TIME Hillary Clinton

Clinton Jokes About Email Investigation

Former Secretary of State Hillary Clinton joked about an email investigation when speaking to Iowa Democrats, dismissing it as just "politics."
Boston Globe Former Secretary of State Hillary Clinton joked about an email investigation when speaking to Iowa Democrats, dismissing it as just "politics."

Former Secretary of State Hillary Clinton joked about the ongoing investigation over her use of a private email server while at the State Department, telling a group of Iowa Democrats that the hubbub is just “politics.”

Speaking to about 2,000 Democrats at the Iowa Democratic Wing Ding at the historic Surf Ballroom in Clear Lake, Iowa, Clinton was defiant about the controversy and her use of the personal account, days after turning over her private server to the Justice Department. The agency is probing the handling of classified information on the server—with the U.S. intelligence community saying the account contained at least two emails that should have been labeled Sop Secret.

“You may have seen that I recently launched a Snapchat account,” Clinton said at the start of her 25-minute address. “I love it. I love it. Those messages disappear all by themselves.”

Later, reflecting on Republican attacks on her over the terrorist attack in Benghazi in 2012, Clinton referenced the ongoing investigation.

“You know what, it’s not about emails or servers either—it’s about politics,” Clinton said, her voice rising as the crowd of Democratic loyalists cheered. “I will do my part to provide transparency to Americans, that’s why I’m insisting 55,000 pages of my emails be published as soon as possible. I didn’t offer to answer questions for months before Congress. I just provided my server to the Justice Department. But here’s what I won’t do. I won’t get down in the mud with them. I won’t play politics with national security or dishonor the memory of those who we lost.”

“I won’t pretend that this is anything other than what it is: the same old partisans games we’ve seen so many times before,” Clinton added. “So I don’t care how many super PACs and Republicans pile on. I’ve been fighting for families and underdogs my entire life and I’m not going to start now.”

Read Next: Hillary Clinton’s Lawyer Readies for Email War

MONEY College

Hillary Clinton Promises More Aid for College Students With Kids

Hillary Clinton Campaigns In New Hampshire
Darren McCollester—Getty Images Hillary Clinton hosts a grassroots organizing event at McIntyre Ski Area August 10, 2015 in Manchester, New Hampshire.

The Democratic presidential candidate promised to dramatically increase funding for an existing child care program and create a new scholarship for students with children.

Democratic presidential candidate Hillary Clinton said on Friday that if elected she would dramatically expand a program that provides child care for college students with children, and to create a scholarship program for student parents.

Clinton announced the plan at a town hall meeting in Dubuque, Iowa, as she continued to highlight her platform to make college more affordable.

The proposal would increase funding from $15 million to $250 million for a federal program that provides matching funds to states and institutions for on-campus child care. Her campaign estimates it would create 250,000 additional spaces for the children of students.

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Clinton also said she would create a “SPARK College Scholarship” to help parents pay for their own higher education.

It would provide up to $1,500 per year to as many as one million student parents who achieve minimum grade levels and meet other requirements, the campaign said.

“Paying for college is driving more and more people farther from their dreams,” Clinton said in Dubuque.

Earlier this week, Clinton announced a plan to increase access to tuition grants, allow graduates to refinance existing loans at lower interest rates, streamline income-based repayment plans and police predatory lenders.

The program would cost an estimated $350 billion over 10 years and would be paid for by capping itemized tax deductions for the wealthy.

Clinton, the front-runner in the race to become the Democratic nominee for the November 2016 election, on Friday won the endorsement of the International Association of Machinists and Aerospace Workers. It was the second national union to give her the stamp of approval.

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TIME Hillary Clinton

Hillary Clinton Outlines College Plan for Students With Children

Hillary Clinton held a town meeting event at Exeter High School in Exeter, N.H. on Aug. 10, 2015.
Suzanne Kreiter—The Boston Globe/Getty Images Hillary Clinton held a town meeting event at Exeter High School in Exeter, N.H. on Aug. 10, 2015.

Former Secretary of State Hillary Clinton outlined plans Friday to make it easier for students with children to complete a college degree.

In a town hall in Dubuque, Iowa, the Democratic presidential candidate continued her week-long focus on college affordability, what she terms a “new college compact,” announcing she would seek to dramatically increase in federal funding for college child-care centers while creating a new grant program for such students.

“One out of every four post-secondary students in America is also raising a child,” Clinton said in Dubuque. “They need help, and I want to help these young people get their educations so that they and their children have a better life.”

According to Clinton’s campaign, her plan would boost funding for the Child Care Access Means Parents in School Program from $15 million to $250 million, which provides grants to campus-based childcare centers. She would also create a $1,500 grant for parents with children who meet certain academic targets called the, Student Parents in America Raising Kids program, which is modeled on a similar program Clinton created as First Lady of Arkansas.

Earlier this week, Clinton announced the broad outlines of the college plan, which she says would keep those attending public colleges and universities from needing to take out loans for their education.

According to her campaign, Clinton would pay for the proposal by closing tax loopholes for those with high incomes.

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TIME Hillary Clinton

Hillary Clinton’s Lawyer Readies for Email War

Hillary Rodham Clinton
Jae C. Hong—AP Democratic presidential candidate Hillary Rodham Clinton listens to a home care worker during a roundtable discussion on home care in Los Angeles on Aug. 6, 2015.

Longtime Hillary Clinton ally and lawyer David Kendall is a legal mastermind now entering a highly political arena

Born into a family of Quakers, David Kendall had a birthright claim to be a conscientious objector when the draft was instituted during the Vietnam War. But while he opposed the war, he couldn’t in good faith claim to be a pacifist, those who know him say. So as a student at Yale Law School at the time, he did two things instead: he dove into researching how the draft lottery worked, eventually co-writing a book on the subject, and he enlisted in ROTC, taking a commission as 2nd Lieutenant.

Kendall didn’t end up deploying overseas, but his experience with the draft is as good a place as any to begin understanding the man Hillary Clinton has turned to once again for legal help, this time defending her use of personal email as Secretary of State. Liberal, intellectual and relentlessly committed to the fight, the affable Kendall, who has known the Clintons since their time together at Yale and who defended Bill Clinton during his impeachment, is once again preparing to go to war, whether he has to or not.

Increasingly, it looks as if he will. This week, the Intelligence Community Inspector General told Congress that two of the emails that were stored on Clinton’s unclassified, private email server contain information that should have been classified at the highest level, Top Secret, because they were derived in part from secret overhead eavesdropping platforms like satellites or drones. The IG says there are hundreds of other emails containing classified information in the stash of 55,000 the State department is reviewing from Clinton’s server. Most threatening of all, the hard-headed investigators at the FBI are conducting an inquiry into how classified information made it into unclassified settings. This week, the FBI took possession of both Clinton’s server and thumb drives containing copies of the emails that Kendall had been holding for safekeeping.

For Clinton, the prohibitive favorite for the Democratic presidential nomination in 2016, the developments are a thicket of political, bureaucratic and legal challenges that threaten to stall her campaign and further damage her trust with voters. For Kendall, the challenge is to deliver his expertise in a context where legal fallout is only half the battle.

In one sense, Clinton and Kendall are well matched. Both excelled at law school and they sought out each others’ advice early in their careers. Kendall called her when he needed a contact in Arkansas, where she worked as a young attorney while Bill Clinton pursued politics. And she called Kendall when she needed advice from D.C., where he had joined Washington’s premier litigation firm, Williams and Connolly, after clerking for Supreme Court Justice Byron White and specializing in death penalty appeals at the NAACP Legal Defense Fund in New York.

It was when the Clintons arrived in Washington with the baggage of the Whitewater investigation that they really reconnected with Kendall, however, hiring him to defend them against accusations of improper business dealings. And when Clinton found himself needing to prepare for grand jury testimony in the Monica Lewinsky investigation four years later, it was Kendall who prepared him. “His job was to make sure there was never a criminal charge against the president,” says one member of Bill Clinton’s legal team, and “his preparation [of Clinton for the grand jury testimony] will go down as one of the best ever.”

Legally that is certainly true, but Clinton is dogged to this day by the aura of deceit that settled around his narrow, evasive, answers about his relationship with Lewinsky. “When you’re asked a question in a deposition,” Kendall said later as he defended the president’s narrow testimony in the Lewinsky case, “You ought to respond specifically to the question. You ought not, if asked your name, to give your name and address.” That discipline and control delivered Bill Clinton from the danger of a criminal charge and helped earned Kendall the highest praise from allies and opponents alike in the world of Washington litigation.

But the challenge Kendall faces in representing Hillary Clinton is that the context of her email scandal is not just legal. Her goal of becoming president, and indeed the hopes of the Democratic party for retaining the White House, are piggybacking on her defense in the email case. When it comes to matters unrelated to the law, Kendall is less well-versed. “His lack of being involved in the political process,” says the former member of Bill Clinton’s legal team, and the fact that “he’s never been in government,” are both challenges to his ability to advise Clinton.

On the legal issues relating to the handling of classified information, Kendall has recent experience. Kendall represented David Petraeus, the former CIA chief, who pleaded guilty in April to a misdemeanor charge of mishandling classified materials and was fined $100,000. The case resulted from Petraeus improperly sharing classified information with his biographer, Paula Broadwell. Kendall led the negotiations that produced the plea deal, which angered FBI agents who thought Petraeus had misled their investigation into the matter.

Hillary Clinton so far appears not to be in the same kind of trouble Petraeus got himself into. But the news that two of Clinton’s emails may contain Top Secret information makes Kendall’s legal defense more complicated. The presence of classified emails does not in itself mean Hillary Clinton broke the law, or even President Obama’s rules regarding the proper protection of classified materials. Generally speaking under the laws criminalizing misuse of classified information, one is guilty only if one “knowingly” removed and intentionally retained secrets improperly. None of the emails contains markings indicating they contained secret information, the Inspector General and other officials have repeatedly said.

But communications intercepted via satellite or other overhead collection means are so closely protected that they have their own law 18USC798, with even tighter rules and higher penalties. That law makes it a crime not just to knowingly mishandle such secrets, but also to use them “in any manner prejudicial to the safety or interest of the United States.” That in turn, says a senior intelligence official familiar with the case, means the FBI’s investigation into the handling of the classified materials “will go way beyond what the intelligence community’s Inspector General ever would do.”

Kendall declined to be interviewed for this article and the Clinton campaign did not return email messages asking for comment for it. The campaign has said her use of a private server and the discovery of classified information on it are being amplified by the political agendas of Republicans on Capitol Hill and on the 2016 presidential campaign trail.

That is no doubt true but it doesn’t make the job of defending her position any easier. Kendall will have his hands full as he attempts to juggle the legal interests of his client and the political reality she has to operate in. “He’s an incredible lawyer, he writes brilliantly, and he works harder than anyone else,” says Kendall’s old colleague from the Bill Clinton impeachment. “Whether he’s successful in the rough and tumble of the public arena is another question.”

TIME twitter

Hillary Clinton Vies to Be the First Emoji President

She asked people to use emoji to talk about student debt

Hillary Clinton ❤️️s millennials.

In an effort to engage with younger voters, the Democratic presidential candidate asked them to share their thoughts on student loans using only emoji, the cutesy pictograms that litter social media.

That’s a rather complex issue to boil down, but we noticed a few specific emoji popped up frequently: the pile of poo, the skull and the pistol. Suffice it to say, younger voters are not happy about their student loans.

Here are some of the responses which followed Clinton’s rules:

And then, of course, came the responses that did not follow the three-emoji rule. There were those who mocked her attempts to connects with the youths:

Some people questioned her oversimplification of a complicated topic:

Others decided to turn around and ask her a question:

Some people showed their overall support while letting her down gently:

And then, finally, there were the people who anticipated this blowing up in Clinton’s face:

But it was a more specific complaint:

That led her social media director to apologize:

We look forward to seeing voters’ three-emoji thoughts on fighting the Islamic State of Iraq and Syria, reducing greenhouse gas emissions and reforming immigration next.

TIME 2016 Election

Why Democrats Are Struggling With Black Lives Matter

Bernie Sanders black lives matters seattle
Elaine Thompson—AP Marissa Johnson, left, speaks as Mara Jacqueline Willaford stands with her and Democratic presidential candidate Sen. Bernie Sanders, I-Vt., stands nearby as the two women take over the microphone at a rally on Aug. 8, 2015, in downtown Seattle.

The party's presidential candidates have had difficulty connecting with protesters

Hillary Clinton’s campaign stop in Keene, N.H., on Tuesday was billed as a community discussion on substance abuse. But some of the attendees had other matters on their minds.

Five members of the Black Lives Matter movement showed up to buttonhole the Democratic frontrunner about the tough-on-crime policies Clinton promoted during her husband’s presidency. Arriving late, they were barred from entering the packed forum at a local middle school—a decision made by the local fire marshal, according to the Clinton campaign. When the event was over, the former Secretary of State met privately with the activists.

The meeting had mixed results. “She was projecting that what the Black Lives Matter movement needs to do is X,Y and Z,” Julius Jones, a founder of the Black Lives Matter chapter in Worcester, Mass., told the New Republic, which broke the news of the planned disruption. “We pushed back [to say] that it is not her place to tell the Black Lives Matter movement or black people what to do, and that the real work doesn’t lie in the victim-blaming that that implies. And that was a rift in the conversation.”

It was also a reflection of the ongoing struggle of Democratic presidential candidates to connect with a protest movement that is only gaining steam a year after Michael Brown’s death in Ferguson, Mo. Activists have criticized each of the top Democratic candidates for failing to make the flaws of the U.S. justice system a significant part of their campaigns. At times, the friction has spilled into public view.

Members of Black Lives Matter have twice interrupted public events held by Vermont Sen. Bernie Sanders, whose peevish reaction to the disruptions stoked tensions further. Maryland Gov. Martin O’Malley drew jeers when he responded to protesters at Netroots Nation in July by proclaiming that “all lives matter,” which activists think undercuts their message. Clinton angered activists in June by using the same phrase at a Missouri church near Ferguson, where protests to commemorate Brown’s death sparked another spasm of violence in recent days.

The uneasy relationship between the potential Democratic standard-bearers and a pillar of the party’s electoral coalition carries significant consequences. A linchpin of the Democratic blueprint for holding the White House is repeating the success Barack Obama enjoyed with black voters. In 2012, Obama was lifted to victory by the historic black turnout, which surpassed the percentage of white voters for the first time since the Census Bureau began tracking such figures in 1996. But without Obama at the top of the ticket in recent mid-term elections, Democrats have failed to muster the same enthusiasm among blacks. Democratic strategists acknowledge a dip in the community’s voting rate in 2016 would dent the party’s chances.

Members of the Black Lives Matter movement say that is a distinct possibility, depending on whether the Democratic nominee can repair a frayed relationship. “We are going to have very clear demands,” says Brittany Packnett, an educator and activist. “If those aren’t met, you may see people behaving in alternative ways. People may not show up to vote.”

In the activists’ eyes, each of the candidates must overcome checkered records on criminal justice. The 1994 crime bill signed by Clinton’s husband consigned a generation of blacks to lengthy prison sentences for nonviolent crimes. As mayor of Baltimore and later as governor, O’Malley took a zero-tolerance approach to community policing, sparking tensions that exploded into rioting last spring when 25-year-old Freddie Gray died of injuries sustained in police custody. Sanders touts his record of civil-rights activism, but as a member of the U.S. House of Representatives, he voted for the 1994 crime bill. Now a senator from an overwhelmingly white state, his campaign has largely focused on economic rather than racial inequality.

“There’s something insufficient about all of them,” says one activist associated with Black Lives Matter.

The candidates are taking steps to convince the movement they are allies, not adversaries. Senior officials with each of the campaigns have initiated discussions with prominent figures in the movement, such as Packnett, who was tapped by the Obama Administration to serve on a White House task force studying police reform, and DeRay McKesson, one of its most visible figures. Clinton delivered a speech on justice reform that acknowledged and denounced “the inequities that persist in our justice system.” Sanders hired a well-respected black organizer and unveiled a new criminal justice-plan this week.

O’Malley has done perhaps the most to make criminal justice a centerpiece of his platform. He has called for a constitutional amendment to protect each citizen’s voting rights. And he recently released a detailed criminal-justice platform that calls for body cameras, national use-of-force standards, better data collection on police shootings and an end to mandatory minimums for drug crimes, among other reforms. Democrats, he explained in an interview with Ebony, can’t expect to marshal “a large and diverse coalition if we’re not able to speak to the concerns of everyone within that coalition.” But O’Malley must square that rhetoric with a record of tough-on-crime policies. When he cut short a European trip to return to his scarred hometown during the riots, some Baltimore residents reacted with boos.

“All three candidates have responded to the movement in some way,” Mckesson says. “Their rhetoric has caught up.” But activists are still waiting to see how talk translates into policy.

Read next: This Photographer Shows What It Means to Be a Cop Today

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TIME Bernie Sanders

Sanders Puts the Heat on Clinton in New Hampshire

Democratic Presidential Candidate Bernie Sanders Holds Campaign Event At The LA Memorial Sports Arena
Getty Images; Bloomberg/Getty Images Left: Democratic presidential candidate Hillary Clinton in July 17, 2015; Right: U.S. Senator Bernie Sanders in Aug. 2015.

Bernie Sanders is putting the heat on Hillary Clinton in New Hampshire.

According to a live-interview poll of likely Democratic voters from Franklin Pierce University and the Boston Herald, the Vermont Senator is ahead, 44-37 percent in the first-in-the-nation primary state.

With a margin of error of plus or minus 4.7 percentage points, that means the two candidates are statistically tied. Unlike most other polls this early in the election season, the poll also screens for likely voters, instead of registered voters.

Still, the results are a surprising turnaround for Clinton, who remains a heavily favored frontrunner nationally. According to a Real Clear Politics average of national polls, Clinton is favored by 55 percent of Democrats, while Sanders is preferred by 19 percent.

But New Hampshire neighbors Sanders home state of Vermont and has similar demographics, so it represents his best chance for an upset.

Vice President Joe Biden, who is reportedly still considering a run, received 9 percent in the poll. The three other Democratic candidates—former Maryland Gov. Martin O’Malley, former Rhode Island Gov. Lincoln Chafee and former Virginia Sen. Jim Webb—each came in at 1% or below.


Hillary And Jeb Are In A Photoshop Battle On Twitter

Photographs by AP

The candidates (or their social media teams) argued about college affordability.

The Hillary Clinton and Jeb Bush campaigns got into a Twitter argument on Monday regarding education policies.

It began when a tweet was sent from Clinton’s account with a link to page that outlines the candidate’s plan for reducing student debt. The tweet read, “Costs won’t be a barrier. Debt won’t hold you back.”

When Bush’s campaign spotted the tweet, it responded with its own that said student debt increased by 100% during the 8 years the Democrats have been in the White House.

Clinton’s campaign hit right back with a photoshopped version mocking the picture sent out from Bush’s account, claiming that college in Florida was not affordable during his leadership.

Bush’s tweeters then diverted the conversation to taxes with a photoshopped version of Clinton’s logo suggesting that taxes will increase if she is elected president. When Clinton didn’t respond, Bush tweeted at her again refuting her claim about college affordability in Florida. The entire exchange follows:

TIME Donald Trump

Hillary Clinton Calls Trump Remarks ‘Overboard, Offensive, Outrageous’

"I think he's having the time of his life"

Hillary Clinton weighed in on Donald Trump’s remarks about Megyn Kelly on Monday, saying, “I think the guy went way overboard, offensive, outrageous—pick your adjective.”

Trump had recently been critical of Megyn Kelly’s questions for him during the first Republican debate, saying, “You could see there was blood coming out of her eyes, blood coming out of her wherever,” a remark many interpreted as referencing menstruation, though Trump has denied that association.

“Yes, I know it makes great TV,” Clinton said on Monday following an event in New Hampshire. “It’s all entertainment. You know, I think he’s having the time of his life, you know, being up on that stage, saying whatever he wants to say, getting people excited, both for and against him.”

Clinton also drew attention to the greater context of how Republican candidates have addressed women’s issues, saying, “I just want to remind us that what they say about women—not [just] one woman who is perfectly capable and incredibly impressive, able to take care of herself, but all these women that I have fought for, worked for, stood up for, advocated for and want to be a president for, who may not have the opportunity to defend themselves, who may lose the right to exercise a personal choice if certain of the Republicans were to be successful—I don’t want that forgotten.”

Asked about her attendance at Trump’s wedding, which he said she attended for financial reasons, she said, “I happened to be planning to be in florida and I thought it would be fun to go to his wedding because it’s always entertaining. Now that he’s running for president, it’s a little more troubling.”

MONEY College

7 Things You Need To Know About Hillary Clinton’s College Plan

Under the new proposal, students could attend in-state colleges without borrowing for tuition and change how they repay other loans.

With anxiety over college costs and student debt running high, Democratic presidential candidate Hillary Clinton unveiled a wide-ranging plan to make higher education more affordable at a campaign event today.

The proposal, estimated to cost $350 billion over 10 years, would rely on a federal-state partnership to reduce the price of a degree at public colleges, make a variety of changes to student loans, and provide grants to colleges that are improving their graduation rates and other student outcomes.

Clinton’s plan—like those of her Democratic opponents—is already drawing criticism from some Republicans. And her strategy to pay for it by eliminating tax deductions for wealthier families is sure to be a hard sell to congressional Republicans. But should the ideas be put into action, here’s what they’d mean for you:

1. Attending an In-state College Would Be Cheaper

The core of Clinton’s plan would allow students to earn a four-year degree from state colleges and universities without taking out loans to pay for tuition. She’d do that by providing federal grants to states, as long as the states up their investment in higher education. As tuition at public colleges has climbed rapidly in the past several years, state spending per student has fallen by almost a quarter, according the the State Higher Education Executive Officers Association. Families are now responsible for roughly half the cost of college. This federal-state partnership would account for more than half the cost of Clinton’s plan, about $175 billion.

2. But it Wouldn’t Be Free

Unlike suggestions by progressive activists to create a completely free college education, Clinton’s plan would require families to make a “realistic” contribution toward tuition costs. Along with money from personal savings and borrowing, the estimated family contribution would include student earnings from 10 hours of work a week. Also, states wouldn’t be able to use money from Pell Grants in designing their loan-free tuition programs, so the federal grants for low- and middle-income students could still be used to help pay for living costs, such as room and board.

3. Applying for Aid Would Be Simpler

Calls for simplifying the 108-question Free Application for Federal Student Aid (FAFSA) have come from lawmakers on both sides of the aisle and from college access advocates who say the complexity of applying for aid keeps many low-income students from attending college. Clinton, too, backs simplifying the form, though she doesn’t offer any details aside from letting families know earlier if they qualify for Pell Grants.

4. So Would Repaying Loans

Clinton’s plan also calls for streamlining the repayment of loans and creating a Borrower Bill of Rights. Today’s four, income-based repayment programs would be consolidated into a single plan with simple rules. All borrowers could enroll in a program that caps their loan payments at 10% of income and forgives any outstanding debt after 20 years of payments.

5. Current Borrowers Could Refinance at Favorable Rates

Graduates who earn a bachelor’s degree now leave college with just under $30,000 in debt, on average. By allowing most current borrowers to refinance their loans at today’s interest rates (4.29% for undergraduate student loans), Clinton says 25 million students would save an average of $2,000 over the life of their loans.

6. Future Borrowers Would See Lower Ones

For future borrowers, interest rates would be reduced “significantly,” cutting the profits the federal government makes on student loans, a money source that’s been criticized by some politicians, most notably Sen. Elizabeth Warren (D-Mass.).

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7. Colleges Would Be Held to Higher Standards

Clinton wants colleges to be more transparent about student outcomes such as graduation rates, likely earnings, and debt load so families can make better-informed decisions when choosing a school. That argument is similar to one President Obama made in pushing for his ratings plan, which has since been scaled back after repeated criticism from some in higher education.

Clinton’s New College Compact Plan would give additional grants to colleges that further reduce costs, serve a significant minority or low-income population, or invest in student support services that lead to higher graduation rates. (Currently, four in 10 students don’t graduate within six years.)

On the other hand, Clinton would penalize colleges whose graduates aren’t able to repay their loans. Her campaign doesn’t offer specifics on requiring colleges to have “skin in the game,” but Clinton does say she’ll support bipartisan efforts to do so, such as a recently introduced bill that would require colleges to pay back to the government a share of the loans that their graduates aren’t repaying.

The Democratic frontrunner, Clinton unveiled her plan in New Hampshire, where undergraduates have some highest average student loan debt in the nation, and where she faces considerable competition from Vermont Sen. Bernie Sanders, an independent who’s running for the Democratic nomination. Sanders was one of the first candidates to announce a debt-free college plan. His plan calls for spending roughly $70 billion a year (two-thirds of that would come from the federal government) to make public colleges tuition-free.

The other major Democratic candidate, former Maryland Gov. Martin O’Malley, also has introduced a plan that would give students access to a debt-free degree from in-state colleges or universities, though his proposal doesn’t have a price tag attached. O’Malley also wants to allow students to refinance their loans and to automatically enroll all borrowers in income-based repayment plans.

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