 It's here and now. Millions of Americans owe some $1.6 trillion of student loan debt, and nearly half of them have stopped making payments. Why, you ask? Well, much of it has to do with confusion caused by changing rules and legal challenges to President Biden's loan forgiveness programs. Here to guide us through all of this is Robin Frazer, host of the podcast, Full Disclosure. Robin, hey. Hey, how are you?