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b"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"