in the united states specifically as you mentioned the national university of singapore research coggan the facts of these two hundred people before and after their debts were paid down the recipients were tested for general anxiety disorders as well as the ability to make better financial decisions which is very important if we're going to pay off all of your debt to study found three points they first they tested cognitive function in general which is usually just an i.q. test when it comes to human beings and those fell to four percent error rates over the seventeen percent error rates initially when they test them before the debt was paid down. in the proportion of participants showing generalizing disorders went from seventy eight percent down to fifty three percent after that debt relief so i mean imagine that you're not feeling every single day you know on top of family kids and everything else you're not feeling so concerned about the money issues that you may have now the number. the peoples of color showing so-called present bias which favors gratify instant gratification thin