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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador

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Speaker 1: accused of murdering a Texas man of Venezuelan charged with

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Speaker 1: filming and selling child pornography in Michigan. These are just

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Speaker 1: some of the heinous migrant criminals caught because of President

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Speaker 1: Donald J.

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Speaker 2: Trump's leadership.

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Speaker 1: I'm Christy nom the United States Secretary of Homeland Security.

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Speaker 1: Under President Trump, attempted illegal border crossings are at the

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Speaker 1: lowest levels ever recorded, and over one hundred thousand illegal

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Speaker 1: aliens have been arrested. If you are here illegally, your

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Speaker 1: next you will be fined nearly one thousand dollars a day, imprisoned,

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Speaker 1: and deported.

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Speaker 2: You will never return.

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Speaker 1: But if you register using our CBP home app and

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Speaker 1: leave now, you could be allowed to return legally.

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Speaker 2: Do what's right, leave now.

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Speaker 1: Under President Trump, America's laws, border and families will.

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Speaker 3: Be protected sponsored by the United States Department of Homeland Security.

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Speaker 4: So do you ever think there's a time where it

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Speaker 4: is all student loan will be forgiven?

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Speaker 5: Why would that be beneficial?

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Speaker 4: Well, if people, if it's a student loan crisis, right,

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Speaker 4: and you have millions of people who just can't pay

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Speaker 4: their student loans, then that probably would have.

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Speaker 5: More of our statistically who can't pay their student loans.

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Speaker 4: Who can't I'm baiting or lower income people, middle class?

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Speaker 5: What do they look like?

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Speaker 4: Black people?

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Speaker 5: Okay, So here's the thing. When we talk about the

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Speaker 5: largest holders of student loan debt, they're African American women

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Speaker 5: thirty through fifty.

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Speaker 4: Five percentage wise are numbers wise?

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Speaker 5: Well, percentage of the borrowers in total, Who owns the

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Speaker 5: most to the loan debt, who has the most degrees?

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Speaker 5: Is that group of people. So it's interesting. You remember

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Speaker 5: when they were talking about the number of forgiveness they

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Speaker 5: were going to give out either ten or twenty thousand.

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Speaker 5: Did you ever wonder why they ended at that number?

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Speaker 5: So statistically, if they gave out twenty thousand, that cleared

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Speaker 5: the population of white, white male barbers.

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Speaker 6: Yeah, completely still race.

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Speaker 3: Yeah, because the amount that they.

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Speaker 5: Owe was around it was under twenty thousand.

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Speaker 6: So I think the average I remember reading this, the

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Speaker 6: average was like sixteen point five thousand dollars that they owed. Yeah,

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Speaker 6: if they had a twenty the entire let's.

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Speaker 5: Just keep going. I've got time. So now when you

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Speaker 5: clear out all of these women, black women with student

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Speaker 5: alone dead and I know that other people have student

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Speaker 5: loans that are black obviously, but statistically, now we put

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Speaker 5: this population with no debt, most agreed. Now they can

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Speaker 5: become homeowners. You say, now it changes the whole landscape

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Speaker 5: of Welcome to America. So when you ask me, do

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Speaker 5: I think they're going to eliminate? No?

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Speaker 4: Why so you think that? Okay, so it's a trap

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Speaker 4: pretty much.

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Speaker 5: I'm not saying it's a trap. What I'm saying is

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Speaker 5: this is where our community when we talk about the

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Speaker 5: black community, and I hate to just always take it

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Speaker 5: to race, but statistically it just it's very glaring. Has

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Speaker 5: to be wiser and be informative about borrowing practices. Now,

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Speaker 5: the challenge here is is that a lot of times

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Speaker 5: when we look at this number, that person is also

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Speaker 5: the first to graduate in their family from college. So

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Speaker 5: we don't want to take the pride away from those numbers,

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Speaker 5: and the first to have a graduate degree, the first

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Speaker 5: to have a doctoral degree. So we don't want to

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Speaker 5: take any of that pride away. But what I'm saying

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Speaker 5: is now mom, grandmom, even let's say your grandmam. At

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Speaker 5: this point how do we help your child and your

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Speaker 5: grandchild not be in that same number in same boat.

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Speaker 5: One of the things that we're concerned about is if

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Speaker 5: we see our clients get out of student loan debted,

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Speaker 5: like let's say age forty forty five, we see that

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Speaker 5: person going back to the STAD loone deb at age

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Speaker 5: fifty to fifty five because of parent plus loans, because

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Speaker 5: there's not a plan for their child or grandchild.

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Speaker 6: Yeah, so the plan is really, yes, if you want

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Speaker 6: to achieve the same goal, all for it, how do

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Speaker 6: we do it more effectively? How we do it more efficiently?

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Speaker 5: So I really love your platform, right because if somebody

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Speaker 5: is a black woman that's thirty five and she's really

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Speaker 5: tuning the stuff you guys are saying, and she's following

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Speaker 5: some of your strategies, she's thinking about real estate, I

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Speaker 5: hate what I you know, use my friend over there,

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Speaker 5: but she has, like we had, like ten properties. She's

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Speaker 5: she's a homeowner, she's a landlord's so she's changing the

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Speaker 5: narrative for her daughter. So you know, her daughter shouldn't

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Speaker 5: even have to know what a student loan is if

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Speaker 5: we do this right, because there should be enough cash

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Speaker 5: loan income from her properties, or maybe when her daughter

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Speaker 5: goes to school, it's time to sell one that is

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Speaker 5: college tuition. So when we start changing the narrative by

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Speaker 5: how we think about our finances and our wealth now,

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Speaker 5: then we can set our children and grandchildren up differently.

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Speaker 5: So we don't want to make anybody feel bad about

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Speaker 5: what they did or didn't borrow. But what I'm saying

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Speaker 5: is is the conversation has to change so that we

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Speaker 5: don't see this cycle keep being repeated because I don't

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Speaker 5: think there's going to be a wave of forgiveness to

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Speaker 5: help out a significantly group population such.

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Speaker 6: Can I go back for just like a second, because

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Speaker 6: you said something and I understood from the standpoint of

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Speaker 6: having a loan forgiveness and that coming off of you know,

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Speaker 6: your debt to income ratio in a sense, and your

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Speaker 6: credit score plumbing right, so most people wouldn't even understand that.

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Speaker 6: They'll think, well, it got cleared, my credit score short

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Speaker 6: proved yep, But it really doesn't.

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Speaker 5: Can you just explain there's no more debt to factor like,

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Speaker 5: not to be funny, you've had that debt probably for

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Speaker 5: over ten years years, so it's used to your debt.

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Speaker 5: So now you take it off the board. It's like, oh,

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Speaker 5: how do we factor that into your mix, into your score?

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Speaker 5: So now when you just take it off the board,

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Speaker 5: and what's going to be a shocker to people the

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Speaker 5: next sixty days is it's not gradually paying itself down.

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Speaker 5: It's off. So when you held the seven forty, that

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Speaker 5: seven forty might look like a six forty. All jokes aside,

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Speaker 5: because that was a heavy part of your mix that's

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Speaker 5: going to be going now. Then somebody asked me the

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Speaker 5: other day, well, how do I keep that score up?

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Speaker 5: You want the real answer? You need a mortgage, you

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Speaker 5: need another debt similar ernerds, what's up?

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Speaker 6: You ever walk into a small business and everything just

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Speaker 6: works like the checkout is fast, the receipts are digital,

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Speaker 6: tipping is a breeze, and you're out the door before

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Speaker 6: the line even builds odds are they're using Square. We

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Speaker 6: love supporting businesses that run on Square because it just

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Speaker 6: feels seamless. Whether it's a local coffee shop, a vendor

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Speaker 6: at a pop up market, or even one of our

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Speaker 6: merch partners. Square makes it easy for them to take payments,

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Speaker 6: manage inventory, and run their business with confidence, all from

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Speaker 6: one simple system. If you're a business owner or even

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Speaker 6: just thinking about launching something soon, Square is hands down

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Speaker 6: one of the best tools out there to help you start, run,

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Speaker 6: and grow. It's not just about payments, it's about giving

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Speaker 6: you time back so you can focus on what matters

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Speaker 6: most ready. To see how Square can transform your business,

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Speaker 6: Don't wait, don't hesitate. Let's Square handle the back end

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Speaker 6: is brought to you by P and C Bank. A

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Speaker 6: lot of people think podcasts about work are boring, and sure,

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Speaker 6: the PNC Financial Service Group Inc. P and C Bank

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Speaker 6: National Association member FDIC.

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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from Salvador accused

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Speaker 1: of murdering a Texas. Man of Venezuelan charged with filming

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Speaker 1: and selling child pornography in Michigan. These are just some

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Speaker 1: of the heinous migrant criminals caught because of President Donald J.

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Speaker 2: Trump's leadership. I'm Christy Noman, the.

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Speaker 1: United States Secretary of Homeland Security. Under President Trump, attempted

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Speaker 1: illegal border crossings are at the lowest levels ever recorded,

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Speaker 1: and over one hundred thousand illegal aliens have been arrested.

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Speaker 1: If you are here illegally, your next you will be

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Speaker 1: fine nearly one thousand dollars a day, imprisoned and deported,

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Speaker 1: you will never return. But if you register using our

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Speaker 1: CBP home app and leave now, you could be allowed

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Speaker 1: to return legally.

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Speaker 2: Do what's right. Leave now.

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Speaker 1: Under President Trump America's laws, border and families will be protected.

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Speaker 3: Sponsored by the United States Department of Homeland Security to a.

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Speaker 5: Place of the same mail. I would hope if you

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Speaker 5: would do that, it would be a mortgage and not

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Speaker 5: another seat of level.

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Speaker 6: Yeah, you got to balance that out.

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Speaker 4: Yeah.

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Speaker 6: Other part is from a tax standpoint. Sometimes when loans

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Speaker 6: are forgiven, does that go into your taxable income?

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Speaker 5: In seen, you bring that up. So it is tax federally,

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Speaker 5: federally tax free until twenty and twenty five. This is

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Speaker 5: not a for everything.

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Speaker 6: Oh yeah, do explain.

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Speaker 5: So after twenty and twenty five. That's why it matters

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Speaker 5: who gets selected too. That might be texts. These these

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Speaker 5: are what we call provisions. These are not laws. So

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Speaker 5: provision is in place until twenty and twenty five to

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Speaker 5: say you will be tax free. Let's say Biden gets

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Speaker 5: reelected prosted loan. He might extend it to two thousand

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Speaker 5: and thirty, right or whatever his termins. But that's a provision.

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Speaker 5: That's that's like president the president. So you got to

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Speaker 5: understand the tax laws during that president's era. Certain states say,

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Speaker 5: I don't care what the federal government's doing. If you

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Speaker 5: get forgiven for two hundred K, we're taxing at his income.

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Speaker 5: I would do so I would probably move. There's about

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Speaker 5: thirteen states I think it is, and I don't know

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Speaker 5: them off hand, and just google it and you live

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Speaker 5: in one of them, and you know you got that

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Speaker 5: letter I got to move, like I don't even know,

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Speaker 5: Like I'm being funny and serious at the same time.

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Speaker 5: You're going to get text for that two hundred thousand

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Speaker 5: in this example, good to know, Good to know. Yeah,

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Speaker 5: And actually I had a client that was a true story.

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Speaker 5: Like I had a client say she was like, so,

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Speaker 5: I'm excited. She was like, but one hundred thousand texts

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Speaker 5: She was like in my state. She was like, I

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Speaker 5: don't know. She's like, I think I need to move

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Speaker 5: back in with my parents they live and so and so.

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Speaker 5: And I'm like, well, can you move, Like can we

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Speaker 5: put that change of address in? Like can we file

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Speaker 5: text at a new address? Because yes, she's going to

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Speaker 5: get text. M All right, Well it sounds so heavy today.

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Speaker 6: It's a lot.

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Speaker 2: It's a lot.

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Speaker 6: My last day before we go, you just talked about

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Speaker 6: scholarships and I know kids and parents. Is so, is

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Speaker 6: there a place that kids can go? I remember when

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Speaker 6: you used to go to your guns council, they had

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Speaker 6: this book of all these scholarship if you were left handed,

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Speaker 6: is a scholarship? Is there one place or a concrete

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Speaker 6: place that they can go for scholarships and grants? Because

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Speaker 6: we know grants don't have to be repaid as well.

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Speaker 5: So I mean then there are many places you can go.

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Speaker 5: It's just hard to shout out places that I think

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Speaker 5: are still reputable, Like the Scholarly app is one of

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Speaker 5: my favorites if it's still around. I know, like college

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Speaker 5: Girl JP, I think it's her name. She's awesome. Let

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Speaker 5: me see HBCU money Guide on Instagram. She is amazing

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Speaker 5: with her work. I tend to post different scholarship strategists

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Speaker 5: on my page here throughout because I know that they

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Speaker 5: go hand in hand. We don't get into it because

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Speaker 5: it's just we don't have the capacity. What I will

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Speaker 5: say is, you know, you want to identify your child,

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Speaker 5: if your parent watching this, you want to identify your

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Speaker 5: child's strengths early on. And that's the scholarship money. We're

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Speaker 5: going to start gearing ourselves too, Like you're going to

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Speaker 5: know pretty soon is your child sports or academics, is

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Speaker 5: your techie or not? Because there's so much money out there,

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Speaker 5: and there is really a lot of money there. But

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Speaker 5: here's and I do have to say this because I

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Speaker 5: used to sit on scholarship committees. Everybody thinks they're not eligible. Women,

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Speaker 5: young ladies particularly always think they're not eligible. I never forget.

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Speaker 5: I had a young lady that was trying to go

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Speaker 5: for nursing. The requirement was a three point h and

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Speaker 5: some other things. She had a way above all the

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Speaker 5: other requirements. She was super active. She had a two

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Speaker 5: point nine. So I'm looking at her application, but she

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Speaker 5: didn't do one last thing to apply. So I called

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Speaker 5: her personally. I'm like, hey, he was Jasmine. I'm like,

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Speaker 5: I need you to put this in by midnight. She's like, no,

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Speaker 5: it sead a three point oho. So there's a psychology

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Speaker 5: here that women, even with jobs, they look at one requirement,

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Speaker 5: go not eligible. Men go I'm about to try anyway.

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Speaker 5: So we would see young men at our committee get

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Speaker 5: scholarships over young women, and I realized the psychology is

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Speaker 5: a lot of young women with because they missed one thing.

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Speaker 5: So she thinks me to this day she got the

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Speaker 5: money it was like ten thousand because she just applied anyway.

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Speaker 5: Because now here's what happens with a lot of people

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Speaker 5: don't know behind the scenes. When there are private donors

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Speaker 5: that are giving, like the three in the five thousands, however,

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Speaker 5: they are asking the committee's opinion. So if I'm looking

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Speaker 5: at Bobby, who has a three point two, but Bobby

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Speaker 5: joined no activities in school. But I'm looking at Jasmine,

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Speaker 5: who's a two point nine, but she was class president,

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Speaker 5: she was this, she was this, she was this. I

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Speaker 5: don't know. I'm probably gonna go with Jasmine because she

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Speaker 5: still had good grades and she managed all of this stuff,

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Speaker 5: and then Bobby just was in school. So then I

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Speaker 5: have to tell the person who's given the money. My

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Speaker 5: professional opinion would be, let's go with Jasmine because we

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Speaker 5: know when she gets to school and becomes an active

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Speaker 5: member of her community at school, she's going to do

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Speaker 5: good and still add to the value of their community.

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Speaker 5: Oh that's a good perspective. Let's give it to Jasmine.

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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. Thirteen gang member from Al Salvador accused of

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Speaker 1: murdering a Texas. Man of Venezuelan charged with filming and

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Speaker 1: selling child pornography in Michigan. These are just some of

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Speaker 1: the heinous migrant criminals caught because of President Donald J.

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Speaker 2: Trump's leadership.

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Speaker 1: I'm Christy Noman, the United States Secretary of Homeland Security

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Speaker 1: under President Trump. Attempted illegal border crossings are at the

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Speaker 1: lowest levels ever recorded, and over one hundred thousand illegal aliens.

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Speaker 2: Have been arrested.

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Speaker 1: If you are here illegally, your next you will be

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Speaker 1: fined nearly one thousand dollars a day, imprisoned, and deported.

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Speaker 2: You will never return.

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Speaker 1: But if you register using our CBP home app and

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Speaker 1: leave now, you could be allowed to return legally.

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Speaker 2: Do what's right, leave now.

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Speaker 1: Under President Trump America's laws, border and families will be protected.

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Speaker 3: Sponsored by the United States Department of Homeland Security,