These people are going to be paying you this high interest rate and they can't get out from under.

NPR: Time for Renovation at the FHA?

After all, outstanding student loans now eclipse total credit-card debt, and even bankruptcy filers don't typically get out from under their school loans.

WSJ: Upside: Is College the 'Best Investment'? Here's the Math

So after getting home from the bookstore, she reportedly doesn't bother to change out of her Hogwarts School costume or to get under the covers.

NPR: Harry Potter Fans Slug Down Pages of 'Prince'