I still have my student hone debt that i m paying off, and, you know, there is that sense of e, oh, i did it, but how old are we now? as of 2022, 40.5 million americans had student loans, and about 1 in 4 of those, 9.9 million borrowers, it s between 20- 40 grand. so tuition inflation, 4.63% annual increase from 2010 to 020. that s a lot. you re looking at i have an infant, a 9-month-old, you re looking at the 529s, you re already thinking down the road when my child wants to go to college, i don t want to say no, and you re planning for things in the future. it is so much stress and anxiety. i love the approach, we have to go to the root cause, the last bill in the package that s putting the pressure on the grad schools to bring the costs down. and more and more today you re seeing kids that that aren t going to college, you know? they re going out on their own,