 You can't just you know take away student debt and then and they're not filling with some alternative provide people with some Some way to finance education. It's still a costly endeavor And so we tend to think about children savings accounts as one potential way to help In the long term to to resolve the problem have people start saving early now We understand that low-income people save small amounts of money, but this is about effort and ability as well It's about our American value system that people are investing that they have some attachment to to paying for college But then we think about things like Maybe using a Pell Grant and putting it into those accounts early on think about our scholarship programs If we think about savings and we protect savings as something that can be used for college and other asset building types of things Can we put that scholarship money into an account early on let that person leverage it? And so we have to rethink not only Student debt problem, but how do we think about financial aid if it's part of our economic mobility system? Then might we dump some of this money into these accounts early on so that kids can see and feel and touch and Begin to prepare better because they see some hope in the future They they have some investment in them that they tend to be can hold children savings accounts are understood as progressively finance tools that facilitate educational outcomes for children universally ideally and I think there's a lot of momentum in that field in part Opened by the concerns around student debt. I mean not entirely policymakers returning to children savings accounts to address concerns about educational attainment and the Persistent achievement gap, but there's also as there's growing concern about just handily how we finance college more interest in Given the price of college and how is really mentioning it's impossible to pay for it with the summer of work But how might we help families do that throughout the lifespan of their child so places like Maine where a foundation opens an account for every child born and made resident and seeds that account with $500 So that you're not only helping families build assets over that child's lifespan, but you're also Really cultivating an identity as someone who stays for college has a strategy for how they're going to make college actually Feasible and then plants that idea with a child that higher education is going to be a potential path Different programs around the country use different models and have different features You know Nevada opens accounts with smaller Initial deposits the city of San Francisco opened an account for every kindergartner in the public education system And we're seeing communities like Boston planning to start a program Other New England states have adopted legislation in this year and we'll be rolling out initiatives I think a growing sense that we need Financing mechanisms for higher education that are consistent with the Responsibility with which we have invested our education system Which is to be a really viable ladder to make the American dream within the grasp of every child