Than $332,000 a year -- 32,000 a year, they only have to pay a penny. the biden administration itself has estimated it would save the average student about $1,000 a year. students who attend public colleges, $2,000 a year, so that would be $40,000 over the term of these plan ifs. now, that's actually more than the biden student cantlation which was $10,000-20,000, so this is a much bigger scale. paul: so it's a sort of debt forgiveness on the installment plan as opposed to one fell swoop. >> that's right. and what makes it even worse is taxpayers won't even see the cost because it actually doe...