 when you've got that good degree you've got a good job or a good profession to go into and you can pay it back if you're a nurse if you're an engineer if you're a doctor if you're a lawyer well lawyers are kind of worthless but there you go uh... uh... you can pay the money back if on the other hand you've got one of those degrees that ends in the word studies think about what i mean uh... then you might have a tough time because what's your day job pouring coffee probably but uh... we'll get to that just moment first i want to go to this naysayer matt uh... i should tell you