 actually be used to heal a marriage. It actually is used all the time. Marriage counselors do it. So I got great hope for you guys. Hang on, we'll get you into FPU. You know, it doesn't take a degree in statistics to realize this one stinks. 93% of undergraduate private student loans are co-signed. So when you're delinquent and drowning, mom or papa or uncle Joe is stuck in that financial stress along with you.