jason, we have known the collins family sinceon and jerron joined the nba and they have been exemplary members of the nba family. jason has been a widely respected player and teammate throughout his career and we are proud he has assumed the leadership mantle on this very important issue. two-thirds of students graduate with debt and it is reaching new highs. averaging almost $27,000 in 2011. to keep your debt down, first decode the financial aid offer. >> it can sometimes be difficult to distinguish what is a grant and what is a loan. they may not even use the word loan. >> here it is, out of pocket. >> reporter: so ask questions and remember, you're not just paying for one year. >> it is not about that first year of college. it is insuring that you are accepting a financial aid package that has renewable money. >> about half of all colleges practice what is called front-loading of grants.