It looks like we all have a lot to be thankful for. One of the main reasons we all "survived" upbringing was home and family influence...a 2 parent home for the most part..and a **** good work ethic. I was the second one in my family to get a degree, NO LOANS, I worked a job nights and weekends for 2 years and the GI Bill helped for the next 3 years. My 2 kids went to college...and worked. No loans. We are all truly blessed MERRY CHRISTMAS, Spring is just around the corner.