; Whereas the complexity of financial aid systems and processes, coupled with a shortage of effective and comprehensive financial literacy instruction, can serve as an additional deterrent or barrier for students and families as they assess the viability of higher education programs as a postsecondary option; Whereas the United States built a thriving middle class in part by nurturing the potential for colleges and universities to serve as engines of social mobility; and Whereas the data on the benefits of higher education demonstrate that, in spite of ongoing barriers to access and student success, colleges and universities can still serve as engines of social mobility: Now, therefore, be it