 if any of you are thinking about paying down debt whether it's mortgage or a school loan before you start to make these big decisions get in touch with us that's why we're here go to Jill on money.com and click the contact us button don't forget to let us know if you want to join us on the air live you see if Adrian came on I could ask all those follow-up questions I know maybe she's shy but we'll get to her I promise we're gonna follow up and make sure she gets this