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It's this time of the year again, when all the shops and houses become spooky scary places. And as from nowhere appear zombies, vampires and ghosts instead of people that you used to know.

Did you know that half of all college students drop out before receiving a degree? Every fourth freshman don’t complete even their first year. In the USA half a million students drop out every year. What are the reasons for it?

Within the past several weeks, the President-Elect has made some interesting cabinet appointments. An oil executive for Secretary of State, a brain surgeon for Housing and Urban Development, and a Senator who was once denied a federal judgeship as his Attorney General.

As 2016 ends, American student loan debt has reached $1.3 trillion. The average amount of debt for a 2016 undergraduate grad is now $37,172 – a 6% rise over 2015.