When people get scared, they quit giving.

The only reason to go into business is to make money. You have to work hard at it. If you're not passionate about it, you'll burn out so fast that it is incredible.

Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.

Debt has become a part of who we are.

I think the lie we've told people in the marketplace is that a degree gets you a job. A degree doesn't get you a job. What gets you a job is the ability to carry yourself into that room and shake a hand and look someone in the eye and have people skills. These are the things that cause people to become successful.

I have to live my books before I write them.

We learned early on that if we help enough people, the money will come.