There are other ways to motivate students than requiring them to take on debt or work long hours taking away from their studies. For example, we don't allow our kids to work during the school hours their freshman year. After that, they can work a little but not so much that it hurts their education.

That's is life. You move and change according to things that happen to you and things that you make happen because of poor choices.

Many debt collectors offer a lump sum option so ask. And if you get it, make sure it's in writing and you keep the payoff statement FOREVER.

You still need to save but being debt-free in retirement is and should be a goal.

Policy changes like what you desire come from our politicians. So let them know what you think.

Light has a way of keeping people honest.

No matter who is in the White House, I just keep doing what my grandmother taught me. Hate debt. Save. The best any of us can do really.