College education is needed for getting good jobs in this 21st century. However, a 4-year college degree is a very expensive, and sometimes too expensive, for most students and their families. As a Delegate, Dr. Jay, passed a bill that allows any orphan or foster care recipient to have his/her college loans waived over a period of 10-years. As a Congressman, Dr. Jay would support utilizing a combination of tax incentives, expanded Pell Grants and a streamlined loan application process, to make college education more affordable and tear down the barriers that are contributing to our nation’s increasing income inequality and hurting our economic growth by helping students from low and middle class working families obtain higher education.