Five years ago, as I delivered the Morehouse College commencement address, the class of 2019 received a gift that would change their lives. I announced that I was eliminating their student loan debt. I was motivated to make this gift after I found out that just 38% of students who began at Morehouse College actually graduated in four years. It was not because of grades, requirements, or bureaucracy-but because of money. It was too expensive. Too many people had the ability but not the means to succeed. I was shocked into action.