text:  Right. So I had gone to an out-of-state college for my freshman year. I just finished that up, and I accumulated $16,000 in student loans. They're all federal, but obviously I wasn't happy about that, and I started listening to Dave's and kind of realized that was a poor decision. So I came back home, and I'm going to be going to a community college and then transferring to an in-state university to cut down that cost and not go into more student debt. Good for you. What are you studying at?