Hate Mail— JB responds to a skeptical student. How does answering ACT questions help create two- and four- year college graduates with minimal debt?Graduating with minimal debt is a choice. Don’t add (more than $5k a year) to the $1.4 trillion in student loan debt. Don’t become a debt slave. Yikes! The Summer Melt— the percentage of HS seniors enrolled in college, who never show up in the fall— is up to 20%. Here are some antidotes.