With tuition fees, payday loans and youth unemployment in the headlines, Free Speech tackles debt and credit. From Manchester, Jake Humphrey presents an exclusive poll revealing the burden of debt young people face. An audience of 18-25 year-olds have their say. Following the Paralympics, issues surrounding disability and benefits are up for debate, along with the other big news stories of the day.

Jake Humphrey chairs a live debate, with a panel of politicians and opinion formers facing questions from the studio audience of 18 to 25-year-olds in Colchester, Essex. On the day that Americans vote for a new president, Free Speech asks just how important the position continues to be.  

Also up for debate is whether 16 to 17-year-olds should have the vote in the UK, and an issue that splits opinion on both sides of the Atlantic - abortion law.  

There's a special message from tabloid talk show host and former Democratic Mayor of Cincinnati, Jerry Springer, and the Free Speech Power Bar shows what the audience at home think of the panellists.  

Radio 1's breakfast news and sports presenter Tina Daheley is the Social Media Jockey, speaking up for the web responses and online comments.