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The only thing that really surprises me is that they are finally talking about it. There's an $80 billion 'elephant in the room' that could be worse than a recession for Wal-Mart, Home Depot and Costco Aug 23rd 2016 2:41PM America's largest retailers are facing a threat that is rarely discussed student loan debt. Consumers make $80 billion in loan payments a year, Moody's retail analyst Charlie O'Shea said on Bloomberg TV. This means they have less money to spend at retailers like Walmart, Home Depot, and Costco. "The average salary per college graduate has increased