loan debt is not that worrisome and that loan compared to to they have jobs, is not as onerous as it appears. you say what? guest: that is a case where an economist is academic rather than sitting down with joe and susie at the table and feeling their burden. when i talk to a couple doing financial counseling, it is not economic theory. there is a reality they owe $80 or $90,000 in student loans and they have credit card debt. neil: you cannot runaway from that debt. in bankruptcy debt that is money can you not runaway with. what happens? dave: we value to reassess what we get for what we pay on