Another poorly written story - what has happened to Grisham? His characters are morally suspect, not at all well developed, and just unlikeable. I give him credit for exposing diploma mills and the outright con game that schools play with unsuspecting students who end up with unsurmontable debt and little chance of getting decently paid jobs. Also, the deplorable scam companies that service this debt - in which the US government is culpable. It's just as literature, it is a poor attempt.