Payroll is usually the largest expense for most small businesses. While income goes up and down, payroll is a constant. The employee always knows what their check will be while the employer rarely does.
"It’s official; student loan debt exceeds debt owed on credit cards for the first time in history. If they have not already passed it, student loans will top $1 Trillion dollars soon. In addition, nearly $100 billion, or 10% of those, are delinquent."