we've been doing a lot of that. we've been using wage garnishment, and we've been using irs refund collections in the program very successfully over the last few years. so we'll go after those students who default very aggressively and very quickly. we collect every dollar that can be collected. we pursue defaulted loans with a vengeance. we use collection agencies. we garnish your wages. - fast forwarding to the present, mr. longanecker retired from higher education to pursue his true love. he was now a commercial truck driver in colorado. [truck horn blares] health insurance commercial. take 1. cut! cut! one more. i got this. cut! take 37. cut! i don't actually play tennis. i'm just an actor in a commercial. most insurance companies don't know me. but humana does. when i was diagnosed with copd, they helped me to manage it and keep my medication costs low.