Congress is taking some stabs at rewriting the Higher Education Act, which governs student loans and all of this stuff. But given the way Congress has been on priorities that are arguably more urgent or more important to Republicans controlling Congress, I personally am not particularly optimistic that anything on that law will get done this year. And even if that were to happen, it certainly wouldn't necessarily include any kind of servicing overhaul. So where does that leave students? Is college or grad school even a good idea anymore? That's in just a minute.