I can see why this stock is getting sold so much lately, but hold on to it. I laugh at anyone selling this company at this unsustainably low price. I do not think that loan defaults are going to put FMD out of business in the long term. I do see a crisis, in that tuition is rising rapidly while it is getting harder for graduates to pay these debts. But even if you adjust the expectations accordingly, FMD is still a buy here. There is always going to be a market for debt, and companies are getting better and better at collecting.