Your friend Mona claims that the average student debt immediately after graduation in the United States is $24,500. You want to see if your university has lower student debt at graduation. To test this, you randomly collect data from 40 students who recently graduated. The average of your sample is $22,413, with an associated standard deviation of $7,312. Using this data to perform the hypothesis test with vs. , what is the p-value of this test, and what is the conclusion of this test at the