As president, how will Hillary Clinton help make college more affordable and more attainable for many Americans? originally appeared on Quora--the knowledge-sharing network where compelling questions are answered by people with unique insights.

Answer by Hillary Clinton, senator, Secretary of State, 2016 presidential candidate, on Quora:

College is supposed to help you follow your dreams. But right now, high costs and heavy student debt are doing the exact opposite for many people--they're pushing their dreams further away.

I have a plan to make college affordable and debt less painful for everyone. It's called the New College Compact. Here's how it works:

First, affordability. Under my plan, you won't have to borrow a cent to pay for tuition at an in-state public university. Community college will be completely free. Students who qualify for Pell Grants will be able to use them for living expenses. We'll invest in historically black colleges and universities. And we'll offer special help to the one in five college students who are also parents.

Second, decreasing debt. Under my plan, if you have student debt--like 40 million Americans do--you'll be able to refinance it at lower rates. We'll make it easier for graduates to enroll in income-based repayment programs, so you never have to pay more than 10 percent of what you make. If you make payments on time, the debt that's left after 20 years will be wiped away. We don't want it hanging over people's heads forever.

We're also going to crack down on predatory schools, lenders, and bill collectors. If you defraud students, overcharge veterans, or mislead borrowers, we're going to hold you to account.

I call my plan a compact because everyone is going to have to step up. States will have to invest more. Colleges will have to do better by their students. And students and families will have to work hard, just like they always have.

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