paying off law school debt. so i think there has to be real thinking and you think, alex, about the time we're in. you know, this is a time of pandemic. this is a time when we need to rethink what security means. and what better than investing in education, investing in mobility and investing in fairness. you know, the fact that we got defense budgets to the wazoo, you know, but it's just a kind of misallocation. so i do think biden has a possibility here and it's critical that it can move without the gridlocked congress. you don't need to do the filibuster for this. he has executive authority. >> one last question. i'm going to pick up on the word fairness here. it shows this is yet another area where african americans are disproportionately impacted. four years after graduation, almost half of all black students owe an average of 12.5% more than they borrowed, carrying an average of $52,000 in debt. let's compare that to the 83% of white students who repay 12% of