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Happy Holidays! Please enjoy this Best Of episode. Clark returns January 2nd. \nClark explains the forces behind a reversal in home building trends, bringing more affordable homes to the housing market. Also today: New data shows the net cost of attending college is moderating. Clark discusses cost factors to consider when choosing a college and most importantly - a course of study and skill set. Is prestige worth the price, or is it better to hold the cost and borrowing down? Plus, a NEVER NEVER rule on student loans.\xa0\n\nBack To Smaller Homes: Segment 1\n\nAsk Clark: Segment 2\n\nCollege Major and School Choice Decisions: Segment 3\n\nAsk Clark: Segment 4\n\n\nMentioned on the show\n\nGoodbye Bathtub and Living Room. America\u2019s Homes Are Shrinking.\n\nDivvy Wants to Make Rent-to-Own Deals Easy. Many Customers Find Them Hard.\n\nShould You Buy an Extended Warranty on Your Car?\n\nWant high earnings? Focus on the major, not a college's prestige\n\nStudent Loan Payments Are Restarting: 4 Things To Know\n\nHow Do Student Loans Work? 7 Things to Know\n\n\u2018I\u2019ve had this black cloud looming over me\u2019: How private lenders have left millions of college students with no hope for the future\n\nSimple Interest: Who Benefits, With Formula and Example\n\nRule of 78: Definition, How Lenders Use It, and Calculation\n\nSubmit a complaint | Consumer Financial Protection Bureau\n\nWhy Clark Howard Shifted to a Digital Wallet and You Should Too\n\n\nClark.com resources\n\nEpisode transcripts\n\nCommunity.Clark.com\n\nClark.com daily money newsletter\n\n\nConsumer Action Center Free Helpline: 636-492-5275\n\n\nLearn more about your ad choices: megaphone.fm/adchoices\nLearn more about your ad choices. Visit megaphone.fm/adchoices