According to my favorite tabloid, Bernanke echoed John Edwards in describing "the two societies" meaning the rich and the poor in America. He thinks "it’s based very much, I think, on educational differences... If you’re a college graduate, unemployment is 5 percent. If you’re a high school graduate, it’s 10 percent or more. It’s a very big difference."
The Census has a great chart showing the effect of education on incomes: