here to discuss this is andrew josuette, ceo at student loan hero. good to have you with us. how does this work, and the companies that have it, how do you become eligible to take part in it? >> yeah, so, companies are essentially willing to either make a lump sump payment on an annual basis or after a clip. so, if you're with the company after a one or two-year anniversary, you'll be entitled to a loan payment, or other companies are paying out on a monthly basis straight out as a cash statement. >> now, andrew, this is a taxable payment they're making to help you pay off your student loans, and some may say with the average student loan debt at $35,000 when they graduate, that $1,000 or $5,000, and the fact you have to be there several years to get that money in some cases may not be enough to really make a dent. >> yeah, the reality is a lot of borrowers need a cash flow solution today. so, if i was to roll out this program for a company, i would recommend doing it on a monthly basis, effective immediately. and then they're going to be able to capitalize on the fact that t