23:15 – 

For some young adults, post-college debt is a ball and chain they fear they’ll never be able to shake. With education costs soaring and entry-level jobs becoming scarcer, the debt to income ratio may appear unmanageable. The young adults on our panel are living with school debt, and have strategies that will help you face your own debt with a sense of purpose and victory. They even have a few ideas for staying out of debt (or nearly so) in the first place.