 The student loan debt in 2010, the student loan debt was less than $500 billion. Geez, what happened? Well, in that same year, the Obama and the Biden administration, they eliminated the federal guaranteed loan program, you know, in the private sector. So they were going to cut out the middleman and save some money. So they moved it over, all the student loans, over to the Department of Education. And, of course, since 2010, the student debt has increased about $100 billion a year.