there is more evidence that it is a part to gillooly acute challenge for women. the gap -- a particularly acute challenge for women. why is that? guest: these days, a lot more college students are working adults coming in to college later. women,they come in, because of the gender pay gap, have less money to put towards their education. while they are in school, they are still working. when they get out, that gender pay gap plays a role so women are taking longer to pay off because they are paid less on average. guest: -- host: are there other factors, like care for children or the burdens? guest: that is a big factorguest:. when we talk about the gender whitefield's women -- what fields women are over representative in take longer to pay off. from gaithersburg, maryland. caller: our son just graduated from a state school in maryland. a businessd with degree. i gave him the opportunity to ck on how he would get through college. we've put this money aside for him. he went to another community codes that fed into maryland, the mac when school, and he was able to ge