Student debt is corrosive to the economy. "In 2018 student debt contributed to more than 1 in 6 (17.6%) insolvencies in Ontario" (hoyes.com). YR Plans offers employers a solution that meets employees where they are - and offers a program that links employer contibutions to Retirement Savings plans with Student Debt reduction. John Kenny is an innovator and a problem solver. It's a delight to talk with him.