For more, see What America Owes In Student Loans

U.S. households owe a bit less than they did at the peak of the bubble. But they still owe a lot: $11.4 trillion, give or take a few billion. Mortgage and home-equity debt is still by far the biggest chunk of that debt.

Jazz reflects who we are as a people — democracy in action and all that. But a jazz tune or solo is also a portrait of the musician who makes it; the music reflects the particular background and training that influences how composers compose and improvisers improvise. Jason Kao Hwang makes that autobiographical component explicit throughout his extended composition for eight pieces, Burning Bridge. His parents made the move from China around the end of WWII, and he grew up attending Presbyterian services in suburban Chicago.

Congress comes back to work this week and the fiscal cliff is its top priority. Some Republicans have said they'll break a longstanding pledge not to raise taxes. Host Michel Martin talks politics with columnist Mary Kate Cary of U.S. News and World Report and The Root's political correspondent Keli Goff.

(We updated the top of this post at 11:50 a.m. and 12:15 p.m ET):

Moving quickly after the announcement that Securities and Exchange Commission Chairman Mary Schapiro is leaving on Dec. 14, the White House just said that President Obama has designated SEC Commissioner Elisse Walter to be her replacement.

In a statement, the president says:

The congressman who became known as "Dollar Bill" Jefferson appears to have run out of options in his bid to overturn a 2009 corruption conviction.

The Supreme Court just announced it will not hear an appeal from former Rep. William Jefferson, D-La. So, as The Times-Picayune says:

Good morning.

Earlier, we posted about:

-- Outrage, Protests In Bangladesh After Factory Fire That Killed Scores.

-- 'Cyber Monday,' 'Giving Tuesday;' Then 'Weeping Wednesday?'.

Meanwhile, here are some of the other top headlines of the morning and from over the weekend:

Horrific is a word that quickly comes to mind about the news from Bangladesh concerning a fire Saturday in a garment factory where clothes were made for retailers around the world, including some in the U.S.

Here's how The Associated Press starts its latest report:

After Grey Thursday, Black Friday, Small Business Saturday and No Clever Name For It Sunday, we're on to Cyb