meh student loans won't ever bankrupt anyone. they physically can't. if you start massing up private sector debts you can get yourself into trouble.... the capital of culture thing has provided the council with a lot of money for regeneration in the city centre. a lot of it is still underway.... it's not the prettiest city in the world but i enjoy living here. the nightlife is great, it is cheaper than almost any other major city in this country, and there is a lot of culture here. i'm not sure what the ECC thing will do longterm really but the launch the other night was a good night out.