In order to fulfill my dream to teach online college courses as my next career - I began my BA journey in November 2008. By the end of this year I will have both a BA in Organizational Management and a MAEd in Higher Education. Did I mention I'll have graduated with both degrees Summa Cum Laude? Did I mention I'll be 60 years old when I receive my MAEd? Instead of being able to thrive and survive in a new teaching career in 2014 - I'll be burdened with student loan payments with 6+% rates. The government moved heaven and earth to save the banking industry because they messed up the first American Dream: buying a home. Now we have to collaborate to rescue the second American dream: a college education. We're not asking to wipe out the rating for us - we're asking for a financial repayment interest rate lock so we have a fair chance to clear our rating while sustaining our lifestyle - not sacrificing everything we've worked so hard to build.