Well, my point is precisely that perhaps parents shouldn’t think about educational debt as being the sole responsibility of the student. And it won’t be, frankly. There’s no way an undergraduate student is going to be able to rack up $100K in loans in his or her name alone without the parent(s) also signing on to be guarantors of the loans. So it’s a family debt, not just Junior’s debt, The question of how much of that debt Junior can reasonably be expected to pay back is a family decision.