Oh boy...if the Regionals did have the manpower to pull credit reports (which they don't), they would find us all (well most of us at least!) neck-deep in debt. Isn't that the American-way?! Then none of us would have jobs haha...

BTW, just deferred my student-loan payments until second-year pay kicks in woohoo!! I'm splurging tonight on the extra big bowl of Ramen ;-P