could that be the big impediment real-estate analyst jason meister said the student loan debt is, indeed be a big factor on whether this house a recovery even happens. >> that's right. a first-time home buyer is under siege. increase double digits in home prices and interest rates are up from a year ago. low, near 4 percent, but they are up from a year ago. with the debt on the one hand and interest rates and home prices going on they cannot afford homes. neil: that does not bode well for housing. the fact of the matter is people got used to these low rates. they go up even a little bit that's a lot. >> is a lot like the tech bubble. once the bubble burst everyone got scared. no one is in housing because the bubble burst. what do i want to be leading this? , is all rents. i want a little flexibility. it's not like it was back in the day. neil: young people you're talking about the boom. they just don't see it. a lot of it they experienced a the first and from their parents, what a meltdown, ennobling collectors chasing it. there are not as sanguine on the beauty of owning a home. >> the