DENVER, CO – OCTOBER 26: People stand in line during an autumn snowstorm to see U.S. President Barack Obama speak at the University of Colorado Denver campus on October 26, 2011 in Denver, Colorado. Obama is expected to launch a new plan to lower the cost of paying back student loans. The plan, to be implemented by executive order, would allow some 1.6 million students to cap their loan payments at 10 percent of their discretionary income starting in 2012. It would also forgive the balance of student loans after 20 years of payments. (Photo by John Moore/Getty Images)