of business and economics in new york. thanks for coming on. good to be here. tucker: is there any other kind of, if i m late on my mortgage, or my credit card, can they make it illegal for me to do high job or take my driver s license away? no. i think people would find it completely shocking. the idea that the way you re going to deal with people who can t pay their bills is to take away their job? it sounds nonsensical and it is a classic case of the government creating a problem and then piling more policy on top that only makes the problem worse. tucker: student loans, i know you are a college professor, but the colleges are the richest institutions, drive through any states and the pockets of affluence are colleges. the colleges are bankrupting an entire generation of young people, can t buy krs, get march reed, can t buy homes. now they can t work or drive. we have been shovelling billions of dollars at colleges