steve: let's talk to larry winget our old buddy the pit bull of personal development and author of theou know, as kids set off for college, you know, a lot of them will have debt at the end. ultimately, college is not for everybody, is it? >> you know, it's not for everybody. and what's interesting to me about this whole deal is we have 841,000 students who owe $9 billion that think ardefault on. that's our money, taxpayer money. i think that happens when the american dream is that your kid go to college. that's not always the american dream if they are going to graduate with that much debt. what we have to do is guide our kids so they don't end up with that much debt so they actually end one a degree that has value in the marketplace there are other options. katie: larry, what do you think is fueling this problem. the student debt issue has really ballooned in the past decades. a result of too much free money. student loans, the federal government being in charge of them and people not having the money when they get out of the school with the degrees they are pursuing to pay it back.