Any cut to Pell Grants means low-income must take out additional loans or work longer hours - risk factors that increase their odds of dropping out of school.

The rising costs of higher education coupled with the stress of paying student loans are putting increasing pressure on students.

Students graduating with high debt encounter difficulties in qualifying for home and automobile loans.

They had the risk factors.

We have home repair loans available to very low income families. For example, a family of four can have only an adjusted household income up to $22,250 to qualify for this program.

Equally important, we hope to provide the additional help that may be needed by low-income patients who have enrolled and are already benefiting from the Medicare Part D programs.