enough in our intellectual infrastructure for those answers and more i want to bring in our friend joe hanson he is the founder and the director of education matters incorporated and is currently writing a book about student debt welcome to the program. thanks for having me go for we get to the solutions i want to see if you can sort of help our viewers understand the depth of the problem now is the issue of student debt crisis at this point. it absolutely has i'm not the only advocate who's been working on behalf of student gutters i've been doing this for nearly three years i'm actually currently in eureka california doing an investigative piece with the family here and i think one of the key things i'm glad that you mentioned the intellectual infrastructure too but also the emotional toll of this takes on individuals is is quite tremendous and to keep it in perspective there are currently thirty six million americans with outstanding federal loans. that's a pretty sizable portion of the population and these are people who are lawyers and doctors and engineers and they you know they are a d