New York Sen. Kirsten Gillibrand is fighting for students, and basic understanding of how loans work will be her weapon.

Just kidding!

Too many grads are #InTheRed, saddled with crushing student debt. We must allow the refinancing of student loans at lower interest rates. — Kirsten Gillibrand (@SenGillibrand) January 21, 2016

If business owners & homeowners can refinance their debt, we should allow graduates who are #InTheRed to refinance at lower rates as well. — Kirsten Gillibrand (@SenGillibrand) January 21, 2016

Nice try, dear, but no.

@SenGillibrand Sure, what is the collateral they should put up, or are you just blindly posting talking pts? #tcot @moelane @charlescwcooke — Jeremy Stephens (@JStephens2008) January 21, 2016

That’s what she appears to be doing, yes.

@SenGillibrand this is not how lending works. — Steve Anderson (@Sjanderson86) January 21, 2016

Collateral, how does it work? https://t.co/nBMbSNDABS — Lachlan Markay (@lachlan) January 21, 2016

Do you know what collateral is https://t.co/CvCzenSsx8 — Crimson Hot Mess (@CrimsonHotMess) January 21, 2016

One problem Senator Genius; what is their collateral? Go ahead we'll wait for your explanation……waiting…..waiting…RT @SenGillibrand — Stefano Lode di Gesù (@steveatmguy) January 21, 2016

Keep waiting.

Is there a Democrat who understands the concept of tangible assets? house: tangible asset

BA Gender Studies: not https://t.co/QLgNpeT8GW — Dave in Texas (@DaveinTexas) January 21, 2016

@SenGillibrand Homeowners refinance using an asset as collateral: a home. The asset underlying a student loan is a C+ in Cultural Studies. — Strahan Cadell (@Sartor1836) January 21, 2016

@sengillibrand What’s the resale value for a Bachelor’s Degree in Anthropology? Answer me that and we’ll talk about refinancing the debt. — George Wellfore (@gwellfor) January 21, 2016

@SenGillibrand So what will they use for collateral, Senator? Really, the economic/financial ignorance of our governing class is a scandal. — Tom Gregg (@TomG_380) January 21, 2016

@SenGillibrand Seriously? Have you heard of either a)collateral, or b)credit score. How much do poetry majors make? You're a Senator? Joke. — Gene Lindsay (@uelindsay) January 21, 2016

Pretty pathetic.

@SenGillibrand Are you really this stupid or just pretending? — JodiKyman (@jodikyman) January 21, 2016

https://twitter.com/hymnforrachel/status/690254952812417024