If you are following this plan through, you already know the difference between a need and a want.
Remember this is a family budget, so make sure you think through all the members of your family.
Medical expenses, we all have these too, hard to plan for, but they happen, so put it in there. Prescriptions, and over the counter medications go here, again, things happen, and you should plan for it.
OK, so now you have documented all of your income and expenses, make sure it includes the whole family, if you have other income earners that participate in the family budget. Hillary Clinton debt-free college plan: The Democrats have one big, bold idea to make college cheaper.
There is a long and complicated list of reasons why Washington has failed to make higher education more affordable over the years.

This, more or less, was the basic outline of President Obama's plan for free community college, which he unveiled right before the State of the Union. Clinton's plan is studded with other proposals that, on their own, are smart, ambitious, and in some cases controversial.
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That's not the same as saying students would graduate debt-free, since many undergrads borrow heavily to cover living expenses.
To discourage schools from loading students with too much debt, for instance, she would fine institutions whose graduates can't pay back their loans, a currently bipartisan idea known as "skin-in-the-game" that would make much of the higher-ed world howl in protest. These sorts of ideas could do a lot of good outside of Clinton's comprehensive plan (some more than others).
Meanwhile, families of bachelor's degree seekers would still be expected to pay a reasonable amount toward their children's education while students would need to work 10 hours a week to make the math work.

But again, what makes Clinton's idea worth getting excited about isn't the laundry list of decent to great policy proposals it offers.
And no matter how much more aid it has handed out to families, the price of tuition has risen faster. She would massively simplify the Department of Education's income-based repayment programs, which cap what student debtors have to pay each month as a percentage of their paycheck and forgive the balance after a period of time, and make the new version open to all borrowers. And taking a page from Elizabeth Warren, Clinton would also look to lower student loan interest rates and let borrowers with older debt refinance.
Of course, as long as Republicans hold onto a chamber of Congress, this particular vision of how to fix our student debt problem, with its large new batch of government spending, won't make it through Capitol Hill.

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