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" People have hearts, they have kids, they get jobs, they get sick, they cry, they dance. They live, they love, and they die. And that matters. "

Elizabeth Warren

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" In America today, a young person needs more education after high school just to have a chance to make it in the middle class. Not a guarantee, just a chance to make it. "

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" For many women, the on-time payments of domestic support obligations are essential to economic survival. "

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" Going to college and finding a good job no longer guarantee economic safety. "

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" The poor pay more, and that's one of the reasons people get trapped at the bottom of the economic ladder. "

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" Credit cards are like snakes: Handle 'em long enough, and one will bite you. "

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" I hear all this, you know, 'Well, this is class warfare, this is whatever.' No. There is nobody in this country who got rich on his own - nobody. "

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" Republicans say they don't believe in government. Sure they do. They believe in government to help themselves and their powerful friends. "

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" There's a lot of talk coming from Citigroup about how Dodd-Frank isn't perfect. Let me say this to anyone who is listening at Citi: I agree with you. Dodd-Frank isn't perfect. It should have broken you into pieces. "

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" Like a lot of you, I grew up in a family on the ragged edges of the middle class. My daddy sold carpeting and ended up as a maintenance man. After he had a heart attack, my mom worked the phones at Sears so we could hang on to our house. "

Elizabeth Warren

" You have two pages, that's the whole credit card agreement. The terms are clear and flat and easy to see so anyone can read them. So you could lay four credit cards in front of you and say, 'Oh, that's the one that has the highest rate, that's the one that has the really scary provision that could hurt me.' "

Elizabeth Warren

" Part of my job is to make sense of all that I hear, and to retell it in a forceful way so that the decision-makers at Treasury can hear it. At least that's how I see it. "

Elizabeth Warren

" We need to align the incentives so that colleges have an incentive to keep down their costs... to graduate students on time with degrees in areas where they're going to be able to get jobs and going to be able to pay back those loans. "

Elizabeth Warren

" I do not understand how it is that financial institutions could think that they could take taxpayer money and then turn around and act like it's business as usual. I don't understand how they can't see that the world has changed in a fundamental way, that it is not business as usual when you take taxpayer dollars. "

Elizabeth Warren

" I had to make a choice - recede into the academic world, or wade into politics. "

Elizabeth Warren

" You have to remember: what are incomes to banks are outgoes to families. "

Elizabeth Warren

" We need a new model: If you can't explain it, you can't sell it. "

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" I will work my heart out to earn the trust of the people of Massachusetts. "

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" Every time the U.S. government makes a low-cost loan to someone, it's investing in them. "

Elizabeth Warren

" What I've learned is that real change is very, very hard. But I've also learned that change is possible - if you fight for it. "

Elizabeth Warren

" People feel like the system is rigged against them, and here is the painful part, they're right. The system is rigged. "

Elizabeth Warren

" I got married at 19 and graduated from a commuter college in Texas that cost $50 a semester. The way I see it, I'm a janitor's daughter who became a public school teacher, a professor, and a United States Senator. America is truly a country of opportunity! "

Elizabeth Warren

" It worries me about what happens if people in government are looking for that next job: 'Yeah I'm working now, not as much money as I could be making, but when I leave here, that's where I'm headed.' That ultimately infects whatever it is that they're doing. "

Elizabeth Warren

" I never sought nor gained personal benefit in school or job applications based on my heritage. "

Elizabeth Warren

" We can't go out and tell ourselves we've done good if we haven't. "

Elizabeth Warren

" All I can say is I was a lot more discreet as a candidate than I was in real life. Can I say that? Maybe it's indiscreet to talk about discretion. "

Elizabeth Warren

" I pay for homeowner's insurance, I pay for car insurance, I pay for health insurance. "

Elizabeth Warren

" The core of my career is my teaching and my writing. "

Elizabeth Warren

" Bankruptcy is about financial death and financial rebirth. Bankruptcy is the great American story rewritten. We're a nation of debtors. "

Elizabeth Warren

" I think Hillary Clinton is terrific. "

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" We've seen filibusters of bills and nominations that ultimately passed with 90 or more votes. Why filibuster something that has that kind of support? Just to slow down the process and keep the Senate from working. "

Elizabeth Warren