 have transferred to teach-out colleges approved by the accreditor, lost at least some of their credits, meaning that their time in college will be longer, more expensive, and they'll be forgoing that period of income. If they have to spend another semester in college, it's another semester's worth of time they could have been working and earning a living. So there's significant sort of financial costs to this that could discourage lower-income students from going. And as Meredith also mentioned,