nowhere in that study did it say you were too stupid i spoke to the guy who did the study. he said there s a little line on the bottom that says millennials were too dumb that was not in that study. no, that they had to pay back all those loans after getting that was in the study. after getting you re making a general comment here. okay. emerson college, the fine arts degree that they have to pay back $50,000. all right. so by that measure if you take out a loan that you don t have to pay it back, that doesn t say a lot about your generation. this is super relevant. 28% of millennials under 30 have opportunity loan debt. those 40 and above account for 35%. you re hitting me with statistics. i have no idea the accuracy of any of them. i looked this up today. it s an urban institute study. if you look between 2002 and 2013, the number of senior