text:  Not all universities, but most of them. But most, 80%. Irredeemable. Irredeemable, top to bottom, from the professors, the administration, to the faculty. So stop giving money to your alma mater. Do not give another penny. Too many conservatives do that. Unless it's Hillsdale. There you go. So one more question for Steve, and then I'm going to bring up Scott. Yes, sir. What entities or who owns all of this student debt?