Williams: Well, I think really COVID exposed the credit crisis that we have within debt

Williams: Well, I think really COVID exposed the credit crisis that we have within debt When we think about student debt, it's now the largest category, with the exception of mortgages. It's surpassed credit debt, that is, credit card debt. So I think the thought is, look, the average debtor, with student debt, they're paying roughly $400 a month, so roughly $4,800 a year. That money itself could go towards other things. For example, maybe towards rent, maybe towards starting...

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