federal government, that would allow immigrants to borrow much of the money needed to pay the immigration admission fee. Immigrants would repay these "immigration loans" over time from the higher earnings here compared to their earnings in their countries of origin. There could be scholarships and discounts on the fees for particularly desirable immigrants, but the fee structure should not be made too complicated. This approach of using immigration entrance fees would not only make overall immigration policy more sensible, but it would also go some way toward resolving the illegal immigration question. Immigrants who have been in the United States for a long time, and have done reasonably well and are raising families, hate living under the cloud and opprobrium of being here illegally. Many, probably most, of them would be eager to buy their right to citizenship by paying even sizable fees, especially if loans are available to help finance these fees. The perverse incentives that accompany amnesty programs would be eliminated since amnesty would no longer be needed or desirable. In addition, many of those who might be coming illegally in the future from Mexico and elsewhere would now have a very attractive alternative; namely, to pay the entrance fee that gives them the right to come legally and permanently. Many of them would surely choose the legal option that is presently denied to them. To be sure, the issue of illegal immigrants would not completely go away. Some migrants might still prefer to come illegally and