda, reauthorizing the elementary and secondary education act. You can watch it live here on cspan. Lynn, oregon, good morning. Caller there was a time in this country when education was practically free. You had to buy your books and pay for lodging. Our founding fathers, thomas jefferson, on his headstone is not all of his legislative accomplishments. Come on, why cant we go back to what we had before . It is an investment in our future. These students are so far in debt, they do not want to start families. Host mike, lebanon, new jersey. Share your situation. Caller i am one of those people from middleclass families who would not qualify for subsidized loans. We have to pay the full price of 7. 8 or 7 . This is the middle class. It does not have wage labor increases in 15 years. They pay the taxes. They are in the financial void and why is it that this scam of charging 7 to the middle class, who are the ones who need it, they have no disposable money every money spent goes to operating costs as a family. They pay 7 when Interest Rates are 1 or 1. 5 in the bank. This scam it is a myth about who subsidizes these loans. It is the middle class. 7 , we subsidize, not the government. It is unfair and the first stars should be to drop the Interest Rates in half, at least to 3 so these kids can have a chance. Host Interest Rates hurting the middle class. Guest there is something to what he is saying. You see that when you get into the middle class. A lot of people suggest we need to expand programs into a higher income category and that may be true. The Interest Rate question, folks would benefit from lower Interest Rates, but at a cost. Host joseph, california. Caller i have a good idea. Look at it like this pay for the instructor cut everybody else off. And pay everybody else as you need them. College does not cost that much. Guest i wish that was the case that college was just chalk boards and talk. Chalk boards and chalk. I tried to encourage policymakers and students like to think about how to get the degree at a lower cost, maybe through Community College or being sensitive to the sticker price. I think we see tuition on an upward trajectory. That is going to continue to drive it in time. We see more borrowers getting degrees who were not getting degrees in years past. Host our guest was educated at suny and has a phd from columbia. She is now with brookings. Paul is on the line from cleveland. Caller how are you doing . Host good, how are you . Caller good. Why did sally may turn their loans over to this company . It seems like they are in a foreign country. My other question is, what is up with these other numbers that call you and say you can get your loan reduce store forgiven. What is up with that . Guest the first question, you are talking about sallie mae handing their loans over. What is happening there is something that happens over and over. The servicing of loans is being transferred from one company to another. That disrupts the service that borrowers face during repayment. That is probably a concern. I think one of the messages we have been getting over and over is we need to pay more attention to the service borrowers are getting during repayment periods on their loans. Host does it pay significant role in the credit score . Guest it does. The credit score and the agencies have proprietary algorithms for credit score. It is fundamentally different. Host dave, westminster maryland. Caller i am watching us. I am 71 years old. My wife is 71. We work part time. I hear these people crying about paying them back. If you dont think you can pay the loan back, dont take the loan out. No one is going to come by my house and drop 54 thousand dollars on me. It is upsetting to see these people stand up on your own feet. On the living, pay your loans. We pay our debts all the time. We got our dollar our daughter through college. Everybody is paying for this stuff. Pay for your own education. If you make a mistake, i am sorry. Pay your loans back. Host it reminds me of an earlier caller who said she was young when she signed up for a loan and did not know what she was getting into. What do you say to that . Guest people make mistakes and sometimes the mistakes are really no fault of their own. Maybe it is because they are young or the institution they attended did a disservice to them. Formulating the policy correctly has to be a balancing act between recognizing there are times when safety nets are necessary and recognizing individual responsibility enables the system to be efficient and effective. Host robert, imperial, pennsylvania. Caller i need dos and donts on getting loans. My son is going to George Washington this year. Starting in the fall. I am retired, my wife works and we are blind. We do not know where to go. Thank you. Guest the fact that you are asking the question is a good sign. Some Research Shows that students, when you ask them in their first year of college they do not know how much they are borrowing. The point is to do your homework , whatever that looks like to you, make sure your student understands how much they are borrowing and that borrowing means they will pay it back in the future. A lot of borrowers do not recognize that loans are different from glance. Making sure that your student understands the mechanics of what is happening is critical. Host michael, d. C. Caller she went into the tenure forgiveness, but she did not go to details about the twentyyear forgiveness. Guest it is the standard in the payasyougo. 10 years is the sorter the shorter duration. Host our guest is beth akers. Talking about Student Loans, specifically the pay as you earn program. Where can people find out more about that type of loan . Guest tomorrow representative walter jones purpose cash debates the authorization of military force. Then representative Sheila Jackson lee on immigration. Blake ellis and talking about state and local Government Debt collection practices. And your phone calls facebook posts, and tweets. As evening falls on capitol hill, just a short while ago for the fourth time in the senate they fail to move forward on the Homeland Security spending measure with a shortterm spending measures had to run out on monday, they needed 60 votes to move forward. Dean heller was the loan out right gop no. Mitch mcconnell switched to know. Tweets from senators rand paul. He tweets republicans in the senate are racing intense pressure from media insiders to just pass something and move on. They senate still in session and you can follow the senate on cspan [applause] cspan2. President obama spoke to the nations governors who were in town for their annual meeting. We will show you all his comments tonight here at 8 p. M. Eastern. Tonight, Waste Industry executives at the Consumer Electronics show in las vegas. Talking about their companies in the technology in which the internet, mobile phones, and the cloud operate. We talk about the Network Society and that is a society where everything that can benefit from having a connection would actually have one. We put a Vision Forward in 2009 in barcelona in the trade show going on there with the 50 billion connected devices in the air 2020 which has caught on very well and that opened many peoples minds that the mobile industry is not limited to the smart phone devices that we carry around personally. It is a Great Technology to connect so many other things and to build a Better Society based on those kinds of technologies. The internet started with this thing that people needed to dialogue to get connections. We brought the internet to we in every device. The next thing is taking it from all these mobile devices to information and connecting not just people that things with people. Information with people and processes with people and things so we can create a whole internet of everything. We are in the early stages. Tonight at 8 p. M. Eastern on the communicators on cspan2. Interior secretary sally jewell speaks on the interior Department Budget request. It implements the action plan. Live coverage of the hearing at 10 a. M. Eastern on cspan. The president s task force on 21st Century Policing held its Second Public meeting in washington. The task force was established by executive order following the controversial ferguson, missouri deadly release shooting of unarmed teenager michael brown. The panel seeks to improve the relationship between Law Enforcement and the communities they serve. This is an hour and 40 minutes. Good morning. Sorry we have to in the music but we are getting ready to get started. Let me start by saying good morning. This is listening session number six and we will focus on safety. Let me give you a background of the task force. The president announced his intent he his intent to create a plat a task force. Building trust between the police and local communities particularly communities of color where there is a history of relationships but also to come up with not only Building Trust but ensure we keep the Crime Reduction we have been achieving over the last 20 or 30 years. The president also announced two cochairs to lead this task force. Professor Laurie Robinson and for those who recognize professor robinson you probably recognize her because she is the former assistant attorney general for the office of Justice Programs in this administration with president obama and to the administration was president clinton. And to her left is charles ramsey, Philadelphia Police commissioner. He has been commissioner for six years and also has time in chicago. They will both introduce themselves. The way we will go through today as we will have a series of panels of experts that will provide testimony to the task force and at that testimony it will be considered by the task force and it goes into deliberations. Let me save this for the witnesses. Say this for the witnesses. We are going to have several witnesses come in through skype because of some of the weather conditions despite humans efforts to get here, some flights were canceled and some people could not make it. To show you the level of commitment they have, not only did they try to get here and maneuver on any plane they could, some were able to do it and some just a click could not but they agreed to still participate and so we wont we will take twice First Century technology 21st Century Technology to talk about 21st Century Policing. We do want to thank them for their effort to get here and please do not read into anything other than the fact that Mother Nature has spoken and we have to respond. With that i do want to the cochairs of to lead us and introduce us to the Outstanding Task force members so i will turn it over to the cochairs. Thank you very much and before proceeding further, i do want to thank ron davis and the terrific staff of the cops office for all of their support through the task forces work. They have been terrific, and really want to recognize all of their assistance. I am lori robinson, as ron said, a professor at george mason university, formerly with the department of justice. And it has been a distinct honor to cochair the task force. The president gave us a clear mission. He gave us 90 days in which to get the job done. He asked us for very practical recommendations and gave us direction to come back with a very distinct and clear path that can be recommendations that can be implemented. Ron davis laid out the fact that weve already had six listing sessions and we are now on our last two hearings, today and tomorrow. The subject of our hearing today on officer safety and wellness is very much one of interest not only to those who are gathered here today asknd watching us around the country but to so many working in this field and to communities around this country. I look forward to hearing from our witnesses today. We have a wonderful panel here and those succeeding them. I also want to recognize the fact that one of my students from george mason is here with us. I know others are going to be joining us later today. Im very pleased at the number of people who have come to our listening sessions and who have been watching us through the streaming of these sessions. Ive had many comments from people who have watched our hearings, and i think that reflects the interest from communities around the country in the subject matter of these hearings. With that, let me turn to my distinguished cochair, charles ramsey. Thank you, lori, and welcome, everyone. Its good to be with you here again. Lori has already described how the task force came about and what our charge is, so i wont repeat that, but it is truly a pleasure to be here with all of you today, and i look forward to listening to all of the testimony that will be presented. My name is chuck ramsey. Im currently the Police Commissioner in philadelphia pennsylvania. Ive served in that capacity now for seven years. Prior to that, i was the district of Columbia Police chief for nearly nine years, and i began my career in chicago im a native chicagoan and began my career in the Chicago Police department, spending nearly 30 years in that department. So ive been in Law Enforcement for quite some time. Before i introduce or allow the other panelists or Task Force Members to introduce themselves, we do have two that are not physically with us here today. Connie rice will be joining us Via Conference Call throughout the session today, and Brian Stevenson is on travel. He is going to join us later this evening. Hes coming in all the way from australia, and obviously you can imagine if you had trouble flying across the United States, try to trying to get back from australia would really prove a bit challenging. So he wasnt able to make it on time for this session, but he is going to be here later on today, were told. So with that, let me begin having our Task Force Members introduce themselves. Were going to start with dr. Cedric alexander to my far right. Good morning. Can you hear me . Ok. Good morning. Anyway, im Cedric Alexander. Im currently a Public Safety director in caffe county georgia. I also serve on the black noble executives. My career started in 1977. I subsequently went to Miamidade Police department where i originally finished my career and decided to go back to school and get a doctorate in