makes her an expert. sonya. thank you so much for being with me. this gallup poll shows that we talked about disparities on this show a lot here. there really isn't one blacks, whites, hispanics, all. what about 70% say that these debts pushed back those major life decisions? how should that inform the conversation we have about a loan forgiveness and student loan programs in this country well, thank you so much for having me this morning. i think it's a very, very important conversation as we look to see what the biden administration will be doing very soon in the next coming months with their proposed second chance at forgiveness. sit alone that affects everyone whether we're thinking about homebuying, where we're thinking about marriage the challenge here is that payments are very high, interest is high, and there doesn't seem to be a lot of elif, insight. four americans, particularly those that are in, i would say the age range of 30 years old, the fifth years old, whether you