The following program is a podcast one.com production.

It's great to have you here on the Clark Howard Show where it's about you learning ways to

save more and spend less and don't let anyone ever rip you off.

Our web address, Clark.com, when you have a question for me, Clark.com slash ask, coming

up in 20 minutes, so much talk about the healthcare law changes in Washington. But what about

when you go to the hospital, there's a change taking place, it's going to make hospitals

more dangerous for you when you go for care. I'm going to tell you about that in today's

Clark Regist moment and coming up a half hour from now. I keep hearing from people that

are buying real estate because they want to be landlords. I've got some special rules

of mine. You need to be aware of when you're thinking you want to be someone who is an

investor in real estate that you don't actually live in. Right now, I want to talk about

a real danger that you need to consider. If you have kids, you need to have a child

that you're expecting to go to college or you have kids in college. Listen to this.

New report out that the number of people defaulting on their student loans is 3,000 people

a day every single day of the year. This is an unbelievable number of people who are

defaulting. That's the number that are at least 9 months behind on their student loans.

8 million people are currently in default on their student loans. And this is not because

people are irresponsible with their finances, although there could be occasionally somebody

that's the issue. Instead, it's the wrong number of dollars that people are borrowing to get

through school. Parents borrowing on behalf of their kids, kids borrowing on behalf of themselves,

grand parents borrowing on behalf of the grand kids, we're creating a level of debt that exceeds

virtually every other kind of debt in the country. 1.3 trillion dollars, 40,000 dollars,

...