1 00:00:04,000 --> 00:00:07,440 Speaker 1: Angela Ye for our wealth Wednesday. I'm here with Stacy Tisday. 2 00:00:07,320 --> 00:00:10,000 Speaker 2: Happy Wealth Wednesdays, everybody, and we are going to talk 3 00:00:10,039 --> 00:00:13,000 Speaker 2: about something today that is near and not so dear 4 00:00:13,039 --> 00:00:15,560 Speaker 2: to all of us, and that is student loan debt. 5 00:00:16,280 --> 00:00:19,400 Speaker 2: And we are so very happy to have doctor Sonya Lewis, 6 00:00:19,440 --> 00:00:23,079 Speaker 2: who is a CEO and founder of the Student Loan. 7 00:00:23,000 --> 00:00:24,560 Speaker 3: Doctor what you'll hear all about. 8 00:00:24,600 --> 00:00:28,520 Speaker 2: But let's just jump right in the government canceled the 9 00:00:28,640 --> 00:00:31,600 Speaker 2: Save plan and what is that going to mean for people? 10 00:00:32,080 --> 00:00:36,440 Speaker 1: Officially canceled as of this Tuesday, right, So this is 11 00:00:36,520 --> 00:00:41,680 Speaker 1: exciting because a lot of people were in limbo in 12 00:00:41,800 --> 00:00:45,440 Speaker 1: terms of what to do. Now there's no more limbo. 13 00:00:46,000 --> 00:00:49,680 Speaker 1: You now know that this administration is just not playing there, 14 00:00:49,720 --> 00:00:53,680 Speaker 1: not for an easy repayment. Let's go and make some decisions. 15 00:00:53,720 --> 00:00:56,400 Speaker 1: So when I say exciting, I literally been telling my 16 00:00:56,440 --> 00:00:59,280 Speaker 1: community for over a year, please do not get comfortable here. 17 00:00:59,560 --> 00:01:00,440 Speaker 3: This is a trap. 18 00:01:00,720 --> 00:01:03,480 Speaker 1: Your interest is dropping one hundred points and now to 19 00:01:03,560 --> 00:01:05,080 Speaker 1: see it in black and white, I'm like, this. 20 00:01:05,160 --> 00:01:06,559 Speaker 3: Is what we were preparing for. 21 00:01:06,880 --> 00:01:09,200 Speaker 1: So people thought they didn't have to make a plan 22 00:01:09,720 --> 00:01:13,759 Speaker 1: or a repayment plan anything for like until twenty twenty eight. 23 00:01:14,200 --> 00:01:17,440 Speaker 1: Now we know they have to start in like the 24 00:01:17,480 --> 00:01:18,119 Speaker 1: next two months. 25 00:01:18,160 --> 00:01:18,280 Speaker 3: Now. 26 00:01:18,319 --> 00:01:22,000 Speaker 1: I saw the Secretary of Education said, for four years, 27 00:01:22,000 --> 00:01:25,720 Speaker 1: the Biden administration so to unlawfully shift student loan debts 28 00:01:25,760 --> 00:01:28,800 Speaker 1: onto American taxpayers, many of whom either never took out 29 00:01:28,800 --> 00:01:31,959 Speaker 1: a loan to finance their post secondary education or never 30 00:01:32,000 --> 00:01:35,240 Speaker 1: even went to college themselves, simply for a political win 31 00:01:35,360 --> 00:01:37,120 Speaker 1: to prop up a feeling administration. 32 00:01:37,920 --> 00:01:39,199 Speaker 3: That's their reason. 33 00:01:39,520 --> 00:01:41,600 Speaker 1: Yeah, and they're saying this is going to affect over 34 00:01:41,720 --> 00:01:43,120 Speaker 1: seven million borrowers. 35 00:01:43,720 --> 00:01:44,440 Speaker 3: Oh, it's big. 36 00:01:44,520 --> 00:01:47,000 Speaker 1: So the thing is, nothing's illegal about what the Biden 37 00:01:47,000 --> 00:01:50,640 Speaker 1: administration was proposing with the SAVE Plan. Every administration can 38 00:01:50,720 --> 00:01:54,400 Speaker 1: create or change repayment plans, and so the SAVE Plan 39 00:01:54,560 --> 00:01:57,480 Speaker 1: is just not favorable to people because a lot of 40 00:01:57,520 --> 00:02:01,040 Speaker 1: the loan forgiveness aspect would fall on the American people, 41 00:02:01,320 --> 00:02:03,000 Speaker 1: and people felt like, well, if I don't have a 42 00:02:03,000 --> 00:02:06,000 Speaker 1: student loan, why is our money's going towards this? But 43 00:02:06,080 --> 00:02:08,800 Speaker 1: this is bigger than one person getting loan forgiveness is 44 00:02:08,840 --> 00:02:12,240 Speaker 1: really it is to really help an economy that's burdened. 45 00:02:12,440 --> 00:02:15,600 Speaker 1: One point seven trillion dollars are burden. People need help, 46 00:02:15,639 --> 00:02:17,839 Speaker 1: and so this Safe Plan was to help people out, 47 00:02:17,919 --> 00:02:19,640 Speaker 1: and our money goes to a lot of stuff that 48 00:02:19,840 --> 00:02:25,640 Speaker 1: I would ride exactly, student loan forgiveness, then some of 49 00:02:25,680 --> 00:02:26,360 Speaker 1: the other things. 50 00:02:26,360 --> 00:02:28,080 Speaker 2: And like you were saying, those people could be so 51 00:02:28,160 --> 00:02:30,880 Speaker 2: much more productive for the economy if they weren't burden 52 00:02:31,000 --> 00:02:31,480 Speaker 2: with us. 53 00:02:31,520 --> 00:02:35,480 Speaker 1: Home ownership is on the line here. You know, the 54 00:02:36,000 --> 00:02:39,120 Speaker 1: reason why we see certain people leave or or graduate 55 00:02:39,160 --> 00:02:41,200 Speaker 1: to a new economic class is because they don't have 56 00:02:41,240 --> 00:02:45,760 Speaker 1: student loans and now with no plan out, necessarily they're 57 00:02:45,760 --> 00:02:48,639 Speaker 1: not moving to the next class. And these are people 58 00:02:48,680 --> 00:02:52,080 Speaker 1: that have high degrees, high titles. They can't go to 59 00:02:52,120 --> 00:02:55,920 Speaker 1: the next level because of this debt. Yeah, imagine you 60 00:02:55,960 --> 00:02:57,480 Speaker 1: go to college and you're like, Okay, I'm gonna go 61 00:02:57,480 --> 00:03:00,160 Speaker 1: to law school and medical school, you know, graduate with 62 00:03:00,240 --> 00:03:04,320 Speaker 1: school and that is all really expensive. 63 00:03:04,240 --> 00:03:05,840 Speaker 3: Like oh, beyond it. 64 00:03:05,880 --> 00:03:09,000 Speaker 1: I mean, so the average person we serve has six 65 00:03:09,040 --> 00:03:11,720 Speaker 1: figure that like, we get people forgiven all the time 66 00:03:11,760 --> 00:03:14,480 Speaker 1: with three thousand, four hundred thousand just last month, nine 67 00:03:14,520 --> 00:03:17,520 Speaker 1: hundred and ninety seven thousand. There's people walking around that 68 00:03:17,600 --> 00:03:20,400 Speaker 1: look like you and I that have nine hundred thousand 69 00:03:20,480 --> 00:03:22,840 Speaker 1: dollars in student loans. That's why you don't know when 70 00:03:22,840 --> 00:03:24,480 Speaker 1: you look at a person how much they owe. Well, 71 00:03:24,520 --> 00:03:27,080 Speaker 1: doctor Sonya is so important that you're here today because 72 00:03:27,360 --> 00:03:30,160 Speaker 1: we want to talk about what should what should somebody 73 00:03:30,200 --> 00:03:30,440 Speaker 1: do now? 74 00:03:30,480 --> 00:03:32,840 Speaker 3: Because this news just broke. Yeah, this is major. 75 00:03:32,960 --> 00:03:34,720 Speaker 1: So all right, So if you're listening to the show 76 00:03:35,080 --> 00:03:38,240 Speaker 1: good News, there's hope. So, but you do need to 77 00:03:38,280 --> 00:03:41,600 Speaker 1: be aware that the Trump administration is proposing something called 78 00:03:41,640 --> 00:03:45,880 Speaker 1: the rap Plan Repayment Assistance Plan. It looks really pretty, 79 00:03:46,200 --> 00:03:48,760 Speaker 1: it looks like the safe Plan, but it's really bad. 80 00:03:49,240 --> 00:03:51,800 Speaker 1: And so if you want to read further in the article, 81 00:03:51,920 --> 00:03:54,840 Speaker 1: they're like literally pushing this plan on people. They're like 82 00:03:54,920 --> 00:03:57,680 Speaker 1: going to it now. So the problem with that plan 83 00:03:57,920 --> 00:03:59,880 Speaker 1: is that because people don't read the fine print, but 84 00:04:00,000 --> 00:04:02,160 Speaker 1: they've got the cliff notes, if they were to sign 85 00:04:02,280 --> 00:04:05,600 Speaker 1: up for that plan, it changes their loan forgiveness from 86 00:04:05,680 --> 00:04:09,320 Speaker 1: twenty years minus like being in any public service. And 87 00:04:09,400 --> 00:04:10,880 Speaker 1: oh a lot of people don't know that when you 88 00:04:10,920 --> 00:04:12,520 Speaker 1: make a certain amount of payment cerain amount of years, 89 00:04:12,560 --> 00:04:15,920 Speaker 1: you get your loans forgiven. So in this case, right, 90 00:04:15,960 --> 00:04:18,640 Speaker 1: people don't know that it would go from twenty years 91 00:04:18,680 --> 00:04:19,320 Speaker 1: to thirty. 92 00:04:19,800 --> 00:04:23,080 Speaker 2: Do you have twenty years that they're changing it to 93 00:04:23,160 --> 00:04:23,880 Speaker 2: thirty with. 94 00:04:23,800 --> 00:04:26,480 Speaker 1: The new plan that everybody's going to run to because 95 00:04:26,520 --> 00:04:29,680 Speaker 1: it's more affordable, right, because you have less payments every month. 96 00:04:29,760 --> 00:04:32,320 Speaker 1: But it's just but now do you have ten more years? 97 00:04:32,320 --> 00:04:34,320 Speaker 3: Not? Nobody has that. That's like a mortgage. 98 00:04:35,000 --> 00:04:37,960 Speaker 1: So we're like screaming from our platform, like the RAP 99 00:04:38,200 --> 00:04:40,720 Speaker 1: is not a good plan. You know, it would be 100 00:04:40,720 --> 00:04:44,359 Speaker 1: better to pay like a fifty dollars extra payment and 101 00:04:44,480 --> 00:04:47,719 Speaker 1: the IBr plan in come base for payment versus going 102 00:04:47,720 --> 00:04:50,479 Speaker 1: into the RAP plan. But when people don't know better, 103 00:04:50,520 --> 00:04:53,360 Speaker 1: way they're going to choose you. You would choose the cheaper. 104 00:04:53,080 --> 00:04:55,400 Speaker 2: One, like YP the ones that's less money out of 105 00:04:55,360 --> 00:04:55,719 Speaker 2: my house. 106 00:04:55,760 --> 00:04:58,200 Speaker 1: Yeah, the minimum payment is going to be ten dollars. 107 00:04:58,600 --> 00:05:01,360 Speaker 1: So when somebody sees ten dollars versus one hundred, let's 108 00:05:01,400 --> 00:05:02,960 Speaker 1: just say, what would you choose? 109 00:05:03,120 --> 00:05:07,640 Speaker 3: Ten domes? Right? But do you have ten more years? Right? 110 00:05:07,720 --> 00:05:08,359 Speaker 3: Ten dollars? 111 00:05:08,360 --> 00:05:11,320 Speaker 2: It's like mortgage in your future. Yeah, everybody take a 112 00:05:11,320 --> 00:05:14,000 Speaker 2: deep breath. And I know the Teamwealth wednesdays dot com. 113 00:05:14,040 --> 00:05:16,440 Speaker 2: We have a free tool that will help you figure 114 00:05:16,480 --> 00:05:18,800 Speaker 2: out what to do next on your student loans. It's 115 00:05:18,839 --> 00:05:22,200 Speaker 2: at Teamwealth wednesdays dot com. Doctor Sonya is gonna give 116 00:05:22,279 --> 00:05:24,799 Speaker 2: us some more tips on how you can work with her. 117 00:05:25,120 --> 00:05:27,760 Speaker 2: But all of this comes on the heels of a 118 00:05:27,880 --> 00:05:32,840 Speaker 2: crazy reclassification of professional degrees. Oh tell us about that. 119 00:05:33,200 --> 00:05:36,440 Speaker 1: That's another When I tell you I stay busy, I 120 00:05:36,480 --> 00:05:38,640 Speaker 1: can't take it take a day off, all right? 121 00:05:39,520 --> 00:05:40,080 Speaker 3: No, truly. 122 00:05:40,440 --> 00:05:44,160 Speaker 1: So the reclassification of degrees, people are in an uproar 123 00:05:44,200 --> 00:05:47,720 Speaker 1: because it sounds really like huge. But it is in 124 00:05:47,720 --> 00:05:51,080 Speaker 1: the financial a sense, not taking away that you're a 125 00:05:51,120 --> 00:05:52,000 Speaker 1: professional nurse. 126 00:05:52,040 --> 00:05:53,080 Speaker 3: I want to put that out there. 127 00:05:53,400 --> 00:05:56,920 Speaker 1: So from a financial aid perspective, they are now saying, hey, 128 00:05:56,920 --> 00:05:59,040 Speaker 1: we're not going to give you this amount of money 129 00:05:59,360 --> 00:06:01,039 Speaker 1: or you're not going to have this amount of time 130 00:06:01,080 --> 00:06:04,679 Speaker 1: for repayment if you study these following degrees. The problem 131 00:06:04,680 --> 00:06:07,040 Speaker 1: with that is who do these degrees mostly effect. Well, 132 00:06:07,040 --> 00:06:09,200 Speaker 1: when you look at it, it affects women, it affects 133 00:06:09,240 --> 00:06:12,599 Speaker 1: African Americans, and it really affects people from all over 134 00:06:12,720 --> 00:06:15,360 Speaker 1: that are from underserved populations. 135 00:06:15,440 --> 00:06:17,560 Speaker 2: Before you get into that more, let's break down a 136 00:06:17,560 --> 00:06:18,720 Speaker 2: little bit more what they did. 137 00:06:19,160 --> 00:06:19,840 Speaker 3: So there were. 138 00:06:20,120 --> 00:06:23,960 Speaker 2: Degrees, yes, and you could get student loan assistance for 139 00:06:24,000 --> 00:06:25,920 Speaker 2: them to get like a nursing degree, and there were 140 00:06:25,960 --> 00:06:30,279 Speaker 2: several other degrees. But now the administration has reclassified those 141 00:06:31,080 --> 00:06:33,080 Speaker 2: as non professional. 142 00:06:32,560 --> 00:06:37,200 Speaker 1: Masters in nursing, Masters in Education NBA. How many people 143 00:06:37,200 --> 00:06:39,680 Speaker 1: do we know the NBA right, All of that is 144 00:06:39,760 --> 00:06:43,000 Speaker 1: like off the table in terms of giving a good 145 00:06:43,040 --> 00:06:45,880 Speaker 1: amount of financial weight. The problem with this is that 146 00:06:45,960 --> 00:06:48,919 Speaker 1: when we encounter students like today, we would meet an 147 00:06:48,920 --> 00:06:50,080 Speaker 1: eighteen year old like, what do you want to be 148 00:06:50,120 --> 00:06:50,640 Speaker 1: when you grow up? 149 00:06:50,680 --> 00:06:52,279 Speaker 3: I want to be a nurse. Amazing. 150 00:06:52,720 --> 00:06:55,680 Speaker 1: We had to say, hey, Sarah, did you know that 151 00:06:55,760 --> 00:06:58,000 Speaker 1: you can only go to this point with financial weight? 152 00:06:58,440 --> 00:07:02,039 Speaker 1: Do you have an extra fifty six thousand around Because 153 00:07:02,040 --> 00:07:03,840 Speaker 1: now we're telling people they can only go to a 154 00:07:03,839 --> 00:07:07,640 Speaker 1: certain level in these fields with financial ad That's a 155 00:07:07,640 --> 00:07:10,520 Speaker 1: big deal because a lot of people aren't aware. They're 156 00:07:10,560 --> 00:07:12,760 Speaker 1: probably in the middle of their program. Because imagine you're 157 00:07:12,800 --> 00:07:17,120 Speaker 1: in the middle of your program and then first it's done, and. 158 00:07:17,080 --> 00:07:19,520 Speaker 3: That's a department of education that's gutting that out. 159 00:07:19,680 --> 00:07:23,240 Speaker 1: Yeah, okay, So the problem is and just because I 160 00:07:23,320 --> 00:07:26,200 Speaker 1: really love statistics and data, what they could have done 161 00:07:26,200 --> 00:07:29,920 Speaker 1: better was they could have shared the default rate and said, hey, 162 00:07:30,360 --> 00:07:33,720 Speaker 1: people in these fields default more. Hey, people in these 163 00:07:33,760 --> 00:07:36,400 Speaker 1: fields have a harder time pay. Hey, if you go 164 00:07:36,520 --> 00:07:40,840 Speaker 1: into this field making eighty thousand a year you borrow 165 00:07:40,880 --> 00:07:44,120 Speaker 1: two hundred thousand, is it a good returnal investment? But 166 00:07:44,200 --> 00:07:46,440 Speaker 1: a lot of times the borrowing doesn't correlate with the 167 00:07:46,480 --> 00:07:49,800 Speaker 1: reternal investment. That's why they didn't publish the data because 168 00:07:49,840 --> 00:07:53,160 Speaker 1: remember what I just said. So if women and minorities 169 00:07:53,680 --> 00:07:56,520 Speaker 1: who needs the most support to go for these graduate programs, 170 00:07:56,520 --> 00:07:58,600 Speaker 1: what are they taking out extra money? 171 00:07:58,760 --> 00:08:01,120 Speaker 3: Refunds? Check? This is what they call them back in 172 00:08:01,120 --> 00:08:01,880 Speaker 3: the day. 173 00:08:01,720 --> 00:08:05,200 Speaker 1: To pay for their living while they're in school. Now 174 00:08:05,280 --> 00:08:07,880 Speaker 1: someone's going to have to go to school part time, 175 00:08:08,040 --> 00:08:10,680 Speaker 1: be there longer because they can't focus. 176 00:08:10,360 --> 00:08:14,200 Speaker 3: On just work. Yeah. And I'm not trying to be funny. 177 00:08:14,440 --> 00:08:16,320 Speaker 1: The person that I want to be a nurse or 178 00:08:16,320 --> 00:08:18,440 Speaker 1: a doctor, I don't need her working while in school. 179 00:08:18,480 --> 00:08:20,200 Speaker 3: I need her focused in school. 180 00:08:20,040 --> 00:08:25,080 Speaker 1: Exactly because you know, I have longer to graduate. You 181 00:08:25,120 --> 00:08:27,640 Speaker 1: have to work and take your classes when you can. 182 00:08:28,280 --> 00:08:31,120 Speaker 1: You know, doctor Sonya, this is all like, first of all, 183 00:08:31,120 --> 00:08:34,199 Speaker 1: you're so passionate about it. Oh, it's been your experience, 184 00:08:34,320 --> 00:08:36,480 Speaker 1: because I know that's where this stems from. Yeah, okay, 185 00:08:36,480 --> 00:08:38,080 Speaker 1: so let's just go back. I know that it looks 186 00:08:38,080 --> 00:08:39,199 Speaker 1: super youngest. 187 00:08:38,880 --> 00:08:40,280 Speaker 2: To the overdraft cloud. 188 00:08:40,400 --> 00:08:40,640 Speaker 3: Yeah. 189 00:08:40,800 --> 00:08:43,720 Speaker 1: So this started because I used to work in higher education, 190 00:08:44,200 --> 00:08:46,480 Speaker 1: and I had a perspective of adult learners. 191 00:08:46,480 --> 00:08:48,360 Speaker 3: I was enrollment and financial. 192 00:08:47,880 --> 00:08:50,160 Speaker 1: Way, and I would just say like I just used 193 00:08:50,200 --> 00:08:51,679 Speaker 1: to feel passionate, like I just got to make sure 194 00:08:51,720 --> 00:08:54,280 Speaker 1: Angelae news before she leaves what this looks like, because 195 00:08:54,280 --> 00:08:56,480 Speaker 1: she's an adult already. I was working with and I 196 00:08:56,520 --> 00:08:59,400 Speaker 1: wanted her to borrow wisely be able to for her mortgage, 197 00:08:59,400 --> 00:09:02,120 Speaker 1: like did you see picture? And then from a doctoral level, 198 00:09:02,160 --> 00:09:04,720 Speaker 1: I studied this as well, how STU loons affect African 199 00:09:04,760 --> 00:09:07,120 Speaker 1: American women. So I say all that to say I 200 00:09:07,160 --> 00:09:09,440 Speaker 1: am passionate about it because I am an African American 201 00:09:09,480 --> 00:09:10,760 Speaker 1: woman who has student loan. 202 00:09:10,800 --> 00:09:13,199 Speaker 3: Dad well had been paying it off right. 203 00:09:13,240 --> 00:09:16,600 Speaker 1: And I said, nobody's talking about this. This is the 204 00:09:16,760 --> 00:09:20,600 Speaker 1: thing that is like the silent financial killer. And the 205 00:09:20,679 --> 00:09:23,400 Speaker 1: problem with that is, no matter how much I compete 206 00:09:23,600 --> 00:09:25,679 Speaker 1: with my peers, I used to see this. And when 207 00:09:25,679 --> 00:09:27,800 Speaker 1: I used to work in the workforce, let's save me 208 00:09:27,840 --> 00:09:33,160 Speaker 1: and you worked same place, made the same salary. I 209 00:09:33,280 --> 00:09:37,280 Speaker 1: found out that you had support with college, You're financially 210 00:09:37,320 --> 00:09:39,880 Speaker 1: ahead of me, you live in a different zip code, 211 00:09:40,000 --> 00:09:43,120 Speaker 1: you drive a better car. I'm over here with beans 212 00:09:43,120 --> 00:09:44,680 Speaker 1: and rice at the same job. 213 00:09:45,040 --> 00:09:48,000 Speaker 2: What is it African Americans like twenty years after fifteen 214 00:09:48,080 --> 00:09:51,240 Speaker 2: or twenty years after graduating, their levels are higher. 215 00:09:52,040 --> 00:09:53,400 Speaker 3: Well, the problem is interest. 216 00:09:54,040 --> 00:09:56,199 Speaker 1: This is a little baby loan when it starts off, 217 00:09:56,280 --> 00:09:59,280 Speaker 1: but then the interest and it's even I think that's 218 00:09:59,280 --> 00:10:02,160 Speaker 1: illegal house the interests of cruise on a student loan 219 00:10:03,320 --> 00:10:05,640 Speaker 1: before anything. And you know, I want to say, even 220 00:10:05,679 --> 00:10:08,120 Speaker 1: aside from all of that, the financial burden of these 221 00:10:08,160 --> 00:10:11,800 Speaker 1: student loans. Think about like internships, how important that is 222 00:10:11,840 --> 00:10:14,439 Speaker 1: in college and a lot of times we may want 223 00:10:14,440 --> 00:10:16,480 Speaker 1: to do an internship somewhere or get our foot in 224 00:10:16,480 --> 00:10:18,640 Speaker 1: the door somewhere. But if we can't afford to get 225 00:10:18,640 --> 00:10:22,040 Speaker 1: housing in a different city and also not make like 226 00:10:22,120 --> 00:10:23,920 Speaker 1: a certain salary, then. 227 00:10:23,800 --> 00:10:25,480 Speaker 3: That's off the table for us too. 228 00:10:26,320 --> 00:10:28,839 Speaker 1: Well, I think the thing is where it really showed 229 00:10:28,920 --> 00:10:33,079 Speaker 1: up for me at what's homeownership? So do you know 230 00:10:33,120 --> 00:10:36,160 Speaker 1: how many people come to us because we're in the 231 00:10:36,200 --> 00:10:39,840 Speaker 1: middle of their home purchase literally and we can't do 232 00:10:39,880 --> 00:10:40,960 Speaker 1: anything in the middle. 233 00:10:41,000 --> 00:10:41,640 Speaker 3: We can help you. 234 00:10:41,559 --> 00:10:45,960 Speaker 1: Before if you're going to buy a home, they're looking 235 00:10:46,000 --> 00:10:49,240 Speaker 1: at everything you have to your name. The student loan 236 00:10:49,360 --> 00:10:52,800 Speaker 1: looks like you already have a mortgage, So why would they. 237 00:10:52,800 --> 00:10:54,199 Speaker 3: Give you another one? 238 00:10:54,280 --> 00:10:56,280 Speaker 1: Oh, and please don't have the fault it on your 239 00:10:56,320 --> 00:10:58,679 Speaker 1: student loans. Now you look like you're going to do 240 00:10:58,760 --> 00:11:02,120 Speaker 1: what the fault on your federal mortgage? And then people 241 00:11:02,160 --> 00:11:03,760 Speaker 1: don't know this that and I'll tell you so this 242 00:11:03,840 --> 00:11:05,720 Speaker 1: never happens to you. This happened to one of my 243 00:11:05,760 --> 00:11:09,280 Speaker 1: good friends. He defaulted on a student loan. He came 244 00:11:09,320 --> 00:11:12,280 Speaker 1: from me to me for help after he lost his 245 00:11:12,320 --> 00:11:15,280 Speaker 1: ability to get federal clearances moving forward. 246 00:11:15,320 --> 00:11:16,520 Speaker 3: He cannot have a. 247 00:11:16,559 --> 00:11:20,360 Speaker 1: Job that requires a federal security clarity because it looks 248 00:11:20,400 --> 00:11:23,240 Speaker 1: like you do what you're not a responsible citizen. 249 00:11:23,320 --> 00:11:25,080 Speaker 3: That's crazy. I thought that was wild. 250 00:11:25,160 --> 00:11:27,000 Speaker 1: Now it was one thing I always say because when 251 00:11:27,000 --> 00:11:30,000 Speaker 1: I have my student loans, I kept having to defer them. 252 00:11:30,040 --> 00:11:32,000 Speaker 1: But you have to do that, Like you can't just 253 00:11:32,040 --> 00:11:34,560 Speaker 1: default or not do anything. Yeah, that's wild to be 254 00:11:34,600 --> 00:11:35,319 Speaker 1: ignoring loans. 255 00:11:35,400 --> 00:11:37,720 Speaker 3: Yeah, you can't because you know some people. 256 00:11:37,760 --> 00:11:41,680 Speaker 1: I think also, there was so much confusion around student loans. 257 00:11:41,679 --> 00:11:43,360 Speaker 1: Some people were like, I'm just not going to because 258 00:11:43,360 --> 00:11:44,920 Speaker 1: they you know, I'm hoping that this is going to 259 00:11:44,960 --> 00:11:45,400 Speaker 1: have your caids. 260 00:11:45,400 --> 00:11:49,160 Speaker 2: It's a hope spring on student loans. And it was 261 00:11:49,200 --> 00:11:52,360 Speaker 2: like half forty percent of people with student loans weren't 262 00:11:52,400 --> 00:11:54,040 Speaker 2: doing anything about them. 263 00:11:54,280 --> 00:11:55,400 Speaker 3: It was absolutely no. 264 00:11:55,440 --> 00:11:58,080 Speaker 2: I know I would have gotten so complicated. 265 00:11:58,640 --> 00:12:00,800 Speaker 1: The whole thing is just okay. I would love for 266 00:12:00,840 --> 00:12:02,160 Speaker 1: you to sit in on a class that I do. 267 00:12:02,200 --> 00:12:04,720 Speaker 1: I do it every Monday night. It's free, we're together 268 00:12:04,760 --> 00:12:06,760 Speaker 1: for two hours. I have my little coffee prior to 269 00:12:07,200 --> 00:12:09,000 Speaker 1: and you know what we do. We log in a 270 00:12:09,040 --> 00:12:09,960 Speaker 1: student a dot gov. 271 00:12:10,160 --> 00:12:10,520 Speaker 3: That's it. 272 00:12:10,520 --> 00:12:13,160 Speaker 1: We're logging in and you're on your screen. I'm on 273 00:12:13,200 --> 00:12:15,880 Speaker 1: my screen. Sometimes we get a volunteer and I'm just 274 00:12:16,000 --> 00:12:18,520 Speaker 1: literally walking through the portal. And then while I'm doing that, 275 00:12:18,520 --> 00:12:20,280 Speaker 1: I'm teaching and educating on what they can get in 276 00:12:20,360 --> 00:12:23,160 Speaker 1: terms of forgiveness for payment. But then I do a question, 277 00:12:23,600 --> 00:12:25,280 Speaker 1: when's the last time you logged in? 278 00:12:25,400 --> 00:12:30,040 Speaker 3: Three years? Never six years? Nobody ever logged in last month? 279 00:12:30,480 --> 00:12:32,680 Speaker 1: Like you can pull the data from my zoom and 280 00:12:32,720 --> 00:12:36,000 Speaker 1: we have hundreds of people on there, sometimes thousands and 281 00:12:35,600 --> 00:12:40,040 Speaker 1: they've never logged in. Or it's a fear factor. What 282 00:12:40,120 --> 00:12:42,600 Speaker 1: am I gonna find when I go in here? So 283 00:12:42,640 --> 00:12:44,440 Speaker 1: what I had to tell people in my community is 284 00:12:44,440 --> 00:12:46,800 Speaker 1: we have to log in right now because this tax 285 00:12:46,840 --> 00:12:49,800 Speaker 1: season they're taking tax returns so if you log in 286 00:12:49,840 --> 00:12:51,440 Speaker 1: and see default, well what's today? 287 00:12:51,520 --> 00:12:52,000 Speaker 3: We're right? 288 00:12:52,400 --> 00:12:55,640 Speaker 1: No, remember, right, so you can get some December. See 289 00:12:55,640 --> 00:12:57,040 Speaker 1: I'm still gonna let you wrong. 290 00:12:58,440 --> 00:13:00,880 Speaker 3: Well all right, I mean I'm not. 291 00:13:02,679 --> 00:13:05,680 Speaker 1: You will get your return taken if you go to 292 00:13:05,760 --> 00:13:06,960 Speaker 1: file it in next month. 293 00:13:07,040 --> 00:13:09,360 Speaker 3: You know, we got plans for our returns. The plans 294 00:13:09,480 --> 00:13:12,560 Speaker 3: is going right over to the Department Education. And guess what. 295 00:13:12,720 --> 00:13:15,240 Speaker 1: That money never even gets to your student loans that 296 00:13:15,280 --> 00:13:17,160 Speaker 1: you owe. It goes to the interest in the fees 297 00:13:17,200 --> 00:13:19,480 Speaker 1: of the collection agency. What's how for thing with student 298 00:13:19,520 --> 00:13:22,720 Speaker 1: loans and credit reporting? Now, all right, so a couple 299 00:13:22,720 --> 00:13:24,600 Speaker 1: of things. Well, we're seeing a couple of things. The 300 00:13:24,679 --> 00:13:27,560 Speaker 1: Save plan is really dropping people's credit by one hundred points. 301 00:13:27,559 --> 00:13:30,120 Speaker 1: So if you're listening and you're like, oh my god, 302 00:13:30,160 --> 00:13:33,320 Speaker 1: that's why my credit drop is because they have people 303 00:13:33,400 --> 00:13:37,920 Speaker 1: in this forever Forbearan's plan until recent and people were 304 00:13:38,040 --> 00:13:41,199 Speaker 1: actually like a couple lawsuits spending we were talking about, 305 00:13:41,400 --> 00:13:44,280 Speaker 1: because the lenders are not letting people out if they 306 00:13:44,280 --> 00:13:46,800 Speaker 1: were in the Save Plan. You literally have to pull 307 00:13:46,920 --> 00:13:49,520 Speaker 1: teeth to get out of the plan. If not, your 308 00:13:49,559 --> 00:13:51,800 Speaker 1: credit is dropping as a result of it. Yeah, I say, 309 00:13:51,840 --> 00:13:54,760 Speaker 1: you saying that there were some lawsuits. Yeah, that happens 310 00:13:54,880 --> 00:13:59,199 Speaker 1: now ne Navia and Mohelia. So Navian already got approved 311 00:13:59,200 --> 00:14:02,360 Speaker 1: through the CFP Consumer Financial Protection Bureau for one hundred 312 00:14:02,400 --> 00:14:03,520 Speaker 1: and twenty million. 313 00:14:03,400 --> 00:14:04,640 Speaker 3: But that is not a big number. 314 00:14:04,679 --> 00:14:06,480 Speaker 1: I want everybody to know that that's not a big 315 00:14:06,720 --> 00:14:09,400 Speaker 1: one hundred and twenty million is not an relative to 316 00:14:09,400 --> 00:14:11,120 Speaker 1: how many people Navian has served. 317 00:14:11,280 --> 00:14:12,960 Speaker 3: But this is what they did. Angelus is crazy. 318 00:14:13,440 --> 00:14:15,679 Speaker 1: If you were a client and Navian and they knew 319 00:14:15,720 --> 00:14:17,520 Speaker 1: that they were the lawsuit was going to go through. 320 00:14:17,840 --> 00:14:21,240 Speaker 1: One day, you woke up and now you had Advantage 321 00:14:21,360 --> 00:14:22,920 Speaker 1: and you're like, oh my god, I never I don't 322 00:14:22,920 --> 00:14:24,640 Speaker 1: even know how to log in. I don't have them. 323 00:14:24,920 --> 00:14:25,400 Speaker 3: Yes, you do. 324 00:14:25,840 --> 00:14:28,720 Speaker 1: They off boarded and sold without telling people. You just 325 00:14:28,760 --> 00:14:31,240 Speaker 1: literally got a letter from Advantage a month later. So 326 00:14:31,280 --> 00:14:33,120 Speaker 1: if you're listening your ones like, oh my god, that's 327 00:14:33,120 --> 00:14:36,720 Speaker 1: why got switched. Yes, certain lenders and Mohelia's next on 328 00:14:36,720 --> 00:14:40,480 Speaker 1: the list have to off board quickly so that when 329 00:14:40,560 --> 00:14:43,160 Speaker 1: the judgment of this lawsuit goes through like it did 330 00:14:43,160 --> 00:14:45,680 Speaker 1: for Navient, they don't want to have that many people. 331 00:14:45,720 --> 00:14:48,360 Speaker 1: They have to notify the pay. Does that make sense yes, 332 00:14:48,760 --> 00:14:51,080 Speaker 1: So what we have been doing is telling people because 333 00:14:51,080 --> 00:14:53,280 Speaker 1: this came out through the CFPB, and I only report 334 00:14:53,320 --> 00:14:56,040 Speaker 1: and say things that I have actual proof on. They said, hey, 335 00:14:56,160 --> 00:14:59,360 Speaker 1: if you actually had Navian as a lender, please send 336 00:14:59,400 --> 00:15:01,960 Speaker 1: us a complaint to let us know because they're probably 337 00:15:01,960 --> 00:15:04,880 Speaker 1: gonna go back to court to revise the current lawsuit, 338 00:15:05,080 --> 00:15:06,440 Speaker 1: which hadn't been dispersed yet. 339 00:15:06,800 --> 00:15:09,520 Speaker 3: Wow. See, good things to know if you had no idea, 340 00:15:09,640 --> 00:15:10,960 Speaker 3: because you do have. 341 00:15:10,840 --> 00:15:14,120 Speaker 1: Some power you do, you have to say something. Nobody's 342 00:15:14,160 --> 00:15:15,880 Speaker 1: gonna knock on your door. And if this is a scam, 343 00:15:16,000 --> 00:15:18,240 Speaker 1: nobody's not gonna do to give you some money. So 344 00:15:18,320 --> 00:15:20,720 Speaker 1: be careful because right now that's at an all time high, 345 00:15:20,760 --> 00:15:21,640 Speaker 1: like oh click. 346 00:15:21,360 --> 00:15:22,960 Speaker 3: Here, do this. And then we've got like a lot 347 00:15:23,000 --> 00:15:24,520 Speaker 3: of trendy people. 348 00:15:24,360 --> 00:15:27,200 Speaker 1: Being influencers and like oh for just pay me ten 349 00:15:27,280 --> 00:15:29,400 Speaker 1: dollars and do I'm like, oh my god. Like, there 350 00:15:29,480 --> 00:15:31,400 Speaker 1: was this one thing that was flowing around on the internet. 351 00:15:31,440 --> 00:15:34,160 Speaker 1: It was driving me wild. Was about like filing some 352 00:15:34,560 --> 00:15:36,280 Speaker 1: FURPA complain. Did y'all hear about that one? 353 00:15:36,720 --> 00:15:39,000 Speaker 3: Oh lord? And I was like stop sending it to me. 354 00:15:39,040 --> 00:15:43,200 Speaker 1: I put a response video like please stop, because that's 355 00:15:43,240 --> 00:15:44,280 Speaker 1: not a way to get your loans. 356 00:15:44,280 --> 00:15:44,680 Speaker 3: Forgiven. 357 00:15:44,880 --> 00:15:49,000 Speaker 1: What I'm concerned about, because these things are so crafty now, 358 00:15:49,200 --> 00:15:50,479 Speaker 1: is that people are looking. 359 00:15:50,240 --> 00:15:52,640 Speaker 3: For shortcuts to get out of their loan debt. 360 00:15:52,880 --> 00:15:56,600 Speaker 1: But yeah, well people just also are over it and 361 00:15:56,640 --> 00:15:59,600 Speaker 1: they're just trying anything that works for ten dollars, So 362 00:15:59,680 --> 00:16:02,000 Speaker 1: you just have to be careful. Why would this ten 363 00:16:02,080 --> 00:16:03,680 Speaker 1: dollars situation work? 364 00:16:03,720 --> 00:16:04,240 Speaker 3: And you ow one. 365 00:16:04,200 --> 00:16:06,200 Speaker 1: Hundred thousand, like, let's just put a little math to it. 366 00:16:06,320 --> 00:16:08,160 Speaker 3: Yeah, and you're right. 367 00:16:08,200 --> 00:16:10,960 Speaker 1: One of the first steps is to log in literally 368 00:16:11,000 --> 00:16:12,480 Speaker 1: with the student a dot gov. 369 00:16:12,560 --> 00:16:13,920 Speaker 3: Say let's start there. 370 00:16:14,840 --> 00:16:17,600 Speaker 1: And then people are finding when they log in some 371 00:16:17,640 --> 00:16:20,920 Speaker 1: of this is not correct, Like I have seen where 372 00:16:21,000 --> 00:16:21,960 Speaker 1: people have had. 373 00:16:21,800 --> 00:16:23,400 Speaker 3: Incorrect loans on their account. 374 00:16:23,480 --> 00:16:28,240 Speaker 1: Oh damn, I am not taking nobody else's yeah, because 375 00:16:28,280 --> 00:16:32,360 Speaker 1: nobody's checking, or you'll get a notice that you've gotten forgiven. 376 00:16:32,440 --> 00:16:35,760 Speaker 1: But the administration and do anything that's common too. So 377 00:16:35,800 --> 00:16:38,120 Speaker 1: then you got to send a complaint inside the student 378 00:16:38,160 --> 00:16:39,840 Speaker 1: a dot gov asking like, hey, can. 379 00:16:39,720 --> 00:16:40,760 Speaker 3: We go ahead and wrap this up. 380 00:16:40,800 --> 00:16:43,240 Speaker 1: I have a letter here that says I was awarded 381 00:16:43,280 --> 00:16:46,760 Speaker 1: from the Biden administration. So then the Trump administration just 382 00:16:46,880 --> 00:16:49,440 Speaker 1: was told in court like release these funds. I call it, 383 00:16:49,680 --> 00:16:55,200 Speaker 1: because they were I make up because the Trump administration 384 00:16:55,400 --> 00:16:57,960 Speaker 1: was trying not to give the loan forgiveness that was 385 00:16:57,960 --> 00:17:01,840 Speaker 1: pre awarded to people that deserved it through the Biden administration. 386 00:17:02,240 --> 00:17:04,960 Speaker 1: So millions of people are held up over this, and 387 00:17:05,040 --> 00:17:07,399 Speaker 1: so they literally have to get this done within like 388 00:17:07,440 --> 00:17:10,360 Speaker 1: the next three months. They lost in court over that. 389 00:17:10,520 --> 00:17:16,680 Speaker 1: Good it's crazy. Wow, I'm not, but it was honestly 390 00:17:16,760 --> 00:17:19,520 Speaker 1: like divine that you came in today because I do 391 00:17:19,560 --> 00:17:22,359 Speaker 1: feel like with all of this news that just broke, 392 00:17:22,440 --> 00:17:25,359 Speaker 1: it's important for people to understand and like we said, 393 00:17:25,440 --> 00:17:27,879 Speaker 1: not just do nothing. Oh that's the worst thing you 394 00:17:27,920 --> 00:17:30,680 Speaker 1: could do. I mean, here's the thing. You you don't 395 00:17:30,720 --> 00:17:32,560 Speaker 1: want to lose a hundred credit points. It's like you 396 00:17:32,560 --> 00:17:34,320 Speaker 1: can't clean it up and get that back. You might 397 00:17:34,320 --> 00:17:37,000 Speaker 1: can get some of your points back, but one hundred, 398 00:17:37,080 --> 00:17:37,800 Speaker 1: y'all think. 399 00:17:37,640 --> 00:17:38,440 Speaker 3: About the fight go score. 400 00:17:38,440 --> 00:17:40,919 Speaker 1: It ain't that many hundreds to the fight gos seven hundred, 401 00:17:41,040 --> 00:17:42,320 Speaker 1: you know, eight hundred that greatest. 402 00:17:42,600 --> 00:17:45,600 Speaker 3: So a whole hundred can take you back a tier, and. 403 00:17:45,560 --> 00:17:47,680 Speaker 1: Then you're going to affect your interest rates or even 404 00:17:47,720 --> 00:17:48,440 Speaker 1: your ability to. 405 00:17:48,359 --> 00:17:50,800 Speaker 3: Get a loan and get a job, to get a 406 00:17:50,880 --> 00:17:51,240 Speaker 3: job in. 407 00:17:51,240 --> 00:17:54,440 Speaker 1: Some situation, credit scores are not created equal. Something I've 408 00:17:54,520 --> 00:17:57,240 Speaker 1: learned from having bad credit to really good credit is 409 00:17:57,240 --> 00:18:00,159 Speaker 1: that you are still a minority with credit. I'm let 410 00:18:00,200 --> 00:18:03,160 Speaker 1: you know right now, I have had a seven seventy 411 00:18:03,560 --> 00:18:06,560 Speaker 1: and I was treated like I needed to give a 412 00:18:06,640 --> 00:18:09,600 Speaker 1: blood test to get approval for things, even with high 413 00:18:09,680 --> 00:18:13,280 Speaker 1: income with I said, y'all treating me like I still 414 00:18:13,280 --> 00:18:15,920 Speaker 1: got bad credit, like I almost snapped out one time. 415 00:18:16,240 --> 00:18:19,639 Speaker 1: And the thing is is because it goes why do 416 00:18:19,680 --> 00:18:20,080 Speaker 1: you have that? 417 00:18:20,160 --> 00:18:21,760 Speaker 3: What's going on? How do you get that score? Or 418 00:18:21,800 --> 00:18:23,480 Speaker 3: when you have bad credit you can't get that. 419 00:18:23,640 --> 00:18:27,480 Speaker 2: I remember buying a buying car talking. I was looking 420 00:18:27,520 --> 00:18:30,679 Speaker 2: at buying a really nice car. So they ran everything 421 00:18:30,680 --> 00:18:33,720 Speaker 2: and they came out and they were like, you have 422 00:18:33,760 --> 00:18:39,560 Speaker 2: a really good credit score, son, And I'm like, yeah. 423 00:18:39,240 --> 00:18:41,480 Speaker 1: You know what I found because I have brought all 424 00:18:41,560 --> 00:18:43,680 Speaker 1: type of nice cars. I really lived at Barbie Life 425 00:18:43,680 --> 00:18:46,800 Speaker 1: and Miami Head Lamborghini. It's crazy. I don't live like 426 00:18:46,800 --> 00:18:50,400 Speaker 1: that anymore on financial content, but everybody has ball that moment, 427 00:18:50,520 --> 00:18:52,439 Speaker 1: and if you're judging me in these comments, judge yourself. 428 00:18:52,680 --> 00:18:54,680 Speaker 1: So here's what I would tell people. When I went 429 00:18:54,720 --> 00:18:58,320 Speaker 1: to get that car, I literally had I know the strategy. 430 00:18:58,440 --> 00:19:00,280 Speaker 1: I befriended my dealership. 431 00:19:00,840 --> 00:19:01,400 Speaker 3: I let my. 432 00:19:01,359 --> 00:19:04,119 Speaker 1: Deviship know who they worked with prior that I know 433 00:19:04,680 --> 00:19:08,119 Speaker 1: before going to get the car, so that the dealership 434 00:19:08,160 --> 00:19:12,119 Speaker 1: could advocate for me on behalf of Lamborghini. That is 435 00:19:12,160 --> 00:19:14,600 Speaker 1: what I'm about to come and spend some money with you, 436 00:19:14,680 --> 00:19:16,879 Speaker 1: and I got to make sure that you're willing to 437 00:19:16,880 --> 00:19:17,600 Speaker 1: take my money. 438 00:19:17,680 --> 00:19:19,200 Speaker 3: I went up there, and I can't make something. I 439 00:19:19,240 --> 00:19:20,640 Speaker 3: went up there three times. 440 00:19:20,640 --> 00:19:24,000 Speaker 1: Shout out to Bamborghini and Miami Florida. I went up 441 00:19:24,000 --> 00:19:26,840 Speaker 1: there three times and I just talked and just wanted 442 00:19:26,840 --> 00:19:27,639 Speaker 1: them to know me. 443 00:19:28,080 --> 00:19:31,000 Speaker 3: And then I named Drop and I know that's so everything. Yeah, no, 444 00:19:31,040 --> 00:19:32,920 Speaker 3: I'm so serious. I courted the divership. 445 00:19:33,960 --> 00:19:36,600 Speaker 1: Do you know that they called those people that I 446 00:19:36,680 --> 00:19:39,960 Speaker 1: said I knew and asked for a character reference to 447 00:19:40,200 --> 00:19:42,800 Speaker 1: make sure that the credit score and the money matched 448 00:19:42,960 --> 00:19:45,040 Speaker 1: with And they also get really mad if you sell 449 00:19:45,080 --> 00:19:46,760 Speaker 1: the car like they want you to keep it. They 450 00:19:46,760 --> 00:19:49,800 Speaker 1: don't want people because people will buy those if they're 451 00:19:49,880 --> 00:19:51,879 Speaker 1: like in demand, hard to get and then resell it. 452 00:19:52,240 --> 00:19:53,480 Speaker 3: I had Mines for three years. 453 00:19:53,520 --> 00:19:55,280 Speaker 1: But what I will say is because I had a 454 00:19:55,320 --> 00:19:59,320 Speaker 1: good relationship with that team, they called me and said, hey, 455 00:19:59,359 --> 00:19:59,960 Speaker 1: you ready to let. 456 00:19:59,880 --> 00:20:02,520 Speaker 3: Them the yours go. I was like, well, where's she 457 00:20:02,520 --> 00:20:04,360 Speaker 3: gotta go yours? And I was like, I don't want 458 00:20:04,359 --> 00:20:05,040 Speaker 3: to I like her. 459 00:20:05,440 --> 00:20:08,119 Speaker 1: He said no, he said, sell it to New York today. 460 00:20:08,560 --> 00:20:11,040 Speaker 1: He said, because right here in Florida is taking a 461 00:20:11,080 --> 00:20:13,679 Speaker 1: fifty k drop tomorrow like he was. I said, oh, 462 00:20:13,760 --> 00:20:15,360 Speaker 1: I said, do We got some friends in New York 463 00:20:15,680 --> 00:20:17,320 Speaker 1: and he helped me get it sold. 464 00:20:17,840 --> 00:20:20,840 Speaker 3: Say and I was spy. 465 00:20:23,680 --> 00:20:25,920 Speaker 1: Doctor Solia, what would you say to people who are like, 466 00:20:26,920 --> 00:20:28,800 Speaker 1: the investment in education isn't worth it? 467 00:20:29,040 --> 00:20:29,200 Speaker 3: Oh? 468 00:20:29,280 --> 00:20:31,679 Speaker 1: No, no, No, That's why I'm so concerned with all 469 00:20:31,760 --> 00:20:35,440 Speaker 1: of these reclassifications and changes and just the whole landscape 470 00:20:35,440 --> 00:20:38,680 Speaker 1: of suit loans. Like we still need teachers, we still 471 00:20:38,720 --> 00:20:41,159 Speaker 1: need nurses, we still need doctors. I don't know what 472 00:20:41,280 --> 00:20:43,440 Speaker 1: AI they thought it was going to do, but we 473 00:20:43,560 --> 00:20:46,160 Speaker 1: still need people to go to college. 474 00:20:46,880 --> 00:20:49,480 Speaker 3: Now, does everybody need to go to college? Angela? 475 00:20:49,840 --> 00:20:53,040 Speaker 1: No, I think that what we're finding because we're now 476 00:20:53,200 --> 00:20:55,920 Speaker 1: having to look at the economy, we're having to look 477 00:20:55,960 --> 00:20:57,120 Speaker 1: on return on investment. 478 00:20:57,520 --> 00:20:59,520 Speaker 3: I will be the first to tell you everybody. 479 00:20:59,119 --> 00:21:01,800 Speaker 1: Should not go to school because some people will be 480 00:21:01,920 --> 00:21:05,040 Speaker 1: saddled with without a way out right, But in these 481 00:21:05,200 --> 00:21:07,560 Speaker 1: cases that the especially some of the degrees that they're 482 00:21:07,560 --> 00:21:10,919 Speaker 1: trying to touch, I'm really concerned that now people are 483 00:21:11,000 --> 00:21:12,639 Speaker 1: not gonna want to go into those fields. 484 00:21:12,840 --> 00:21:15,600 Speaker 3: Who're gonna teach the kids? Who's going to help you 485 00:21:15,680 --> 00:21:17,720 Speaker 3: in terms of nursing, which is already a shortage in 486 00:21:17,840 --> 00:21:18,200 Speaker 3: the field. 487 00:21:18,840 --> 00:21:19,200 Speaker 2: I don't. 488 00:21:19,560 --> 00:21:22,800 Speaker 1: I think this administration is so crazy. They're not thinking 489 00:21:22,920 --> 00:21:26,399 Speaker 1: through the long term. But I hate us. What about 490 00:21:27,280 --> 00:21:30,040 Speaker 1: the next administration? Though this is something they can come back. 491 00:21:29,880 --> 00:21:32,639 Speaker 3: And everything is undoable. The problem is. 492 00:21:34,600 --> 00:21:37,520 Speaker 1: Before we can vote again for that two three lot 493 00:21:38,480 --> 00:21:42,320 Speaker 1: before we can vote, but then three more until So 494 00:21:42,560 --> 00:21:44,639 Speaker 1: that's not how many years of a gap in the 495 00:21:44,720 --> 00:21:49,600 Speaker 1: workforce workforce, because that's arias if we don't do things. 496 00:21:49,640 --> 00:21:51,920 Speaker 1: So here's what I will tell you. I'm really thinking 497 00:21:51,960 --> 00:21:54,800 Speaker 1: about this, angel, I'm not like smoking mirrors. I'm thinking 498 00:21:54,880 --> 00:21:58,200 Speaker 1: about how as even people like myself, like how can 499 00:21:58,320 --> 00:22:02,080 Speaker 1: we give and do more scholarships? How can we assist 500 00:22:02,160 --> 00:22:04,440 Speaker 1: with grants? Like how Because it's going to have to 501 00:22:04,520 --> 00:22:07,320 Speaker 1: be the collective community, it's going to have to step 502 00:22:07,440 --> 00:22:10,880 Speaker 1: up to fill the gap that this administration is taken away. Yeah, 503 00:22:11,040 --> 00:22:13,359 Speaker 1: and so I am doing scholarships by the way, Okay, 504 00:22:13,760 --> 00:22:15,879 Speaker 1: get to that. Yes, oh yeah, so I don't know 505 00:22:15,920 --> 00:22:19,639 Speaker 1: in this areas, but I'm excited that. But my high school, 506 00:22:20,320 --> 00:22:22,760 Speaker 1: my senior year, my mom was really sick and was 507 00:22:22,800 --> 00:22:25,280 Speaker 1: in a coma and we missed the financial a window. 508 00:22:25,480 --> 00:22:27,400 Speaker 1: That's also why I'm probably passionate about all this stuff. 509 00:22:27,400 --> 00:22:30,000 Speaker 1: I had to learn it at like eighteen, and my 510 00:22:30,320 --> 00:22:32,000 Speaker 1: principal was like, where are you going to college? And 511 00:22:32,240 --> 00:22:34,600 Speaker 1: I was like the class president, school president, I'm like nowhere. 512 00:22:35,000 --> 00:22:36,000 Speaker 3: She's like you, what do you mean. 513 00:22:36,080 --> 00:22:37,280 Speaker 1: I was like, oh, we don't have the money. We 514 00:22:37,320 --> 00:22:38,520 Speaker 1: missed the financial way. I was like, you know, my 515 00:22:38,600 --> 00:22:43,080 Speaker 1: mom's lacoma and she was like no, So my school 516 00:22:43,240 --> 00:22:48,119 Speaker 1: gifted me sixteen thousand. So now listen, I'm a hustler, 517 00:22:48,200 --> 00:22:50,439 Speaker 1: Like I knew that when I got to school. I'm 518 00:22:50,640 --> 00:22:52,480 Speaker 1: here on this sixteen y'all don't know what other money's 519 00:22:52,520 --> 00:22:54,919 Speaker 1: coming from yet. So when I got there, I literally 520 00:22:55,040 --> 00:22:57,680 Speaker 1: got a full ride when I got there, but somebody 521 00:22:57,800 --> 00:22:59,480 Speaker 1: had some money. And I'm old school. I had to 522 00:22:59,560 --> 00:23:02,560 Speaker 1: knock on every door and ax, who has scholarship money? 523 00:23:02,760 --> 00:23:03,440 Speaker 3: So you can't come to me? 524 00:23:03,520 --> 00:23:05,640 Speaker 1: So somebody don't know about applause. Scholarshis girl. 525 00:23:05,640 --> 00:23:08,119 Speaker 3: I had my money's alread knocked on every door, but 526 00:23:08,240 --> 00:23:10,159 Speaker 3: this was just at the institution. I was knocking on 527 00:23:10,200 --> 00:23:12,000 Speaker 3: the art department. I was gonna be art major. I 528 00:23:12,080 --> 00:23:13,399 Speaker 3: was knocking on I was gonna be that. 529 00:23:14,040 --> 00:23:16,719 Speaker 1: But you said I needed to become a stay in college, right, 530 00:23:16,840 --> 00:23:18,440 Speaker 1: I'm from Philly and I wasn't going back home. 531 00:23:19,359 --> 00:23:20,840 Speaker 3: Sorry, y'all shout out to Philly. 532 00:23:21,200 --> 00:23:22,960 Speaker 1: And but at the time it was so bad. It 533 00:23:23,080 --> 00:23:25,600 Speaker 1: was all this violence, and I was like, I gotta stay. 534 00:23:25,640 --> 00:23:27,840 Speaker 1: And I told everybody that would listening to my story. 535 00:23:27,960 --> 00:23:29,520 Speaker 1: So I did get a full ride as a result 536 00:23:29,560 --> 00:23:32,160 Speaker 1: of it. Now fast forward, I think back to this moment. 537 00:23:32,200 --> 00:23:34,440 Speaker 1: I'm in a position to give. I'm giving my high 538 00:23:34,480 --> 00:23:37,399 Speaker 1: school sixteen thousand oh next to me, so I'm really excited. 539 00:23:37,400 --> 00:23:40,120 Speaker 1: They don't know what's coming. It's a surprise to the seniors. 540 00:23:40,560 --> 00:23:42,080 Speaker 1: And I'm like, I just think that you should start 541 00:23:42,160 --> 00:23:44,840 Speaker 1: with local. I think you should start with who helped 542 00:23:44,880 --> 00:23:48,000 Speaker 1: you first, Like I have a helpless wishless of who 543 00:23:48,080 --> 00:23:50,040 Speaker 1: I want to support, which would be my high school, 544 00:23:50,119 --> 00:23:51,080 Speaker 1: my college, and my church. 545 00:23:51,560 --> 00:23:53,720 Speaker 3: That's where my giving will be. And I tell you 546 00:23:53,760 --> 00:23:55,000 Speaker 3: paid your mama's mortgage on. 547 00:23:55,200 --> 00:23:57,600 Speaker 1: Oh, you gotta help your mama first. So let me 548 00:23:57,640 --> 00:23:59,880 Speaker 1: tell you true story. My mom is a very prideful woman. 549 00:24:00,080 --> 00:24:02,359 Speaker 1: She went to college, did all the right things. One 550 00:24:02,400 --> 00:24:04,960 Speaker 1: of her students got her sick with meningitis, one of 551 00:24:05,000 --> 00:24:06,879 Speaker 1: the first cases in the US, and she lost her 552 00:24:06,920 --> 00:24:10,440 Speaker 1: hearing and had to retire. So she's on her retirement 553 00:24:10,600 --> 00:24:13,160 Speaker 1: and her social security. But you know, cost of living 554 00:24:13,280 --> 00:24:16,280 Speaker 1: is going up, and her base is here, and she's 555 00:24:16,400 --> 00:24:19,159 Speaker 1: rarely really a pride for woman. So I always ask, like, 556 00:24:19,200 --> 00:24:21,119 Speaker 1: mommy need anything with just a little cash hap here 557 00:24:21,119 --> 00:24:21,359 Speaker 1: in here? 558 00:24:21,880 --> 00:24:23,879 Speaker 3: But she had. She kept saying, no, I'm good, I'm good. 559 00:24:23,920 --> 00:24:25,800 Speaker 3: I'm like, oh no, like I did the math for 560 00:24:25,880 --> 00:24:26,920 Speaker 3: your math and good. 561 00:24:27,359 --> 00:24:29,440 Speaker 1: So one day I go to the house and I 562 00:24:29,600 --> 00:24:32,960 Speaker 1: see a red overdue notice for the mortgage and I'm like, no, no, no, 563 00:24:33,040 --> 00:24:35,840 Speaker 1: wait a minute, that's kes to be driving Lamborghini's on 564 00:24:35,920 --> 00:24:38,719 Speaker 1: in your arm. Mortgage is overdue. I'm like, now, oh, 565 00:24:38,800 --> 00:24:42,200 Speaker 1: this is this is ghetto. And I said, I said, 566 00:24:42,400 --> 00:24:45,000 Speaker 1: is this accurate my mom's death, by the way, now 567 00:24:45,640 --> 00:24:49,000 Speaker 1: is this accurate? It's just that And then you know 568 00:24:49,160 --> 00:24:50,800 Speaker 1: you gotta take a step back because she could snap 569 00:24:50,880 --> 00:24:54,040 Speaker 1: on you. I guess she's prideful anyway, she says. She 570 00:24:54,280 --> 00:24:55,880 Speaker 1: was like, I'm gonna be all right, I'm gonna figure 571 00:24:55,880 --> 00:24:56,120 Speaker 1: it out. 572 00:24:56,160 --> 00:24:57,280 Speaker 3: And I'm like, what. 573 00:24:57,600 --> 00:25:01,000 Speaker 1: Money, you know? And then she's like she's like, she 574 00:25:01,119 --> 00:25:03,159 Speaker 1: was like, the Lord will provide. So I said, well, 575 00:25:03,160 --> 00:25:04,040 Speaker 1: I guess I'm provided. 576 00:25:04,080 --> 00:25:04,600 Speaker 3: He's the Lord. 577 00:25:05,080 --> 00:25:07,560 Speaker 1: So I said, can I look because remember, you can't 578 00:25:07,640 --> 00:25:08,919 Speaker 1: like look at your mom goes, I don't know how 579 00:25:09,000 --> 00:25:09,639 Speaker 1: y'all was raised. 580 00:25:09,520 --> 00:25:12,720 Speaker 3: But you can't be in a business like you was 581 00:25:12,760 --> 00:25:14,760 Speaker 3: abud to be in your mom business. I'm not supposed 582 00:25:14,760 --> 00:25:16,560 Speaker 3: to have got my hand cut off. Yeah, that's what 583 00:25:16,840 --> 00:25:18,920 Speaker 3: I said. Can I open it? You know because I 584 00:25:18,960 --> 00:25:22,360 Speaker 3: can see it? And she's like, actually, you ask her, right, 585 00:25:22,480 --> 00:25:25,159 Speaker 3: you asked her. I begged my mom to let me 586 00:25:25,280 --> 00:25:27,360 Speaker 3: see her credit and all of that. That's what I'm 587 00:25:27,600 --> 00:25:29,399 Speaker 3: I just signed on to do it. It was it 588 00:25:29,480 --> 00:25:31,439 Speaker 3: took me like months for her to allow me to. 589 00:25:31,440 --> 00:25:33,560 Speaker 1: Do because it's the thing people don't understand, like, I 590 00:25:33,560 --> 00:25:35,040 Speaker 1: don't know how y'all was raised, but you were just 591 00:25:35,119 --> 00:25:38,680 Speaker 1: not looking at your parents stuff. So right to pray, 592 00:25:38,720 --> 00:25:40,720 Speaker 1: Oh but my god, I got flashback, got hit, So 593 00:25:40,760 --> 00:25:43,920 Speaker 1: anyway to stay focused so I opened it and I 594 00:25:44,080 --> 00:25:45,080 Speaker 1: look and I'm like, okay. 595 00:25:45,520 --> 00:25:47,840 Speaker 3: So it was like twenty seven thousand or something, and 596 00:25:47,960 --> 00:25:51,040 Speaker 3: I'm like, I gotta do this. I'm like, I don't know. 597 00:25:51,840 --> 00:25:53,840 Speaker 1: I have a stash, but the stash is for like 598 00:25:53,880 --> 00:25:55,800 Speaker 1: the business stash and these other things. And I'm like, 599 00:25:55,920 --> 00:25:58,320 Speaker 1: but and I just remember I prayed on I'm like, God, 600 00:25:58,400 --> 00:25:59,880 Speaker 1: I'm like, this got to be the Mother's Day gift. 601 00:26:00,000 --> 00:26:01,560 Speaker 1: I'm like, and it will be done. And then all 602 00:26:01,600 --> 00:26:04,320 Speaker 1: I remember is that we had an influx in business. 603 00:26:04,359 --> 00:26:06,560 Speaker 1: I'm like, oh, this is the done the sick and 604 00:26:06,800 --> 00:26:09,560 Speaker 1: on Mother's Day, she thought I was giving her one 605 00:26:09,640 --> 00:26:12,240 Speaker 1: mortgage payment, right, That's why if you watched the video, 606 00:26:12,440 --> 00:26:14,840 Speaker 1: she and you can see she's deaf. She didn't understand 607 00:26:15,040 --> 00:26:17,040 Speaker 1: the numbers. Oh, she has an issue with numbers after 608 00:26:17,119 --> 00:26:19,480 Speaker 1: the stroke. So that's not like her being fake about 609 00:26:19,480 --> 00:26:22,159 Speaker 1: the numbers. She's really trying to comprehend, right. And I'm like, 610 00:26:22,600 --> 00:26:24,560 Speaker 1: and I said, no, what does this say? And she's 611 00:26:24,640 --> 00:26:28,080 Speaker 1: like twenty seven she said what this is? The watching 612 00:26:28,800 --> 00:26:31,960 Speaker 1: world out? I'm like in full and she like and 613 00:26:32,080 --> 00:26:34,200 Speaker 1: then it hit me, Please, ma'am, do not have a 614 00:26:34,240 --> 00:26:37,440 Speaker 1: heart attack. I'm not Aqui this because she started I 615 00:26:37,520 --> 00:26:41,040 Speaker 1: had to cut the video off. Started like and I said, 616 00:26:41,040 --> 00:26:44,000 Speaker 1: oh god, I said, I don't have Hella here. So 617 00:26:44,119 --> 00:26:47,000 Speaker 1: she got it together, I said, no, no, no, er no. 618 00:26:49,800 --> 00:26:52,320 Speaker 3: What a great feeling. Though she got it together. 619 00:26:53,040 --> 00:26:56,480 Speaker 1: We go to the bank and she's like crying and 620 00:26:56,640 --> 00:26:59,080 Speaker 1: like screaming in the bank and I'm like, crew, they 621 00:26:59,080 --> 00:27:03,639 Speaker 1: will arrest you. Stop hey, this second little comedy. And 622 00:27:03,800 --> 00:27:06,119 Speaker 1: the lady was like putting two and two together and 623 00:27:06,200 --> 00:27:07,879 Speaker 1: she's like, are you painting this off? And then the 624 00:27:07,960 --> 00:27:10,320 Speaker 1: lady behind the windows starts shouting and I'm like, oh 625 00:27:10,359 --> 00:27:12,680 Speaker 1: my god, we're the camera poo. But it wasn't really 626 00:27:12,760 --> 00:27:15,200 Speaker 1: for that. I think it's a good moment. I think 627 00:27:15,240 --> 00:27:18,439 Speaker 1: you should be a good giver if you are blessed 628 00:27:18,480 --> 00:27:21,080 Speaker 1: to do so. And I do think it starts at home. Yes, 629 00:27:22,040 --> 00:27:24,000 Speaker 1: and she needed it, Like this wasn't just a ball 630 00:27:24,040 --> 00:27:25,840 Speaker 1: out on my mom. Like I don't know what everybody 631 00:27:25,840 --> 00:27:28,800 Speaker 1: else got going on, as that's in the world of entrepreneurship. 632 00:27:28,880 --> 00:27:31,000 Speaker 1: But I know I needed to help her with that. 633 00:27:31,400 --> 00:27:36,800 Speaker 3: Did you know that she's nicer as a result honestly? 634 00:27:36,920 --> 00:27:39,879 Speaker 3: Financial stress? Oh gosh, I did? 635 00:27:41,080 --> 00:27:41,240 Speaker 2: I did? 636 00:27:41,400 --> 00:27:44,160 Speaker 1: Did that started this business? I didn't did it first? 637 00:27:44,200 --> 00:27:46,720 Speaker 1: If I didn't know, she come to the door. Well, 638 00:27:46,760 --> 00:27:48,960 Speaker 1: she had some cookies. I'm confused, what's going on. 639 00:27:49,040 --> 00:27:52,879 Speaker 3: I didn't know you baked. I mean literally, it's like 640 00:27:53,000 --> 00:27:55,800 Speaker 3: signs when the house of some smile no mortgage, Like 641 00:27:56,200 --> 00:27:59,359 Speaker 3: I wish I had pictures of it. I'm like, I 642 00:27:59,440 --> 00:28:02,159 Speaker 3: have a fear. But I said, I'm concerned about her. 643 00:28:02,440 --> 00:28:05,920 Speaker 3: She said, no, this is just her. It's aid, smile, 644 00:28:06,040 --> 00:28:08,240 Speaker 3: no more eage in like a few rooms. And I said, Mom, 645 00:28:08,280 --> 00:28:11,200 Speaker 3: what is it? She was like, it's just it's nothing 646 00:28:11,320 --> 00:28:12,520 Speaker 3: that bad, right, And. 647 00:28:12,600 --> 00:28:14,680 Speaker 2: You learned all this giving from your grandmother? 648 00:28:14,840 --> 00:28:18,600 Speaker 1: Yes, yes, So my grandmother was the first to graduate 649 00:28:18,720 --> 00:28:22,080 Speaker 1: college in our family, which set this whole tone. 650 00:28:22,840 --> 00:28:25,200 Speaker 3: So she was a one of seven out of South Carolina. 651 00:28:25,440 --> 00:28:27,520 Speaker 1: There's no financiate at the time, y'all, So I guess 652 00:28:27,520 --> 00:28:30,439 Speaker 1: you went to school in the fifties and her her 653 00:28:30,640 --> 00:28:33,119 Speaker 1: uncle said, you guys have to choose out of the 654 00:28:33,240 --> 00:28:35,520 Speaker 1: seven of you, who's going to be the one to 655 00:28:35,600 --> 00:28:38,080 Speaker 1: go to college because I only have enough save for one. 656 00:28:38,600 --> 00:28:42,000 Speaker 1: And they voted her. Wow, which really it does give me, 657 00:28:42,120 --> 00:28:44,760 Speaker 1: like you know, goosebumps. They changed the trajectory of our family. 658 00:28:45,320 --> 00:28:48,320 Speaker 1: So my grandmother is rule, and I'm not making this own. 659 00:28:48,440 --> 00:28:48,920 Speaker 3: I say rule. 660 00:28:49,200 --> 00:28:51,760 Speaker 1: You had to either go to college or military in 661 00:28:51,880 --> 00:28:56,080 Speaker 1: her home, or you you just not invited to. Like 662 00:28:56,280 --> 00:28:58,880 Speaker 1: she had a strong cutoff game, and I'm so bad 663 00:28:58,960 --> 00:29:02,880 Speaker 1: all out, but like she she was not going over 664 00:29:03,280 --> 00:29:05,360 Speaker 1: or being over back rooms for you. If you didn't 665 00:29:05,400 --> 00:29:07,760 Speaker 1: do one of the two. You had to have a 666 00:29:07,840 --> 00:29:11,360 Speaker 1: professional degree or military. I told her, And I was 667 00:29:11,400 --> 00:29:14,200 Speaker 1: the beloved grandchild. I told her I was gonna stop 668 00:29:14,280 --> 00:29:16,360 Speaker 1: school so I could work because I was making a 669 00:29:16,400 --> 00:29:17,720 Speaker 1: lot of money at Seers or something. 670 00:29:17,760 --> 00:29:19,560 Speaker 3: I was like like two thousand. I was like nineteen. 671 00:29:19,640 --> 00:29:21,960 Speaker 1: You know, every two weeks, you can't tell me not 672 00:29:22,040 --> 00:29:24,760 Speaker 1: a child. I had no bills and ILL sign her 673 00:29:24,840 --> 00:29:27,680 Speaker 1: some money and everything. And I told her and she said, 674 00:29:27,800 --> 00:29:31,080 Speaker 1: oh no, baby, she said, she said, my favor and 675 00:29:31,240 --> 00:29:34,000 Speaker 1: my home is only for those that are in school 676 00:29:34,080 --> 00:29:35,240 Speaker 1: or graduating after school. 677 00:29:35,280 --> 00:29:36,960 Speaker 3: You go. So now I got to hang up and 678 00:29:37,040 --> 00:29:39,320 Speaker 3: call back the advisor and ex for my classes. Back 679 00:29:39,600 --> 00:29:42,240 Speaker 3: shoe story. So I'm glad she let me quit. 680 00:29:42,760 --> 00:29:46,000 Speaker 2: And you've paid that forward. You've helped over fifty thousand people, 681 00:29:46,360 --> 00:29:50,200 Speaker 2: saved half a million dollars. Everybody out there wants to 682 00:29:50,280 --> 00:29:51,800 Speaker 2: know how they can work with you. How do people 683 00:29:51,880 --> 00:29:52,080 Speaker 2: do that? 684 00:29:52,360 --> 00:29:54,120 Speaker 1: So Instagram is where we have the most fun. That's 685 00:29:54,120 --> 00:29:56,400 Speaker 1: why I put all the updates our website. Doctor please 686 00:29:56,440 --> 00:29:58,320 Speaker 1: help me dot com, but really don't pay us. 687 00:29:58,320 --> 00:30:01,240 Speaker 3: Doctor's stop aga, please help me dot com. 688 00:30:01,640 --> 00:30:04,280 Speaker 1: Don't pay me. Don't pay anyone unless they can help you. 689 00:30:04,720 --> 00:30:07,040 Speaker 1: And for us, what does help look like? We teach 690 00:30:07,640 --> 00:30:10,560 Speaker 1: every Monday night and then we have a community that's 691 00:30:10,600 --> 00:30:14,640 Speaker 1: really just about education classes zooms out the yzoo, so 692 00:30:14,720 --> 00:30:16,920 Speaker 1: people would then roll into that. That's what payment would 693 00:30:16,920 --> 00:30:19,560 Speaker 1: look like. And it's really affordable. It's like a couple hundred. 694 00:30:19,600 --> 00:30:21,560 Speaker 1: We're not trying to rob anybody here. Like when we 695 00:30:21,640 --> 00:30:23,719 Speaker 1: got the guy forgiving nine hundred and ninety seven thousand, 696 00:30:23,920 --> 00:30:26,080 Speaker 1: he only paid us a couple hundred. He sent us 697 00:30:26,280 --> 00:30:27,440 Speaker 1: all this money for lunch. 698 00:30:27,520 --> 00:30:29,000 Speaker 3: Oh wow, he said, I don't know what to do. 699 00:30:29,160 --> 00:30:32,040 Speaker 1: He said, I feel like I robbed you, and I said, 700 00:30:32,080 --> 00:30:34,240 Speaker 1: you didnied. I said, we're blessed and we have volume. 701 00:30:34,360 --> 00:30:34,760 Speaker 3: You're good. 702 00:30:35,080 --> 00:30:36,960 Speaker 1: He said, I don't feel good about only paying you 703 00:30:37,000 --> 00:30:39,200 Speaker 1: a couple hundred. Because he couldn't see his way out 704 00:30:39,200 --> 00:30:41,560 Speaker 1: of his student loan debt, he's a neurosurgeon. 705 00:30:41,680 --> 00:30:44,440 Speaker 3: Wow, yeah, he said, I'm up here saving lives. He said, 706 00:30:44,440 --> 00:30:45,720 Speaker 3: I don't know have time to this. I don't know 707 00:30:45,720 --> 00:30:46,240 Speaker 3: how to log in. 708 00:30:46,680 --> 00:30:48,400 Speaker 1: And so when we helped him work it through, we 709 00:30:48,480 --> 00:30:51,080 Speaker 1: had to clean up his loans and his two parent 710 00:30:51,120 --> 00:30:54,280 Speaker 1: plus loans and then help them get forgiven once. 711 00:30:54,200 --> 00:30:57,400 Speaker 3: We cleaned it up. So it was like doing surgery. 712 00:30:57,480 --> 00:30:59,160 Speaker 3: I guess it's our version of surgery, right. I know 713 00:30:59,280 --> 00:31:02,360 Speaker 3: that donate for the scholarship fund. 714 00:31:02,480 --> 00:31:04,200 Speaker 1: Yes, so we are going to be starting a scholarship 715 00:31:04,240 --> 00:31:06,720 Speaker 1: because what my big wish, and it's actually easy for 716 00:31:06,800 --> 00:31:07,680 Speaker 1: me to do what I would like to do on 717 00:31:07,680 --> 00:31:09,959 Speaker 1: a bigger scale. I would like for people that are 718 00:31:10,000 --> 00:31:13,400 Speaker 1: connected to our trib or community to receive money towards 719 00:31:13,440 --> 00:31:15,640 Speaker 1: a student loan payment a month, Like I want to 720 00:31:15,640 --> 00:31:17,200 Speaker 1: be able to say, Angela, this month, we want to 721 00:31:17,200 --> 00:31:21,600 Speaker 1: pay your suit loans. We want to pay your's so manageable. Yeah, 722 00:31:21,600 --> 00:31:23,320 Speaker 1: and I think that we could do that as an 723 00:31:23,440 --> 00:31:26,520 Speaker 1: an organization right now. Not to be funny, I was 724 00:31:26,560 --> 00:31:29,200 Speaker 1: just waiting for people to actually get a repayment situation 725 00:31:29,400 --> 00:31:32,000 Speaker 1: set up. But after the news we just dropped. We 726 00:31:32,120 --> 00:31:34,320 Speaker 1: will be very busy y'all. Like, as I was just 727 00:31:34,400 --> 00:31:36,920 Speaker 1: saying in the break room, he walked in my faces 728 00:31:37,000 --> 00:31:39,160 Speaker 1: like I was like, this would happen right before. 729 00:31:40,000 --> 00:31:42,320 Speaker 3: Well I'm glad it did, though. I know how big 730 00:31:42,360 --> 00:31:42,880 Speaker 3: your reaches. 731 00:31:42,960 --> 00:31:46,080 Speaker 1: You really helped us, and as far as breaking everything 732 00:31:46,200 --> 00:31:48,480 Speaker 1: down and the importance of us going on with this 733 00:31:48,560 --> 00:31:51,640 Speaker 1: administration and how it affects us the everyday person. 734 00:31:51,800 --> 00:31:54,960 Speaker 3: So thank you for that. Thank you guys for this opportunity. 735 00:31:54,560 --> 00:31:56,480 Speaker 2: To go too far because you know we're having you 736 00:31:56,560 --> 00:31:57,480 Speaker 2: back on very soon. 737 00:31:58,720 --> 00:32:02,640 Speaker 1: Listen, we could be I'll fly in every time. This 738 00:32:02,760 --> 00:32:04,960 Speaker 1: stuff is going to be such a big part of 739 00:32:05,040 --> 00:32:07,840 Speaker 1: our world in twenty twenty six. Yes it is. I'm 740 00:32:07,880 --> 00:32:09,440 Speaker 1: not trying to be funny. I just didn't think they 741 00:32:09,480 --> 00:32:12,160 Speaker 1: were going to start this soon. This is aggressive. We're 742 00:32:12,240 --> 00:32:14,240 Speaker 1: not getting it those until July. 743 00:32:14,760 --> 00:32:19,040 Speaker 2: Okay, doctor Sonya Lewis aka the student loan doctor. 744 00:32:19,320 --> 00:32:22,360 Speaker 3: Till soon. Thank you so much, Thank you, We appreciate you.