Ryan White

I went to graduate school with zero expectation. I kind of backed into it. I wanted to go back to school because I felt gaps in my literary background. I studied mostly twentieth-century English literature in college, so I thought, 'Maybe I'll go back for my writing.'

Leverage is great when it works, and when it doesn't work, it creates a lot of issues. So I think if you limit the amount of leverage that people can borrow, or that banks can borrow, I think you'll find that you'll have a lot less issues going forward.