Speaking at an unidentified rotary club forum, Joseph Cronin addresses the topics of higher education and finance, with a focus on student loans, as well as reporting on Boston schools. He spends the majority of the time dispelling the myths and misconceptions about student loans, specifically the assumptions that student loan funds dried up in 1981, middle income families are no longer eligible for aid, kids do not repay the loans they are given, and governments do not proactively pursue borrowers who do not repay.