Well, you know, college education, college financing is, it's really terrible what's happened. So basically, the biggest problem that we have today is that there was a law signed in 2009, which allowed something called income-based repayment plans. So let's say you spent $100,000 going to school, you borrowed $100,000, and your payment would ordinarily be $1,200 a month. But what the government does is they say, look, you're making $45,000 a year, so we're going to means test this, and you only have to pay $300 a month. And a lot of people say, cool, my loan payments are only $300 a month. But the problem is, is that you're not paying the full payment, and the part that you're not paying is being added on to the back of the loan. So I'm sure you've had this experience online or on Twitter or something where you see somebody complaining about their student loans, and they say, I started out with $70,000 in loans, and 15 years later, I have $100,000, and this is terrible. So what's going on here is that they signed up for an income-based repayment plan. They're not paying the full amount, and the amount of the loan is growing over time. So if you are under an income-based repayment plan, you have to pay more. You have to aggressively pay down the loan. So even if you only owe $300 a month, that's a check you have to write, you need to be paying $600 a month or $800 a month just to pay that loan balance down. So

the takeaway there, pay down your loans as quickly as possible. And you got to remember too, if you're on one of those income driven repayment plans for your student loans, you