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Speaker 1: Welcome to the Therapy for Black Girls Podcast, a weekly

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Speaker 1: conversation about mental health, personal development, and all the small

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Speaker 1: decisions we can make to become the best possible versions

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Speaker 1: of ourselves. I'm your host, doctor joy hard and Bradford,

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Speaker 1: a licensed psychologist in Atlanta, Georgia. For more information or

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Speaker 1: to find a therapist in your area, visit our website

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Speaker 1: at Therapy for Blackgirls dot com. While I hope you

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Speaker 1: love listening to and learning from the podcast, it is

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Speaker 1: not meant to be a substitute for a relationship with

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Speaker 1: a licensed mental health professional. Hey, y'all, thanks so much

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Speaker 1: for joining me for session four fifty one of the

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Speaker 1: Things for Black Girls Podcast. We'll get right into our

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Speaker 1: conversation after word from our sponsors. Student loans have always

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Speaker 1: been a source of stress from many of us, but

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Speaker 1: with recent policy changes shifting repayment requirements and propose funding

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Speaker 1: cuts to certain graduate programs, that stress has reached a

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Speaker 1: new level. From confusion about repayment restarting, to fears about

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Speaker 1: forgiveness programs disappearing, to conversations about reclassifying degrees like nursing, psychology,

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Speaker 1: and social work. There's a lot of information circulating and

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Speaker 1: not all of it is accurate to help us or

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Speaker 1: through what's really happening and what we can do about it.

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Speaker 1: I'm joined by doctor Sonya Lewis, also known as a

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Speaker 1: Student Loan Doctor. Doctor Lewis is a financial expert who

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Speaker 1: has helped tens of thousands of borrowers navigate repayment, forgiveness,

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Speaker 1: and financial strategy. What began as her answering questions after

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Speaker 1: church has grown into a seven figure consulting business with

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Speaker 1: coaches around the world. If something resonates with you while

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Speaker 1: enjoying our conversation, please share with us on social media

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Speaker 1: using the hashtag TVG in session, or join us over

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Speaker 1: in our Patreon to talk more about the episode. You

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Speaker 1: can join us at community dot therapy for Blackgirls dot com.

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Speaker 1: Here's our conversation. Well, thank you so much for joining

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Speaker 1: us today, doctor Lewis.

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Speaker 2: Thank you so much for having me.

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Speaker 1: I would love for you to tell us more about

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Speaker 1: how you got into the work that you're doing supporting

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Speaker 1: families with financial aids.

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Speaker 2: So this work begun two thousand and fifteen in Philadelphia, PA.

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Speaker 2: That's where I'm from. I was really on a journey

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Speaker 2: trying to figure out my own financial situation as it

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Speaker 2: relates to just becoming an adele understanding student loans. And

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Speaker 2: also that's my professional background. And I took a financial

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Speaker 2: literacy course at church and what I realized and this

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Speaker 2: course was there was no one to really talk about

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Speaker 2: student loans or what to do with them. And so

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Speaker 2: because that's what I have already been doing professionally, at

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Speaker 2: that point, I said, well, I can help people and

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Speaker 2: teach them after class at the church, having lines of

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Speaker 2: people coming in for a consultation that I never said

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Speaker 2: I would give. But we're in the house of the Lord,

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Speaker 2: so how because you not? And then I said, oh okay,

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Speaker 2: I said, well, if people are willing to come, I said,

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Speaker 2: they could pay me for my time. We could meet

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Speaker 2: at corner bakery. I feel like every great business starts

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Speaker 2: at a bakery somewhere with the plug and Wi Fi.

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Speaker 2: And then sometimes you have to flirt to get the

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Speaker 2: table with the plug. But it's all right. So that's

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Speaker 2: how it went for like the first six months. I

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Speaker 2: didn't know any better. I was just trying to charge

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Speaker 2: an hour when I got paid at work, because there's

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Speaker 2: no concept of where you're supposed to be paid as

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Speaker 2: a business owner and then I was like, I think

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Speaker 2: I need to go up with my prices. I need

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Speaker 2: a row office. Long story short, I was able to

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Speaker 2: growing into well technically it's a seven figure business now

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Speaker 2: consulting business, and I have coach all over the world,

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Speaker 2: but it really just started with me answering and helping

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Speaker 2: people at the church. So here we are today, yea.

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Speaker 1: And I would imagine that you have seen so much

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Speaker 1: in terms of how the landscape has changed from year

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Speaker 1: to years. Are there some major themes that you feel

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Speaker 1: like have come up in your work with your students

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Speaker 1: or with your clients, and you've been maybe your coaches

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Speaker 1: and their clients that you think are important to kind

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Speaker 1: of highlight. I think that every administration has a different

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Speaker 1: tone of how they handle student loan repayment, and so

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Speaker 1: we brace ourselves because I've now been through a few

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Speaker 1: administrations with this and unfortunately right now the timing of

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Speaker 1: this podcast where it is miss stuff just making sure

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Speaker 1: that people understand that this administration they won't require you

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Speaker 1: to pay, They're going to not make things so easy.

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Speaker 1: We're coming off of a five year repayment pause because

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Speaker 1: of the pandemic, so there's a lot of anxiety there's

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Speaker 1: a lot of unknown There's a lot of unclear and

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Speaker 1: not true information circulating around too that we try to

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Speaker 1: clear up for people. But we know that student loans

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Speaker 1: lives in the middle really of everything, financial health, emotional health,

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Speaker 1: just even.

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Speaker 2: How people interact with their personal relationships. If I get married,

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Speaker 2: do I have to tell my partner about my student loans? Yes,

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Speaker 2: it shows up later it's time to go buy a

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Speaker 2: home together. So depending on what they come to the

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Speaker 2: table with will depend on the problem that we're tackling.

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Speaker 1: Yeah, so it sounds like a lot of the questions

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Speaker 1: recently have been around like repayment, right, Like, whereas you know,

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Speaker 1: in the past couple of years, we've had a little

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Speaker 1: bit more laxed, a little bit more leeway, And you're saying,

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Speaker 1: now with this administration, folks really should be focusing on, Okay,

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Speaker 1: how do I actually start to repay these loans?

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Speaker 2: Yeah, because if you don't, they will. So what I'm

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Speaker 2: telling everyone is that the process of repayment has started, right.

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Speaker 2: A lot of people didn't know that, which is okay.

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Speaker 2: Over half of them have started repayment, but over half

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Speaker 2: of them didn't know. You only find out when your

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Speaker 2: credit score drops or when you go to make a

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Speaker 2: big purchase and then it shows up. So people are

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Speaker 2: really surprised that. And I think that there was like

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Speaker 2: this thing that people were going to be notified that

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Speaker 2: that repayment was happening. They're not notifying anyone.

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Speaker 1: And so you mentioned that you feel like there's also

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Speaker 1: a lot of misinformation out there, maybe about the repayment

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Speaker 1: process or maybe about the process of getting loans in general.

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Speaker 1: Can you clear up maybe some of those nets or

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Speaker 1: bad information that you've heard out there. So a change

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Speaker 1: that was recently announced with this administration was that they're

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Speaker 1: going to be reclassifying or declassifying certain programs that really

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Speaker 1: put people on the uproar because it feels like a

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Speaker 1: personal attack, like, what do you mean my nursing degree

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Speaker 1: is not professional? Right, we'll use that field for example.

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Speaker 2: Technically, what the administration was saying is that certain fields,

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Speaker 2: because of the return on investment from a student loan perspective,

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Speaker 2: did not pay out as well as others over the years.

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Speaker 2: I think this administration did not lead properly with we

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Speaker 2: are declassified or we classify in certain fields because there's

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Speaker 2: a high default rate. If the administration would have led

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Speaker 2: with numbers. I think people could understand numbers better than

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Speaker 2: just you're not a professional. I think that there was

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Speaker 2: an opportunity to educate people instead of like penalizing them.

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Speaker 2: But here we are. So that's one big change. You

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Speaker 2: have to know for those listening that are going to

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Speaker 2: go back to grad school or just in general go

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Speaker 2: to college, or they have family members, or if someone's

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Speaker 2: listening to their child's about to go to school, if

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Speaker 2: your child wants to be let's say, a teacher or

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Speaker 2: a nurse, the question is there enough funding to take

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Speaker 2: them all the way through? Therapists are including this too.

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Speaker 2: There's a lot of people business owners like for nbas

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Speaker 2: is there enough funding to take you all the way

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Speaker 2: through to complete your degrees at a master's or a

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Speaker 2: doctoral level? So should you choose right? That's first big

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Speaker 2: change because if not, that requires people to say we're

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Speaker 2: gonna need scholarships, were gonna need grants, We're going to

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Speaker 2: need to help our child pay for school. The second

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Speaker 2: big thing is they're eliminating some repayment plans, So now

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Speaker 2: we have to make sure that people are educated on Okay,

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Speaker 2: this is what repayment looks like. This is what you're

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Speaker 2: going to be required to pay all your credit score

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Speaker 2: is going to drop. We want people also to be

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Speaker 2: aware that forgiveness programs still exists, they're still around. The

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Speaker 2: problem with that, though, is that the funding for forgiveness programs.

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Speaker 2: I want to use an example like Barber's defense. If

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Speaker 2: you went to a school that was a for profit

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Speaker 2: school like University of Phoenix or DeVry, you're eligible to

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Speaker 2: get some of those loans or all of those loans forgiven.

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Speaker 2: The challenge with that is that after July they can

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Speaker 2: take some of that funding away. So in our space,

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Speaker 2: we're trying to educate the new person coming in, we're

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Speaker 2: educating the person that's in, and then we're educating the

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Speaker 2: person that doesn't yet know about forgiveness programs they're eligible for.

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Speaker 2: So every day we're kind of like in three headspaces

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Speaker 2: with our clients. Just depending what the person has going on,

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Speaker 2: we kind of see what part of the conversation they

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Speaker 2: need to deal with first. Does that answer your question?

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Speaker 2: Because there's so many things.

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Speaker 1: Be does and I have a lot of follow up

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Speaker 1: questions that I'm sure will also help to kind of clarify.

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Speaker 1: So one you just mentioned that like people are in

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Speaker 1: three different phases, right, Like they are coming into the system,

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Speaker 1: they're currently in, or they're like kind of out and

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Speaker 1: still figuring out. Like what the repayment options are, So

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Speaker 1: student loans, I'm wondering they do not work on like

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Speaker 1: you follow the guidelines that were set when you answered

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Speaker 1: the program. Right, So if I like got loans ten

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Speaker 1: years ago, and like the rules were that, you know,

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Speaker 1: I had ten years to pay it back or whatever,

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Speaker 1: does that change with every administration? Or am I locked

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Speaker 1: up or whatever I signed at the time I signed it.

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Speaker 2: I'm going to answer this question professionally. People signed a

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Speaker 2: promisary note, you can't do that. They're like, okay, take

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Speaker 2: it back. So to answer your question, in general, that

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Speaker 2: is not legal to do. So I always say, we

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Speaker 2: don't know what this administration, what day, and what hour

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Speaker 2: you'll get. So to answer your question, if you signed

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Speaker 2: up for student loans ten years ago, there's a promisary

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Speaker 2: note in which you will abide by those terms are

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Speaker 2: still so relevant today.

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Speaker 1: God very okay, perfect, Like you said, in general, right,

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Speaker 1: because we don't know what could be happening tomorrow. So

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Speaker 1: the next question, and I definitely want to spend more

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Speaker 1: time talking about this. I am trained as a psychologist,

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Speaker 1: so there has been lots of conversations in the mental

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Speaker 1: health states around this, like declassifying and changes in classification

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Speaker 1: to things like psychology, nursing, social work. This is the

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Speaker 1: first time I'm actually hearing it put the way that

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Speaker 1: you put it, and so I do agree that you

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Speaker 1: know that is the messaging that maybe could have let it.

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Speaker 1: But I think for a lot of people this has

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Speaker 1: felt very targeted, right because we also know that this

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Speaker 1: is a space where we find lots of black women,

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Speaker 1: right like in the helping professions. I'm curious if these

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Speaker 1: seals are the ones that you're saying are not having

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Speaker 1: like a high return on investment, what feels actually had

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Speaker 1: a higher return on investment in terms of the ones

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Speaker 1: that maybe are still classified as professional.

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Speaker 2: So when we talk about the reclassification, we know that

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Speaker 2: historically students entering these fields that we're targeted are coming

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Speaker 2: from a people of color, working class families, first generation backgrounds, right,

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Speaker 2: you name it, and so there's already financial barriers there.

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Speaker 2: And so what we're seeing is that when we looked

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Speaker 2: at the data, like let's just talk about data, the

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Speaker 2: data show that students that completed degrees, particularly not so

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Speaker 2: much at the bachelors of I do want to stress

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Speaker 2: that though, and the masters in the doctoral level had

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Speaker 2: a higher default and less repayment rate. Now, there could

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Speaker 2: be a lot of things that we could really dive into, right,

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Speaker 2: and now we're talking about adults too. We're having trouble

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Speaker 2: with prioritizing repayment. And so this administration said, and I

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Speaker 2: don't agree with this, by the way, I'm just saying

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Speaker 2: data data shows that there were high default rates in

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Speaker 2: these areas, but it also could be that there just

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Speaker 2: could be a lack of understanding money, understanding how student

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Speaker 2: loans work, understanding repayment options. And I want to say this,

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Speaker 2: a lot of these programs are really expensive. So doctor Joy,

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Speaker 2: what I always like the answer here is that don't

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Speaker 2: make just the student or the barrower accountable. Make the colleges,

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Speaker 2: the universities accountable. Why are these programs six figure programs?

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Speaker 2: So then when someone comes out they're going into the

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Speaker 2: field of psychology, for example, everyone's not starting off with

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Speaker 2: six figure salaries.

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Speaker 1: Most people are not.

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Speaker 2: But they borrowed it, right, Yeah, So the problem is

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Speaker 2: is that it's not a good investment in terms of

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Speaker 2: money wise, that we would say, okay, borrow two hundred thousand,

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Speaker 2: but you're only going to get paid fifty. But when

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Speaker 2: we talk about fills that are on track with repaying

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Speaker 2: their loans, let me say this too. This administration has

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Speaker 2: taken away a lot of data driven websites. So my

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Speaker 2: background is that I was studying how African American women

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Speaker 2: were impacted by Loan Day. So there were websites that

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Speaker 2: I would use to pull on for data like this

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Speaker 2: because that's what I will study it and my doctoral degree. Girl,

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Speaker 2: they're going now. So what I will tell you to

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Speaker 2: be true is when we think about someone that is

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Speaker 2: going to be agnor well, they probably won't take that

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Speaker 2: financial funding away from them because the school won't comply

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Speaker 2: with changing their prices. See what I'm trying to say

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Speaker 2: is that this is a big problem with our entire ecosystem.

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Speaker 2: The education system is so messed up that why are

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Speaker 2: we allowing schools to charge this amount of money? Then

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Speaker 2: people have to borrow this amount of money. This administration

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Speaker 2: does not believe in federal funding period. This administration believes

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Speaker 2: that funding should come from states or private So when

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Speaker 2: we saw them pull what I call a chess move

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Speaker 2: and say, hey, we're going to take some funding away

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Speaker 2: from these degrees. What they want people to do doctory

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Speaker 2: let's not forget who makes money from this when they

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Speaker 2: leave office. They want you to go to a local bank.

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Speaker 2: Let's say go to a local P and C. And

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Speaker 2: they want people to apply for a private loan at

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Speaker 2: P and C. Now we know that credit is not

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Speaker 2: treated fairly amongst black and brown women specifically, so then

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Speaker 2: there could be what denials. I see your question directly

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Speaker 2: by saying that there isn't necessarily a published site that

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Speaker 2: shows the programming of who are paying back their loans, right,

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Speaker 2: It's just that they honed in on these particular fields

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Speaker 2: which historically affect people of color, particularly women.

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Speaker 1: More from our conversation after the break, and I think

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Speaker 1: it is a conversation around the larger ecosystem of care

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Speaker 1: because you mentioned like, oh, they're probably not going to

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Speaker 1: take away funding from people who are going to medical school,

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Speaker 1: for like the neurosurgeons. But the neurosurgeon can't do his

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Speaker 1: work if the nurse is not available to also of this.

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Speaker 2: It's right here.

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Speaker 1: Well, so it does feel like this weird ranking which

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Speaker 1: I think is always a conversation in the medical space, right,

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Speaker 1: see six people in an hour. A social worker is

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Speaker 1: only seeing one person in an hour, right, and so

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Speaker 1: the rates are already not the same, and so it

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Speaker 1: is a larger conversation I think around just the hierarchy

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Speaker 1: that exists both in the mental and medical se but

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Speaker 1: also then what does that mean in terms of care

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Speaker 1: for our community? Because we know when there are more

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Speaker 1: black therapists, like social workers, black nurses, then we are

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Speaker 1: also typically working or at least a higher rate of

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Speaker 1: us are working in spaces where our community is also serviced, right,

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Speaker 1: And so that means I think a lack of care

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Speaker 1: or the level of care and consideration that we would

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Speaker 1: be expecting for our community to be able to get.

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Speaker 2: So, doctor Joe, I could trigger with this conversation a

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Speaker 2: couple of ways, right, because as a black woman, when

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Speaker 2: the information first came out, I was all in my feelings,

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Speaker 2: let's just I'm human. I was like, oh wait a minute.

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Speaker 2: Then I'd put my scholar head on. Okay, they had

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Speaker 2: put a scholar head on. And then I started doing

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Speaker 2: some data research just to kind of see what they

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Speaker 2: were saying. And something I think that was important to

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Speaker 2: come out was that it wasn't just about any particular profession,

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Speaker 2: although we know who it impacts the most. It was

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Speaker 2: really re evaluating the program and the borrowing limits because

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Speaker 2: of the data. Just the money part of alone, right,

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Speaker 2: And when I look at what I do, I've helped

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Speaker 2: over fifty thousand people collectively with my team, and if

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Speaker 2: I could be honest with you, yeah, these fields have

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Speaker 2: a higher borrower and default rate. I have data that

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Speaker 2: shows it just in my back end. Now let's just

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Speaker 2: put that on the table and say that this doesn't

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Speaker 2: make people bad people, and I mean paid enough to

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Speaker 2: pay back what they borrow. But we still need these

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Speaker 2: people in these fields and professions. But then doctor Jorie

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Speaker 2: put another hand on and this is just me personally

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Speaker 2: moving into a more philanthropic stage in my life. I

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Speaker 2: think about what we really need our community to start

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Speaker 2: being community, Like we really need to start looking at

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Speaker 2: where are our dollars going and how can we support

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Speaker 2: students in these fields, Like where could my dollar be

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Speaker 2: better served at in terms of scholarship money. Now, I

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Speaker 2: also want to demystified in this season that everyone listening

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Speaker 2: could do a scholarship back to one person at their church,

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Speaker 2: their high school, their college, to help our next nurse,

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Speaker 2: to help our next therapist, our next psychologists. And it

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Speaker 2: really is going to have to start to look like

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Speaker 2: that because I just think that the funding window federally

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Speaker 2: is going unless we get some change of administration, it's

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Speaker 2: going to get smaller, more restrictive, more biased. And then

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Speaker 2: I think that we're going to have to really call

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Speaker 2: on bigger entities like with the NAACP does right, our

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Speaker 2: churches are going to have to be more targeted with

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Speaker 2: the students in our community, our community members such as

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Speaker 2: you and I. Could we have a scholarship for the

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Speaker 2: therapy for black girls. And I think that's where I'm

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Speaker 2: leaning into because sometimes there are problems that are just

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Speaker 2: bigger than us. The first question I just asked myself

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Speaker 2: when all this came out is well, what can you do?

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Speaker 1: So?

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Speaker 2: I know what I can do as a professional. I

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Speaker 2: can on my platform, I still long doctor platform. I

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Speaker 2: can educate, I do free classes every Monday. Anyway, I

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Speaker 2: maybe I do some more right, Maybe I could and

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Speaker 2: actually not. Maybe what caused me to do this was

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Speaker 2: when this news came out, I reached out to a

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Speaker 2: lot of specific platforms like those that do, for example,

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Speaker 2: with nursing, and I said, hey, I want to go

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Speaker 2: to a hospital and see a black nurse. That's what

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Speaker 2: I want to see. I want to work with black therapists.

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Speaker 2: I want my dinnis black. Like I'm really very selective.

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Speaker 2: That's what I want. But if I want that, then

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Speaker 2: I got to support that too. And so now, see,

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Speaker 2: doctor Jerry, I got to open up the ecosystem. Now

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Speaker 2: we got to open up the community. We really in

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Speaker 2: this country, we have an education problem, down to investing

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Speaker 2: in ourselves, down to let's not support these institutions that

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Speaker 2: are costing this much money. Why don't we support our

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Speaker 2: community in state colleges more. We got to destigmatize that

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Speaker 2: you went to a community or state college. You should

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Speaker 2: go there, right because it's the same teacher teaching. Hear

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Speaker 2: it and I lead school at the same day. And

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Speaker 2: then as a community, what can we start doing within

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Speaker 2: our own communities. I know this year, doctor Joy, I

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Speaker 2: gave a lot of money to my high school, and

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Speaker 2: I'm committed to giving more to my high school and

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Speaker 2: to my college. That's where my giving between that times

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Speaker 2: in the community. That's what I'm doing because that's the

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Speaker 2: only thing I could think that would make me feel

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Speaker 2: better about investing in the future of the landscape of

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Speaker 2: these professions. Okay, I'm answering your question in several ways

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Speaker 2: because I'm a woman, a black woman, you a practitioner dollar.

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Speaker 2: This is a huge, huge problem, and I don't want

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Speaker 2: this conversation to be it. So I appreciate you asking

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Speaker 2: these questions because I don't want this conversation to be

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Speaker 2: swept under the rug because it's not a headline anymore

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Speaker 2: because someone's listening their kids or their cousins.

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Speaker 1: Or their We're in that window right now, like people

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Speaker 1: are getting their acceptances and yeah, so this is the

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Speaker 1: time to really start thinking about it. So when does

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Speaker 1: this like new law go into effect, doctor Lewis, So

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Speaker 1: at what point is this.

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Speaker 2: It's still got if right?

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Speaker 1: Okay, so it's still it's not official yet. This is

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Speaker 1: just something on the table.

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Speaker 2: Let me say something about this administration, Honey. They can

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Speaker 2: put out something like it's done. I need the laws,

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Speaker 2: like I mean, but it doesn't matter because he's not

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Speaker 2: really following the laws and rules as it's written. Pull

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Speaker 2: out your chat GPT. It matters because when we have

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Speaker 2: mid term elections and we have bigger elections at large

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Speaker 2: because we know that these things aren't law yet we

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Speaker 2: can still have things in place to change them. It

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Speaker 2: does matter. And I'm glad you said that because you

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Speaker 2: could feel listening or seeing headlines like it's right here

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Speaker 2: and then you can check out. I'm telling you almost

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Speaker 2: to me, So I'm telling everyone listening to check back in.

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Speaker 2: You can still enforce change. So they're proposing for these

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Speaker 2: changes to occur as of July first, like there are

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Speaker 2: opportunities with really just at our local, our state government

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Speaker 2: that impacts what happens even on federal levels. So yes,

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Speaker 2: to your point. When this administration shares things, I'm saying

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Speaker 2: this for everyone listening, it could feel like that's it.

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Speaker 2: That's how they drop announcements these days. I ain't see

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Speaker 2: nothing about it. Now you will think that there's no

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Speaker 2: judicial process. What I do appreciate is that there are

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Speaker 2: still judges and there are still courts that are cutting

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Speaker 2: this stuff down the side. They put out an announcement

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Speaker 2: and then you got to stay with the news, right,

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Speaker 2: you got to see that the courts over said, no,

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Speaker 2: overrided it. No Congress stepped in. So I'd be like, Lord,

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Speaker 2: thank you for letting somebody be there normal.

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Speaker 1: So that feels like it could be like an intervention

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Speaker 1: point is to actually, like when you talk about writing

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Speaker 1: letters to Congress or getting on the phone and calling

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Speaker 1: your congress son, this is an opportunity because this is

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Speaker 1: not something that has been signed into lawduss, Well, I do.

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Speaker 2: I can even share with your team what I share

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Speaker 2: out on my Monday classes of how they can get

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Speaker 2: into contact with people who would make a change in

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Speaker 2: this space. So yes, I'll get that information over to

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Speaker 2: you guys, because we can still do something and you

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Speaker 2: have to be annoyingt and you have to call, and

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Speaker 2: you have to be documenting, but you still have to

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Speaker 2: be professional, like we don't want a bunch of people

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Speaker 2: calling up there customing you know, things of that nature. Literally,

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Speaker 2: I gave my students a script what to say, what

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Speaker 2: to do, hang up? Yeah, okay. Change.

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Speaker 1: So it sounds like, you know, this is changing the

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Speaker 1: ways that you're having conversations with your students about maybe

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Speaker 1: would they even want to pursue? Right, So, if I'm

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Speaker 1: somebody who has dreamed of being a psychologist and now

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Speaker 1: maybe I find with this, you know, maybe proposed change,

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Speaker 1: I have to think about funding differently, right, because I

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Speaker 1: know for a lot of people psychologists specifically, like there

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Speaker 1: was a forgiveness program and you may know more about

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Speaker 1: this ten years than your loans were forgiven. And that's

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Speaker 1: something that's also on the shopping block as a potential

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Speaker 1: that's going to go away.

434
00:22:22,080 --> 00:22:25,199
Speaker 2: There's a program called Public Service Loan Forgiveness, yes, and

435
00:22:25,240 --> 00:22:27,040
Speaker 2: it doesn't necessarily have to be rural. It just has

436
00:22:27,080 --> 00:22:29,760
Speaker 2: to be a nonprofit or not for profit. That program

437
00:22:29,760 --> 00:22:32,800
Speaker 2: did not get clipped or cut. That is still through Congress.

438
00:22:33,080 --> 00:22:35,239
Speaker 2: So I need everyone listening to know that there are

439
00:22:35,240 --> 00:22:38,600
Speaker 2: two types of programs, a Congress program and a Department

440
00:22:38,640 --> 00:22:42,520
Speaker 2: of Education program. Department of Education programs can be changed,

441
00:22:42,720 --> 00:22:47,280
Speaker 2: clip cut, modified per administration. Public Service Loan Forgiveness is

442
00:22:47,320 --> 00:22:48,880
Speaker 2: a Congress program. So we're good.

443
00:22:49,760 --> 00:23:01,159
Speaker 1: More from our conversation after the break. But I do

444
00:23:01,240 --> 00:23:03,760
Speaker 1: think Stilvi, it's back to my original point of you know,

445
00:23:03,880 --> 00:23:07,400
Speaker 1: I think this could lend itself to people thinking differently

446
00:23:07,440 --> 00:23:10,280
Speaker 1: about like what kinds of things they want to pursue

447
00:23:10,400 --> 00:23:13,240
Speaker 1: in terms of career. Because you mentioned you haven't seen

448
00:23:13,280 --> 00:23:15,879
Speaker 1: it so much kind of getting cut at the bachelor's level,

449
00:23:15,920 --> 00:23:18,359
Speaker 1: but a lot of these programs that you're talking about.

450
00:23:18,359 --> 00:23:21,199
Speaker 1: There's very little that you can do with a bachelor's

451
00:23:21,280 --> 00:23:23,480
Speaker 1: in psychology, right, like you have to get a master

452
00:23:23,600 --> 00:23:25,919
Speaker 1: that leads to be able to practice and stuff. And

453
00:23:25,960 --> 00:23:28,359
Speaker 1: so what kinds of conversations are how are you helping

454
00:23:28,359 --> 00:23:29,640
Speaker 1: your students think through.

455
00:23:29,920 --> 00:23:32,399
Speaker 2: A lot of our clients are already done with school.

456
00:23:32,520 --> 00:23:35,720
Speaker 2: So I bring these conversations to our platform because we

457
00:23:35,760 --> 00:23:37,680
Speaker 2: were working with a lot of parents and a lot

458
00:23:37,720 --> 00:23:40,119
Speaker 2: of people who are investing in their loved ones that

459
00:23:40,160 --> 00:23:42,800
Speaker 2: are going to school. To answer your question, what I

460
00:23:42,840 --> 00:23:45,679
Speaker 2: would advise anyone listening that's think about going to school

461
00:23:45,680 --> 00:23:48,280
Speaker 2: for their masters or their doctoral degree, Let's just make

462
00:23:48,320 --> 00:23:50,600
Speaker 2: sure we have enough funding to be able to cover it,

463
00:23:50,760 --> 00:23:54,800
Speaker 2: because they cut out what's called grad plus funding, which

464
00:23:54,920 --> 00:23:58,879
Speaker 2: is very significant to pay for your master's or doctoral

465
00:23:58,960 --> 00:24:04,160
Speaker 2: level degrees. Also, the thing is someone could still go

466
00:24:04,600 --> 00:24:07,960
Speaker 2: for a master's or a doctoral degree, but it's probably

467
00:24:07,960 --> 00:24:10,680
Speaker 2: going to require them to work and go to school.

468
00:24:10,960 --> 00:24:13,000
Speaker 2: So before you could just do one or the other

469
00:24:13,160 --> 00:24:16,320
Speaker 2: because there was enough funding to support your lifestyle while

470
00:24:16,400 --> 00:24:19,639
Speaker 2: you were in school. But now it's not the case.

471
00:24:19,680 --> 00:24:21,720
Speaker 2: And I want to also say this, can we find

472
00:24:21,720 --> 00:24:23,919
Speaker 2: someone else to pay for school. Can we find an

473
00:24:23,920 --> 00:24:26,080
Speaker 2: employer to help us pay because there are employers that

474
00:24:26,119 --> 00:24:28,160
Speaker 2: will help you pay for write offs too, And that's

475
00:24:28,240 --> 00:24:31,320
Speaker 2: one thing I think this is underutilized. I've often seen

476
00:24:31,400 --> 00:24:34,439
Speaker 2: people get a master it's not really doctoral degree, but

477
00:24:34,480 --> 00:24:36,920
Speaker 2: a master's and then not even work in the field,

478
00:24:37,080 --> 00:24:39,760
Speaker 2: Like why do we take this degree on? So we

479
00:24:39,840 --> 00:24:42,640
Speaker 2: need to make sure that people have a clear understanding

480
00:24:43,040 --> 00:24:46,080
Speaker 2: before borrowing at this level what it is that they

481
00:24:46,119 --> 00:24:48,280
Speaker 2: want to do in the world. Too. This is not

482
00:24:48,440 --> 00:24:52,560
Speaker 2: the season to enroll and then figure it out. This

483
00:24:52,720 --> 00:24:57,040
Speaker 2: is the season to have things pretty already figured out

484
00:24:57,040 --> 00:24:58,720
Speaker 2: and then wrong? Am I saying that right, doctor Jory?

485
00:24:58,720 --> 00:25:01,119
Speaker 2: Because you know if this happened to you, but it

486
00:25:01,160 --> 00:25:03,520
Speaker 2: happened to me in my undergrad In my undergrad I

487
00:25:03,640 --> 00:25:06,919
Speaker 2: was a psychology major, Yes I was. I got to

488
00:25:07,000 --> 00:25:09,760
Speaker 2: my junior year, I tell you, and I could not

489
00:25:10,080 --> 00:25:13,200
Speaker 2: pass the class called methods. I had to the staff

490
00:25:13,280 --> 00:25:16,600
Speaker 2: cuss yet methods. And then there was another class I

491
00:25:16,640 --> 00:25:19,000
Speaker 2: couldn't pass. It was too I had to keep a

492
00:25:19,080 --> 00:25:21,040
Speaker 2: rat alive. What was that class called?

493
00:25:21,119 --> 00:25:23,440
Speaker 1: Oh, experimential psychology? Uh huh.

494
00:25:23,640 --> 00:25:26,240
Speaker 2: I couldn't pay it, can't pass it. And I was

495
00:25:26,280 --> 00:25:28,199
Speaker 2: on a scholarship too, and they were about to take

496
00:25:28,240 --> 00:25:31,080
Speaker 2: my scholarship because I couldn't pass a class, and I said,

497
00:25:31,200 --> 00:25:33,760
Speaker 2: may not be for me, So then I had to pivot.

498
00:25:34,080 --> 00:25:36,760
Speaker 2: My bachelor's is in anthropology, but the core of it,

499
00:25:36,920 --> 00:25:39,600
Speaker 2: what I really really wanted to be, doctor Joy was

500
00:25:39,640 --> 00:25:42,720
Speaker 2: a teacher. But there was a negative connotation that teachers

501
00:25:42,760 --> 00:25:46,440
Speaker 2: don't make money. All the people in my family are teachers.

502
00:25:46,520 --> 00:25:48,840
Speaker 2: But I think that I wish that there was an

503
00:25:48,880 --> 00:25:52,080
Speaker 2: opportunity to have some more coaching career coaching for myself

504
00:25:52,119 --> 00:25:53,840
Speaker 2: at that point around what did I want to be

505
00:25:54,000 --> 00:25:56,680
Speaker 2: or do before going into college. So I'm using the

506
00:25:56,720 --> 00:25:59,919
Speaker 2: story to say anyone listening to has children, family members,

507
00:26:00,200 --> 00:26:02,960
Speaker 2: we have to sit our young people down and ask

508
00:26:03,119 --> 00:26:05,760
Speaker 2: them what do you want to be? What would make

509
00:26:05,840 --> 00:26:10,879
Speaker 2: you happy before just allowing our students to just blindly

510
00:26:10,960 --> 00:26:13,520
Speaker 2: study and figure it out. It's a hard thing is

511
00:26:13,600 --> 00:26:16,440
Speaker 2: the times are changing. There's not an infinite amount of

512
00:26:16,440 --> 00:26:18,760
Speaker 2: money anymore to be able to just kind of figure

513
00:26:18,760 --> 00:26:19,280
Speaker 2: stuff out.

514
00:26:19,440 --> 00:26:22,359
Speaker 1: Yeah, yeah, it does feel like because I think historically,

515
00:26:22,440 --> 00:26:24,560
Speaker 1: you know, college is a time where you explore, right, like,

516
00:26:24,680 --> 00:26:26,080
Speaker 1: I don't know what I want to do. That's why

517
00:26:26,119 --> 00:26:27,960
Speaker 1: you take a bunch of stuff, right, and you're saying

518
00:26:28,000 --> 00:26:30,760
Speaker 1: the landscape has changed so much that it's expensive to

519
00:26:30,800 --> 00:26:33,159
Speaker 1: try to explore like at that point, right, Like the

520
00:26:33,200 --> 00:26:36,560
Speaker 1: exploration almost has to happen ahead of time before you

521
00:26:36,760 --> 00:26:39,120
Speaker 1: spend a bunch of money pursuing something that's not going

522
00:26:39,200 --> 00:26:40,480
Speaker 1: to be a good bail for you.

523
00:26:40,760 --> 00:26:45,000
Speaker 2: Yeah, internships can help with that. Pre college experience can

524
00:26:45,000 --> 00:26:47,439
Speaker 2: help with that. I would rather someone go to a

525
00:26:47,440 --> 00:26:52,280
Speaker 2: community college before a traditional college to alleviate costs with that.

526
00:26:52,640 --> 00:26:56,800
Speaker 2: There has to be a way to explore without putting

527
00:26:56,800 --> 00:26:59,600
Speaker 2: out all of that cost because that money is so

528
00:27:00,200 --> 00:27:02,880
Speaker 2: short now that that pool of money is no longer

529
00:27:02,920 --> 00:27:04,119
Speaker 2: available like it once was.

530
00:27:05,520 --> 00:27:07,679
Speaker 1: You mentioned doctor lewis an option, and I would love

531
00:27:07,760 --> 00:27:09,480
Speaker 1: to hear other things maybe that you share with your

532
00:27:09,480 --> 00:27:12,560
Speaker 1: students in terms of looking at like employers who will

533
00:27:12,560 --> 00:27:15,080
Speaker 1: sometimes help you to pay for the cost of schooling.

534
00:27:15,119 --> 00:27:18,119
Speaker 1: Are there other creative things that people should be exploring

535
00:27:18,359 --> 00:27:20,359
Speaker 1: that maybe they're not aware of in terms of finding

536
00:27:20,359 --> 00:27:21,919
Speaker 1: other entities to pay for a school.

537
00:27:22,040 --> 00:27:24,320
Speaker 2: Well, I think that let's just go back to employment.

538
00:27:24,640 --> 00:27:27,400
Speaker 2: You ever look at your employment policy and they say

539
00:27:27,440 --> 00:27:31,040
Speaker 2: that they'll help you with tuition reimbursement. You know, you

540
00:27:31,119 --> 00:27:33,560
Speaker 2: can propose to your lawyer, and I don't have it

541
00:27:33,600 --> 00:27:36,480
Speaker 2: in front of me, so just use chat, GPT or

542
00:27:36,600 --> 00:27:39,119
Speaker 2: you know, just find this out. But you could take

543
00:27:39,240 --> 00:27:44,359
Speaker 2: that same policy and ask them for student loan reimbursement.

544
00:27:44,640 --> 00:27:49,920
Speaker 2: Employers are able to reimburse student loans the same way

545
00:27:50,000 --> 00:27:53,200
Speaker 2: they give up front for tuition, but people don't think

546
00:27:53,240 --> 00:27:56,399
Speaker 2: to ask that because it's not a common practice. But

547
00:27:56,480 --> 00:27:59,360
Speaker 2: I dare someone listening to have a meeting with your

548
00:27:59,400 --> 00:28:02,840
Speaker 2: manager and say, I see that there is a tuition

549
00:28:02,960 --> 00:28:06,120
Speaker 2: re imbursement policy, but what's missing is a student loan

550
00:28:06,160 --> 00:28:08,840
Speaker 2: re imbursement policy. Is there any way that could be

551
00:28:09,040 --> 00:28:11,040
Speaker 2: consider if I was able to show proof that I'm

552
00:28:11,040 --> 00:28:12,160
Speaker 2: paying on my student.

553
00:28:11,880 --> 00:28:14,680
Speaker 1: Loans, doesn't hurt this questions there.

554
00:28:14,920 --> 00:28:17,399
Speaker 2: This is actually something that's in the text code that

555
00:28:17,480 --> 00:28:20,160
Speaker 2: allows employers to do this. And when I found this out,

556
00:28:20,359 --> 00:28:22,720
Speaker 2: I was like, oh wow. I was like, I wonder

557
00:28:22,760 --> 00:28:26,240
Speaker 2: why more employers don't use it as a tool for hiring.

558
00:28:26,720 --> 00:28:29,720
Speaker 2: So we just have to access number one. Number two,

559
00:28:29,880 --> 00:28:33,200
Speaker 2: doctor joy, something I've done in my real life. Anyone listening,

560
00:28:33,240 --> 00:28:35,560
Speaker 2: did you all just starting to negotiate in some things

561
00:28:35,680 --> 00:28:39,400
Speaker 2: in your raises and your bonuses when you are please

562
00:28:39,400 --> 00:28:41,640
Speaker 2: don't do this if you're not the best at your job. Okay,

563
00:28:41,920 --> 00:28:44,960
Speaker 2: so that's my carry. I got to be sharp. So

564
00:28:45,120 --> 00:28:47,239
Speaker 2: I was really really good when I was working at

565
00:28:47,240 --> 00:28:50,760
Speaker 2: the college, and I can say that when complained about it.

566
00:28:50,840 --> 00:28:54,880
Speaker 2: I really love my job. And I realized that the

567
00:28:55,080 --> 00:28:57,880
Speaker 2: metrics that were set up for bonuses and raises that

568
00:28:57,960 --> 00:28:59,960
Speaker 2: were just a little low for me. And I was

569
00:29:00,080 --> 00:29:01,760
Speaker 2: doing the work of like two or three reps. I

570
00:29:01,800 --> 00:29:05,160
Speaker 2: was working in college admissions, and I just simply asked,

571
00:29:05,280 --> 00:29:08,200
Speaker 2: I said, hey, listen, just wondering if there's a space

572
00:29:08,240 --> 00:29:11,560
Speaker 2: for a couple extra thousand for my bonus this year,

573
00:29:11,680 --> 00:29:14,200
Speaker 2: said my student loan payments have gone up. That was

574
00:29:14,240 --> 00:29:18,000
Speaker 2: my sact words. I just asked. But I was really

575
00:29:18,000 --> 00:29:20,760
Speaker 2: good at my job, and I said, please don't answer now.

576
00:29:21,000 --> 00:29:22,680
Speaker 2: I say, if you want to mean about it and

577
00:29:22,800 --> 00:29:26,160
Speaker 2: get back to me. I'm laughing because that was a

578
00:29:26,200 --> 00:29:29,800
Speaker 2: lot of audacity in my twenty something years alife. But girl,

579
00:29:29,840 --> 00:29:32,840
Speaker 2: my payments went up. I needed to acts right, and

580
00:29:32,920 --> 00:29:35,360
Speaker 2: they came back and say yes. So I don't know.

581
00:29:35,440 --> 00:29:38,800
Speaker 2: I'm just saying some unconventional conversations might need to happen

582
00:29:38,880 --> 00:29:43,360
Speaker 2: this season because employers want to retain good talent, right, Okay,

583
00:29:43,520 --> 00:29:46,640
Speaker 2: So if someone's listening that's not eligible for public service

584
00:29:46,680 --> 00:29:51,400
Speaker 2: on forgiveness and they already do charitable good work and

585
00:29:51,480 --> 00:29:54,200
Speaker 2: they want to have their own nonprofit, Like, don't just

586
00:29:54,240 --> 00:29:56,760
Speaker 2: start a nonprofit for the sake of getting your loans forgiven.

587
00:29:57,160 --> 00:30:00,080
Speaker 2: But if you have a nonprofit or you're starting one

588
00:30:00,160 --> 00:30:02,480
Speaker 2: and you have a board, you've taken the time to

589
00:30:02,600 --> 00:30:06,600
Speaker 2: formalize it legally and you're compliant, your board member could

590
00:30:06,640 --> 00:30:09,640
Speaker 2: sign off for you to get credit towards public service

591
00:30:09,680 --> 00:30:12,160
Speaker 2: loan forgiveness. So there are quite a few thousand people

592
00:30:12,200 --> 00:30:14,600
Speaker 2: we've helped with this. What I appreciate is I know

593
00:30:14,680 --> 00:30:18,480
Speaker 2: that we impact change because I noticed that the studentad

594
00:30:18,560 --> 00:30:22,600
Speaker 2: dot gov website started changing their verbiage around what to

595
00:30:22,640 --> 00:30:24,800
Speaker 2: do if you have your own nonprofit and how to

596
00:30:24,800 --> 00:30:26,880
Speaker 2: be compliant. I was like, I know we impacted some

597
00:30:26,960 --> 00:30:29,240
Speaker 2: things in the world. You get tell me nothing. But anyway, Also,

598
00:30:29,320 --> 00:30:32,480
Speaker 2: at this time, we were doing a lot of work

599
00:30:32,520 --> 00:30:35,720
Speaker 2: with the Biden administration and Secretary of Cardona or how

600
00:30:35,760 --> 00:30:39,000
Speaker 2: we miss them so much, So it wasn't unbeknownst to

601
00:30:39,040 --> 00:30:40,520
Speaker 2: me that there could have been someone on our free

602
00:30:40,560 --> 00:30:42,880
Speaker 2: class hearing us talk about that, because we do have

603
00:30:43,000 --> 00:30:46,560
Speaker 2: people that, especially those that are listening to your podcasts

604
00:30:46,560 --> 00:30:49,680
Speaker 2: that are therapists. You know, sometimes it's hard for therapists

605
00:30:49,720 --> 00:30:52,880
Speaker 2: to get qualified for PSL left because they're doing private work.

606
00:30:53,200 --> 00:30:56,120
Speaker 2: But what if you're listening and you have your own

607
00:30:56,200 --> 00:30:59,080
Speaker 2: nonprofit and you do do great work in the community,

608
00:30:59,400 --> 00:31:02,640
Speaker 2: could one from your boards sign off to be able

609
00:31:02,760 --> 00:31:06,520
Speaker 2: to attest to you working in this nonprofit. Just thought.

610
00:31:06,680 --> 00:31:09,080
Speaker 2: If we're thinking about going back to school, I think

611
00:31:09,120 --> 00:31:11,800
Speaker 2: what I see is that a lot of my older

612
00:31:11,840 --> 00:31:14,640
Speaker 2: students that are going back for a master's or a

613
00:31:14,680 --> 00:31:18,280
Speaker 2: doctoral degree feel a little like embarrassed, if you will,

614
00:31:18,480 --> 00:31:22,680
Speaker 2: or a little ashamed for going towards scholarships because they

615
00:31:22,680 --> 00:31:25,400
Speaker 2: feel like that's not something for older people, and it's

616
00:31:25,480 --> 00:31:27,640
Speaker 2: like who gave you that? I like to take that

617
00:31:27,680 --> 00:31:29,960
Speaker 2: away from them today, so that a way this year

618
00:31:30,920 --> 00:31:33,880
Speaker 2: and go apply for some money. So we have something

619
00:31:33,880 --> 00:31:36,320
Speaker 2: in our community called don't be weird. And I say

620
00:31:36,320 --> 00:31:38,440
Speaker 2: this to my students. People say the all the time,

621
00:31:38,680 --> 00:31:43,360
Speaker 2: Doctor Lewis. When I worked at the hospital in twenty fifteen,

622
00:31:43,880 --> 00:31:46,000
Speaker 2: I left there, But I don't know if they liked

623
00:31:46,000 --> 00:31:48,040
Speaker 2: me when I worked there, Like did you work did

624
00:31:48,080 --> 00:31:50,560
Speaker 2: you work there for thirty hours? Or your student loans

625
00:31:50,560 --> 00:31:53,680
Speaker 2: and good standing? Did you work there? Yes? Like, go

626
00:31:53,720 --> 00:31:57,120
Speaker 2: get your paperwork signed, and let's get this credit towards forgiveness.

627
00:31:57,240 --> 00:31:59,480
Speaker 2: So I do want to say that, because I didn't

628
00:31:59,480 --> 00:32:02,400
Speaker 2: say that early. Anyone listening that worked in a qualifying

629
00:32:02,400 --> 00:32:05,320
Speaker 2: field nonprofit or not for profit two thousand and seven.

630
00:32:05,360 --> 00:32:08,120
Speaker 2: In twenty and twenty two, you can go back to

631
00:32:08,200 --> 00:32:10,480
Speaker 2: your employer you work there at least thirty hours a

632
00:32:10,480 --> 00:32:12,920
Speaker 2: week and have them sign off a testing that you

633
00:32:13,000 --> 00:32:15,920
Speaker 2: work there. It doesn't matter even if you never made

634
00:32:15,920 --> 00:32:17,880
Speaker 2: a student loan payment, as long as you work there,

635
00:32:17,880 --> 00:32:19,760
Speaker 2: your student loans were good standing, you worked there for

636
00:32:19,800 --> 00:32:22,720
Speaker 2: thirty hours a week, you can still get credit towards forgiveness.

637
00:32:22,760 --> 00:32:25,480
Speaker 2: And that that program public service on forgiveness because people

638
00:32:25,560 --> 00:32:28,680
Speaker 2: will forget that they work places, or they think because

639
00:32:28,880 --> 00:32:31,280
Speaker 2: they left and they don't remember leaving on the best terms,

640
00:32:31,400 --> 00:32:34,760
Speaker 2: or did you work there? Where are you're a good

641
00:32:34,760 --> 00:32:37,200
Speaker 2: standing thirty hours a week? Go get your credit? You

642
00:32:37,240 --> 00:32:38,840
Speaker 2: know what I mean? People we get forgiven a week

643
00:32:38,880 --> 00:32:41,640
Speaker 2: with that program, about like sixty people a week get

644
00:32:41,680 --> 00:32:43,640
Speaker 2: forgiven just for that one. They got to go do

645
00:32:43,720 --> 00:32:45,120
Speaker 2: the work right, they got to go get a sign.

646
00:32:45,240 --> 00:32:48,480
Speaker 2: Then one lady, oh my god, God bless her, almost

647
00:32:48,560 --> 00:32:52,120
Speaker 2: blocked her. She kept messaging me and she just kept saying,

648
00:32:52,400 --> 00:32:54,880
Speaker 2: I just feel uncomfortable reaching out to them. It's been

649
00:32:54,960 --> 00:32:56,720
Speaker 2: so long ago. I told her, I said, this is

650
00:32:56,760 --> 00:32:59,440
Speaker 2: my last time responding. I said, you need to go

651
00:32:59,480 --> 00:33:02,160
Speaker 2: do the work all right, fast work I'm speaking at

652
00:33:02,280 --> 00:33:04,479
Speaker 2: I think invest fast or something I don't know. And

653
00:33:04,520 --> 00:33:07,320
Speaker 2: she like flew in just to give me a hug,

654
00:33:07,440 --> 00:33:10,160
Speaker 2: and she said, thank you for not blocking me. She said,

655
00:33:10,200 --> 00:33:12,959
Speaker 2: I wanted to tell you because you motivated me to

656
00:33:13,080 --> 00:33:15,200
Speaker 2: go and to get my paperwork signed. She got two

657
00:33:15,320 --> 00:33:17,800
Speaker 2: hundred and fifty thousand forgiven. So we were say in

658
00:33:17,800 --> 00:33:19,840
Speaker 2: our community, don't be weird, go get your paywork cred.

659
00:33:20,160 --> 00:33:22,800
Speaker 2: So anyone listening, I'm telling you right now that has

660
00:33:22,880 --> 00:33:26,920
Speaker 2: some work history that they have not claimed towards forgiveness

661
00:33:26,960 --> 00:33:30,360
Speaker 2: and that window is still open to get that paperwork sign.

662
00:33:30,720 --> 00:33:32,920
Speaker 1: So where did you start this process? Like is this

663
00:33:33,000 --> 00:33:36,320
Speaker 1: something that still exists on the studioa dotm website? So

664
00:33:36,360 --> 00:33:38,760
Speaker 1: what should people look for to like maybe check on

665
00:33:38,840 --> 00:33:40,320
Speaker 1: this studenta.

666
00:33:40,040 --> 00:33:44,000
Speaker 2: Dot up and then type in TEPSL left so Temporary

667
00:33:44,200 --> 00:33:47,920
Speaker 2: Expanded Public Service Loan Forgiveness. The form will come up

668
00:33:48,480 --> 00:33:50,360
Speaker 2: and then you just go to your You want to

669
00:33:50,360 --> 00:33:52,920
Speaker 2: fill out the first one or two pages, but there's

670
00:33:52,960 --> 00:33:57,120
Speaker 2: an employer section. All we need is their name, their email,

671
00:33:57,200 --> 00:34:00,640
Speaker 2: their phone number, their signature they're testing. The middle hours

672
00:34:00,680 --> 00:34:02,480
Speaker 2: a week is thirty hours a week for that time

673
00:34:02,520 --> 00:34:05,280
Speaker 2: period two thousand and seven to twenty twenty two. Okay,

674
00:34:05,280 --> 00:34:07,920
Speaker 2: here's the next question. Well, what if they closed? What

675
00:34:08,000 --> 00:34:10,360
Speaker 2: if my manager no longer works there? Errol, don't you

676
00:34:10,400 --> 00:34:14,200
Speaker 2: know it's something called Facebook LinkedIn Instagram. Most times we're

677
00:34:14,200 --> 00:34:19,239
Speaker 2: in connection with our old employers and some capacity. But

678
00:34:19,280 --> 00:34:22,680
Speaker 2: go find the people that used to work in management

679
00:34:22,960 --> 00:34:25,640
Speaker 2: HR at those jobs.

680
00:34:25,880 --> 00:34:28,200
Speaker 1: So it doesn't need to be like your direct boss.

681
00:34:28,200 --> 00:34:30,279
Speaker 1: It could be somebody who was in HR over the

682
00:34:30,440 --> 00:34:33,239
Speaker 1: entire company that didn't even have any And even if

683
00:34:33,239 --> 00:34:35,520
Speaker 1: you never knew them, they should still have your records, right,

684
00:34:35,560 --> 00:34:37,359
Speaker 1: so they can still pull it up and say, yes,

685
00:34:37,400 --> 00:34:39,800
Speaker 1: I can see this person worked there from this date.

686
00:34:39,719 --> 00:34:41,920
Speaker 2: To this day. Doctor Joey. There's a lot of women

687
00:34:41,960 --> 00:34:45,399
Speaker 2: that listen to this podcast. Ladies. If somebody was coming

688
00:34:45,400 --> 00:34:48,719
Speaker 2: after your men, he was fuying her. But pull up

689
00:34:50,160 --> 00:34:52,960
Speaker 2: somebody listening. Let's say they owe three hundred thousand study loans.

690
00:34:53,960 --> 00:34:56,960
Speaker 2: Act like the person to this signature owes you three

691
00:34:57,000 --> 00:35:00,719
Speaker 2: hundred thousand dollars, because they do. We need to get

692
00:35:00,800 --> 00:35:03,279
Speaker 2: rid of these student loans. Go find someone to sign this.

693
00:35:03,880 --> 00:35:06,640
Speaker 2: You want it to be if possible with signature, or

694
00:35:06,719 --> 00:35:08,960
Speaker 2: you can like email the form. They could scan it back.

695
00:35:09,040 --> 00:35:12,200
Speaker 2: In my experience, like, but not to be funny, you

696
00:35:12,320 --> 00:35:14,640
Speaker 2: might need to pull up on the job, like, go

697
00:35:14,719 --> 00:35:17,360
Speaker 2: get a signature. Yeah, three hundred thousand is on the

698
00:35:17,400 --> 00:35:20,719
Speaker 2: line here, You've got time. So that's why I tell

699
00:35:20,760 --> 00:35:23,520
Speaker 2: people when we start framing it that way, you'd be

700
00:35:23,560 --> 00:35:26,360
Speaker 2: surprised we saw all these signatures coming through our community.

701
00:35:27,440 --> 00:35:27,960
Speaker 1: I love that.

702
00:35:28,160 --> 00:35:30,279
Speaker 2: I love that I'm here to be respected. So why

703
00:35:30,280 --> 00:35:33,960
Speaker 2: I'm pleasant, I'm very straightforward in this community because these

704
00:35:34,000 --> 00:35:36,600
Speaker 2: are adults that we do not have time to coddle

705
00:35:36,680 --> 00:35:40,120
Speaker 2: in the world. Their student loan forgiveness is dependent upon

706
00:35:40,200 --> 00:35:42,960
Speaker 2: home buying. It's depending upon the people that are counting

707
00:35:43,000 --> 00:35:45,200
Speaker 2: on them. So why we do not have the time

708
00:35:45,239 --> 00:35:47,879
Speaker 2: to baby people in this community. So yes, we're giving

709
00:35:47,880 --> 00:35:48,800
Speaker 2: it to straight today.

710
00:35:49,040 --> 00:35:51,080
Speaker 1: Yes, So I love the example that you're giving me

711
00:35:51,120 --> 00:35:53,319
Speaker 1: because I do think like you mentioned, right, like, there

712
00:35:53,320 --> 00:35:55,640
Speaker 1: are so many stories that we create in our heads

713
00:35:55,719 --> 00:35:58,000
Speaker 1: that are not based in any truth, but are often

714
00:35:58,080 --> 00:36:01,480
Speaker 1: based in fear or like anxiety or insecurity. Are there

715
00:36:01,520 --> 00:36:03,480
Speaker 1: other things that you find yourself kind of having to

716
00:36:03,560 --> 00:36:07,239
Speaker 1: challenge people around in the best interests of you know,

717
00:36:07,320 --> 00:36:09,240
Speaker 1: kind of going after their money or getting the support

718
00:36:09,280 --> 00:36:09,600
Speaker 1: they need.

719
00:36:09,719 --> 00:36:11,600
Speaker 2: This is True Therapy podcast And by the way, I

720
00:36:11,640 --> 00:36:15,640
Speaker 2: really do love your brodcast. Listen, this is up here

721
00:36:15,719 --> 00:36:19,120
Speaker 2: near over with me, honey. So there's this conversation with

722
00:36:19,360 --> 00:36:21,520
Speaker 2: money that I was having with myself that I didn't

723
00:36:21,520 --> 00:36:23,719
Speaker 2: know I was having. Now I'm working some stuff out

724
00:36:23,760 --> 00:36:26,400
Speaker 2: because I was telling my therapists, but from going from

725
00:36:26,600 --> 00:36:28,880
Speaker 2: overdrafting like I used to overdraft my account, like I

726
00:36:29,120 --> 00:36:32,000
Speaker 2: planned for that all right, so my account is overdraft

727
00:36:32,239 --> 00:36:34,839
Speaker 2: to now I don't overdraft. Now I'm in surplus. I

728
00:36:34,880 --> 00:36:37,040
Speaker 2: do very well with money, right, but there's still some

729
00:36:37,160 --> 00:36:39,879
Speaker 2: broke behaviors that are showing up in my life, right,

730
00:36:39,920 --> 00:36:42,960
Speaker 2: Like why is this still showing up? And it's because

731
00:36:43,200 --> 00:36:45,800
Speaker 2: even though I have some money, and even though I

732
00:36:46,040 --> 00:36:48,400
Speaker 2: pay my bills on all the pay you know, there's still

733
00:36:48,520 --> 00:36:50,960
Speaker 2: a thing that I haven't let go, which is a

734
00:36:51,000 --> 00:36:54,239
Speaker 2: scarcity mindset. And so what I'm seeing here with those

735
00:36:54,360 --> 00:36:57,239
Speaker 2: that are figuring out their student loans. Some people, yes,

736
00:36:57,400 --> 00:37:00,359
Speaker 2: cannot afford to pay their stud loans, Yes I agree,

737
00:37:00,520 --> 00:37:03,400
Speaker 2: but there are some people who can. And that there's

738
00:37:03,480 --> 00:37:06,439
Speaker 2: this old stigma that you don't have to pay them back.

739
00:37:06,480 --> 00:37:08,520
Speaker 2: You're not going to pay them back. You may not

740
00:37:08,560 --> 00:37:10,680
Speaker 2: be using the degree, why should you pay it back?

741
00:37:10,880 --> 00:37:14,120
Speaker 2: And the only person that's hurting is themselves. You're hurting

742
00:37:14,160 --> 00:37:16,520
Speaker 2: you right now. If you're listening, you're hurting you. You're

743
00:37:16,600 --> 00:37:19,880
Speaker 2: not keeping up with your counterparts who are in the

744
00:37:19,920 --> 00:37:24,359
Speaker 2: world that are buying homes, investment properties, crypto whatever, we're

745
00:37:24,400 --> 00:37:27,359
Speaker 2: doing right with our moneyes and we have to doctor Joey.

746
00:37:27,560 --> 00:37:30,920
Speaker 2: We've got to start having some real conversations to say,

747
00:37:32,000 --> 00:37:34,439
Speaker 2: let's figure out what we can afford. Let's figure out

748
00:37:34,440 --> 00:37:36,600
Speaker 2: what we can do with our student loans so we're

749
00:37:36,640 --> 00:37:40,879
Speaker 2: not left behind in this ecosystem. Because the student loans

750
00:37:40,920 --> 00:37:43,440
Speaker 2: shows up with the credit, it shows up with the

751
00:37:43,480 --> 00:37:45,880
Speaker 2: home buying, it shows up when it's time to invest,

752
00:37:46,239 --> 00:37:48,560
Speaker 2: it shows up if your child needs you later on.

753
00:37:48,960 --> 00:37:53,280
Speaker 2: So we've got to overcome these conversations about money with ourselves,

754
00:37:53,320 --> 00:37:56,560
Speaker 2: and I think that for anyone that truly believes in therapy,

755
00:37:56,880 --> 00:37:59,600
Speaker 2: I would like for them to ask themselves what are

756
00:37:59,600 --> 00:38:02,000
Speaker 2: their thoughts about money this year and let that be

757
00:38:02,040 --> 00:38:05,319
Speaker 2: a conversation to work through with their therapists, because it's

758
00:38:05,360 --> 00:38:08,879
Speaker 2: starting to play a role into what people are are

759
00:38:08,960 --> 00:38:11,279
Speaker 2: not doing with these loans. So what's coming up for

760
00:38:11,400 --> 00:38:14,680
Speaker 2: me with our clients is we're not therapist. Let me

761
00:38:14,800 --> 00:38:16,960
Speaker 2: be clear, Okay, So we always take it back to

762
00:38:17,000 --> 00:38:20,000
Speaker 2: what is showing on student a dot gov and what

763
00:38:20,160 --> 00:38:22,640
Speaker 2: happens is before we can even talk about what a

764
00:38:22,680 --> 00:38:25,080
Speaker 2: payment could look like and figure out, you got to

765
00:38:25,120 --> 00:38:28,120
Speaker 2: hear the client for ten minutes talk about the shame

766
00:38:28,200 --> 00:38:31,239
Speaker 2: around what they borrowed or the feelings about what they

767
00:38:31,280 --> 00:38:34,640
Speaker 2: borrowed or and we let people talk. But the theme

768
00:38:34,920 --> 00:38:38,279
Speaker 2: is people it's like they feel bad. We want to

769
00:38:38,320 --> 00:38:40,759
Speaker 2: move them from feeling bad to empowerment to going to

770
00:38:40,960 --> 00:38:43,440
Speaker 2: doing something about this. So that's what's coming up a

771
00:38:43,440 --> 00:38:45,520
Speaker 2: lot for us right now. There's a lot of shame

772
00:38:45,560 --> 00:38:46,560
Speaker 2: around what people owe.

773
00:38:46,840 --> 00:38:49,400
Speaker 1: Yeah, yeah, I mean, and I think just historically we

774
00:38:49,520 --> 00:38:51,719
Speaker 1: know this, right like, there's a lot of shame just

775
00:38:51,760 --> 00:38:54,399
Speaker 1: around money, I think in general in our community, right,

776
00:38:54,440 --> 00:38:56,520
Speaker 1: like and and it does them from the scarcity and

777
00:38:56,600 --> 00:38:59,200
Speaker 1: like us just not having it historically, right, And so

778
00:38:59,360 --> 00:39:01,640
Speaker 1: now even if you do have some, they're all these

779
00:39:01,680 --> 00:39:05,880
Speaker 1: old messages, old stories that really need to be reconstructed.

780
00:39:06,160 --> 00:39:08,759
Speaker 1: Something you said made me think of For a long time,

781
00:39:08,800 --> 00:39:12,200
Speaker 1: people thought about student loans as good debt, right, like,

782
00:39:12,280 --> 00:39:14,600
Speaker 1: this is not something that you have to worry about, like, oh,

783
00:39:14,719 --> 00:39:17,120
Speaker 1: you can pay the least amount. And so I'm glad

784
00:39:17,120 --> 00:39:19,520
Speaker 1: that you keep bringing us back to like no, no, no, y'all,

785
00:39:19,560 --> 00:39:21,439
Speaker 1: Like this shows up on your credit report, Like there's

786
00:39:21,480 --> 00:39:24,120
Speaker 1: not a separate credit report that exists only for like

787
00:39:24,120 --> 00:39:26,960
Speaker 1: student loan stuff. It's all lumped in together with like

788
00:39:27,040 --> 00:39:30,319
Speaker 1: credit card and anything else that you have accumulated.

789
00:39:30,840 --> 00:39:35,480
Speaker 2: They're using defaulted loans as a metric they as in

790
00:39:35,640 --> 00:39:40,360
Speaker 2: government officials to not give people government clearances or jobs. Okay,

791
00:39:40,760 --> 00:39:42,560
Speaker 2: you could have and this is what's really crazy. You

792
00:39:42,600 --> 00:39:44,640
Speaker 2: could have went to school, you could have did, and

793
00:39:44,680 --> 00:39:47,359
Speaker 2: if you ever default on a student loan, you could

794
00:39:47,360 --> 00:39:51,080
Speaker 2: block yourself from a clearance with the government, even as

795
00:39:51,120 --> 00:39:54,120
Speaker 2: a contractor. And so that's keeping a lot of our

796
00:39:54,520 --> 00:39:57,279
Speaker 2: black and brown people from advancing because they didn't know.

797
00:39:57,680 --> 00:40:00,360
Speaker 2: Like I'm sharing it on this podcast. This happened like

798
00:40:00,680 --> 00:40:02,640
Speaker 2: in the last year at least like fifty of our

799
00:40:02,640 --> 00:40:05,880
Speaker 2: clients reported that they lost a job because of it, Like,

800
00:40:05,960 --> 00:40:08,880
Speaker 2: so they got hired. I'll use an example, Lackey Martin,

801
00:40:09,160 --> 00:40:13,560
Speaker 2: contractor of the government hires you, loves you, excited about you.

802
00:40:13,560 --> 00:40:15,880
Speaker 2: You can't pass the security clearance because of the default

803
00:40:15,920 --> 00:40:18,359
Speaker 2: is still a long yeah, yeah, what do you want

804
00:40:18,360 --> 00:40:20,880
Speaker 2: to do the like Also you can't like get it

805
00:40:20,960 --> 00:40:24,320
Speaker 2: out of default and like being reapplied, but you defaulted

806
00:40:24,520 --> 00:40:26,799
Speaker 2: at least once in your life. I feel like being

807
00:40:26,840 --> 00:40:30,200
Speaker 2: more talked about because people are going back into repayment

808
00:40:30,239 --> 00:40:33,319
Speaker 2: and are finding out a surge of it because now

809
00:40:33,400 --> 00:40:36,080
Speaker 2: people can actually be in default and that wasn't the

810
00:40:36,160 --> 00:40:37,520
Speaker 2: case in like the last five years.

811
00:40:37,560 --> 00:40:39,960
Speaker 1: Mm hmm, got it. There's so many more questions, but

812
00:40:40,000 --> 00:40:41,520
Speaker 1: I do want to I don't want to take up

813
00:40:41,520 --> 00:40:43,520
Speaker 1: your whole day, but I do want to make sure

814
00:40:43,560 --> 00:40:46,880
Speaker 1: we address you know, instead of going into default, Like

815
00:40:46,960 --> 00:40:49,640
Speaker 1: if you realize, okay, I just got laid off, this

816
00:40:49,680 --> 00:40:51,560
Speaker 1: is going to be difficult for me. What should people

817
00:40:51,640 --> 00:40:54,880
Speaker 1: do instead of defaulting on loans? Like what kinds of

818
00:40:55,160 --> 00:40:56,000
Speaker 1: options do you have.

819
00:40:56,080 --> 00:40:58,800
Speaker 2: First of let's just take a depreath, because life happens

820
00:40:58,880 --> 00:41:00,839
Speaker 2: right and you are not the lay off. It's about

821
00:41:00,880 --> 00:41:06,000
Speaker 2: tell people like stop to joy the layoff, be the layup. Okay, pocus.

822
00:41:07,239 --> 00:41:07,439
Speaker 1: Great.

823
00:41:08,080 --> 00:41:10,120
Speaker 2: But what I want people to know is that if

824
00:41:10,120 --> 00:41:13,000
Speaker 2: they can remember, because life is lifeing, they would go

825
00:41:13,040 --> 00:41:15,680
Speaker 2: into student hay dot GUV under the loan repayment tab,

826
00:41:16,120 --> 00:41:19,080
Speaker 2: click the income driven application and they're just going to

827
00:41:19,160 --> 00:41:21,960
Speaker 2: do an update or a new application. And there's a

828
00:41:22,040 --> 00:41:25,600
Speaker 2: question that says do you have taxable income? The answer

829
00:41:25,680 --> 00:41:27,600
Speaker 2: would be no. So you go through the applications like

830
00:41:27,640 --> 00:41:29,600
Speaker 2: on page three or four, do you have taxtble income? No.

831
00:41:30,320 --> 00:41:33,120
Speaker 2: You have to then check where it says do you

832
00:41:33,280 --> 00:41:37,440
Speaker 2: want your loan provider to do a manual review of

833
00:41:37,480 --> 00:41:41,720
Speaker 2: your income? You have to hit yes. Okay, so income

834
00:41:41,840 --> 00:41:45,799
Speaker 2: change or taxable income no, manual review? Yes? Has there

835
00:41:45,840 --> 00:41:48,959
Speaker 2: been any changes with your income? Yes? And then says

836
00:41:48,960 --> 00:41:52,160
Speaker 2: do you want your loan provider to do a manual review? Yes?

837
00:41:52,480 --> 00:41:56,359
Speaker 2: Do you have taxable income no? That's it so very

838
00:41:56,400 --> 00:41:59,359
Speaker 2: important how you answer those questions because those questions will

839
00:41:59,400 --> 00:42:02,000
Speaker 2: then trigger you to have a zero dollar payment for

840
00:42:02,040 --> 00:42:04,760
Speaker 2: the year. So that way you don't go into default.

841
00:42:05,080 --> 00:42:07,520
Speaker 2: They require no payment of you because we're saying that

842
00:42:07,560 --> 00:42:11,360
Speaker 2: there's a life change, there's no taxtbal income, We're fine.

843
00:42:11,560 --> 00:42:13,600
Speaker 2: So that's important for people to hear because if not,

844
00:42:14,000 --> 00:42:17,000
Speaker 2: most people won't do anything. They're in a headspace and

845
00:42:17,040 --> 00:42:20,200
Speaker 2: then they go into default and the application could have

846
00:42:20,239 --> 00:42:20,880
Speaker 2: taken care of that.

847
00:42:21,080 --> 00:42:23,440
Speaker 1: Okay, I appreciate you sharing that and walking us through

848
00:42:23,440 --> 00:42:23,919
Speaker 1: those tips.

849
00:42:23,960 --> 00:42:27,360
Speaker 2: Yeah, God's go like this. Let me say this, hopefully

850
00:42:27,360 --> 00:42:30,080
Speaker 2: people stay in touch with me after this episode because

851
00:42:30,800 --> 00:42:33,879
Speaker 2: every Monday apm eest we do a free class where

852
00:42:33,880 --> 00:42:36,120
Speaker 2: we literally log in the student aight dot gov together

853
00:42:36,560 --> 00:42:39,120
Speaker 2: and we see what's going on together. After I'm not

854
00:42:39,120 --> 00:42:42,000
Speaker 2: making this up. Every two weeks, they're changing that website

855
00:42:42,040 --> 00:42:45,800
Speaker 2: and application, so they're like re ordering the questions, very sneaky.

856
00:42:45,800 --> 00:42:48,920
Speaker 2: I don't like it because you might have heard me

857
00:42:49,000 --> 00:42:50,839
Speaker 2: say this before, but now you got to go click

858
00:42:50,880 --> 00:42:53,840
Speaker 2: another place. And so we just want people to stay

859
00:42:53,840 --> 00:42:56,600
Speaker 2: connected with us. And literally we have people that show

860
00:42:56,680 --> 00:42:59,239
Speaker 2: up for the last year every Monday because stuff is

861
00:42:59,320 --> 00:43:02,200
Speaker 2: changing all of the time. Where would you find out

862
00:43:02,239 --> 00:43:04,759
Speaker 2: about these updates? It didn't get published anywhere, it didn't

863
00:43:04,760 --> 00:43:06,480
Speaker 2: get published on the website and didn't get published on

864
00:43:06,480 --> 00:43:09,200
Speaker 2: the news website. So it's like unless you're in there

865
00:43:09,239 --> 00:43:10,320
Speaker 2: clicking around, you wouldn't know.

866
00:43:11,239 --> 00:43:13,480
Speaker 1: So necard Lewis, you've mentioned this a couple of times.

867
00:43:13,560 --> 00:43:15,040
Speaker 1: I definitely want to make sure we know where to

868
00:43:15,120 --> 00:43:17,680
Speaker 1: point people, So where can people stay connected with you

869
00:43:17,760 --> 00:43:20,040
Speaker 1: to find out about the classes and all the things that.

870
00:43:19,960 --> 00:43:22,279
Speaker 2: You offer, So we act like a news reporter. Our

871
00:43:22,280 --> 00:43:25,040
Speaker 2: Instagram page, the student Loan Doctor is where it's my

872
00:43:25,239 --> 00:43:27,719
Speaker 2: favorite social media platform for where I put up like

873
00:43:28,160 --> 00:43:30,719
Speaker 2: ninety second to three minute clips of what's happening in

874
00:43:30,800 --> 00:43:34,360
Speaker 2: the world right. And then outside of that Monday nights,

875
00:43:34,600 --> 00:43:37,240
Speaker 2: they can register through the Instagram page or the website

876
00:43:37,320 --> 00:43:40,120
Speaker 2: is doctor Please help Me dot com. It's a free class.

877
00:43:40,160 --> 00:43:41,759
Speaker 2: You don't have to pay to be there. It's about

878
00:43:41,760 --> 00:43:44,279
Speaker 2: a two hour class and we literally teach you from

879
00:43:44,280 --> 00:43:47,759
Speaker 2: the rooty to the two D re payment plans forgiveness programs.

880
00:43:48,040 --> 00:43:50,640
Speaker 2: Let's log in together. You'd be surprised people put in

881
00:43:50,719 --> 00:43:53,520
Speaker 2: the chat. I haven't logged in four years, so they're

882
00:43:53,560 --> 00:43:55,920
Speaker 2: filling in power right. And then from there, if we

883
00:43:55,960 --> 00:43:59,000
Speaker 2: can help them, we will. But most times people just

884
00:43:59,080 --> 00:44:01,319
Speaker 2: need to be in an environment that's safe, that we're

885
00:44:01,360 --> 00:44:04,160
Speaker 2: all tracking the same way. Sometimes I do a poll

886
00:44:04,200 --> 00:44:06,359
Speaker 2: like I might do one tonight that says how much

887
00:44:06,400 --> 00:44:09,799
Speaker 2: do you all ow? I do that sometimes because I

888
00:44:09,880 --> 00:44:11,920
Speaker 2: need people to see you ain't the only one that

889
00:44:12,000 --> 00:44:14,759
Speaker 2: got five hundred thousand, you know, like last month we

890
00:44:14,800 --> 00:44:17,120
Speaker 2: got a guy forgiving nine hundred and ninety seven thousand

891
00:44:17,160 --> 00:44:20,479
Speaker 2: dollars right, that's right at a million, and we didn't

892
00:44:20,480 --> 00:44:23,080
Speaker 2: make him fel bad about it. So we want anyone

893
00:44:23,160 --> 00:44:25,160
Speaker 2: from the little bit to the lot in class so

894
00:44:25,200 --> 00:44:28,640
Speaker 2: that they can just learn without pressure and then you

895
00:44:28,719 --> 00:44:30,239
Speaker 2: go in the world and figure out what you need

896
00:44:30,280 --> 00:44:32,800
Speaker 2: to do. So I really love the community we're creating.

897
00:44:33,200 --> 00:44:36,360
Speaker 2: Nobody's showing up weird, nobody's being no bully. We actually

898
00:44:36,400 --> 00:44:38,759
Speaker 2: set the tone for class. I love doing that. If

899
00:44:38,800 --> 00:44:41,640
Speaker 2: you show up me where you will be dropped from

900
00:44:41,640 --> 00:44:44,440
Speaker 2: the zoom never to return. We don't have those issues,

901
00:44:44,640 --> 00:44:47,520
Speaker 2: and it's a safe face and people you could see

902
00:44:47,719 --> 00:44:51,480
Speaker 2: with their notebooks taking their notes and really participating and

903
00:44:51,520 --> 00:44:54,319
Speaker 2: playing along. And then I just feel really proud that

904
00:44:54,320 --> 00:44:57,879
Speaker 2: we're a part of educating the community at large about

905
00:44:57,880 --> 00:45:00,879
Speaker 2: their student loans and before our class, I just love

906
00:45:00,920 --> 00:45:02,880
Speaker 2: to say there was not a lot of people that

907
00:45:02,920 --> 00:45:05,640
Speaker 2: were talking about this topic. Honey, don't mix this in

908
00:45:05,680 --> 00:45:07,560
Speaker 2: with credit either. We're not that, Like, we just want

909
00:45:07,600 --> 00:45:10,640
Speaker 2: to talk about student loans, right. And then I love

910
00:45:10,760 --> 00:45:13,000
Speaker 2: that we are Finally, we've been in business now for

911
00:45:13,040 --> 00:45:16,400
Speaker 2: ten years, doctor Joy. We're doing press like CNN, we

912
00:45:16,560 --> 00:45:19,080
Speaker 2: just the ABC World News. We're doing some really big

913
00:45:19,120 --> 00:45:21,400
Speaker 2: stuff in the world. And I'm like, we aren't that

914
00:45:21,560 --> 00:45:24,600
Speaker 2: because we show up every day all day. I had

915
00:45:24,640 --> 00:45:27,000
Speaker 2: to put my appoint at that for the world to

916
00:45:27,120 --> 00:45:30,040
Speaker 2: do my little update because see you, I remember and

917
00:45:30,080 --> 00:45:32,560
Speaker 2: you know about this, like when something big comes out,

918
00:45:32,760 --> 00:45:36,839
Speaker 2: people's brain can't always process it and they're looking for

919
00:45:36,880 --> 00:45:39,799
Speaker 2: someone they trust to give them the facts right in

920
00:45:39,840 --> 00:45:41,480
Speaker 2: a safe space and then they can go on with

921
00:45:41,520 --> 00:45:43,880
Speaker 2: their day. So that's what we do. So when you

922
00:45:43,960 --> 00:45:46,320
Speaker 2: came to see my little AI advertire, mind your business

923
00:45:46,440 --> 00:45:50,359
Speaker 2: because that work to day that by makeup wasn't done

924
00:45:50,440 --> 00:45:52,439
Speaker 2: or something. And I got a little AI that looked

925
00:45:52,520 --> 00:45:54,320
Speaker 2: like me. I say, it's Ai. I'm be trying to

926
00:45:54,320 --> 00:45:57,880
Speaker 2: trick nobody say powered by Ai Yasha because when news

927
00:45:57,920 --> 00:46:00,480
Speaker 2: comes out, who am I to go get you or

928
00:46:00,560 --> 00:46:03,680
Speaker 2: buy lashes done or something. Christen just take information going

929
00:46:03,680 --> 00:46:04,200
Speaker 2: about to day.

930
00:46:04,440 --> 00:46:06,759
Speaker 1: I love it when it's definitely needed right now. So

931
00:46:06,880 --> 00:46:08,880
Speaker 1: thank you so much for that service because it sounds

932
00:46:08,880 --> 00:46:10,680
Speaker 1: like it's helping a lot of people, and we will

933
00:46:10,719 --> 00:46:13,160
Speaker 1: be sure to include that information in the show, not

934
00:46:13,280 --> 00:46:15,480
Speaker 1: so that people can get connected with you and your coaches,

935
00:46:15,520 --> 00:46:17,120
Speaker 1: so that they can learn even more about how to

936
00:46:17,160 --> 00:46:18,959
Speaker 1: take care of themselves and their financial health.

937
00:46:19,719 --> 00:46:22,279
Speaker 2: And thank you so much for your platform. I'm telling you, girl,

938
00:46:22,280 --> 00:46:24,239
Speaker 2: you done gotten me through some stuff, but you have help,

939
00:46:24,320 --> 00:46:27,000
Speaker 2: and so I think your platform is just so important

940
00:46:27,040 --> 00:46:32,120
Speaker 2: because it's a lot like this is not yesterday's yesterday, yes,

941
00:46:32,200 --> 00:46:36,560
Speaker 2: and you're trying to process personal relationships, professional relationships, the

942
00:46:36,600 --> 00:46:39,240
Speaker 2: different roles you wear, Oh you got your finances on fire,

943
00:46:39,680 --> 00:46:42,040
Speaker 2: like who are we? And sometimes it's just good to

944
00:46:42,160 --> 00:46:44,200
Speaker 2: just take a moment, take a beat, to be like

945
00:46:44,680 --> 00:46:46,600
Speaker 2: is it really that serious? And then I feel like

946
00:46:46,680 --> 00:46:49,359
Speaker 2: your voice is so befitting, Like I don't know, God

947
00:46:49,360 --> 00:46:51,920
Speaker 2: gave me the voice because I'm like, if doctor Joyce's son,

948
00:46:52,160 --> 00:46:54,799
Speaker 2: go get some shy tea and work out the problems.

949
00:46:55,160 --> 00:46:57,719
Speaker 2: So just continue, doctor Joyce. I don't know how much

950
00:46:57,719 --> 00:46:59,759
Speaker 2: longer you want to do this work, but we love

951
00:46:59,800 --> 00:47:01,239
Speaker 2: itppreciate the work that you're doing.

952
00:47:01,280 --> 00:47:01,719
Speaker 1: Thank you.

953
00:47:01,920 --> 00:47:04,160
Speaker 2: I was so thrilled with the invitation. It really was.

954
00:47:04,239 --> 00:47:05,920
Speaker 2: I mean, this is like my Oprah moment. I mean

955
00:47:05,960 --> 00:47:08,439
Speaker 2: the Oprah you could call me though. Nice. No, no,

956
00:47:08,440 --> 00:47:09,040
Speaker 2: don't forget it.

957
00:47:09,080 --> 00:47:11,440
Speaker 1: Confused, Okay, we will still accept the invitation.

958
00:47:11,960 --> 00:47:13,839
Speaker 2: But I love, love, love the work that you're doing.

959
00:47:13,880 --> 00:47:16,000
Speaker 2: You've helped me out many times. You got a lot

960
00:47:16,000 --> 00:47:18,160
Speaker 2: of people say for being cussed out, the Lord is

961
00:47:18,200 --> 00:47:20,080
Speaker 2: doing a work in you. Because I said, what did

962
00:47:20,120 --> 00:47:21,920
Speaker 2: she say before? I call this? Persons back?

963
00:47:22,080 --> 00:47:25,400
Speaker 1: There you go, there you go. I appreciate that. Thank you,

964
00:47:25,440 --> 00:47:27,160
Speaker 1: and thank you for spending some time with us today.

965
00:47:27,200 --> 00:47:28,120
Speaker 1: I appreciate it.

966
00:47:28,320 --> 00:47:29,319
Speaker 2: Yes, thanks so much.

967
00:47:29,640 --> 00:47:35,759
Speaker 1: Of course, I'm so happy doctor Lewis was able to

968
00:47:35,840 --> 00:47:38,839
Speaker 1: join us for today's episode. To learn more about her,

969
00:47:39,040 --> 00:47:42,040
Speaker 1: or to register for her free Monday night student loan classes,

970
00:47:42,520 --> 00:47:45,120
Speaker 1: or stay up to date on policy changes, be sure

971
00:47:45,120 --> 00:47:47,200
Speaker 1: to visit the show notes at Therapy for Black Girls

972
00:47:47,239 --> 00:47:50,560
Speaker 1: dot com slash Session four fifty one, and don't forget

973
00:47:50,600 --> 00:47:52,560
Speaker 1: to text this episode to two of your girls right

974
00:47:52,560 --> 00:47:55,120
Speaker 1: now and tell them to check it out. Did you

975
00:47:55,160 --> 00:47:56,880
Speaker 1: know that you could leave us a voicemail with your

976
00:47:56,960 --> 00:48:00,000
Speaker 1: questions or suggestions for the podcast. If you have toime

977
00:48:00,040 --> 00:48:02,760
Speaker 1: topics you think we should discuss, drop us a message

978
00:48:02,800 --> 00:48:05,400
Speaker 1: at Memo dot fm slash Therapy for Black Girls and

979
00:48:05,480 --> 00:48:07,600
Speaker 1: let us know what's on your mind. We just might

980
00:48:07,640 --> 00:48:10,520
Speaker 1: feature it on the podcast. If you're looking for a

981
00:48:10,560 --> 00:48:13,880
Speaker 1: therapist in your area, visit our therapist directory at Therapy

982
00:48:13,920 --> 00:48:17,880
Speaker 1: for Blackgirls dot com slash directory. Don't forget to follow

983
00:48:17,960 --> 00:48:20,880
Speaker 1: us over on Instagram at Therapy for Black Girls and

984
00:48:21,000 --> 00:48:24,200
Speaker 1: join us in our Patreon channel for exclusive updates, behind

985
00:48:24,200 --> 00:48:26,920
Speaker 1: the scenes content, and much more. You can join us

986
00:48:26,960 --> 00:48:30,480
Speaker 1: at community dot Therapy for Blackgirls dot com. This episode

987
00:48:30,560 --> 00:48:34,720
Speaker 1: was produced by Elise Ellis, Indechubu and Tyree Rush. Editing

988
00:48:34,800 --> 00:48:37,520
Speaker 1: was done by Dennis and Bradford. Thank y'all so much

989
00:48:37,560 --> 00:48:39,920
Speaker 1: for joining me again this week. I look forward to

990
00:48:39,960 --> 00:48:43,959
Speaker 1: continuing this conversation with you all real soon. Take good care.