This link will take you to the Pence & Freese 2010 Baldrige Application (They earned the Baldrige Award for Performance Excellence for the small business category) The application at the below
Economists debate whether college debt is responsible for falling home ownership rate
Student debt has surged 32 percent since 2007, while home ownership for those under 35 is down 7.4 percent from a decade ago
Home ownership among Americans under age 35 hit the lowest level on record this year, just as college debt for graduates reached a new high. Whether the latter is driving the former is being debated among economists and policy makers. College students who took out loans will graduate this year with an average of $33,000 in student debt, up an inflation-adjusted 32 percent from 2007, new research shows. The home ownership rate of those under 35, meanwhile, has fallen to 36.2 percent, from a high of 43.6 percent in 2004.