I am so glad I'm not the only one who was extremely disappointed in this book. I made myself finish the book hoping Grisham would redeem himself by the end of the book, but no such luck. When I read the author's notes at the end of the book I found out why. He said his idea for the story came from an article he read regarding student loans.....and that was as far as he went for research. I compared this book to reading a Danielle Steel novel - all fluff and no substance. Everyone has an off book, I hope this was his "one" and only.