behindson and rationale them not being dischargeable in you have a, say good year five or 10 years later and at some point, you could be doing fine, and as a society, we want to make sure people that are doing fine are contributing so they can be helping other people get access to college, right? the idea if we have a pool of money that comes from people when it works out, let them contribute their money and the form of taxes and that loan payments and that gets recycled, paid for to the next education generation. i would not want to see people doing these bankruptcies where it is just a mechanism for the next deal. he want to make sure people are paying their fair share toward the commonwealth. >> this question, also from the audience, follows susan on the comments you are just making about how you want to encourage people to move forward in higher education in ways that improve their opportunities for the future, so the question is, how do we prevent students from over borrowing without discouraging students from enrolling in college that improve their economic future. that is a delica