West Virginia University is doing what it can to help the rest of us understand what's at stake.

The past few weeks have been an unsettling time as the nation's largest financial institutions struggle under the weight of toxic debt.

A panel of professors at the College of Law at WVU tried to clear up the financial mess.

Law student Josh Nightingale was just one of the people who have been overwhelmed by the complexity of the proposed bailout.

He attended tonight's discussion to educate himself about where the economy stands.

"I learned a lot about how the financial crisis came to be and where some of the responsibilities for some of the financial crisis, where those should fall. Rather that just on the personal choices of the consumers and the average people themselves," he said.

The discussion, titled "Understanding the Financial Market Crisis," gave scholars the chance to explain some of the fuzzy details.

Professor andre cummings worries that the government's explanation isn't covering the whole issue.

"This is all about bailing out Wall Street and opening up credit lines, but we're not talking about how this is going to help folks who cannot make their mortgage payments," cummings said.

Some students in attendance still have lingering questions.

Michael Cary asked, "If we bail Wall Street out this time, you know, they rely on the citizens of America, will that give them more incentive to exercise the same risky business in the future?"

The College of Law held this discussion to help clarify the facts behind the financial market crisis. But the panelists have their own ideas about what changes could be made to help pass the bill.

"We have to guard and change the way we engage business in such a way that these sub-prime mutual loans hurt these communities of color and individuals that are simply just trying to make it,” said cummings.

The Senate passed the revised bill this evening.

The House will vote on Friday.