[inaudible conversation] good afternoon. Thank you, ladies and gentlemen forks turning out on a cold, late fall day. I can i sure you its going to be worth your time im ben desalvo, an associate professor of Political Science at city college of new york and its any pleasure to introduce our speaker, beth akers. Id like to welcome beth to Manhattan Institute where she has recently become a fellow. Prior to joinings she was a fell lee at the Brookings Institution center on children and families, and before that she was a staff economist at the president s council of economic adviser, and worked extensively on Higher Education policy. Second id like to welcome beth back to new york. Beth received her ph. D in math and excuse me are ba in mag and economics and her ph. D in economics from columbia university. Beg is here to talk about her guantanamo low game of loans rhetoric and reality of student debt published by Princeton University press and written with Matthew Chingo of the urban ins