Examine the graphs below. Which graph provides better evidence for deciding whether student loan debt is a problem?

What Young People Make and What They Owe Percent change from 2005 in median annual earnings of people 25-34 years old holding just a bachelor's degree and average student loan balance for people under 30 years old. -Earnings Student debt 40% 35% 30% 25% 20% 15% 10% 5% 0% -5% 2005 2006 2007 2008 2009 2010 2011 2012 Source: National Center for Education Statistics (earnings); NY Fed (student debt] | WSJ.com77.5% 2011 62% 2000 1990 OF AMERICAN HOUSEHOLDS OF ALL BANKRUPTCIES ARE ARE IN DEBT CAUSED BY A MEDICAL ILLNESS STUDENT LOAN DEBT HAS EXPLODED TUITION DEBT IS OVER $1,000,000,000,000 THE RATIO OF HOUSEHOLD OF INDEBTED 103- DEBT TO INCOME IS 40% HOUSEHOLDS USED CREDIT CARDS TO 1 IN EVERY 7 AMERICANS IS BEING 154% PIGGY T. PAY FOR BASIC PURSUED BY A DEBT COLLECTOR LIVING EXPENSES