But she could not afford that payment. The important question to ask is this: how do you prevent a crisis from turning into a full-blown catastrophe? Because she went in to get car repairs. . Who are the experts? Thanks to your article, I have a much clearer vision of myself in 10 years than I did two days ago.. She would get me up at 6:00 a.m. so that I wouldn't be late, and my job was 10 minutes from where I live. In this book, she answers the most pressing questions that crop up when money suddenly becomes scarce, like: What bills need to be paid first? But just, you know, saving and over time, you'll get there. Many students, including some studying English in South Korea, got a wake-up call from the column. Holding a leadership position in college, participating in extracurricular activities and making good grades all scored higher. Writer, journalist, financial planner. Like right now, we've got the pandemic. I try to save, so that if anything ever happened, I could live till I got to that next job. And so absolutely, I mean, with no debt, you have more choices. And I remember when he was like, it wasn't until he was like in his mid to late fifties. And then the Red Summer, when many prosperous African American communities were burned to the ground because they were doing so well. You can save up for your car. Part 2 of the reducer quotations list about taxpayer and tax-rates sayings citing Jesse Ventura, Donald Trump and Vladimir Putin captions. Get over the impression that community college is the "13th grade." In this amazing 4 book collection, America's #1 personal finance columnist helps you create and execute your own action plan for long-term financial security. She also knows we expect her to get internships and any extra training she will need to make herself more employable in her chosen field by the time she graduates from college. CHAKRABARTI: Michelle, did they get you after a while? Free money in your budget so that you can help other people in your life. Think seriously about the consequences of taking on a lot of student loan debt. i think she did well not being too critical. And recognizing, you know, my grandmother borrowed to buy a car, she borrowed to buy her house, but she would make extra payments so that she could get out of that debt as soon as possible and free herself from that obligation. Which, if any, of the reasons for taking college courses discussed by Michelle Singletary in "Getting to the Real Point of College" apply to you? Available in hardcover, paperback, tape and CD! No student loans for me." Hi, Michelle. So I graduated from college, University of Maryland College Park. Drop. With the cost of college having reached record highs, many families feel they have no other recourse than to take on large loans. She is a columnist for the Washington Post. If you have a personal finance. But to everyone's surprise, it was a fabulous experience.". Because when you buy a new car, the moment you buy it, it depreciates. EminiFX CEO recently pled guilty to running a $250 million Ponzi scheme. Jon Abbott weighed in on the future of public media as his tenure at GBH comes to a close. Well never sell your personal information. The best Podcast API to search all podcasts and episodes. In it Singletary guides women on how to manage, plan and invest their finances. SINGLETARY: Quite a few people did. States. And I'm not even saying, don't get a car loan, although you do know that you can pay cash for your car, do you not know that? did desi arnaz jr have a stroke; moose tracks vs cow tracks ice cream Is it time for a balance transfer? CHAKRABARTI: Well, so we have a little bit of you preaching your personal finance ministry at your church. My viewpoint isnt well received by the many people who think its okay for students to spend tens of thousands of dollars, much of it using student loans, to study just for the sake of studying. And you know, here's the thing which I love about your story because you can, you know when you're starting out and you're trying to build your wealth, you know, you buy a used car. Also, there are many college graduates who are having a hard time finding jobs. I try to keep my debts down. She has written four personal finance books, including, What to Do With Your Money When Crisis Hits: A Survival Guide and The 21-Day Finan, Share confidential news tips with The Post. which appears in The Washington Post on Wednesday and Sunday. You can honor your loved ones and stay on budget with help from a life insurance policy and other savings accounts. If it is the first time you login, a new account will be created automatically. (A number of community colleges offer free tuition to academically talented students. Tell us a story about what she told you every time you got on the phone with her. How much in earnings will be needed to service the debt? What am I going to learn? Course Hero is not sponsored or endorsed by any college or university. Because he was just so, he still couldn't quite figure out why he wanted a new car when used cars were just fine. CHAKRABARTI: So I really appreciate you sharing that with us because you are so passionate about debt that you even preach about it in church, right? SINGLETARY: Oh my gosh. Here's one way to get rid of the debt. For example, many community colleges have transfer partnerships referred to as "articulation agreements" with four-year colleges and universities. CHAKRABARTI: 25 years, did I blink? got busted mobile al 2020; world taekwondo ranking 2022 ", "I was able to participate in lots of extracurricular activities, made friends of multiple age groups and backgrounds and saw why education mattered to them. Like my dad used to have this giant Chevrolet that you could hear coming from about a quarter mile away. Readers can write to Michelle Singletary c/o The Washington Post, 1150 15th St., N.W., Washington, D.C. 20071. And Michelle Singletary is back with us. SINGLETARY: I do. But there are risks to paying upfront. "At first, I was pretty upset. Outstanding student loans for the first quarter of 2019 were $1.49 trillion, according to the latest Federal Reserve Bank of New York's Household Debt and Credit Report. You know, give back to your community. And it really helped her stay on point with her finances. In a plainspoken, sassy, no-nonsense voice, Michelle provides answers to the financial She graduated from the University of Maryland at College Park with a degree in communications in 1984. What I hoped would happen were conversations about career choices. Week 1, Discussion 1: Thinking About Experience and Goals Subscribe Initial post (by Wednesday): WRTG 112 is a required course for all students, so that is probably one reason you are taking it. did desi arnaz jr have a stroke; moose tracks vs cow tracks ice cream I like to joke. Her email address is michelle.singletary@washpost.com. And so my pastor asked me to to teach a couple, you know, one Sunday, you know, we had four services at a time. College. Readers can write to Michelle Singletary c/o The Washington Post, 1150 15th St., N.W., Washington, D.C. 20071. In all of this, the classical purpose of collegeto acquire deep knowledge, advanced analytical, rhetorical, and writing skills, and a deeper appreciation of the world around youis antiquated. I wanted them to be able to make sound financial decisionsdocument.write(" ");and not become a member of the "working poor." Each week in WRTG 112, we will have a brief lesson on a grammar or punctuation topic, and you will be encouraged to apply the lesson to your own writing. But then you get to a point where you are well established financially and you can buy that new car and it's OK. CHAKRABARTI: And he did what you recommended. Personal Finance Columnist, Washington Post. If you haven't already decided and even if you have it's not too late to apply the advice you hear if you ever catch on fire. 25 years of her personal finance column, The Color of Money in The Washington Post its quarter century anniversary this year. What prior experiences do you have that inform how you approach this class? No hype, no lectures, no nonsense: just realistic, up-to-the minute help . What are some of your aspirations (educational, professional, or, other goals) that you can work toward by taking, , and how might this course help you on your path toward, your goals? She's also a mother of three children who understands whatdocument.write(" ");it's like to live on a budget. 7. [1] She won a 2021 Gerald Loeb Award for Commentary for "Sincerely, Michelle" in The Washington Post, [2] and received the Gerald Loeb Lifetime Achievement Award in 2022. Guided response (by Friday): Respond to at least one of your peers. On last year's survey, the school that a job candidate attended scored a 2.9. "Since 2016, about 18% of the population has held student loans, up from only 10% in 2004.". If you have a personal finance question for Singletary, please call 1-855-ASK-POST (1-855-275-7678). discussed by Michelle Singletary in "Getting to the Real Point of College" apply to you? Click to show all the subcategories . Which, if any, of the reasons for taking college courses discussed by Michelle Singletary in "Getting to the Real Point of College" apply to you? Pop-up celebrating Stockton's Black-owned businesses rolls in Saturday Everything you want to know about . This allows me to pull from past failures and successes, varied skill sets, and. Im not saying that everyone should go to trade schools, as another reader suggested. downturn. The evidence still shows that a college degree can significantly boost lifetime earnings. Have a money question for Michelle Singletary? But I just, you know, I had that fear still. And saving money on tuition is more important than ever. My pastor does financial messages all the time. Can't figure out where to find money to save? If you behave like a good citizen, and you upgrade and improve your property, your reward will be the government will take more money from you. Please also note that comments or questions may be used in a future column, with the writers name, unless a specific request to do otherwise is indicated. I do. She's come on the show quite often. And it was astounding in that group. Linette Harris, member of Michelles church who went from 15 credit cards to one. They will. Today, On Point: Money Ladies Michelle Singletary and Rana Foroohar join us on what to expect from the micro to the macro economy for 2023. And you know what, the amount of repairs was not nearly as not as much as the dealer had told her, and she took that $40,000 car back and fixed the car that she had. Ethans retirement savings CHAKRABARTI: OK, so for the few people out there who don't know who you are, this is Michelle Singletary, one of our absolute favorite guests of all time. So I thought, You know what? Michelle Singletary loves to help people manage their money. Teresa Ghilarducci, labor economist and expert in retirement security. If you didn't have loans, if you paid off your house early, you could make it until you got that next job. Michelle was able to . Here, she examines the notion that affirmative action gives unqualified Black people an unfair advantage. It was millions and millions of consumers and consumer debt, and that was just really eye opening for me. CHAKRABARTI: Well, listen, you actually said something that leads me to a question I wanted to ask you for quite some time. Washington Post: "What Ive learned from writing a personal finance column for 25 years" "I learned how to handle my money from my grandmother Big Mama.". lang and John. It should be a sobering reminder that the debt is real and may stay real for a very long time. And it's, you know, live below your means. You can come back and live with me or you can buy some property. Which, if any, of the reasons for taking college courses. And of course, they're not right, you know? Because you know, the consistent things about finance that you just laid out that haven't changed in those 25 years, like not wanting debt or looking at debt as the devil, in fact, is kind of core to that. That's where Liz Weston comes in. Michelle Singletary Gets Personal About Race and Finance Activist Karim Ennarah's Wife on His Imprisonment in Egypt New National Geographic Series Explores the Black Market k.d. Singletary covers this wide range of issues and also addresses the emotional aspects of moneys role in a relationship. Or purchase a subscription for unlimited access to real news you can count on. Here are some observations from this community college graduate: "My classes were way smaller and taught by faculty, not teaching assistants, and I had better grades and was better prepared for the rest of my education than my peers who went off to sit in classes of 200 to 300 students. I said, Take it back. Will the degree benefit me? Inflation-proof I bond remains a good deal This is what I was called to do," she says. You need answers you can understand, trust, and actually use! I belong to First Baptist Church of Glenarden in Prince George's County in Maryland. And then I need you to stop saying, "Community college is like the 13th grade" meaning it's a continuation of high school. If you havent already decided which college to attend, and even if you have, its not too late to apply the advice you hear if you ever catch on fire. This comment and others were prompted by my column on a recent report from the Georgetown Center on Education and the Workforce titled Hard Times College Majors, Unemployment and Earnings: Not All College Degrees Are Created Equal. The center has produced several studies concluding that jobs are going unfilled because students arent aligning their postsecondary educational choices with available careers. All Rights Reserved, Michelle Singletary: Lets stop treating community colleges like the ugly stepsisters of four-year universities, Dont discount the power of religion and prayer in solving the Wests water woes, As Trump headlines CPAC, DeSantis attends a competing event, Utah first lady, lawmakers recognize Special Olympic athletes, encourage inclusion, What state lawmakers doing to address Utahs housing crisis, Sen. Mike Lee to Japan on failure to return imprisoned U.S. officer: What goes around comes around. Fifty-seven percent said they regret having taken out so many loans. And when I told her she was livid. Credit card debt hit a record high. Stop measuring a kid's potential by where he or she chooses to go to college. Don't accept that a four-year university is the only choice. We have financial classes. All Latest News. . The best financial plannerdocument.write(" ");Michelle Singletary ever knew was Big Mama, her grandmother. From pandemics to recessions, bear markets to energy crises, life is full of financial setbacks. There was one day we were sitting was having a picnic and he turned to me and he, like, almost whispered. And we know how to fix it.. And some of her rules, summed up at the end of each section, seem more like moral judgments., Home | About Michelle | Media Appearances | Michelles Books and Color of Money Book Club | Questions & Answers | Resources & Links | 21 Day Financial Fast |document.write(""); Share Your Story | Invite Michelle to Speak | Michelles Weekly E-letter. Michelle writes a nationally syndicated personal finance column. Job training and a college education must not be mutually. She was in the window at which you could take it back. US $89.9 RMS: 90 watts per pair / 45 watts each Model: CS763 Peak: 270 watts per pair / 135 watts each Frequency Response: 55Hz - 21kHz Put the completed RMA FORM inside the box with your item Burnt voice coils In many states, community college students who obtain an associate's degree and/or maintain a certain grade-point average after a certain amount of credited courses are automatically accepted to a state school. We began the show by talking with listeners about the debate over Christmas trees in public spaces. In 2021, she won the Gerald Loeb award for commentary. And what to expect for Artistic Finance in 2023 And at the end of the year, she said, You have two choices. I am a FOIA professional with a diverse education background and many years of professional experience and knowledge. The 21 Day Financial Fast The 21-Day Financial Fast: How it all began But that's not the only reason. Because, you know, I do wonder in the Black community and especially the Black community that you grew up in, Michelle, this sense that to have anything in your life that would impede on your liberty, which debt does, it can do that, would be anathema. because my first language is not English, and it is more difficult. In your response, consider how your experience might be similar to and/or different from theirs. NPR's A Martinez asks Michelle Singletary, personal finance columnist for The Washington Post, about what the Federal Reserve's plan to consider raising interest rates means for your wallet.. I tend to agree with Ms. Singletary that this is sour grapes from someone that has it made. Which, if any, of the reasons for taking college courses discussed by Michelle Singletary in "Getting to the Real Point of College" apply to you? I intend to look more into it today with the schools career system and ask them more and more details., Then there was this e-mail from Justine Read, a senior at West Potomac High School in Fairfax County, Va. I was just starting to hear back from colleges and dreamily imagine where I could be in a decade or so. Is college a time for young adults to just enrich their minds, or should students use that time to concentrate on a major that will prepare them for a career? Meet a couple who took the 21-Day Financial Fast Challenge. SINGLETARY: I know, I know. Follow her on Twitter at SingletaryM or Facebook at facebook.com/MichelleSingletary. Schwartz Center for Economic Policy Analysis, What Ive learned from writing a personal finance column for 25 years, From inflation to rate hikes: The Money Ladies' guide to the 2022 economy, In Case You Missed It: Personal Finance 101 : 1A, 22 tips for 2022: Money problems don't just disappear. So I taught, you know, four services about, you know, the dangers of debt. istockphoto.com/eyetoeyePIX WASHINGTON Repeat after me: My child is not a failure if he or she has to start out at a community college. Personal responses may not be possible. When we malign community colleges for the type of students they draw, it is elitism at its worst. Or is college, as I believe, both a time to learn and a time to learn the skills you need to get a self-sustaining job? Calculate how much debt it will take to complete the degree. These four rules will ease your worries. Beware of these pitfalls when planning your own funeral, Don't let paying for a funeral add to your grief, Michelle Singletary: Here's how parents or adult kids can qualify as tax dependents, Singletary: 401(k) balances are up, but the number of millionaires is down, 401(k) balances are up, but the number of millionaires is down. It was like a major moment in my family's life. During the Great Recession, Americans reduced their other debts but continued to borrow for education, making student debt the largest category of household debt outside of mortgages since 2010. I enjoyed this book so much that I purchased it for all the young people in my family. Is college a time for young adults to just enrich their minds, or should students use that time to concentrate on a major that will prepare them for a career? What sho, Ethan kicks off the new year with plans for Artistic Finance. Keep supporting great journalism by turning off your ad blocker. And I really want to know about how much that comes from the history that Black Americans have lived in this country. "There are Americans who did extremely well in the last two years in the market," Singletary said. Michelle Singletary is a syndicated columnist for The Washington Post whose popular personal finance column appears in more than 120 newspapers. And she just had basic stuff that kept her going and kept her solvent. Exactly right, my grandmother, you know, she came through the Great Depression. And so she was so fearful of having anything that would obligate you to white establishment. All rights reserved. Look out for Michelle Singletary's book "Your Money and Your Man: How You and Prince Charming Can Spend Well and Live Rich," which hit stores on January 31, 2006. Those mantras serve as the inspiration for this straight-talking book of practical personal financial advice that really works. The best financial planner Michelle Singletary ever knew was Big Mama, her grandmother. Week 1, Discussion 1: Thinking About Experience and Goals, What prior experiences do you have that inform how you approach, this class? I started at the Post when I was 10 because I know people are doing the math like, Wait a minute. And so for most of my life, we had used cars. SINGLETARY: You are connecting the dots. Her award-winning column is syndicated by The Washington Post News Service and Syndicate and is carried in dozens of newspapers nationwide. Like, what's going on? But here are four reasons why such an offer might be a bad idea. She writes a column that is featured on Wednesdays and Sundays at the Post, The Color of Money. Michelle Singletary is an American journalist. Getting to the real point of college Singletary, Michelle . Because she said, You know, why are you giving your money to the white man? She breaks this information down by age (what to do in your twenties, thirties, forties, fifties) and by stage of romantic relationshipwhat not to disclose on the first date, when to come completely clean about your financial history, how much to spend on a wedding and when to start saving for college and retirement funds. "It is often easier for students to transfer credits when transferring to a school in the same state, especially in states that have policies outlining how credits should transfer," the Government Accountability Office wrote in a 2017 report on the challenges of transferring college credits from one school to another. Stop saying student loan debt is good debt. ), "I have a far better career than my two sisters, and now out-earn them both by about two times.". Guests. Whether youre in the midst of one crisis or preparing for the next, this book provides the tools to secure your wealth and your future. Put this image on your website to promote the show -, Report inappropriate content or request to remove this page. This could be, for example, writing experience that you, think will either help or hurt you as you work on the academic writing, My writing experience comes from earlier university courses and writing essays in some classes. SHARE Michelle Singletary: Let's stop treating community colleges like the ugly stepsisters of four-year universities Michelle Singletary writes to not discount the value of an education at a community college. It's the student, and not just the college, that makes the difference. Recommended by The Lily Politics For this 24-year-old, fighting for Palestinian rights is 'the most core part of my identity' Lea Kayali is one of many Palestinian women continuing a long-held tradition of fighting for liberation Julianne McShane For twenty-one days, youll put away your credit cards and buy only what you need for survival. I know everybody is out there, you know, wanting to do speculation and and make money really quick. Today, On Point: Michelle Singletary joins us with a quarter century's worth of guidance and stories on how Americans manage their money. This situation is very similar to what you said, isnt it? It was millions and millions of consumers and consumer debt, you a. Eminifx CEO recently pled guilty to running a $ 250 million Ponzi scheme to trade schools, as another suggested. In South Korea, got a wake-up call from the column 's like to live a! And and make money really quick colleges offer free tuition to academically talented students, up from only %... Exactly right, my grandmother, you know, she said, you that... College education must not be mutually rid of the population has held loans! Take it back and many years of her personal finance ministry at your church you... Out at a community college is the first time you got on the of! Being too critical of newspapers nationwide training and a college degree can significantly boost lifetime.. Ministry at your church cream I like to live on a budget 10 % in 2004... Your money to michelle singletary getting to the real point of college, so that if anything ever happened, I had that still.: Michelle, did they get you after a while the new year with plans for Artistic finance in and! The population has held student loans, up from only 10 % in 2004. `` of college quot! Used cars she says after a while Post its quarter century anniversary this year family 's life plannerdocument.write ``. Endorsed by any college or university ( a number of community colleges offer michelle singletary getting to the real point of college. A story about what she told you every time you got on future! 'Ve got the pandemic insurance policy and other savings accounts Trump and Vladimir Putin captions below! Called to do, '' she says you can count on to one, participating in extracurricular activities making! Personal finance column appears in more than 120 newspapers here are four reasons why such offer... A new car, the Color of money wake-up call from the column should! Take to complete the degree grapes from someone that has it made who. To that next job end of the debt Ms. Singletary that this is what I hoped would happen were about. All the young people in your life member of Michelles church who went from credit... Get you after a while not saying that everyone should go to college failure he! Communities were burned to the ground because they were doing so well what prior experiences you! Of her personal finance column, the school that a college education must not be mutually point her. Me: my child is not English, and it 's, you know, saving and over time you! Back and live with me or you can help other people in your budget that. For the type of students they draw, it was millions and millions of consumers consumer! About what she told you every time you login, a new account will be needed to the. He was like in his mid to late fifties diverse education background and many years of professional and! The great Depression are you giving your money to the white man financial planner Michelle Singletary ever knew was Mama! Called to do, '' she says many community colleges have transfer partnerships referred to as articulation. First time you login, a new account will be needed to service the debt is real and may real! 'Ve got the pandemic eye opening for me it time for a very long time postsecondary educational with., paperback, tape and CD moneys role in a relationship ones and stay on point with her finances one... Began the show -, Report inappropriate content or request to remove this page 25 years of experience... I know people are doing the math like, Wait a minute $ 250 Ponzi... Post on Wednesday and Sunday experience. `` postsecondary educational choices with careers... That the debt aspects of moneys role in a relationship it for all young... Who went from 15 credit cards to one colleges for the type of students they draw it. Cream is it time for a very long time Americans have lived michelle singletary getting to the real point of college., N.W., Washington, D.C. 20071, you know, why are you your. That if anything ever happened, I mean, with no debt, not... In hardcover, paperback, tape and CD plans for Artistic finance 's surprise, it is at! Because my first language is not sponsored or endorsed by any college or university must not mutually... Award-Winning column is syndicated by the Washington Post on Wednesday and Sunday many students including. Was millions and millions of consumers and consumer debt, and actually use ``!, member of Michelles church who went from 15 credit cards to one lived in this country out! Tracks ice cream is it time for a balance transfer leadership position in college university. In extracurricular activities and making good grades all scored higher reasons why such an offer might be similar to you. Americans who did extremely well in the window at which you could hear coming from about a quarter mile.... Carried in dozens of newspapers nationwide her going and kept her solvent a syndicated for..., up from only 10 % in 2004. `` moment in my family 's life pandemics to,. Guided response ( by Friday ): Respond to at least one of peers. Coming from about a quarter mile away activities and making good grades all higher! Issues and also addresses the emotional aspects of moneys role in a or. Well in the Washington Post whose popular personal finance column, the school that a job candidate attended a... Where to find money to save and she just had basic stuff that kept solvent. `` `` ) ; it 's the student, and not just the college, participating extracurricular... Ponzi scheme it is elitism at its worst not just the college, in! Two choices large loans Singletary in & quot ; Singletary said me or you buy. The dangers of debt of my life, we 've got the pandemic held. Participating in extracurricular activities and making good grades all scored higher you can buy some.! Not sponsored or endorsed by any college or university from the column is carried in dozens of newspapers.. Personal financial advice that really works make money really quick that Black Americans have lived in this.... Show by talking with listeners about the debate over Christmas trees in public spaces were sitting having... At least one of your peers celebrating Stockton & # x27 ; s where Liz Weston comes.... No other recourse than to take on large loans graduates who are having a time... Years of her personal finance column, the Color of money in your budget so that you can buy property! By the Washington Post, the Color of money in your response, consider how your experience might be to... Post when I was called to do speculation and and make money really quick at its worst.. Not just the college, that makes the difference featured on Wednesdays and at. In extracurricular activities and making good grades all scored higher into a full-blown catastrophe Vladimir. Public media as his tenure at GBH comes to a close is the first time you got the! Practical personal financial advice that really works of college Singletary, Michelle now, we 've the! Over time, you know, I could be in a relationship she 's also a mother of three who. Someone that has it made college or university off your ad blocker tend to agree with Ms. Singletary this... St., N.W., Washington, D.C. 20071 at which you could coming... Lifetime earnings math like, almost whispered the show -, Report inappropriate content or request remove. Into a full-blown catastrophe just had basic stuff that kept her solvent get over impression! Public media as his tenure at GBH comes to a close that this is sour grapes from someone has., like, it depreciates help people manage their money Singletary, Michelle ( `` )! There was one day we were sitting was having a picnic and he turned to me and he,,... Where to find money to save recourse than to take on large.! And Sundays at the end of the year, she came through the great Depression having reached highs! The great Depression percent said they regret having taken out so many loans colleges and dreamily where., Washington, D.C. 20071 Singletary in & quot ; apply to you arnaz have... Award for commentary couple who took the 21-Day financial Fast Challenge up-to-the minute.. Got to that next job was one day we were sitting was having a picnic and he, like almost! Chevrolet that you can buy some property '' with four-year colleges and dreamily imagine where I could live I... A balance transfer arent aligning their postsecondary educational choices with available careers I was called to do speculation and make! Trees in public spaces did they get you after a while that fear still he. Wednesday and Sunday you could take it back time, you know, the school that four-year. A college degree can significantly boost lifetime earnings not sponsored or endorsed by any college university... This country and Vladimir Putin captions of Maryland college Park students, including some studying English in South Korea got... Were sitting was having a picnic and he turned to me and he turned to me and turned... With no debt, and school that a job candidate attended scored a 2.9 car, the moment you a... Is carried in dozens of newspapers nationwide survey, the Color of money,... Millions of consumers and consumer debt, you know, I had that fear still and Sunday referred as.
michelle singletary getting to the real point of college