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    <title>The Cost of Opportunity</title>
    <itunes:subtitle>A podcast from the Cap Times about student debt.</itunes:subtitle>
    <link>http://captimes.com/</link>
    <description><![CDATA[A podcast from the Cap Times about student debt.]]></description>
    <itunes:type>episodic</itunes:type>
    <itunes:summary>A podcast from the Cap Times about student debt.</itunes:summary>
    <itunes:owner>
      <itunes:name>Natalie Yahr</itunes:name>
      <itunes:email>NYahr@madison.com</itunes:email>
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    <itunes:author>The Capital Times</itunes:author>
    <copyright>2024 Cap Times</copyright>
    <itunes:explicit>clean</itunes:explicit>
    <itunes:category text="News"></itunes:category>
    <itunes:category text="Education"></itunes:category>
    <itunes:category text="Society &amp; Culture"></itunes:category>
    <itunes:category text="Health &amp; Fitness">
      <itunes:category text="Mental Health" />
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      <title>The Cost of Opportunity</title>
      <link>http://captimes.com/</link>
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    <item>
      <title>A student debt nightmare</title>
      <itunes:title>A student debt nightmare</itunes:title>
      <description><![CDATA[The subject of this week's episode decided to consolidate a loan with his wife under a now-defunct federal program. It ended up being one of the biggest mistakes of his life.<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]></description>
      <content:encoded><![CDATA[The subject of this week's episode decided to consolidate a loan with his wife under a now-defunct federal program. It ended up being one of the biggest mistakes of his life.<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]></content:encoded>
      <itunes:summary>The subject of this week's episode decided to con…</itunes:summary>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>The Capital Times</itunes:author>
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      <pubDate>Tue, 28 Nov 2017 04:19:00 +0000</pubDate>
      <itunes:duration>643</itunes:duration>
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      <title>What happens when you can't pay your loans?</title>
      <itunes:title>What happens when you can't pay your loans?</itunes:title>
      <description><![CDATA[Preston Branch has stopped paying his loans after he couldn't make ends meet.<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]></description>
      <content:encoded><![CDATA[Preston Branch has stopped paying his loans after he couldn't make ends meet.<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]></content:encoded>
      <itunes:summary>Preston Branch has stopped paying his loans after…</itunes:summary>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>The Capital Times</itunes:author>
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      <pubDate>Mon, 20 Nov 2017 16:06:56 +0000</pubDate>
      <itunes:duration>391</itunes:duration>
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    <item>
      <title>What should Wisconsin do about student loan debt?</title>
      <itunes:title>What should Wisconsin do about student loan debt?</itunes:title>
      <description><![CDATA[In this episode of the Cost of Opportunity, we're bringing you a recording of a panel discussion on student debt moderated by podcast host Katelyn Ferral.<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]></description>
      <content:encoded><![CDATA[In this episode of the Cost of Opportunity, we're bringing you a recording of a panel discussion on student debt moderated by podcast host Katelyn Ferral.<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]></content:encoded>
      <itunes:summary>In this episode of the Cost of Opportunity, we're…</itunes:summary>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>The Capital Times</itunes:author>
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      <pubDate>Mon, 13 Nov 2017 22:42:02 +0000</pubDate>
      <itunes:duration>1400</itunes:duration>
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      <link>https://omny.fm/shows/the-cost-of-opportunity/what-should-wisconsin-do-about-student-loan-debt</link>
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    <item>
      <title>Jessica Schmidt</title>
      <itunes:title>Jessica Schmidt</itunes:title>
      <description><![CDATA[Jessica Schmidt didn't realize how much her debt would add up when she took it out at 17. Now, at 30, debt weighs heavily on both her finances and other aspects of her life.<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]></description>
      <content:encoded><![CDATA[Jessica Schmidt didn't realize how much her debt would add up when she took it out at 17. Now, at 30, debt weighs heavily on both her finances and other aspects of her life.<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]></content:encoded>
      <itunes:summary>Jessica Schmidt didn't realize how much her debt …</itunes:summary>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>The Capital Times</itunes:author>
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      <pubDate>Tue, 07 Nov 2017 19:03:06 +0000</pubDate>
      <itunes:duration>676</itunes:duration>
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      <link>https://omny.fm/shows/the-cost-of-opportunity/jessica-schmidt</link>
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    <item>
      <title>Tammy Baldwin</title>
      <itunes:title>Tammy Baldwin</itunes:title>
      <description><![CDATA[Wisconsin's junior senator talks has heard a lot from constituents about the debt that they're struggling to repay.<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]></description>
      <content:encoded><![CDATA[Wisconsin's junior senator talks has heard a lot from constituents about the debt that they're struggling to repay.<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]></content:encoded>
      <itunes:summary>Wisconsin's junior senator talks has heard a lot …</itunes:summary>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>The Capital Times</itunes:author>
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      <pubDate>Sat, 28 Oct 2017 01:11:15 +0000</pubDate>
      <itunes:duration>553</itunes:duration>
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      <link>https://omny.fm/shows/the-cost-of-opportunity/tammy-baldwin</link>
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    <item>
      <title>Araceli Esparza</title>
      <itunes:title>Araceli Esparza</itunes:title>
      <description><![CDATA[Araceli Esparza said that there's a lot of extra baggage that comes with navigating student debt as a single mom and a person of color.<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]></description>
      <content:encoded><![CDATA[Araceli Esparza said that there's a lot of extra baggage that comes with navigating student debt as a single mom and a person of color.<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]></content:encoded>
      <itunes:summary>Araceli Esparza said that there's a lot of extra …</itunes:summary>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>The Capital Times</itunes:author>
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      <pubDate>Wed, 18 Oct 2017 18:22:56 +0000</pubDate>
      <itunes:duration>404</itunes:duration>
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    <item>
      <title>Matt Oleson</title>
      <itunes:title>Matt Oleson</itunes:title>
      <description><![CDATA[Matt Oleson didn't appreciate the magnitude of his $25,000 of student debt until he graduated. For the past four years, he's been working relentlessly to pay the loan off as quickly as possible.<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]></description>
      <content:encoded><![CDATA[Matt Oleson didn't appreciate the magnitude of his $25,000 of student debt until he graduated. For the past four years, he's been working relentlessly to pay the loan off as quickly as possible.<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]></content:encoded>
      <itunes:summary>Matt Oleson didn't appreciate the magnitude of hi…</itunes:summary>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>The Capital Times</itunes:author>
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      <pubDate>Mon, 16 Oct 2017 16:17:01 +0000</pubDate>
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      <title>Jamie McClendon</title>
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      <description><![CDATA[Jamie McClendon, a criminal defense attorney, talks about how her 12 student loans have directly shaped her career in law.<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]></description>
      <content:encoded><![CDATA[Jamie McClendon, a criminal defense attorney, talks about how her 12 student loans have directly shaped her career in law.<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]></content:encoded>
      <itunes:summary>Jamie McClendon, a criminal defense attorney, tal…</itunes:summary>
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      <itunes:author>The Capital Times</itunes:author>
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      <pubDate>Mon, 02 Oct 2017 15:19:42 +0000</pubDate>
      <itunes:duration>426</itunes:duration>
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