she writes for the new york times and if you're on twitter, i encourage you to follow at susan dynarskifor a informative and witty commentaries. first the word about today's format. each of our panelists beginning with susan will kick things off with brief opening remarks. i will then have the pleasure of moderating a conversation with our two experts. i will start with questions of my own before opening things up to the audience. we write questions on the notecards that you should have received as you came into the room and we will have volunteers circulating to collect them from you during the program and if you are watching online, these send us your questions via twitter using the hashtag epi student debt. let's get started. susan, the floor is yours. >> i'm going to start with data but i want to start out by talking about if there is indeed a crisis in student debt, where is it?so we are at a university and a school of public policy so we should be addressing this question with data as opposed to say, introspective and thinking about our own experiences or those of our friends or c