Last night, I heard the president say that he would like to see no college-loan payment be more than 10 percent of the student’s salary. And that no loan should take more than 20 years to pay back, 10 if the student enters public service.

I am wondering: Who will pay the remainder of these loans, and who is going to pay for the salaries and benefits of the massive (as I am sure the president hopes) influx of public servants?

Oh yeah, me.

I hope that this, like everything else the president says, is just hot air, no actions required.

Tom Christie

Stirling, N.J.