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Speaker 1: Indeed is all you need.

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Speaker 2: We with muties.

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Speaker 3: What up?

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Speaker 2: What up? Glorious Wednesday, last day of August.

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Speaker 4: Shout out to Detroit.

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Speaker 2: We're here. It's like the home team man too.

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Speaker 4: What are we doing?

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Speaker 2: Beautiful day in the city.

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Speaker 4: What are we doing.

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Speaker 2: At home teams here?

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Speaker 4: Yeah, we put the back call out.

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Speaker 5: Shout everybody that was watching that Ransom Jams episode, very informative.

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Speaker 5: Shout everybody that tuned into episode two hundred yesterday with

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Speaker 5: Jamal King. Another legendary one. Shout out to the city

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Speaker 5: of Detroit. We got something special on the way. What

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Speaker 5: up though, and shout everybody that tune into the legendary

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Speaker 5: market Mondays is Monday, another classic, Love is Love?

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Speaker 2: We got a special one today, another one.

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Speaker 4: Just keep going. Man twenty four our news channel, we

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Speaker 4: just had We just had Matt and Keanu Watson on.

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Speaker 4: They just wrapped up about a half an hour ago,

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Speaker 4: dope episode of Rants and Gyms covering I think of

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Speaker 4: America's new program that's no Money down mortgages. So that's

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Speaker 4: big and right back, right back, like we never left.

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Speaker 5: Yeah, I'll be interested. How many people things going that

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Speaker 5: trend starts? I mean final institutions you think picked that up?

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Speaker 4: I don't know.

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Speaker 5: It's gonna be interesting to see. Had the home team

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Speaker 5: is here, sam My dog, what's going on? I see

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Speaker 5: you in here. It's gooody about to start. Shout to

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Speaker 5: all my educators out there that have started their new

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Speaker 5: week of their first week of school, Shout out to

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Speaker 5: all those that will be starting next week. I know

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Speaker 5: when we get to that late August feeling, it's that

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Speaker 5: that anxiety kicking. It's time to start to show again.

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Speaker 5: So happy New Year everyone that's going back back into

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Speaker 5: the building and doing the job, the most noble job

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Speaker 5: in the world, and that's educating all youth.

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Speaker 2: Shout out to all of y'all. Love is love, yeah

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Speaker 2: for sure.

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Speaker 4: So all right, we're not even gonna waste too much

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Speaker 4: time as we wait for Sonya to come in. Well,

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Speaker 4: let you know what's going on here. So eyl University

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Speaker 4: online platform that we created over two years ago, which

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Speaker 4: has grown to be one of the largest communities online

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Speaker 4: hands on education. We do weekly classes, we do weekly

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Speaker 4: uh investing trading session shout out to Chris. We do

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Speaker 4: monthly financial planning calls, we do book club, movie club,

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Speaker 4: real estate call to the mt the mortgage car it's

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Speaker 4: the whole community that we've been able to assemble. So

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Speaker 4: we do with these with these what's called open enrollments.

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Speaker 4: So the last Wednesday of the month, we we open

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Speaker 4: it up and we put it on YouTube and it's

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Speaker 4: just you know, kind of peak into the window of

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Speaker 4: what we do on a weekly pretty much a daily

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Speaker 4: basis at EYL University. So it's something that you know,

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Speaker 4: we try to just, you know, like I said, show

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Speaker 4: people exactly what's going on. If you're interested, then you

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Speaker 4: can join Voyo University. The biggest everything we do is

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Speaker 4: the biggest. So today's topic is something that's extremely timely

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Speaker 4: and I'll put a post up last week about Joe

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Speaker 4: Biden's student loan forgiveness program plan and it was very

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Speaker 4: well received. They got like over five hundred thousand views.

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Speaker 4: So what I talked about was his plan to forgive

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Speaker 4: ten thousand dollars to do loans if you make under

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Speaker 4: one hundred and twenty five thousand dollars and up to

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Speaker 4: twenty thousand dollars for Hell grant recipients that fit the

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Speaker 4: same income criteria. So being that you know, that's something

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Speaker 4: that's fresh out the news and it's time sensitive as well,

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Speaker 4: we thought that it would be a good topic to

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Speaker 4: cover tonight. So reached out to Sonya who is a

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Speaker 4: student loan specialist called student Loan Doctor. She's an ey

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Speaker 4: L alumni and she actually just came from investments. She

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Speaker 4: did invests. Well, so anybody that was at investments and

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Speaker 4: got to see her talk. You know, she gave a

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Speaker 4: bunch of information. Actually was able to go up there

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Speaker 4: by herself and speak for about forty five minutes. Had

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Speaker 4: a presentation how to boofit invest fest also, so anytime

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Speaker 4: that we get a chance to connect with Sonya is good. So, yeah,

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Speaker 4: this is going to be one of those very very

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Speaker 4: informative conversations. I'm sure that she'll provide a you know,

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Speaker 4: a ton of information and also at the end we'll

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Speaker 4: be answering some questions because I'm pretty sure that a

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Speaker 4: lot of people have questions in regards to student loans.

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Speaker 4: And if you don't have a question, then you might

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Speaker 4: be able to learn from somebody else's question. So there's

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Speaker 4: something that you know, definitely definitely looking forward to.

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Speaker 5: Sure, there are forty three million people who have student

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Speaker 5: loan debt, and I'm talking about all of us because

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Speaker 5: I am one of the us. I have STD loan debt,

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Speaker 5: So even I have questions, right because things change, and

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Speaker 5: every time change happens, there needs to be new explanations.

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Speaker 2: So I got some questions. Hopefully we can get some answers.

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Speaker 5: I've read a lot about it, just because I'm interested

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Speaker 5: I'm actually going through the process myself.

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Speaker 2: If you listen to an episode.

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Speaker 5: Which probably like over a year ago, I had applied

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Speaker 5: for loan forgiveness just being in public service, working for

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Speaker 5: thirteen years, ten of them being in Inner City. You know,

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Speaker 5: you qualify for long forgiveness after I think one hundred

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Speaker 5: and twenty payments, so I had met the criteria. I

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Speaker 5: felt like Isaiah Thomas though with the Jordan thing. I

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Speaker 5: don't know what I met the criteria to be accepted,

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Speaker 5: but I was not accepted. And now that there's new changes,

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Speaker 5: I get to apply again. So hopefully I'll fit the

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Speaker 5: criteria and have complete loan forgiven. It's not just ten thousand,

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Speaker 5: which I don't think i'll I don't think I'll qualified

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Speaker 5: for anymore unfortunately. But yeah, man, so it's gonna be

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Speaker 5: interesting tonight. I'm looking forward to it.

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Speaker 4: So all right, so we'll we'll get this started in

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Speaker 4: one minute. But before I just wanted to make an announcement.

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Speaker 4: I think Sonya is there. So we are having something

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Speaker 4: really really big in New York City next week that

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Speaker 4: we're very very excited about. For the first time ever.

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Speaker 4: You know, they let they let the financial guys in

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Speaker 4: the fashion world. So you know, we are. We've been

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Speaker 4: big on fashion for a long time. We always you know,

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Speaker 4: we talk about fashion a lot. So we're doing a

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Speaker 4: show at New York Fashion Week. Yeah, Monumental. Shout out

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Speaker 4: to Ally for sponsoring that, and shout out to the

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Speaker 4: United Masters for partnering with us on that. So yeah,

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Speaker 4: the first ever, you know, we're bringing financial literacy to

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Speaker 4: the world of fashion. It's a surprise as far as

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Speaker 4: like what's going to happen in the show because we

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Speaker 4: want to keep everything kind of secret and in the moment.

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Speaker 4: But it's gonna be super dope for sure. And uh yeah,

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Speaker 4: you can RVP if you want to attend. Space is

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Speaker 4: extremely limited, but again, yeah, for sure, try to get

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Speaker 4: there early advised. Hey what's going on? So, Hey, guys,

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Speaker 4: how I was just making an announcement. We're having a

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Speaker 4: show at New York Fashion Week, so you know, I'm

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Speaker 4: kind of excited about that. But the last thing I'll

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Speaker 4: say before I hand over the baton is for that

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Speaker 4: New York Fashion Week. Another thing that we just announced

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Speaker 4: just now is that we're going to have something exclusive

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Speaker 4: for EYL University members on Thursday. On Thursday, we're having

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Speaker 4: all day education workshop where we're bringing some of the

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Speaker 4: top minds in fashion world to come talk about their

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Speaker 4: career journey to educate people on the world to fashion

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Speaker 4: about career opportunities in fashion. So that's gonna be So

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Speaker 4: Friday is gonna be the show, but Thursday is gonna

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Speaker 4: be the all day education and that the Thursday part

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Speaker 4: is only gonna be for Eyo University people. So I'll

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Speaker 4: put that link. Maybe we can put that link in

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Speaker 4: the zoom and then we'll also put that link in

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Speaker 4: the Facebook group if you want to if you want

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Speaker 4: to attend that. But if you do want to attend

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Speaker 4: that Eyo University, make sure you sign up early because

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Speaker 4: it's on a first come, first serve basis as far

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Speaker 4: as as concerned. But that's gonna be a really really

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Speaker 4: dope education into the world of fashion if you're interested

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Speaker 4: in business and fashion and different things of that nature.

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Speaker 4: So all right, so let's get into this, Sonya without

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Speaker 4: further Ado. I want to I want to handle baton

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Speaker 4: over to you and let you do your thing.

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Speaker 6: I'm excited to be here. I had to tell the

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Speaker 6: captain to pull me up right to the gate and

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Speaker 6: a sweet for you guys, So listen, these announcements that

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Speaker 6: we're about to share today, and thank you so much

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Speaker 6: for having me on here, are so major, and I

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Speaker 6: want to make sure that we take our time and

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Speaker 6: walk through the information. I do want to start with

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Speaker 6: what's happening per bidens updates. More information just came out today,

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Speaker 6: so I'm really really excited to share that, and guys,

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Speaker 6: my biggest concern is that we're putting out all this

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Speaker 6: quality information, but people still may miss the application that's

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Speaker 6: attached to it, if that makes sense. So we really

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Speaker 6: really want to get into that conversation and hopefully have

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Speaker 6: a really great Q and A tonight as well. So

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Speaker 6: first thing first, if anybody's taking notes, I'm going to

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Speaker 6: just break some things down and then we'll get into it.

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Speaker 6: The application for the ten or twenty one thousand dollars

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Speaker 6: that Biden is given out is going to be released

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Speaker 6: in about four weeks, so it's really really important to

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Speaker 6: note in about four weeks we're going to see it

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Speaker 6: be released. I'm going to talk about some barriers to

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Speaker 6: receiving that money in just a second, but it is

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Speaker 6: going to be via an application, so I don't want

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Speaker 6: people to think that ten twenty thousand is magically going

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Speaker 6: to appear in their account. It's just not there has

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Speaker 6: to be an application completed. The quickest way a cheat

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Speaker 6: sheet if you will, to knowing how much money you're

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Speaker 6: going to get, is if you log into student aid

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Speaker 6: doc Gov. So student aid doc Gov. Log in and

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Speaker 6: you're going to click your dashboard. Well, guys, when they

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Speaker 6: log in, they're going to see two circles or one.

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Speaker 6: If you see a blue circle, that represents your student loans.

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Speaker 6: A green circle represents the pel grant. Now, not a

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Speaker 6: lot of us remember if we receive pel grant in college, Like,

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Speaker 6: do you guys remember that? Like you might have, might not,

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Speaker 6: but you know how old you are. I know, we

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Speaker 6: don't look at them, you know. I'm like, so we

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Speaker 6: have these conversations like no, So that's number one. So

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Speaker 6: log in and see if you see two circles, and

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Speaker 6: it just goes like this. If you see a green circle,

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Speaker 6: If you see two circles, you see a green circle,

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Speaker 6: you're most likely going to be eligible for the twenty K.

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Speaker 6: If you log in you only see a blue circle,

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Speaker 6: meaning you did not receive a pel grant, then you're

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Speaker 6: going to only be eligible for ten k, just as

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Speaker 6: simple as we could do it. So two circles twenty k,

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Speaker 6: one circle ten K, and don't worry about what's in

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Speaker 6: the circles. Okay. Now, the next thing is, these are

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Speaker 6: the important numbers. You have to have earned less than

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Speaker 6: one hundred and twenty five thousand for twenty and twenty

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Speaker 6: or twenty and twenty one. So they go to look

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Speaker 6: at your adjusted ghost income for twenty and twenty twenty

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Speaker 6: twenty one, and the number is one hundred twenty five thousand.

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Speaker 6: If you are married fouled jointly, the number goes up

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Speaker 6: to two hundred and fifty thousand. So it's just as

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Speaker 6: simple as that. Going by some people didn't file twenty

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Speaker 6: and twenty one taxes, right, so they're going by your

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Speaker 6: twenty twenty Somebody said, what if I didn't file those?

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Speaker 6: You need to go follow them and you have just

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Speaker 6: a simple say and then write this down. Guys, you

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Speaker 6: have up to a year to receive this, uh this money. Now,

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Speaker 6: I'm gonna be honest with you, Troy, and shot it.

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Speaker 6: I wouldn't wait a year, okay, because we know that

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Speaker 6: government programs change every day, so you should not wait

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Speaker 6: a year. You have up to a year. The next

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Speaker 6: thing is you're probably thinking, well, how do I know,

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Speaker 6: you know, if I'm going to receive this money, if I,

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Speaker 6: you know, have a circle and I made less than

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Speaker 6: one twenty five, here's the here's the last caveat. Now

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Speaker 6: this part's a little bit more trigger So I'm gonna

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Speaker 6: try to explain it through. You're going to have to

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Speaker 6: figure out if you have direct loans or FFEL loans.

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Speaker 6: So the Family Federal Education Loan Program is not sponsored

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Speaker 6: through the government. The government makes no money for everyone

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Speaker 6: that has an f f EL loan. About eight million

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Speaker 6: Americans have f FL loans, So about eight million people.

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Speaker 6: If they don't consolidate a SAP, they will not get

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Speaker 6: this money or they're not going to get as much money.

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Speaker 6: If they only have ff EL loans, and if they

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Speaker 6: have a mixture, they would get the money that applied

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Speaker 6: to their direct loans. But if you only have f

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Speaker 6: f EL loans, you will get no money. I know

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Speaker 6: that sounds really tricky, so let me say it again.

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Speaker 6: You must have direct loans for the money to be

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Speaker 6: applied towards your loan account, all right, And if we

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Speaker 6: were like in a super live session, I would say

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Speaker 6: type got it if you got it. So that here's

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Speaker 6: the tricky part, guys, we don't know how they're going

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Speaker 6: to give out this application link. My assumption is through

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Speaker 6: studentaid dot gov, but that website shuts down if you

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Speaker 6: look at it too hard. So I don't know how

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Speaker 6: this application is going to be disseminated once it does.

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Speaker 6: I know that we're committed to helping people at no

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Speaker 6: charge get it done. Be careful. A lot of skin

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Speaker 6: are starting right now, so I'm literally receiving screenshots in

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Speaker 6: my DM every day, Like this company said they can

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Speaker 6: help me do the twenty K application for only five hundred.

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Speaker 6: Don't pay that, so just be careful that you're going

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Speaker 6: to be get some phone calls, some texts. You don't

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Speaker 6: have to pay that, guys to get some help, but

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Speaker 6: you do want to help others that may not have

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Speaker 6: access to the internet, the computer, or just be not

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Speaker 6: tech savvy, because that is going to be the barrier

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Speaker 6: to receive the money. So that's the gist of what's

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Speaker 6: coming down the pipeline for that. I can go into

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Speaker 6: other updates, but I just wanted to pause there first.

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Speaker 5: Yeah, just some people that don't like if they don't

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Speaker 5: remember if they have a pel grant. So sixty percent

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Speaker 5: of student loan borrows are pelgrant recipients, so that could

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Speaker 5: be you. And predominantly most of the people who have

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Speaker 5: them are people of color. And it is incomeveysed, so

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Speaker 5: I think it's like, if you made under thirty five

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Speaker 5: thousand or maybe now it's fifty thousand as a household,

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Speaker 5: that you probably qualified for it. So if you're in

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Speaker 5: that when you went to school, if those were the

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Speaker 5: conditions that you probably qualify for a pelt band, you

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Speaker 5: probably got it right.

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Speaker 4: Yeah, So let's get into other updates before I forgot

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Speaker 4: to actually pin this link to Eyo University, so I'm

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Speaker 4: just do that real quick. So Eyo University once again

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Speaker 4: for anybody that just joined. This is something that we

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Speaker 4: do every single week, but we do it once a

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Speaker 4: month on YouTube. It's kind of like an opening roament,

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Speaker 4: what we call, and it's an open window into what

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Speaker 4: we have going on, which is a curriculum made up

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Speaker 4: of real estate stocks. Every single week, we do a

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Speaker 4: trading room with Chris, we do financial planning, we do

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Speaker 4: real estate, we do all kinds of stuff like that.

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Speaker 4: So long story, short we're doing a sale a flash

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Speaker 4: that we haven't done this in a few months, but

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Speaker 4: coming off of Investfest that's the last time we did

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Speaker 4: it was before that in the spring. So forty eight hours.

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Speaker 4: We're doing fifty percent off, which is five hundred dollars

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Speaker 4: for the entire year fourninety nine and Big Ezach And

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Speaker 4: it includes two hundred past videos, it includes everything. It's

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Speaker 4: like a thousand hours worth of content. And it actually

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Speaker 4: includes the Home Bodies Blueprint one, Volume one and two

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Speaker 4: from MG to More. That's thirty two hours of real

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Speaker 4: estate content. So it's probably the best deal that you've

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Speaker 4: ever received in your life. So, but you have to

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Speaker 4: enter cold Student. So go to Eyo University dot com

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Speaker 4: intercold Student and you get fifty percent off of your

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Speaker 4: annual membership for forty eight hours sale. So all right,

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Speaker 4: sonya my bad?

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Speaker 2: Yeah?

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Speaker 4: Can you can you talk about the other some other updates?

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Speaker 4: What's going on?

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Speaker 7: Hey?

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Speaker 6: Yes? All right, So we got a couple more important dates.

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Speaker 6: When I tell you, I feel like every day it's

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Speaker 6: a new day to be released. The next important date

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Speaker 6: is that the Public Service Loan Forgiveness limit waiver is

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Speaker 6: going to be ending on October thirty. First, I'm telling

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Speaker 6: you right now, I'm just looking at the Twitter from

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Speaker 6: the Department at They're not changing that date. Okay, They've

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Speaker 6: been sending it out like every day. And this is

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Speaker 6: the biggest loan forgiveness program in the history of student

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Speaker 6: alone day. I literally guys wake up every day to

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Speaker 6: a DM of somebody saying because they did something or

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Speaker 6: they heard something from us, even from your conference, that

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Speaker 6: was huge, just massive loan that forgiving at your conference

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Speaker 6: got I was just amazed. People were coming up. Literally,

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Speaker 6: one lady came up crying two hundred and two thousand forgiven,

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Speaker 6: and she said, I heard of you through the YOL

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Speaker 6: So I'm just really excited to see what's happening. So

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Speaker 6: let's talk about how to make that a reality for someone.

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Speaker 6: So I'm going to break this down and hope no

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Speaker 6: one gets a little lost. So from two thousand and

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Speaker 6: seven to twenty and twenty two, if you ever and

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Speaker 6: the key word here with Cheade and Troy is ever,

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Speaker 6: even if you didn't leave a good standing, even if

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Speaker 6: you never ever paid a student loan payment before, because

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Speaker 6: the people, you know, the brain would make you say

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Speaker 6: what I didn't. If you ever worked at a qualified employer.

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Speaker 6: We'll talk about that in a second. You are eligible

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Speaker 6: to get credit for that work time. You didn't have

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Speaker 6: to make a payment. You just had to show up

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Speaker 6: on work. Okay. If they said you went to work

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Speaker 6: and somebody can sign in a test to it, you're

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Speaker 6: going to get credit. And so when we think about government, military, education,

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Speaker 6: health care that's not for profit, we think about public service,

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Speaker 6: law enforcement, nonprofits of course those entities. If you've ever

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Speaker 6: I can't stress enough work there, you are eligible. Just

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Speaker 6: send the paperwork in. If your employer closed down, maybe

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Speaker 6: didn't leave on good terms. There is an option to

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Speaker 6: do what's called self certified, so don't worry about that.

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Speaker 6: Like literally, there's a box you'll check the mohelia slash

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Speaker 6: Department Education will get back to you and say if

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Speaker 6: they need anything further from you, but just fill out

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Speaker 6: the form. Okay. So that's number one. Number two this

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Speaker 6: is really really big. So guys, I don't know if

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Speaker 6: y'all know this, but the government recently admitted to messing up.

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Speaker 6: Did y'all know about that? The Department of Ed said

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Speaker 6: we messed up. They have a whole announcement out online

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Speaker 6: and how they messed up is they entrusted lenders to

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Speaker 6: keep count of every payment that was made towards PSL

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Speaker 6: left or towards an income driven repayment program. So just

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Speaker 6: imagine this a breakdown for you guys. So let's say Troy,

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Speaker 6: Let's say you ever call and you called your loan

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Speaker 6: lender and you was like, you know what, guys, I

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Speaker 6: can't make this payment? Can I get an extended forbearance?

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Speaker 6: You have a call for forbearance?

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Speaker 2: To Troy, Ever, yeah, I have.

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Speaker 6: Most people have. And when you called them where you

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Speaker 6: would leave that the call was only about two or

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Speaker 6: three minutes and.

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Speaker 2: They say, yes, I was. It was different times.

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Speaker 6: So there's a term for that that's technically illegal. That

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Speaker 6: is technically illegal. It's called for bearing steering. So what

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Speaker 6: that means is lenders every time you called them, they

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Speaker 6: were actually supposed to spend time with you on the

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Speaker 6: phone and ask you about your finances, ask you why

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Speaker 6: you couldn't make a payment, what's happening here? Right? And

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Speaker 6: instead they go okay, sure, And so you're like, WHOA,

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Speaker 6: I got off forget So that would be that happened

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Speaker 6: for a lot of people for months, years, right. So

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Speaker 6: here's what happens. So the government said, because that was illegal,

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Speaker 6: they should have done some proper counseling with you. They're

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Speaker 6: going to give up to three years of credit towards

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Speaker 6: student loan payments. So what does this look like in

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Speaker 6: November December, there is an exact date. They just said

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Speaker 6: in the late fall of this year. They're going to

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Speaker 6: credit anyone's account that was in for bear parents twelve

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Speaker 6: months at a time for up to three years. So

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Speaker 6: every twelve months it was one year, for up to

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Speaker 6: three years, they're going to give a credit towards your account.

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Speaker 6: You don't have to apply for it, you don't have

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Speaker 6: to do anything. They're just going to do an account adjustment.

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00:20:13,960 --> 00:20:16,159
Speaker 6: The only caveat again is you have to have a

401
00:20:16,200 --> 00:20:19,960
Speaker 6: direct loan. So if you're a role you know, shy

402
00:20:20,080 --> 00:20:22,960
Speaker 6: in the Public Service Loan Forgiveness program, you know you

403
00:20:23,040 --> 00:20:26,199
Speaker 6: have to meet a maximum of ten years. Well, I

404
00:20:26,240 --> 00:20:29,280
Speaker 6: don't know what everyone's calculation is that are in the

405
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Speaker 6: PSLF program, but just imagine, let's say you had seven

406
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Speaker 6: years in right, you got your back credit from your employers,

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Speaker 6: and this is why people are getting out of student

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Speaker 6: loan dad in thirty days. Then they're going to see

409
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Speaker 6: three years on top of that, of top of that eligibility.

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Speaker 6: So that so we're going to see a lot of

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Speaker 6: people already getting their loans clear through PSL left, and

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Speaker 6: then in November December, we're going to see a whole

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Speaker 6: other wave of people getting their loans clear. To be

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Speaker 6: honest with you, some people are not even going to

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00:20:55,560 --> 00:20:57,240
Speaker 6: need the money that bite is about to give out,

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Speaker 6: because that's how much your loan forgiveness is happening. Okay,

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00:21:00,280 --> 00:21:02,000
Speaker 6: so that's the big part right there. That's that we

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Speaker 6: have one more section to cover. Okay, it's a lot

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Speaker 6: happy there.

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Speaker 2: That's a lot.

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Speaker 5: So that public service I was before you came on.

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Speaker 5: I was speaking about the public service on because I

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Speaker 5: remember I told you that when I applied for their

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00:21:12,160 --> 00:21:14,399
Speaker 5: criteria was so ridiculous that like only one percent of

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Speaker 5: people qualifying, and that's changed.

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Speaker 2: I even had some coworkers that have actually done it.

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Speaker 5: But you said the part where if so like I

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Speaker 5: worked in the school and now the school has changed

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00:21:23,000 --> 00:21:25,960
Speaker 5: names four times, the principles no longer there, and you're

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Speaker 5: just tell them what we have to do.

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Speaker 2: You said, it's self self certified certified.

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Speaker 6: So when you look at the application on page one,

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Speaker 6: there's a little box that says, click here if you

434
00:21:35,160 --> 00:21:37,960
Speaker 6: have to self certify and give some reasons as to why. Now,

435
00:21:38,000 --> 00:21:39,960
Speaker 6: that's not something you want to do. It's only you.

436
00:21:40,000 --> 00:21:41,640
Speaker 6: Only do it if you have to do it, because

437
00:21:41,680 --> 00:21:44,040
Speaker 6: they're going to ask you for like maybe some tax returns,

438
00:21:44,280 --> 00:21:46,600
Speaker 6: some other proof that you work there. So that's going

439
00:21:46,680 --> 00:21:48,080
Speaker 6: to be the long route. We don't really have that

440
00:21:48,200 --> 00:21:52,000
Speaker 6: much time. Only do it if you know that if

441
00:21:52,040 --> 00:21:54,720
Speaker 6: that school is closed in this example, then do it.

442
00:21:54,880 --> 00:21:57,040
Speaker 6: If the school is still open and there's somebody there

443
00:21:57,080 --> 00:22:00,160
Speaker 6: that could attest to your work history, then go that route.

444
00:22:00,680 --> 00:22:02,600
Speaker 2: Gotcha, got you perfect morning.

445
00:22:03,640 --> 00:22:07,119
Speaker 6: Okay, one more update Barber's defense. So you saw the

446
00:22:07,200 --> 00:22:10,240
Speaker 6: article come out where the government was bragging about getting

447
00:22:10,280 --> 00:22:12,440
Speaker 6: about I think it was like thirteen million and stud

448
00:22:12,480 --> 00:22:15,879
Speaker 6: loans forgiven. Through Barber's defense, two hundred schools came out.

449
00:22:16,000 --> 00:22:18,080
Speaker 6: And this is what's really really important for the African

450
00:22:18,119 --> 00:22:21,560
Speaker 6: American community. You know, for profit schools always have targeted

451
00:22:21,840 --> 00:22:24,359
Speaker 6: our community. And so when we saw that list come out,

452
00:22:24,400 --> 00:22:28,080
Speaker 6: we're like, okay, game time, University of Phoenix, it t

453
00:22:28,240 --> 00:22:29,520
Speaker 6: Tech Deride.

454
00:22:29,560 --> 00:22:33,240
Speaker 4: Remember all those itt check those school.

455
00:22:34,480 --> 00:22:36,600
Speaker 6: So look at that list. I penned the list on

456
00:22:36,600 --> 00:22:38,520
Speaker 6: my page. You know you guys want to post your

457
00:22:38,520 --> 00:22:41,000
Speaker 6: stories like that list is so crucial. If you see

458
00:22:41,040 --> 00:22:43,720
Speaker 6: your school, you see your friends school or the area,

459
00:22:43,720 --> 00:22:45,840
Speaker 6: like you got an obligation to tell people to do

460
00:22:45,880 --> 00:22:49,000
Speaker 6: the application. Now, the application used to be a paper application,

461
00:22:49,440 --> 00:22:52,040
Speaker 6: twenty five pages long. Nobody was doing it. Now it's

462
00:22:52,080 --> 00:22:55,880
Speaker 6: online through studenta dot gov. You log in, click Barber's

463
00:22:55,920 --> 00:22:58,320
Speaker 6: defense and you just walk through it and you fill

464
00:22:58,359 --> 00:23:01,480
Speaker 6: out the reasons why you feel you're eligible to get

465
00:23:01,480 --> 00:23:04,239
Speaker 6: this money refunded. Now it is a long application. I'm

466
00:23:04,280 --> 00:23:07,000
Speaker 6: not gonna lie. We help with that. But here's the kicker, guys,

467
00:23:07,520 --> 00:23:09,479
Speaker 6: I don't want to see people if like, if you

468
00:23:09,520 --> 00:23:12,119
Speaker 6: see your school and you don't apply, it's extremely weird.

469
00:23:12,440 --> 00:23:15,560
Speaker 6: They're literally going to take that loan money off of

470
00:23:15,600 --> 00:23:19,240
Speaker 6: your credit totally forgive you. Here's the biggest caveat. They're

471
00:23:19,240 --> 00:23:22,080
Speaker 6: gonna give you some money back, like money money like

472
00:23:22,320 --> 00:23:25,680
Speaker 6: tangible checks. And I didn't believe this until my friend

473
00:23:25,840 --> 00:23:29,320
Speaker 6: screenshot at me or picture like what a check from

474
00:23:29,400 --> 00:23:32,080
Speaker 6: itc tech. I said, oh, this is real, you know,

475
00:23:32,160 --> 00:23:35,600
Speaker 6: can you hear about these things? And so he's gonna

476
00:23:35,600 --> 00:23:38,080
Speaker 6: get a checked for a little while, because anybody who

477
00:23:38,240 --> 00:23:41,080
Speaker 6: made payments towards the student loan or the interests of

478
00:23:41,119 --> 00:23:43,040
Speaker 6: these schools, they're going to get that money back in

479
00:23:43,080 --> 00:23:45,520
Speaker 6: the mail. So that's really really exciting. So make sure

480
00:23:45,720 --> 00:23:46,920
Speaker 6: you know how like back in the day, you never

481
00:23:46,920 --> 00:23:48,960
Speaker 6: really give them your real address. This is the time to

482
00:23:48,960 --> 00:23:52,160
Speaker 6: go to student egg back up and give your real

483
00:23:52,200 --> 00:23:54,360
Speaker 6: address so you can get your check. So that's what's

484
00:23:54,400 --> 00:23:57,600
Speaker 6: really really exciting about what's happening with Barber's defense. Okay,

485
00:23:57,760 --> 00:24:00,240
Speaker 6: all right, guys, I think I covered the majority of

486
00:24:00,320 --> 00:24:02,879
Speaker 6: information that's happening right now, so you could do some

487
00:24:03,000 --> 00:24:05,320
Speaker 6: Q and A, but those are the three biggest highlight

488
00:24:05,359 --> 00:24:07,600
Speaker 6: reels that's happened in the world of student loans, and

489
00:24:07,640 --> 00:24:10,840
Speaker 6: these things are happening concurrently, so people can be eligible

490
00:24:10,880 --> 00:24:12,240
Speaker 6: for more than one thing at a time.

491
00:24:13,480 --> 00:24:16,680
Speaker 4: Okay, So just going back to the beginning real quick.

492
00:24:16,720 --> 00:24:20,040
Speaker 4: I got a question the application you had mentioned at

493
00:24:20,040 --> 00:24:24,000
Speaker 4: the beginning. It is an application for Joe Biden's program,

494
00:24:24,160 --> 00:24:27,000
Speaker 4: and you get the two circles different things in nature.

495
00:24:27,080 --> 00:24:29,080
Speaker 4: Where do they get that, like, what's the website?

496
00:24:29,520 --> 00:24:31,520
Speaker 6: So they didn't release where the application is going to

497
00:24:31,560 --> 00:24:33,960
Speaker 6: be at yet, So we're like stalking it in real time.

498
00:24:34,280 --> 00:24:36,360
Speaker 6: We think it's going to be through studenta dot gov

499
00:24:36,400 --> 00:24:39,560
Speaker 6: because that's where every other application is. The only problem

500
00:24:39,600 --> 00:24:41,280
Speaker 6: is just going to be really honest, if it is

501
00:24:41,320 --> 00:24:43,600
Speaker 6: through studenta dot gov, you might want to log on

502
00:24:43,680 --> 00:24:45,960
Speaker 6: at like four am when nobody's on there because the

503
00:24:46,040 --> 00:24:49,280
Speaker 6: website keeps crashing like it's like Friday or something. So

504
00:24:49,560 --> 00:24:51,800
Speaker 6: just you know, take your time and be patient with applying,

505
00:24:51,840 --> 00:24:52,720
Speaker 6: but don't quit on it.

506
00:24:53,640 --> 00:24:53,840
Speaker 2: Yeah.

507
00:24:53,920 --> 00:24:56,480
Speaker 5: So I think one of the other big updates and

508
00:24:56,760 --> 00:24:58,639
Speaker 5: maybe people overlooked it because they were just they just

509
00:24:58,680 --> 00:25:01,080
Speaker 5: saw a ten thousand right in twenty thousand. If you

510
00:25:01,160 --> 00:25:04,120
Speaker 5: got the pelgrimt is that student loan repayment is back

511
00:25:04,119 --> 00:25:04,840
Speaker 5: in effect.

512
00:25:05,080 --> 00:25:07,080
Speaker 2: So January first, twenty.

513
00:25:07,680 --> 00:25:11,680
Speaker 6: Twenty twenty three, Yes, January first. So I have one

514
00:25:11,680 --> 00:25:14,720
Speaker 6: more update and I was looking I think MG moriy

515
00:25:14,720 --> 00:25:17,000
Speaker 6: S guy posted something about this, right, so I was like,

516
00:25:17,000 --> 00:25:18,560
Speaker 6: I want to clarify this with him. So let me

517
00:25:18,640 --> 00:25:20,639
Speaker 6: just give you one last thing that Biden did you

518
00:25:20,680 --> 00:25:23,560
Speaker 6: recently that was really excited about. So then when the

519
00:25:23,680 --> 00:25:28,000
Speaker 6: Obama administration came in, they lowered the income driven Repayment

520
00:25:28,000 --> 00:25:30,560
Speaker 6: Plan from fifteen percent to ten percent. They call it

521
00:25:30,560 --> 00:25:33,600
Speaker 6: the repay plan. So Biden this how I know y'all

522
00:25:33,640 --> 00:25:35,720
Speaker 6: ain't gonna be no more extensions because he was like,

523
00:25:35,800 --> 00:25:37,679
Speaker 6: this is gonna be the last one. Plus this and

524
00:25:37,720 --> 00:25:40,440
Speaker 6: the plus this is he changed the repayment plan from

525
00:25:40,480 --> 00:25:43,240
Speaker 6: ten percent repayment to five percent. So it's like with

526
00:25:43,280 --> 00:25:45,000
Speaker 6: shouta Troy. If you can't pay your loans at five

527
00:25:45,000 --> 00:25:46,800
Speaker 6: percent of what you earn, they don't know what to

528
00:25:46,800 --> 00:25:48,520
Speaker 6: tell you. So that's why I know we're probably going

529
00:25:48,600 --> 00:25:51,520
Speaker 6: to go back into repayment come January because he said, look,

530
00:25:51,560 --> 00:25:53,399
Speaker 6: you got you got a dollar towards it, right, So

531
00:25:53,840 --> 00:25:56,359
Speaker 6: five percent repayment is going to be starting in January.

532
00:25:56,640 --> 00:25:59,199
Speaker 6: If you qualify just based off of income. This is

533
00:25:59,280 --> 00:26:03,520
Speaker 6: really really sickedficant because back in August twenty and twenty one,

534
00:26:04,280 --> 00:26:07,359
Speaker 6: there was a law that was changed with the Federal

535
00:26:07,359 --> 00:26:10,399
Speaker 6: Housing Administration that said we now can take a look

536
00:26:10,440 --> 00:26:14,080
Speaker 6: at your student loan payment, your income driven student loan

537
00:26:14,080 --> 00:26:17,880
Speaker 6: repayment to help you qualify for FAHA home loan. Never

538
00:26:17,920 --> 00:26:20,560
Speaker 6: before was that done. It always would be one percent

539
00:26:20,640 --> 00:26:22,760
Speaker 6: if you were looking to get a home through FAH.

540
00:26:23,440 --> 00:26:25,480
Speaker 6: Now this is really big. So like if you're in

541
00:26:25,520 --> 00:26:27,440
Speaker 6: the process of buying a home. Just give it a minute,

542
00:26:27,560 --> 00:26:31,000
Speaker 6: because you want your debt to inco ratio to reflect

543
00:26:31,359 --> 00:26:34,919
Speaker 6: five percent of your income driven repayment plan versus ten percent,

544
00:26:35,119 --> 00:26:37,440
Speaker 6: which means more house. So that's going to be really

545
00:26:37,480 --> 00:26:41,760
Speaker 6: really big for minorities, particularly African American women that most

546
00:26:41,800 --> 00:26:43,879
Speaker 6: played by student loan debt. So like if there was

547
00:26:43,960 --> 00:26:47,320
Speaker 6: ever a time to buy a home and relation to

548
00:26:47,359 --> 00:26:49,840
Speaker 6: your student loan debt, it would be after January. So

549
00:26:49,880 --> 00:26:51,280
Speaker 6: that was really really exciting to see.

550
00:26:51,720 --> 00:26:55,800
Speaker 5: Yeah, so that that barrier, right, that ten to five percent,

551
00:26:55,920 --> 00:26:57,919
Speaker 5: and I'm correct me if I'm wrong by read this.

552
00:26:58,480 --> 00:27:02,160
Speaker 5: So there's a piece of it where the amount of

553
00:27:02,200 --> 00:27:03,680
Speaker 5: the time that you have to pay is going to

554
00:27:03,760 --> 00:27:07,000
Speaker 5: go down from twenty to ten years.

555
00:27:07,080 --> 00:27:07,240
Speaker 2: Right.

556
00:27:07,280 --> 00:27:09,080
Speaker 5: I think it's if you make under if your student

557
00:27:09,119 --> 00:27:10,720
Speaker 5: loans under twelve thousand or something like that.

558
00:27:11,359 --> 00:27:13,680
Speaker 6: Right, So they're going to be changing the whole repayment plan.

559
00:27:13,720 --> 00:27:15,080
Speaker 6: We don't know that repayment plan is going to be

560
00:27:15,160 --> 00:27:17,960
Speaker 6: called yet, but they're basically how like Obama came out

561
00:27:17,960 --> 00:27:20,400
Speaker 6: with the repay and pay I believe the Bide administration

562
00:27:20,520 --> 00:27:22,200
Speaker 6: is going to just redo and create a whole nother

563
00:27:22,240 --> 00:27:24,879
Speaker 6: payment plan or they may make an update to the

564
00:27:24,960 --> 00:27:28,800
Speaker 6: repay pay plan, because remember Obiden and Biden did that together,

565
00:27:29,200 --> 00:27:31,119
Speaker 6: so that's that's something they could update.

566
00:27:32,200 --> 00:27:34,000
Speaker 4: So all right, so let's go to question. But I

567
00:27:34,040 --> 00:27:37,760
Speaker 4: want to start with some questions from YouTube for a change.

568
00:27:39,880 --> 00:27:42,920
Speaker 4: Somebody says, do loans have to be consolidated in order

569
00:27:42,960 --> 00:27:44,600
Speaker 4: to receive forgiveness?

570
00:27:45,160 --> 00:27:48,840
Speaker 6: Yes, if you have f f E L or f

571
00:27:48,840 --> 00:27:53,679
Speaker 6: f E LP or Stafford or Perkins loans, So basically

572
00:27:53,760 --> 00:27:55,840
Speaker 6: the answer to that, and another way is if you

573
00:27:55,920 --> 00:27:59,440
Speaker 6: do not have direct loans, the answer is yes. If

574
00:27:59,440 --> 00:28:01,640
Speaker 6: you have die rec loans and that's all you have,

575
00:28:01,920 --> 00:28:03,280
Speaker 6: then you don't have to consolidate.

576
00:28:03,320 --> 00:28:08,600
Speaker 4: Again, Okay, somebody else says, how do you think this

577
00:28:08,680 --> 00:28:11,520
Speaker 4: new program will affect new college students?

578
00:28:12,040 --> 00:28:14,920
Speaker 6: So very very very good question. So this is gonna

579
00:28:14,920 --> 00:28:17,800
Speaker 6: be very interesting to see. We do know that college

580
00:28:17,800 --> 00:28:21,119
Speaker 6: students can be eligible for the money that's coming from Biden.

581
00:28:21,440 --> 00:28:24,400
Speaker 6: The problem here is, guys, you know, ten and twenty

582
00:28:24,440 --> 00:28:27,000
Speaker 6: k sounds really good in theory, but they're probably going

583
00:28:27,040 --> 00:28:29,399
Speaker 6: to borrow ten and twenty k that year. So for

584
00:28:29,560 --> 00:28:32,280
Speaker 6: new students, it's probably going to wash you know, their

585
00:28:32,400 --> 00:28:35,960
Speaker 6: education calls for a year or semester, but not make

586
00:28:35,960 --> 00:28:39,680
Speaker 6: a huge dent. And you know, statistically it's not going

587
00:28:39,760 --> 00:28:42,040
Speaker 6: to make a big det in the African American community either.

588
00:28:42,320 --> 00:28:44,160
Speaker 6: You know, I hate to be the bar of bad news.

589
00:28:44,560 --> 00:28:46,800
Speaker 6: This student loan debt of twenty thousand is going to

590
00:28:46,880 --> 00:28:50,400
Speaker 6: statistically clear debt for white males. Not a challenge. I'm

591
00:28:50,440 --> 00:28:53,000
Speaker 6: just saying. And I think that so many people were

592
00:28:53,040 --> 00:28:56,360
Speaker 6: a little upset that fifty thousand wasn't given because fifty

593
00:28:56,400 --> 00:28:59,440
Speaker 6: thousand would really move the needle for the African American community.

594
00:28:59,640 --> 00:29:02,600
Speaker 6: While we're grateful for the twenty as a whole, and

595
00:29:02,640 --> 00:29:04,680
Speaker 6: just in terms of moving the needle and really making

596
00:29:04,680 --> 00:29:08,080
Speaker 6: a big impact on the finances of the African American community,

597
00:29:08,680 --> 00:29:10,280
Speaker 6: twenty thousand is not going to do much.

598
00:29:11,040 --> 00:29:14,640
Speaker 5: Yeah, so the statistics are is forty three million, which

599
00:29:14,680 --> 00:29:16,800
Speaker 5: is equal to one point three trillion.

600
00:29:17,120 --> 00:29:19,360
Speaker 2: The only thing that we have more debt in its

601
00:29:19,400 --> 00:29:20,120
Speaker 2: home ownership.

602
00:29:21,320 --> 00:29:26,600
Speaker 5: With the ten thousand forgiveness, that'll cut the amount of

603
00:29:26,600 --> 00:29:29,120
Speaker 5: people who are in debt and student loans to twenty manes.

604
00:29:29,120 --> 00:29:31,360
Speaker 5: Almost half of the people who have student loans will

605
00:29:31,400 --> 00:29:33,960
Speaker 5: be cut. And then you have this the new repayment plan,

606
00:29:34,080 --> 00:29:37,280
Speaker 5: So for the new college student who's coming in. And

607
00:29:37,320 --> 00:29:41,360
Speaker 5: this is another part. The amount of interest that's going

608
00:29:41,440 --> 00:29:42,680
Speaker 5: to be paid on those loans. Is that going to

609
00:29:42,760 --> 00:29:45,200
Speaker 5: change too, because a lot of times people make payments

610
00:29:45,200 --> 00:29:47,320
Speaker 5: and they're making the payments on time, and they're looking

611
00:29:47,360 --> 00:29:49,280
Speaker 5: at their overall amount and they're saying, wait, the principle

612
00:29:49,280 --> 00:29:51,800
Speaker 5: hasn't changed because they've been paying interest. Is there something

613
00:29:51,840 --> 00:29:54,000
Speaker 5: in there that interests might be lowered?

614
00:29:54,480 --> 00:29:58,240
Speaker 6: So the interest gets regulated and updated every July. And

615
00:29:58,480 --> 00:30:01,040
Speaker 6: to my knowledge, the interest hasn't much much since the

616
00:30:01,160 --> 00:30:04,840
Speaker 6: last alive because of the pandemic, So we don't expect

617
00:30:04,840 --> 00:30:07,520
Speaker 6: that the interest is going to be, you know, super high.

618
00:30:07,880 --> 00:30:10,280
Speaker 6: You know, you're in school, your interest varies around between

619
00:30:10,320 --> 00:30:13,320
Speaker 6: three to five percent. Plus loans go about seven to

620
00:30:13,400 --> 00:30:17,800
Speaker 6: eight percent. That the administration has not changed or waivered on.

621
00:30:18,200 --> 00:30:19,960
Speaker 6: And to be really honest, I don't think they will

622
00:30:20,000 --> 00:30:23,920
Speaker 6: because all of these extensions, the government is losing thousands

623
00:30:23,960 --> 00:30:27,000
Speaker 6: and thousands millions at this point of dollars in recouping

624
00:30:27,040 --> 00:30:29,720
Speaker 6: interest money. So I don't think they're going to make

625
00:30:29,760 --> 00:30:30,600
Speaker 6: any changes to that.

626
00:30:31,840 --> 00:30:34,120
Speaker 5: Yeah, I mean, that's one of the things to think about, right.

627
00:30:34,480 --> 00:30:37,719
Speaker 5: If it's been about almost two years now, with no payments,

628
00:30:38,000 --> 00:30:39,520
Speaker 5: and so the government's going to.

629
00:30:39,520 --> 00:30:41,560
Speaker 2: Have to figure out how we're going to get this

630
00:30:41,600 --> 00:30:41,840
Speaker 2: back in.

631
00:30:41,880 --> 00:30:44,040
Speaker 5: One of those things is usually we'll have to raise

632
00:30:44,080 --> 00:30:47,040
Speaker 5: taxes or they'll figure out another way to raise money

633
00:30:47,320 --> 00:30:49,400
Speaker 5: where the total population is going to have to start

634
00:30:49,400 --> 00:30:49,800
Speaker 5: paying for this.

635
00:30:49,920 --> 00:30:51,360
Speaker 2: So something to keep eye on.

636
00:30:51,560 --> 00:30:55,520
Speaker 4: Yeah, all right, let's let's go to U university.

637
00:30:55,720 --> 00:30:55,960
Speaker 2: Question.

638
00:30:56,080 --> 00:30:58,320
Speaker 5: All right, Angela, we coming to you. I'm mute yourself.

639
00:30:58,880 --> 00:31:00,040
Speaker 5: You've been unmuted. What's going on?

640
00:31:00,120 --> 00:31:05,960
Speaker 2: Angela? Hello, Angela? You did that?

641
00:31:07,240 --> 00:31:08,080
Speaker 3: Oh can you hear me?

642
00:31:08,560 --> 00:31:09,320
Speaker 2: Are you perfectly?

643
00:31:10,080 --> 00:31:10,400
Speaker 6: Okay?

644
00:31:10,400 --> 00:31:10,680
Speaker 2: Great?

645
00:31:10,880 --> 00:31:13,920
Speaker 3: Hey, So thank you all for everything you do. Thank you,

646
00:31:13,960 --> 00:31:16,640
Speaker 3: miss Sonia. I have a question. So, yeah, my husband

647
00:31:16,680 --> 00:31:19,480
Speaker 3: and I went to divide, but we already paid off

648
00:31:19,520 --> 00:31:23,080
Speaker 3: our student loans. So is there anything is are we

649
00:31:23,200 --> 00:31:26,080
Speaker 3: just you know, should we still apply or what?

650
00:31:27,200 --> 00:31:27,280
Speaker 8: So?

651
00:31:28,600 --> 00:31:32,640
Speaker 6: Okay, so you know, Angela, here's the unfortunate truth. Biden

652
00:31:32,680 --> 00:31:35,680
Speaker 6: said it not I So somebody had literally asked him

653
00:31:35,680 --> 00:31:38,360
Speaker 6: that question in a press conference, and he got really snappy,

654
00:31:38,480 --> 00:31:41,720
Speaker 6: snappy Angela, and basically he said that if you were

655
00:31:42,000 --> 00:31:43,719
Speaker 6: able to pay off your loans or fortunate to pay

656
00:31:43,760 --> 00:31:45,920
Speaker 6: off your loans, there will not be a refund. The

657
00:31:45,920 --> 00:31:49,080
Speaker 6: only time we're seeing that money is actually being refunded

658
00:31:49,400 --> 00:31:52,400
Speaker 6: is if you paid on your loans through the pandemic,

659
00:31:53,000 --> 00:31:55,360
Speaker 6: there's a refund possible there, or if you went to

660
00:31:55,400 --> 00:31:59,080
Speaker 6: a school such as that qualifies for borrowers defense. But

661
00:31:59,160 --> 00:32:01,440
Speaker 6: for this particular program, the ten of the twenty K,

662
00:32:01,760 --> 00:32:04,720
Speaker 6: they have not said well, and he basically said he

663
00:32:04,880 --> 00:32:07,400
Speaker 6: was not going to be giving any money back. So unfortunately,

664
00:32:07,600 --> 00:32:09,520
Speaker 6: if you're just eligible for this, and the answer would

665
00:32:09,520 --> 00:32:13,880
Speaker 6: be no, okay, thank you, thank you, Yes.

666
00:32:14,200 --> 00:32:19,160
Speaker 4: Okay, let's go to YouTube again. How does loan forgiveness

667
00:32:19,200 --> 00:32:23,400
Speaker 4: work for teachers who have worked in low income districts?

668
00:32:24,600 --> 00:32:27,240
Speaker 6: So right now, this is really cool. Then this is

669
00:32:27,280 --> 00:32:31,960
Speaker 6: only until October thirty. First, teachers compare teacher loan forgiveness,

670
00:32:32,080 --> 00:32:34,760
Speaker 6: So teacher long forgiveness allows you to receive a grant

671
00:32:34,800 --> 00:32:37,880
Speaker 6: for teaching and ps left, so you know the thing

672
00:32:37,960 --> 00:32:40,520
Speaker 6: destroyed you never before compare those together.

673
00:32:41,080 --> 00:32:42,080
Speaker 2: I'm loving it.

674
00:32:42,080 --> 00:32:44,320
Speaker 6: It was like, yeah, it was like one of the

675
00:32:44,400 --> 00:32:47,920
Speaker 6: other Okay, so it was like one of the others.

676
00:32:47,960 --> 00:32:50,480
Speaker 6: So now I'm sorry thiss mystery. I'm like, what's talking.

677
00:32:52,280 --> 00:32:55,920
Speaker 4: On the second guys, it's the ghost.

678
00:32:56,640 --> 00:32:59,360
Speaker 6: No, it's I guess ALEXA, so long street short, so

679
00:33:01,080 --> 00:33:03,760
Speaker 6: I must have said a name similar. So basically you

680
00:33:03,840 --> 00:33:06,440
Speaker 6: right now have the time to be able to apply

681
00:33:06,600 --> 00:33:10,200
Speaker 6: for both until October thirty. First you can get whatever

682
00:33:10,240 --> 00:33:12,640
Speaker 6: grant money is eligible, so if you've been working at

683
00:33:12,640 --> 00:33:15,240
Speaker 6: that school for over five years, get that money, and

684
00:33:15,320 --> 00:33:17,840
Speaker 6: then you can also use that same time period to

685
00:33:17,880 --> 00:33:21,280
Speaker 6: calculate for PSLF. So teachers right now are super winning.

686
00:33:21,760 --> 00:33:23,040
Speaker 6: I would definitely pier both.

687
00:33:23,480 --> 00:33:24,719
Speaker 2: Yeah, here's another thing.

688
00:33:24,760 --> 00:33:26,600
Speaker 5: So if you teach and I'm sure this is probably

689
00:33:26,600 --> 00:33:29,200
Speaker 5: still true something correct me, but if you teach in

690
00:33:29,880 --> 00:33:33,600
Speaker 5: math or science, right, there's a certain amount that you allocated.

691
00:33:33,680 --> 00:33:36,320
Speaker 5: When I did it, it was seventeen thousand, five hundred dollars,

692
00:33:37,000 --> 00:33:39,680
Speaker 5: and if you taught in like ELA or social studies,

693
00:33:39,720 --> 00:33:42,280
Speaker 5: it was like maybe seventy five hundred, and everything else

694
00:33:42,320 --> 00:33:44,000
Speaker 5: was probably like five thousand or something like that, or

695
00:33:44,000 --> 00:33:45,240
Speaker 5: maybe it was seventeen five.

696
00:33:45,400 --> 00:33:47,280
Speaker 2: Yeah, seventy five for a core four and.

697
00:33:47,200 --> 00:33:49,160
Speaker 5: Then five thousand for everything else. And so at the

698
00:33:49,160 --> 00:33:51,880
Speaker 5: time I was teaching physed and I was like, wait, wait, wait, wait,

699
00:33:52,480 --> 00:33:53,840
Speaker 5: way do we fall in in this? And I was

700
00:33:53,840 --> 00:33:55,520
Speaker 5: like they were like, oh, it's a five thousand I'm like, nah,

701
00:33:55,520 --> 00:33:57,680
Speaker 5: but I teach health, which is a science, and so

702
00:33:58,120 --> 00:33:59,760
Speaker 5: it was a good thing. I had a great relationship

703
00:33:59,760 --> 00:34:03,080
Speaker 5: with this since the princient the principal because they looked

704
00:34:03,080 --> 00:34:04,920
Speaker 5: at it. They looked at health. It was a science

705
00:34:04,920 --> 00:34:07,640
Speaker 5: and physics is a science too, technically, and so I

706
00:34:07,680 --> 00:34:09,799
Speaker 5: actually applied for it. I got the seventeen to five.

707
00:34:09,840 --> 00:34:11,600
Speaker 5: So that's that's one way you could do it. But

708
00:34:11,880 --> 00:34:13,680
Speaker 5: like you said, now that we're able to combine it,

709
00:34:13,719 --> 00:34:15,839
Speaker 5: you get that ten years of payment. You work in

710
00:34:15,880 --> 00:34:19,040
Speaker 5: a low come income area, and that's what five years?

711
00:34:19,120 --> 00:34:19,319
Speaker 2: Right?

712
00:34:19,840 --> 00:34:22,120
Speaker 6: Yeah, so just five years. So if you're gonna get

713
00:34:22,120 --> 00:34:25,240
Speaker 6: either the five or the seventeen plus, you got twenty

714
00:34:25,239 --> 00:34:27,840
Speaker 6: coming plus, you got the work history. And if you

715
00:34:27,960 --> 00:34:30,480
Speaker 6: was in for beards because Towns was hard, another three.

716
00:34:30,560 --> 00:34:32,040
Speaker 6: I'm telling you, this is a really good day to

717
00:34:32,080 --> 00:34:33,040
Speaker 6: be a teacher when you did this.

718
00:34:33,200 --> 00:34:38,960
Speaker 2: Name no pays, it pays. Okay, all right, we got

719
00:34:39,239 --> 00:34:41,520
Speaker 2: Jonathan hard and we coming to you. Mute yourself. You've

720
00:34:41,520 --> 00:34:43,120
Speaker 2: been unmuted. What's going on? Jonathan?

721
00:34:44,880 --> 00:34:49,200
Speaker 9: Hey, Troy, Visha Sonya, thank you so much for this meeting.

722
00:34:49,239 --> 00:34:50,000
Speaker 4: This is incredible.

723
00:34:50,040 --> 00:34:51,760
Speaker 2: Can you hear me? Thank you perfectly?

724
00:34:52,760 --> 00:34:53,719
Speaker 4: Righteous, righteous.

725
00:34:54,040 --> 00:34:56,839
Speaker 9: So I'm not logged in the standing aid dot gov

726
00:34:56,920 --> 00:35:02,400
Speaker 9: right now, and it's telling me that I need to consolidate.

727
00:35:01,800 --> 00:35:05,200
Speaker 4: My well, YadA YadA.

728
00:35:05,520 --> 00:35:07,600
Speaker 9: So I looked at the forum and it gives you

729
00:35:07,600 --> 00:35:11,080
Speaker 9: a variety of payment options and some are like mad cheap,

730
00:35:11,200 --> 00:35:13,880
Speaker 9: but you'd be doubling the price that you would have paid,

731
00:35:14,320 --> 00:35:16,200
Speaker 9: you know, at the end. And then if I go

732
00:35:16,239 --> 00:35:18,719
Speaker 9: with what I'm doing now, it'd be slightly higher. So

733
00:35:18,760 --> 00:35:22,680
Speaker 9: my question is what's the percentage of people who actually,

734
00:35:22,840 --> 00:35:25,240
Speaker 9: if they meet the requirements and apply, they would actually

735
00:35:25,239 --> 00:35:29,680
Speaker 9: get you know, their their pe, you know, their loan forgiven.

736
00:35:30,239 --> 00:35:32,920
Speaker 9: Because when I did my research under Trump, it was

737
00:35:32,960 --> 00:35:33,600
Speaker 9: like two percent.

738
00:35:34,600 --> 00:35:36,319
Speaker 6: Well, this is a new day, and if I was

739
00:35:36,360 --> 00:35:38,640
Speaker 6: on IG Live, I would make you all type new day.

740
00:35:38,920 --> 00:35:41,320
Speaker 6: And let me just be really honest with you, Jonathan.

741
00:35:41,600 --> 00:35:44,160
Speaker 6: The challenge is so many people were burnt or dishearted

742
00:35:44,160 --> 00:35:47,960
Speaker 6: by the PSLF program before, and everyone's like, oh, this

743
00:35:48,040 --> 00:35:50,160
Speaker 6: is not happening, this is not real. You just come

744
00:35:50,200 --> 00:35:52,960
Speaker 6: on over my page, you want to see all these testimonials.

745
00:35:53,120 --> 00:35:55,600
Speaker 6: A young lady literally had the same situation that you're saying,

746
00:35:55,920 --> 00:35:57,600
Speaker 6: and she just sent me a message showing that she

747
00:35:57,640 --> 00:35:59,920
Speaker 6: got three hundred and fifty seven two hundred dollars for

748
00:36:00,040 --> 00:36:04,160
Speaker 6: given because she decided to just complete the application. So

749
00:36:04,200 --> 00:36:06,160
Speaker 6: what I want to say for you is how much

750
00:36:06,160 --> 00:36:08,040
Speaker 6: work history do you have to catch up on to

751
00:36:08,080 --> 00:36:08,680
Speaker 6: get credit for?

752
00:36:09,920 --> 00:36:13,040
Speaker 9: Well, you know, I got two places that I've worked

753
00:36:13,120 --> 00:36:15,200
Speaker 9: now to be a total of eleven years, and both

754
00:36:15,239 --> 00:36:17,520
Speaker 9: of them are on you know, on the list. So

755
00:36:17,760 --> 00:36:20,160
Speaker 9: the place I'm working now, I'll give me the form

756
00:36:20,560 --> 00:36:21,960
Speaker 9: and then I gotta go. I used to work in

757
00:36:22,040 --> 00:36:24,879
Speaker 9: NPR and that's on the place that's on the list,

758
00:36:24,920 --> 00:36:26,359
Speaker 9: so I got to get the form from them.

759
00:36:26,719 --> 00:36:27,920
Speaker 4: So just two places.

760
00:36:28,400 --> 00:36:31,040
Speaker 6: Well, Jonathan, I'm going to be very frank with you,

761
00:36:31,080 --> 00:36:33,680
Speaker 6: it's not going to really matter what payment plan you choose.

762
00:36:34,040 --> 00:36:38,719
Speaker 6: Early congratulations on one hundred percent long forgiveness. You just now.

763
00:36:39,440 --> 00:36:42,279
Speaker 6: I don't divee you up. This is I get. I

764
00:36:42,360 --> 00:36:45,200
Speaker 6: literally reshot in Troy, and I cannot have a bad

765
00:36:45,280 --> 00:36:48,000
Speaker 6: day if I wanted to. Just imagine just waking up

766
00:36:48,040 --> 00:36:50,920
Speaker 6: to all these receipts and screenshots. It's people just like

767
00:36:50,960 --> 00:36:54,279
Speaker 6: yourself that have been working for years in these industries,

768
00:36:54,400 --> 00:36:57,920
Speaker 6: no payments required. You just had to work there. You're able.

769
00:36:58,000 --> 00:36:59,719
Speaker 6: They're not asked about you know what you made? What

770
00:36:59,840 --> 00:37:02,520
Speaker 6: you They just wanted you to do the form. So

771
00:37:02,600 --> 00:37:05,719
Speaker 6: do the form, mail it off, certified, and then in

772
00:37:05,760 --> 00:37:09,400
Speaker 6: thirty forty five days you should be having a celebration

773
00:37:09,520 --> 00:37:11,560
Speaker 6: of your own righteousness.

774
00:37:11,560 --> 00:37:13,520
Speaker 9: Thank you so much, y'all doing the Lord's work for

775
00:37:13,560 --> 00:37:14,600
Speaker 9: real appreciation.

776
00:37:15,120 --> 00:37:15,600
Speaker 6: Agree.

777
00:37:16,200 --> 00:37:18,640
Speaker 5: Yes, we got a question on YouTube. They said the

778
00:37:19,239 --> 00:37:22,560
Speaker 5: teacher long forgiveness backtrack. I believe it does up until

779
00:37:22,640 --> 00:37:25,440
Speaker 5: two thousand and seven, right, yes, So from two thousand

780
00:37:25,480 --> 00:37:27,840
Speaker 5: and seven on those years.

781
00:37:28,160 --> 00:37:29,880
Speaker 6: Yes. And the thing is two thousand and seven was

782
00:37:29,920 --> 00:37:31,880
Speaker 6: just so significant because there were so many changes that

783
00:37:32,000 --> 00:37:35,279
Speaker 6: was happening with the direct loans program the government. It's

784
00:37:35,280 --> 00:37:38,040
Speaker 6: a very weird number. But two thousand and seven is correct.

785
00:37:38,080 --> 00:37:40,600
Speaker 2: Yep, okay, perfect, perfect.

786
00:37:41,040 --> 00:37:42,920
Speaker 5: Let me see if I can get this right. Jericha,

787
00:37:43,000 --> 00:37:45,560
Speaker 5: we're coming to you. Unmute yourself. You've been unmuted? Did

788
00:37:45,560 --> 00:37:46,080
Speaker 5: I get that right?

789
00:37:46,120 --> 00:37:47,920
Speaker 2: I hope so?

790
00:37:48,160 --> 00:37:50,880
Speaker 6: Yep, that's my name, Jerka. Thank y'all so much for

791
00:37:50,920 --> 00:37:55,400
Speaker 6: this information. My question is is okay, it's gonna give

792
00:37:55,400 --> 00:37:57,360
Speaker 6: you back around really quick. So I've worked for the

793
00:37:57,400 --> 00:38:00,920
Speaker 6: State of Texas for eleven years. I live for the

794
00:38:00,920 --> 00:38:05,360
Speaker 6: PSLF program. I've also been on an income driven plan. However,

795
00:38:05,560 --> 00:38:08,320
Speaker 6: I'm still showing that I think I have like additional

796
00:38:08,400 --> 00:38:11,440
Speaker 6: five years of payments to So I'm not sure what

797
00:38:11,600 --> 00:38:15,680
Speaker 6: I'm overlooking or if I yeah, like if I'm missing

798
00:38:15,719 --> 00:38:18,200
Speaker 6: some steps here. So give me some bad history. How

799
00:38:18,239 --> 00:38:21,760
Speaker 6: long have you been working for a qualified employer? Since

800
00:38:21,760 --> 00:38:26,279
Speaker 6: twenty and eleven? Twenty eleven and we're in twenty twenty two.

801
00:38:26,840 --> 00:38:29,680
Speaker 6: If you've worked at this qualified employer excuse me for

802
00:38:29,719 --> 00:38:33,440
Speaker 6: at least thirty hours a week? Yes, okay, and this

803
00:38:33,480 --> 00:38:36,839
Speaker 6: is one employer or multiple employers, one employer just held

804
00:38:36,880 --> 00:38:40,640
Speaker 6: different positions. Okay, And let me just ask you this question.

805
00:38:41,040 --> 00:38:43,560
Speaker 6: So when's the last time you filled out that form

806
00:38:43,600 --> 00:38:47,080
Speaker 6: and had the employers sign it again? It was probably

807
00:38:47,640 --> 00:38:52,600
Speaker 6: two over two years ago. Okay, Jericha, send it again. Sorry,

808
00:38:52,680 --> 00:38:56,640
Speaker 6: fright tomorrow, because remember you gotta remember this is why

809
00:38:56,640 --> 00:38:58,960
Speaker 6: they're coming out with this program. They made a mistake.

810
00:38:59,200 --> 00:39:02,840
Speaker 6: They're saying we miscalculated, we never counted your payments correctly.

811
00:39:03,160 --> 00:39:06,520
Speaker 6: So we send it again with the same information, same

812
00:39:06,560 --> 00:39:09,719
Speaker 6: employer's signature. If HR has a question, just say I

813
00:39:09,840 --> 00:39:13,160
Speaker 6: was instructed to recomplete this.

814
00:39:13,160 --> 00:39:15,399
Speaker 5: This episode is brought to you by P and C Bank.

815
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828
00:39:57,120 --> 00:39:59,560
Speaker 5: You ever walk into a small business and everything just

829
00:39:59,719 --> 00:40:02,920
Speaker 5: work like? The checkout is fast, the receipts are digital,

830
00:40:03,440 --> 00:40:06,440
Speaker 5: tipping is a breeze, and you're out the door before

831
00:40:06,440 --> 00:40:10,600
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832
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833
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834
00:40:16,600 --> 00:40:18,879
Speaker 5: at a pop up market, or even one of our

835
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836
00:40:22,800 --> 00:40:26,520
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837
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Speaker 5: one simple system. If you're a business owner or even

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839
00:40:33,680 --> 00:40:36,720
Speaker 5: one of the best tools out there to help you start, run,

840
00:40:36,920 --> 00:40:40,280
Speaker 5: and grow. It's not just about payments, it's about giving

841
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Speaker 5: you time back so you can focus on.

842
00:40:42,320 --> 00:40:43,799
Speaker 2: What matters most ready.

843
00:40:43,800 --> 00:40:47,200
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844
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845
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846
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847
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Speaker 5: pushing your vision forward.

848
00:41:03,840 --> 00:41:07,719
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849
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851
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861
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865
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Speaker 6: You need form so they can recalculate my eligibility. Perfect, Okay,

866
00:42:06,040 --> 00:42:09,400
Speaker 6: I will yes so much. You're welcome. Heck you guys,

867
00:42:09,800 --> 00:42:10,320
Speaker 6: appreciate you.

868
00:42:10,400 --> 00:42:10,640
Speaker 2: Jarth.

869
00:42:11,440 --> 00:42:16,400
Speaker 4: A question from YouTube is is there any repayment programs

870
00:42:16,400 --> 00:42:17,680
Speaker 4: for healthcare workers?

871
00:42:18,480 --> 00:42:21,000
Speaker 6: So there are. So there's Nursing Long Forgiveness, which is

872
00:42:21,040 --> 00:42:23,359
Speaker 6: not a federal program, but it's more so run through

873
00:42:23,400 --> 00:42:27,200
Speaker 6: the state. I think it's NHS dot government. I'm not mistaken.

874
00:42:27,640 --> 00:42:30,680
Speaker 6: I'm not sure off hand, but just type in state

875
00:42:30,800 --> 00:42:33,719
Speaker 6: Nursing Long Forgiveness. But again, you know that's the challenge

876
00:42:33,760 --> 00:42:36,800
Speaker 6: with healthcare is that healthcare so broad. So with healthcare,

877
00:42:36,800 --> 00:42:38,560
Speaker 6: which you have to make sure is that you're working

878
00:42:38,960 --> 00:42:42,799
Speaker 6: in a not for profit or a nonprofit field for

879
00:42:42,920 --> 00:42:46,080
Speaker 6: it to qualify. So unfortunately, if that's not the case,

880
00:42:46,120 --> 00:42:50,000
Speaker 6: then it wouldn't qualify for PSLF or most long forgiveness programs.

881
00:42:50,280 --> 00:42:52,799
Speaker 6: The ten twenty k of course could come being at

882
00:42:52,840 --> 00:42:55,719
Speaker 6: their income it's under one twenty five, but just is

883
00:42:55,719 --> 00:42:58,360
Speaker 6: going to depend on their place of employment. So I

884
00:42:58,440 --> 00:43:00,680
Speaker 6: always it's always very you know. The other thing that's

885
00:43:00,680 --> 00:43:04,000
Speaker 6: on the table that hasn't been decided on is frontline workers.

886
00:43:04,320 --> 00:43:06,680
Speaker 6: The bill is still out there to give loan forgiveness

887
00:43:06,680 --> 00:43:09,720
Speaker 6: for them. And then the Biden administration said that before

888
00:43:09,760 --> 00:43:12,400
Speaker 6: their ten years over now, this could just be a

889
00:43:12,440 --> 00:43:14,719
Speaker 6: little dangle to get us to revote, but I'm here

890
00:43:14,800 --> 00:43:16,560
Speaker 6: for it. They said that they were going to be

891
00:43:16,640 --> 00:43:18,560
Speaker 6: looking to see what they can do for private loan

892
00:43:18,600 --> 00:43:21,200
Speaker 6: debt too. I was like, oh, that was y'all, y'all clever.

893
00:43:21,719 --> 00:43:24,440
Speaker 6: We don't know, but that would be really awesome for

894
00:43:24,480 --> 00:43:26,319
Speaker 6: those in the healthcare feel as we know that they

895
00:43:26,440 --> 00:43:28,560
Speaker 6: take out a majority of private loan debt.

896
00:43:29,880 --> 00:43:30,120
Speaker 2: Yeah.

897
00:43:30,200 --> 00:43:32,239
Speaker 5: That Denise has a great question shout out to the

898
00:43:32,280 --> 00:43:34,680
Speaker 5: two and this is probably one of those sipulations that

899
00:43:34,760 --> 00:43:37,360
Speaker 5: might have changed. She said, do you have to currently

900
00:43:37,360 --> 00:43:39,960
Speaker 5: be employed in public service? So she left the profession

901
00:43:40,000 --> 00:43:42,920
Speaker 5: but has over eighteen years, Do you still have to

902
00:43:43,000 --> 00:43:45,160
Speaker 5: currently be employed where you are now?

903
00:43:45,760 --> 00:43:48,920
Speaker 6: Nope? Again, if you ever worked since two thousand and

904
00:43:49,040 --> 00:43:52,360
Speaker 6: seven to twenty and twenty two. For a qualified employer,

905
00:43:52,600 --> 00:43:55,279
Speaker 6: you're going to do the PSLF Limited Wave Reform. You're

906
00:43:55,280 --> 00:43:57,959
Speaker 6: going to have the employer signed that form. I would

907
00:43:57,960 --> 00:43:59,160
Speaker 6: love for them to get it back to you, but

908
00:43:59,160 --> 00:44:01,279
Speaker 6: if they mail it off, that's fine, but we want

909
00:44:01,280 --> 00:44:02,719
Speaker 6: to be able to mail it off CERTIFI. So we've

910
00:44:02,719 --> 00:44:04,439
Speaker 6: got to be able to track this or at least

911
00:44:04,440 --> 00:44:07,439
Speaker 6: ask for a copybag or confirmation and then just wait

912
00:44:07,440 --> 00:44:09,719
Speaker 6: thirty to forty five days and she should be in

913
00:44:09,719 --> 00:44:13,160
Speaker 6: the same party as Jerika and Jonathan. So I'm really

914
00:44:13,200 --> 00:44:13,880
Speaker 6: really excited.

915
00:44:14,160 --> 00:44:16,600
Speaker 5: Yeah, I was just gonna ask you that because the

916
00:44:17,160 --> 00:44:19,680
Speaker 5: October thirty first date is very key because if you

917
00:44:19,719 --> 00:44:21,440
Speaker 5: get it in and you have thirty to forty five

918
00:44:21,520 --> 00:44:23,440
Speaker 5: days for them to respond, you want to get it

919
00:44:23,480 --> 00:44:27,239
Speaker 5: in before the thirty first, right, exactly right, because you

920
00:44:27,320 --> 00:44:30,360
Speaker 5: got to figure all those loans are now going to

921
00:44:30,400 --> 00:44:32,640
Speaker 5: be active again, all these repayment loans, and there's going

922
00:44:32,719 --> 00:44:34,160
Speaker 5: to be a lot of applications for the people trying

923
00:44:34,200 --> 00:44:36,640
Speaker 5: to get the ten thousand dollars forgiveness or the twenty thousand,

924
00:44:36,640 --> 00:44:39,439
Speaker 5: So that's a lot of paperwork and thirty or forty

925
00:44:39,440 --> 00:44:40,720
Speaker 5: five days will turn into.

926
00:44:40,560 --> 00:44:41,000
Speaker 2: Three to cents?

927
00:44:41,080 --> 00:44:43,520
Speaker 6: Like, did they increase the workforce over there? I'm like,

928
00:44:43,560 --> 00:44:45,560
Speaker 6: I don't want to see it more. I'm dead.

929
00:44:46,040 --> 00:44:48,880
Speaker 2: If we're looking for an employment opportunity, I'm sure.

930
00:44:48,719 --> 00:44:53,040
Speaker 6: That this time they're about be hiring for real.

931
00:44:53,520 --> 00:44:56,000
Speaker 2: All right, we got Kelly, We're coming to you. Mute yourself.

932
00:44:56,000 --> 00:44:57,000
Speaker 2: You've been muted? What's going on?

933
00:44:59,640 --> 00:44:59,839
Speaker 7: Hello?

934
00:45:01,120 --> 00:45:01,919
Speaker 2: Are you? Oh?

935
00:45:01,960 --> 00:45:02,280
Speaker 10: Perfect?

936
00:45:02,360 --> 00:45:02,680
Speaker 6: Perfect?

937
00:45:02,760 --> 00:45:03,080
Speaker 10: Thank you?

938
00:45:03,880 --> 00:45:04,720
Speaker 6: I have a question.

939
00:45:04,960 --> 00:45:09,000
Speaker 10: I'm currently in the Navy for the military, and I

940
00:45:09,040 --> 00:45:11,640
Speaker 10: want to know if there were any special circumstances for

941
00:45:11,719 --> 00:45:14,600
Speaker 10: people who have been deployed and were able to make

942
00:45:14,640 --> 00:45:17,680
Speaker 10: their payments on time. And also I wanted to know

943
00:45:18,600 --> 00:45:20,640
Speaker 10: there was a time when they had run out of

944
00:45:20,680 --> 00:45:24,920
Speaker 10: tuition assistance that pays for our education and we had

945
00:45:24,960 --> 00:45:28,160
Speaker 10: to take our student loans. Would there be any special

946
00:45:28,239 --> 00:45:31,400
Speaker 10: circumstances for that? And I've been in for five years?

947
00:45:31,719 --> 00:45:34,840
Speaker 6: Okay? What was the job again? I'm the Navy in

948
00:45:34,880 --> 00:45:37,120
Speaker 6: the Navy, okay, and you had to take out student

949
00:45:37,160 --> 00:45:40,080
Speaker 6: loans because it ran out? And what was the time

950
00:45:40,080 --> 00:45:42,560
Speaker 6: period you were the Navy working from.

951
00:45:42,719 --> 00:45:45,880
Speaker 10: I'm currently in so from seventeen to present, twenty seventeen

952
00:45:45,920 --> 00:45:46,640
Speaker 10: to present.

953
00:45:46,960 --> 00:45:48,880
Speaker 6: Okay, so you want to know if you can qualify

954
00:45:48,960 --> 00:45:50,560
Speaker 6: for that five years in bank history?

955
00:45:51,440 --> 00:45:51,720
Speaker 4: Yes?

956
00:45:52,600 --> 00:45:54,440
Speaker 6: Yes, And when did you take out your student loans?

957
00:45:54,600 --> 00:45:57,320
Speaker 6: What years did you take out your student loans?

958
00:45:57,680 --> 00:46:02,160
Speaker 10: From twenty nineteen up until now? They're always they run

959
00:46:02,200 --> 00:46:03,160
Speaker 10: out of money all the time.

960
00:46:03,320 --> 00:46:04,760
Speaker 6: So that's okay.

961
00:46:04,920 --> 00:46:10,840
Speaker 10: You're asking, well, like special circumstances that we could get

962
00:46:10,880 --> 00:46:15,759
Speaker 10: for that. Well, so you took out loans in twenty nineteen, right,

963
00:46:16,200 --> 00:46:19,120
Speaker 10: nineteen twenty Yes, okay, So you can apply for the

964
00:46:19,160 --> 00:46:23,440
Speaker 10: same program, the PSLF Limited Waiver to qualify you towards

965
00:46:23,440 --> 00:46:25,160
Speaker 10: the ten years. Then they're not going to just do

966
00:46:25,200 --> 00:46:27,279
Speaker 10: a reimbursement for those two You still have to hit

967
00:46:27,320 --> 00:46:29,560
Speaker 10: the ten year mark to get the loan debt forgiven

968
00:46:29,600 --> 00:46:32,080
Speaker 10: all together. I don't know how much you've borrowed, Kelly,

969
00:46:32,120 --> 00:46:34,880
Speaker 10: But with the twenty k make a difference in the

970
00:46:34,920 --> 00:46:35,640
Speaker 10: loan deck.

971
00:46:35,920 --> 00:46:38,799
Speaker 6: Yeah, because I have like twenty thousand out, okay, so

972
00:46:38,960 --> 00:46:40,799
Speaker 6: we know that the twenty k can knock down at

973
00:46:40,880 --> 00:46:45,560
Speaker 6: least half and then just depending So either way, I've

974
00:46:45,560 --> 00:46:48,200
Speaker 6: been having this conversation with people, Well, if I do

975
00:46:48,280 --> 00:46:49,719
Speaker 6: the form, I'm only going to get two or three

976
00:46:49,760 --> 00:46:52,239
Speaker 6: years of eligibility. But the point is, Kelly, we still

977
00:46:52,239 --> 00:46:54,600
Speaker 6: want you to just send off that form and just

978
00:46:54,640 --> 00:46:57,400
Speaker 6: go get that bad history either way if you can.

979
00:46:57,760 --> 00:47:00,640
Speaker 6: Because the BIDE administration also said you're looking to see

980
00:47:00,640 --> 00:47:03,319
Speaker 6: if they can shorten repayment from ten years to five.

981
00:47:03,760 --> 00:47:05,839
Speaker 6: They've been talking about a lot of different things they

982
00:47:05,840 --> 00:47:08,640
Speaker 6: want to do with the PSLF program. So what I'm

983
00:47:08,640 --> 00:47:11,240
Speaker 6: basically saying to you is if you had two years

984
00:47:11,280 --> 00:47:12,759
Speaker 6: and then they changed it to five, it could be

985
00:47:12,800 --> 00:47:15,880
Speaker 6: shorter for you overall. So no, they won't be immediate

986
00:47:15,920 --> 00:47:18,399
Speaker 6: belief in terms of the whole debt being going. Half

987
00:47:18,560 --> 00:47:21,319
Speaker 6: is coming if you had the pel grant. If not,

988
00:47:21,440 --> 00:47:23,400
Speaker 6: ten is coming, but at least you can get the

989
00:47:23,440 --> 00:47:24,560
Speaker 6: credit for that time works.

990
00:47:25,520 --> 00:47:29,320
Speaker 2: Okay, Yeah, thank you Kelly, and thank you for your service.

991
00:47:29,520 --> 00:47:32,120
Speaker 4: Thank you, yes, thank you. So yeah, let's go to

992
00:47:32,680 --> 00:47:36,319
Speaker 4: a few more YouTube questions before we wrap. So, yeah,

993
00:47:36,360 --> 00:47:38,360
Speaker 4: a lot of people with us watching this. This is

994
00:47:38,400 --> 00:47:40,840
Speaker 4: actually great, by the way, Sony, thank you for the information.

995
00:47:40,960 --> 00:47:43,080
Speaker 4: But people always say, like, what's the difference between EYO

996
00:47:43,200 --> 00:47:45,880
Speaker 4: University and oral Lesia question and answers is one of

997
00:47:45,960 --> 00:47:48,880
Speaker 4: probably the biggest thing because that's a hands on learning education.

998
00:47:49,000 --> 00:47:51,560
Speaker 4: So nine to five millionaire. His episode came out yes Sday,

999
00:47:51,640 --> 00:47:53,879
Speaker 4: that was one of those ones went crazy. It's going

1000
00:47:53,920 --> 00:47:56,799
Speaker 4: crazy on YouTube right now, but so many people hitting

1001
00:47:56,840 --> 00:47:58,719
Speaker 4: them in the DM asking him questions. It's like, it's

1002
00:47:58,800 --> 00:48:00,520
Speaker 4: kind of hard. This is what how we've kind of

1003
00:48:00,520 --> 00:48:03,440
Speaker 4: built the platform the way it is is that it's

1004
00:48:03,520 --> 00:48:06,000
Speaker 4: kind of built like a real classroom. So in Zoom

1005
00:48:06,160 --> 00:48:08,560
Speaker 4: you have like people that actually teach and then you

1006
00:48:08,560 --> 00:48:11,680
Speaker 4: can actually ask questions. That to me is probably the

1007
00:48:11,840 --> 00:48:16,440
Speaker 4: biggest one of the biggest advantages of the actual platform

1008
00:48:16,480 --> 00:48:20,920
Speaker 4: because it's like you can't do that on well market mondays.

1009
00:48:20,960 --> 00:48:22,680
Speaker 4: You can have your Eyo University, but you can't do

1010
00:48:22,719 --> 00:48:24,840
Speaker 4: that on the podcast. You can't do that on you know,

1011
00:48:24,840 --> 00:48:26,720
Speaker 4: if you're just watching YouTube or if you're just listening

1012
00:48:26,760 --> 00:48:29,120
Speaker 4: on Instagram. So you can still get information and it's

1013
00:48:29,120 --> 00:48:32,640
Speaker 4: a great way to educate yourself. But private school education

1014
00:48:32,760 --> 00:48:36,240
Speaker 4: is a little different from public school education. And Eyo

1015
00:48:36,360 --> 00:48:40,760
Speaker 4: University top private school in the world. So fifty percent

1016
00:48:40,800 --> 00:48:46,720
Speaker 4: off for forty eight hours cold student inter cold student

1017
00:48:47,160 --> 00:48:50,200
Speaker 4: fifty percent is four hundred and ninety nine dollars. Why

1018
00:48:50,239 --> 00:48:52,080
Speaker 4: would you not do that? That's the biggest question.

1019
00:48:53,400 --> 00:48:55,960
Speaker 2: Too easy I got a few more from here.

1020
00:48:56,080 --> 00:48:59,359
Speaker 4: Well, I got one. Somebody said, is loan forgiveness only

1021
00:48:59,400 --> 00:49:03,759
Speaker 4: for qualify only for qualified jobs? Qualifying qualifying jobs? Not

1022
00:49:03,800 --> 00:49:05,920
Speaker 4: ea sure what that means, but I guess they're assuming

1023
00:49:05,960 --> 00:49:08,960
Speaker 4: like just for teachers, Yes, but no, right, it's for anybody.

1024
00:49:09,000 --> 00:49:11,520
Speaker 6: Right. No, we went through three today. So just to recap,

1025
00:49:11,520 --> 00:49:14,640
Speaker 6: the Biden administration's giving it out regardless of where you've worked.

1026
00:49:14,760 --> 00:49:17,560
Speaker 6: It just has an income stipulation to it and an application.

1027
00:49:17,920 --> 00:49:20,959
Speaker 6: That's number one. The second one is the PSL left

1028
00:49:21,200 --> 00:49:24,520
Speaker 6: is by where you work, so that's a qualified employer stipulation.

1029
00:49:24,960 --> 00:49:27,600
Speaker 6: The third is the borrower's defense based off where you

1030
00:49:27,640 --> 00:49:29,920
Speaker 6: went to school, and that's regardless of where you work

1031
00:49:30,000 --> 00:49:32,200
Speaker 6: and what you've earned. So there's three ways to get

1032
00:49:32,239 --> 00:49:35,200
Speaker 6: some type of forgiveness, and pretty much just with income

1033
00:49:35,239 --> 00:49:37,400
Speaker 6: and mind most people are going to be eligible for

1034
00:49:37,440 --> 00:49:39,399
Speaker 6: one of three, if not two of three or three

1035
00:49:39,480 --> 00:49:39,799
Speaker 6: of three.

1036
00:49:40,840 --> 00:49:41,040
Speaker 2: Yeah.

1037
00:49:41,239 --> 00:49:45,799
Speaker 5: One of those qualifying measures for that, the loan forgiveness

1038
00:49:45,800 --> 00:49:48,840
Speaker 5: for public service was the one hundred and twenty payments.

1039
00:49:48,880 --> 00:49:51,040
Speaker 5: Is that still part of the criteria because I know

1040
00:49:51,400 --> 00:49:52,960
Speaker 5: that's still so you have to make is it one

1041
00:49:53,040 --> 00:49:55,479
Speaker 5: hundred and twenty consecutive or just one hundred and twenty

1042
00:49:55,480 --> 00:49:57,360
Speaker 5: payments because a lot of people get thrown.

1043
00:49:57,160 --> 00:50:00,200
Speaker 6: Off with that one hundred and twenty qualified payments. Me

1044
00:50:00,239 --> 00:50:04,080
Speaker 6: repeat myself, because this is where people just don't apply. So,

1045
00:50:04,640 --> 00:50:07,160
Speaker 6: if you ever worked from two thousand and seven to

1046
00:50:07,200 --> 00:50:10,640
Speaker 6: twenty and twenty two, regardless if when you work there,

1047
00:50:11,040 --> 00:50:13,080
Speaker 6: even if you don't still work there, even if you

1048
00:50:13,200 --> 00:50:17,400
Speaker 6: never made a payment, even if you never paid on time,

1049
00:50:18,120 --> 00:50:20,520
Speaker 6: even if you weren't in the right repayment plan, the

1050
00:50:20,600 --> 00:50:24,040
Speaker 6: requirement is did you work there? Can somebody sign your

1051
00:50:24,080 --> 00:50:27,280
Speaker 6: paperwork saying that you work there at least thirty hours

1052
00:50:27,280 --> 00:50:29,920
Speaker 6: a week. If the answer is yes, you're eligible for

1053
00:50:30,000 --> 00:50:32,640
Speaker 6: your credit. That's it. Don't think too hard on it.

1054
00:50:32,960 --> 00:50:35,000
Speaker 6: You know, people go wow, you know sometimes in pre

1055
00:50:35,080 --> 00:50:38,040
Speaker 6: parents they know, they know, you know, sometimes I miss

1056
00:50:38,080 --> 00:50:40,200
Speaker 6: the payment house late like ten, they know they know.

1057
00:50:40,719 --> 00:50:44,200
Speaker 6: So don't go into that handspace. I would rather the

1058
00:50:44,239 --> 00:50:46,200
Speaker 6: department ed tell you know, did you tell yourself?

1059
00:50:46,239 --> 00:50:46,319
Speaker 3: No?

1060
00:50:47,120 --> 00:50:49,640
Speaker 6: Just apply? And literally a lady said to me, I'm

1061
00:50:49,680 --> 00:50:52,000
Speaker 6: so grateful you made me apply. She went from twenty

1062
00:50:52,000 --> 00:50:55,479
Speaker 6: eligible payments to one hundred and fourteen because she took

1063
00:50:55,520 --> 00:50:57,440
Speaker 6: like six of my classes. I didn't you know? And

1064
00:50:57,480 --> 00:50:59,080
Speaker 6: she said, all right, I family just sent it in.

1065
00:50:59,400 --> 00:51:01,960
Speaker 6: That's a huge jump, y'all. She literally got six payments

1066
00:51:02,000 --> 00:51:03,680
Speaker 6: to go and she'll be done.

1067
00:51:04,160 --> 00:51:05,879
Speaker 2: Yeah. A part of that that it kind of gets

1068
00:51:05,920 --> 00:51:06,319
Speaker 2: left out.

1069
00:51:06,520 --> 00:51:08,279
Speaker 5: And I'm sure there's a lot of people, like we

1070
00:51:08,320 --> 00:51:11,719
Speaker 5: said four hundred forty three million people are a student loan.

1071
00:51:11,760 --> 00:51:14,520
Speaker 2: That one of the five people in default is that

1072
00:51:14,560 --> 00:51:15,160
Speaker 2: credit score.

1073
00:51:16,520 --> 00:51:21,160
Speaker 6: I mean, Troy, if you're in default right now, Troy,

1074
00:51:21,520 --> 00:51:24,719
Speaker 6: it get real weird. You know, No, it's get weird.

1075
00:51:24,960 --> 00:51:26,960
Speaker 6: Like if you're watching this and you're in default, you

1076
00:51:26,960 --> 00:51:29,560
Speaker 6: should be ashamed of yourself. After today, you should no

1077
00:51:29,640 --> 00:51:31,440
Speaker 6: longer be in man thing. You should call them right now.

1078
00:51:31,480 --> 00:51:34,120
Speaker 6: You got about twelve minutes east coach time, yom until nine.

1079
00:51:34,560 --> 00:51:38,200
Speaker 6: Get out tonight or get out tomorrow morning. The thing is, guys,

1080
00:51:38,440 --> 00:51:40,319
Speaker 6: there's no such thing as being in default, no more

1081
00:51:40,320 --> 00:51:42,960
Speaker 6: if you don't want to be like, all right, So

1082
00:51:43,000 --> 00:51:45,640
Speaker 6: there's certain people that defaulted. There's like your first time defaulters,

1083
00:51:45,640 --> 00:51:48,200
Speaker 6: and then there's those like forever defaults that like you,

1084
00:51:48,280 --> 00:51:50,479
Speaker 6: probably just was never going to get out. So here's

1085
00:51:50,520 --> 00:51:53,600
Speaker 6: the key. They started something called the Fresh Start program.

1086
00:51:53,840 --> 00:51:57,400
Speaker 6: It's a no questions asks program. What that means is

1087
00:51:57,480 --> 00:52:00,560
Speaker 6: it's going to go one of two ways. Hey, listen,

1088
00:52:00,600 --> 00:52:02,200
Speaker 6: I heard that there's a program that get me out

1089
00:52:02,200 --> 00:52:03,560
Speaker 6: of the fault today. What do I need to do?

1090
00:52:04,080 --> 00:52:06,480
Speaker 6: They're not going to ask you what happened? You know.

1091
00:52:06,640 --> 00:52:09,560
Speaker 6: They may ask you what you've earned for only one reason,

1092
00:52:10,080 --> 00:52:12,120
Speaker 6: and that's to see if they can qualify you for

1093
00:52:12,160 --> 00:52:14,560
Speaker 6: a low payment for three months to take it off

1094
00:52:14,600 --> 00:52:17,200
Speaker 6: your credit like it never happened. But if you're like

1095
00:52:17,239 --> 00:52:19,279
Speaker 6: I don't want to give up my income and you

1096
00:52:19,280 --> 00:52:21,200
Speaker 6: don't want to go back and forth, they can take

1097
00:52:21,239 --> 00:52:23,640
Speaker 6: you out of default today. Troy. It's just that it

1098
00:52:23,640 --> 00:52:25,839
Speaker 6: would just still showing your credit that it happens. Does

1099
00:52:25,880 --> 00:52:28,480
Speaker 6: that make sense? But I literally had a young lady.

1100
00:52:28,719 --> 00:52:31,000
Speaker 6: I was teaching a class one afternoon and I told

1101
00:52:31,000 --> 00:52:32,920
Speaker 6: everybody how weird they were. She was still sick of

1102
00:52:32,960 --> 00:52:35,120
Speaker 6: me calling people weird. I knew what I was doing.

1103
00:52:35,320 --> 00:52:37,759
Speaker 6: She literally called in real time and like came off

1104
00:52:37,800 --> 00:52:39,400
Speaker 6: from you and busted out like I'm not in default

1105
00:52:39,400 --> 00:52:41,280
Speaker 6: no more. And it was just like this like crazy

1106
00:52:41,320 --> 00:52:43,320
Speaker 6: movie scene. Yeah, you don't have to be in default

1107
00:52:43,320 --> 00:52:45,759
Speaker 6: no more. You're in a loginstude a dot UV it's

1108
00:52:45,760 --> 00:52:48,360
Speaker 6: going to say you're in default, and then there's a

1109
00:52:48,440 --> 00:52:52,239
Speaker 6: number there for you to call Department Education. Just call them,

1110
00:52:52,280 --> 00:52:55,160
Speaker 6: call them, Take about ten minutes, get out today. You

1111
00:52:55,320 --> 00:52:57,480
Speaker 6: only have about a year from today to do this,

1112
00:52:57,560 --> 00:52:59,880
Speaker 6: and then after that it's going to go away.

1113
00:53:00,520 --> 00:53:02,840
Speaker 2: Okay, okay, Yeah, I get.

1114
00:53:02,680 --> 00:53:05,160
Speaker 6: So excited about these things we're going to I just

1115
00:53:05,200 --> 00:53:06,719
Speaker 6: want to I want to see people be great.

1116
00:53:06,719 --> 00:53:07,640
Speaker 2: I want to see him be great.

1117
00:53:07,640 --> 00:53:10,000
Speaker 5: I want to see, you know, this level of debt

1118
00:53:10,040 --> 00:53:12,319
Speaker 5: come off off their accounts and you know, hopefully their

1119
00:53:12,320 --> 00:53:14,320
Speaker 5: credit scores go up, and then we got more people

1120
00:53:14,320 --> 00:53:16,880
Speaker 5: buying homes. Right, Sometimes student loan debt puts us in

1121
00:53:16,920 --> 00:53:19,360
Speaker 5: a in a crisis where the only option is to

1122
00:53:19,400 --> 00:53:21,880
Speaker 5: stay home, and sometimes there's no home to come back to,

1123
00:53:22,200 --> 00:53:24,440
Speaker 5: and so that becomes a decision, right, cannot even afford

1124
00:53:24,480 --> 00:53:26,440
Speaker 5: to make the decision to go to school. And so

1125
00:53:26,480 --> 00:53:29,360
Speaker 5: we want to give people enough options and enough resources

1126
00:53:29,400 --> 00:53:31,839
Speaker 5: to make, you know, good decisions for them, and great

1127
00:53:31,840 --> 00:53:35,000
Speaker 5: financial decisions. Because we said, other than getting married, going

1128
00:53:35,040 --> 00:53:37,000
Speaker 5: to school is going to probably be the most important

1129
00:53:37,120 --> 00:53:38,399
Speaker 5: financial decision you're gonna make.

1130
00:53:39,200 --> 00:53:42,680
Speaker 2: Right, Yeah, we got let's do it. This is it?

1131
00:53:42,960 --> 00:53:45,600
Speaker 2: So are we coming to you on your self. You've

1132
00:53:45,600 --> 00:53:46,680
Speaker 2: been a mute. What's going on?

1133
00:53:49,400 --> 00:53:51,040
Speaker 11: It's going good? Guys, can you hear me?

1134
00:53:51,440 --> 00:53:52,759
Speaker 2: Here? Are you perfectly? What's going on?

1135
00:53:53,920 --> 00:53:56,880
Speaker 11: Going well? Going well, just enjoying the class. But my

1136
00:53:56,960 --> 00:54:00,919
Speaker 11: question was, so I'm one of the one who had

1137
00:54:00,960 --> 00:54:04,560
Speaker 11: one of the parent or the parent plus loan and

1138
00:54:04,840 --> 00:54:09,920
Speaker 11: the pelgram, and I also have multiple siblings who went

1139
00:54:09,960 --> 00:54:13,719
Speaker 11: to college before me, but consolidating their parent plus loan

1140
00:54:13,760 --> 00:54:17,480
Speaker 11: into one. It's one of the situations where I guess

1141
00:54:17,480 --> 00:54:19,840
Speaker 11: consolidation consolidating is going to work against this.

1142
00:54:21,160 --> 00:54:23,040
Speaker 6: No, if you have a parent plus loan, in order

1143
00:54:23,120 --> 00:54:27,200
Speaker 6: to qualify, it has to be a parent plus consolidated loan.

1144
00:54:27,520 --> 00:54:30,000
Speaker 6: So it's not just enough. When we talk about the

1145
00:54:30,040 --> 00:54:33,000
Speaker 6: Public Service Loan Forgiveness program, let me stress that in

1146
00:54:33,120 --> 00:54:35,600
Speaker 6: order to qualify for the parent plus loan to be

1147
00:54:35,800 --> 00:54:39,600
Speaker 6: right clear, if you are eligible for psl UF, you

1148
00:54:39,760 --> 00:54:42,920
Speaker 6: have to go in and just consolidate that loan if

1149
00:54:42,920 --> 00:54:46,680
Speaker 6: it's not already a parent plus consolidated loan. Does that

1150
00:54:46,719 --> 00:54:50,640
Speaker 6: make sense? But in order to get the money from

1151
00:54:51,040 --> 00:54:53,560
Speaker 6: from biting for the ten or twenty k, you would

1152
00:54:53,560 --> 00:55:09,680
Speaker 6: not have to do that if it's a direct loan already.

1153
00:55:03,920 --> 00:55:05,839
Speaker 2: We're chopping up. I'm not I'm not sure. Are you saying?

1154
00:55:05,880 --> 00:55:07,360
Speaker 4: Thank you?

1155
00:55:07,960 --> 00:55:14,520
Speaker 5: Appreciate you, bro, thank you, No problem, You're welcome.

1156
00:55:15,040 --> 00:55:16,799
Speaker 2: Let's do it. Let's do it. We got Kelly, we're

1157
00:55:16,800 --> 00:55:18,160
Speaker 2: coming to you. Not a hand.

1158
00:55:18,239 --> 00:55:19,960
Speaker 5: They got a bunch of hands in here. Kelly, we're

1159
00:55:19,960 --> 00:55:22,359
Speaker 5: coming to you. Unmute yourself, you but unmuted. What's going

1160
00:55:22,360 --> 00:55:22,719
Speaker 5: on with you?

1161
00:55:22,960 --> 00:55:24,560
Speaker 4: Wait to the end and start asking questions.

1162
00:55:24,680 --> 00:55:27,800
Speaker 5: Okay, somebody just asked my question. Let me get some clarity, Kelly.

1163
00:55:27,800 --> 00:55:28,399
Speaker 5: What's going on?

1164
00:55:28,760 --> 00:55:29,640
Speaker 6: Hey, what's going on?

1165
00:55:29,719 --> 00:55:30,040
Speaker 4: Y'all?

1166
00:55:30,520 --> 00:55:36,680
Speaker 6: I appreciate all this information. Thank you, Sonya. So you

1167
00:55:36,760 --> 00:55:39,440
Speaker 6: might have said this be so the Perkins loan.

1168
00:55:39,800 --> 00:55:41,960
Speaker 12: I have a Perkins loan, and then I have like

1169
00:55:42,560 --> 00:55:48,560
Speaker 12: some other direct consolidated and unconsolidated or I'm sorry direct

1170
00:55:48,640 --> 00:55:53,440
Speaker 12: unsubsidized and subsidized loans. I guess I'm not too sure

1171
00:55:54,440 --> 00:55:57,839
Speaker 12: what I'm what to do in terms of like would

1172
00:55:59,040 --> 00:56:03,400
Speaker 12: in terms of validating do I need to consolidate the

1173
00:56:03,480 --> 00:56:04,320
Speaker 12: Perkins loan?

1174
00:56:05,520 --> 00:56:07,799
Speaker 6: Well, there's a little error message that comes up or

1175
00:56:07,840 --> 00:56:10,040
Speaker 6: not an era, a warning message, and if you consolidate

1176
00:56:10,120 --> 00:56:12,879
Speaker 6: your Perkins loans, you could lose some type of eligibility.

1177
00:56:13,120 --> 00:56:16,640
Speaker 6: If I just read that, yup, when you read it,

1178
00:56:16,680 --> 00:56:18,279
Speaker 6: did that apply to you? Or no?

1179
00:56:19,000 --> 00:56:20,960
Speaker 12: Well that's why I clicked my hand up because I

1180
00:56:21,000 --> 00:56:22,439
Speaker 12: wasn't sure and I.

1181
00:56:22,320 --> 00:56:25,600
Speaker 6: Don't really know where to find it. So Rea did

1182
00:56:25,600 --> 00:56:29,680
Speaker 6: it again. And basically, so this hour goes and I'm

1183
00:56:29,719 --> 00:56:31,920
Speaker 6: going to just answer you every generally, Kelly, cause I

1184
00:56:31,960 --> 00:56:33,480
Speaker 6: haven't like looked at your count on it. You know,

1185
00:56:33,840 --> 00:56:37,120
Speaker 6: so when you are going to consolidate and the little

1186
00:56:37,120 --> 00:56:39,600
Speaker 6: Era message comes up, it says, do not consolidate this

1187
00:56:39,680 --> 00:56:42,440
Speaker 6: loan if you are in the process of having it forgiven.

1188
00:56:42,719 --> 00:56:44,680
Speaker 6: So if there's another way that you know that that

1189
00:56:44,760 --> 00:56:47,840
Speaker 6: perpose loan is being forgiven, but particularly if you were teaching,

1190
00:56:48,239 --> 00:56:50,480
Speaker 6: then you wouldn't want to include it. Is that your

1191
00:56:50,560 --> 00:56:52,800
Speaker 6: case or no.

1192
00:56:51,880 --> 00:56:53,879
Speaker 12: No, I'm not teaching and I don't have another way

1193
00:56:53,920 --> 00:56:56,440
Speaker 12: to concild or to get it out.

1194
00:56:56,480 --> 00:56:58,200
Speaker 6: I would slide to the mail on n and Kelly,

1195
00:56:58,200 --> 00:57:00,319
Speaker 6: that was the answer. So that's basically what it comes

1196
00:57:00,320 --> 00:57:03,200
Speaker 6: down too, and people know like so. So basically with

1197
00:57:03,200 --> 00:57:05,120
Speaker 6: the purchase loes, there was a big push years ago

1198
00:57:05,480 --> 00:57:07,640
Speaker 6: that they would forgive that loan if you went into

1199
00:57:07,640 --> 00:57:10,800
Speaker 6: the education field and there's a separate process that happens

1200
00:57:10,800 --> 00:57:13,400
Speaker 6: for those loans to be forgiven. It's a whole different program.

1201
00:57:13,600 --> 00:57:15,839
Speaker 6: But if that's not the case for you, you would

1202
00:57:15,920 --> 00:57:20,200
Speaker 6: know then you can you can't include it. Okay, all right,

1203
00:57:20,240 --> 00:57:21,760
Speaker 6: thank you, Yep, you're welcome.

1204
00:57:22,240 --> 00:57:22,840
Speaker 2: Appreciate you.

1205
00:57:22,920 --> 00:57:27,040
Speaker 5: Kelly. All right, Ayana, we are coming to you. Mute yourself.

1206
00:57:27,040 --> 00:57:28,280
Speaker 5: You've been unmuted. What's going on?

1207
00:57:28,320 --> 00:57:28,760
Speaker 2: Ayana?

1208
00:57:32,320 --> 00:57:33,520
Speaker 4: Hi, I'm sorry.

1209
00:57:33,520 --> 00:57:35,200
Speaker 2: Can you hear me perfectly?

1210
00:57:35,800 --> 00:57:36,160
Speaker 6: Okay?

1211
00:57:36,200 --> 00:57:36,520
Speaker 2: Great?

1212
00:57:37,160 --> 00:57:39,920
Speaker 13: Well, I just want to start by saying, Troy Rashott

1213
00:57:40,080 --> 00:57:41,200
Speaker 13: and Sonya, I just.

1214
00:57:41,160 --> 00:57:43,040
Speaker 6: Want to thank you, thank you, thank you for all

1215
00:57:43,040 --> 00:57:44,000
Speaker 6: of this information.

1216
00:57:45,080 --> 00:57:47,760
Speaker 13: I'm pretty much ready to start doing my little praise

1217
00:57:47,840 --> 00:57:52,680
Speaker 13: dance already. But I worked for the Department of Health

1218
00:57:52,680 --> 00:57:57,800
Speaker 13: and Human Services in the pretty much the welfare office,

1219
00:57:58,480 --> 00:58:00,320
Speaker 13: and so my question is not for.

1220
00:58:00,120 --> 00:58:02,360
Speaker 6: Me because I've been there twelve years.

1221
00:58:02,600 --> 00:58:05,040
Speaker 13: But I do have a lot of clients that receive

1222
00:58:05,240 --> 00:58:09,720
Speaker 13: public service, I mean public assistance, you know, and it

1223
00:58:09,760 --> 00:58:14,040
Speaker 13: doesn't really look like from my perspective, any of them

1224
00:58:14,080 --> 00:58:18,640
Speaker 13: are trying to get a job. But are there any

1225
00:58:18,800 --> 00:58:21,960
Speaker 13: I mean, what will happen with individuals like that their

1226
00:58:22,000 --> 00:58:27,280
Speaker 13: own student loans, they are not employed and once the

1227
00:58:27,400 --> 00:58:29,920
Speaker 13: interests and everything starts to kick back in. I mean,

1228
00:58:30,120 --> 00:58:36,240
Speaker 13: I'm sure most of them are have applied for forbearances,

1229
00:58:36,360 --> 00:58:40,640
Speaker 13: but is there anything for individuals like that?

1230
00:58:40,920 --> 00:58:43,320
Speaker 6: So what I would do? I got it, And it's

1231
00:58:43,320 --> 00:58:46,160
Speaker 6: not a weird question at all. You may want to

1232
00:58:46,200 --> 00:58:49,920
Speaker 6: help them and you know, host some webinars or in

1233
00:58:49,920 --> 00:58:52,240
Speaker 6: person sessions to help them apply for the ten or

1234
00:58:52,280 --> 00:58:55,000
Speaker 6: twenty K. Majority of them, if they have still the loans,

1235
00:58:55,000 --> 00:58:57,600
Speaker 6: will be eligible for the twenty k because they probably

1236
00:58:57,600 --> 00:59:00,560
Speaker 6: receive the Perkins grant they make under the ones twenty five.

1237
00:59:00,840 --> 00:59:02,360
Speaker 6: So we want to get as many of those people

1238
00:59:02,400 --> 00:59:06,080
Speaker 6: possible with the application for the twenty k. When it's

1239
00:59:06,120 --> 00:59:08,800
Speaker 6: time to go on repayment in January, we want them

1240
00:59:08,840 --> 00:59:11,640
Speaker 6: to do what's called an income driven repayment plan. They're

1241
00:59:11,640 --> 00:59:13,840
Speaker 6: going to put down that they have zero income and

1242
00:59:13,880 --> 00:59:16,920
Speaker 6: then what it should happen is the department at Promise.

1243
00:59:17,000 --> 00:59:19,280
Speaker 6: Now what is going to happen is I got it

1244
00:59:19,320 --> 00:59:22,080
Speaker 6: by them getting into this new repayment plan. Just like

1245
00:59:22,200 --> 00:59:24,800
Speaker 6: Troy had mentioned, they're going to be getting a zero

1246
00:59:24,840 --> 00:59:26,720
Speaker 6: dollar payment plan. Nine times out of ten if there's

1247
00:59:26,720 --> 00:59:30,720
Speaker 6: no income. Now they're going to have zero dollar payments

1248
00:59:31,120 --> 00:59:34,640
Speaker 6: counting towards an actual number to release them from student

1249
00:59:34,680 --> 00:59:37,480
Speaker 6: loan debt total, and that might be five, ten or

1250
00:59:37,520 --> 00:59:40,000
Speaker 6: fifteen years. We just have to see what all the

1251
00:59:40,120 --> 00:59:42,960
Speaker 6: numbers come out when the payment plan is released. So

1252
00:59:43,560 --> 00:59:45,440
Speaker 6: what we want to encourage these young people to do

1253
00:59:45,600 --> 00:59:47,880
Speaker 6: is we don't want them to be by the wayside

1254
00:59:47,920 --> 00:59:49,760
Speaker 6: and miss the ten and twenty k and then we

1255
00:59:49,840 --> 00:59:52,520
Speaker 6: also don't want them to go into default and mess

1256
00:59:52,600 --> 00:59:55,040
Speaker 6: up their credit. Then they need to just make sure

1257
00:59:55,120 --> 00:59:58,480
Speaker 6: every year they enroll into an IDR program and if

1258
00:59:58,520 --> 01:00:00,200
Speaker 6: it's a zero a lot of payment, there are a

1259
01:00:00,240 --> 01:00:02,840
Speaker 6: lot of payment. Now we hope that next year maybe

1260
01:00:02,840 --> 01:00:04,760
Speaker 6: it's a fifty dollar payment because what that means they're

1261
01:00:04,760 --> 01:00:08,000
Speaker 6: earning income. So we just want to make sure they know,

1262
01:00:08,600 --> 01:00:10,760
Speaker 6: kind of like when you do your taxes, you need

1263
01:00:10,760 --> 01:00:13,480
Speaker 6: to do your income driven repayment plan too, so that

1264
01:00:13,560 --> 01:00:15,400
Speaker 6: they can stay on the course and get this loan

1265
01:00:15,440 --> 01:00:16,600
Speaker 6: that done.

1266
01:00:17,080 --> 01:00:20,840
Speaker 13: Okay, well, thank you very much. I will relay that information.

1267
01:00:20,960 --> 01:00:23,840
Speaker 13: I appreciate you, na, thank you.

1268
01:00:23,960 --> 01:00:26,040
Speaker 4: Shout out to you to two thousand people in check

1269
01:00:26,080 --> 01:00:29,200
Speaker 4: in very important the like button and share this is

1270
01:00:29,600 --> 01:00:32,960
Speaker 4: very very important information.

1271
01:00:33,920 --> 01:00:35,520
Speaker 2: All right, who we got let's see. Let's see.

1272
01:00:35,600 --> 01:00:38,880
Speaker 5: Let's see, Michelle, we coming to you. I'm yourself. You've

1273
01:00:38,880 --> 01:00:41,200
Speaker 5: been on you to shout out to Euyo University. Man,

1274
01:00:41,760 --> 01:00:42,720
Speaker 5: no fridge breaks on?

1275
01:00:43,720 --> 01:00:45,040
Speaker 2: Did I just think nah this?

1276
01:00:45,160 --> 01:00:48,480
Speaker 5: She goes Michelle, what's going on? I'm good.

1277
01:00:48,520 --> 01:00:49,560
Speaker 7: How are you guys doing?

1278
01:00:50,120 --> 01:00:50,840
Speaker 2: I am great?

1279
01:00:51,400 --> 01:00:54,600
Speaker 7: Yes, Hi, sonya, thank you so much for this information

1280
01:00:54,680 --> 01:00:57,200
Speaker 7: you're sharing. I just had a quick question. So I

1281
01:00:57,360 --> 01:01:00,240
Speaker 7: fall under the categories I work in a school. I

1282
01:01:00,400 --> 01:01:04,120
Speaker 7: fall under the category of special services. I'm an occupational therapist,

1283
01:01:04,680 --> 01:01:08,360
Speaker 7: and I wanted to know does it work? Do you

1284
01:01:08,400 --> 01:01:11,600
Speaker 7: have to be a district employee in order? Like, first

1285
01:01:11,600 --> 01:01:13,200
Speaker 7: of all, do we even qualify for this? And do

1286
01:01:13,240 --> 01:01:15,920
Speaker 7: you have to be a district employee? Because I find

1287
01:01:15,920 --> 01:01:19,520
Speaker 7: that a lot of therapists, like speech therapists, physical therapists,

1288
01:01:19,520 --> 01:01:20,800
Speaker 7: and occupational.

1289
01:01:20,240 --> 01:01:22,200
Speaker 6: Therapists work in schools.

1290
01:01:21,840 --> 01:01:26,920
Speaker 7: Are more so contracted and not necessarily district employees. So

1291
01:01:26,960 --> 01:01:27,520
Speaker 7: I want to know.

1292
01:01:28,280 --> 01:01:30,919
Speaker 6: Because good question, Michelle. Let me just ask you a question.

1293
01:01:31,000 --> 01:01:32,200
Speaker 6: Who is your employer? Though?

1294
01:01:33,240 --> 01:01:39,280
Speaker 7: So my employer is technically like the contractor, so for example, like, uh,

1295
01:01:39,440 --> 01:01:44,440
Speaker 7: there are different companies who just compile I guess, for

1296
01:01:44,600 --> 01:01:48,520
Speaker 7: lack of better words, therapists and then they like contract them.

1297
01:01:48,400 --> 01:01:49,200
Speaker 6: Out to the school.

1298
01:01:49,320 --> 01:01:51,720
Speaker 7: So I'm I'm through a contractor.

1299
01:01:53,000 --> 01:01:55,439
Speaker 6: Okay, Michelle. If we were sitting in my living room,

1300
01:01:55,480 --> 01:01:57,200
Speaker 6: I probably would give you a few answers. So I'm

1301
01:01:57,200 --> 01:01:59,800
Speaker 6: going to see the lightly here. Okay, So Michelle, you

1302
01:01:59,840 --> 01:02:01,760
Speaker 6: may be eligible for the ten or the twenty k

1303
01:02:01,920 --> 01:02:04,320
Speaker 6: of course that we talked about earlier that the Bide

1304
01:02:04,320 --> 01:02:06,440
Speaker 6: administration is going to be given out. And Michelle, let

1305
01:02:06,480 --> 01:02:08,400
Speaker 6: me tell you what I saw, but don't avise. I

1306
01:02:08,440 --> 01:02:11,200
Speaker 6: did see some people. And you know, here's the thing.

1307
01:02:11,240 --> 01:02:13,400
Speaker 6: Guys with the Public Service lo't forgiveness program. They're just

1308
01:02:13,400 --> 01:02:15,360
Speaker 6: trying to get as many people approve me through as

1309
01:02:15,400 --> 01:02:19,120
Speaker 6: possible that there are any regulation checks happening. Not to

1310
01:02:19,160 --> 01:02:20,800
Speaker 6: say that they won't go back and do it. And

1311
01:02:20,920 --> 01:02:23,440
Speaker 6: orange is not our favorite color. What some people are

1312
01:02:23,440 --> 01:02:26,080
Speaker 6: doing is there is a loophole when you look at

1313
01:02:26,080 --> 01:02:29,040
Speaker 6: the Public Service. Don't forget this application that says who

1314
01:02:29,120 --> 01:02:33,040
Speaker 6: is an authorized signer to verify your employment? Well, Michelle

1315
01:02:33,080 --> 01:02:34,880
Speaker 6: wants you to read that section for yourself and then

1316
01:02:34,920 --> 01:02:37,200
Speaker 6: you decide how you want to do this. Some people

1317
01:02:37,280 --> 01:02:39,560
Speaker 6: that are in the same position as you are having

1318
01:02:39,600 --> 01:02:43,760
Speaker 6: the principle or that there's hr the school complete the

1319
01:02:43,840 --> 01:02:47,760
Speaker 6: form and not the contractor that contracted you. And what

1320
01:02:47,840 --> 01:02:49,720
Speaker 6: I say that is is because in the section of

1321
01:02:49,760 --> 01:02:52,720
Speaker 6: the form it does read that someone that can attest

1322
01:02:52,800 --> 01:02:56,040
Speaker 6: to your work history. And so that's the challenge, Michelle.

1323
01:02:56,240 --> 01:02:58,360
Speaker 6: Let me just tell you, I don't advise it the

1324
01:02:58,400 --> 01:03:00,800
Speaker 6: way I tell you to read and decide. We've seen

1325
01:03:00,840 --> 01:03:03,480
Speaker 6: people decide to do it that way, and we've seen

1326
01:03:03,520 --> 01:03:06,280
Speaker 6: them get their loans forgiven and get their forgiveness months.

1327
01:03:06,480 --> 01:03:08,720
Speaker 6: So it's really really catch you slide because you do

1328
01:03:08,800 --> 01:03:11,720
Speaker 6: work in a qualify and feel it's just the employer itself.

1329
01:03:11,760 --> 01:03:14,120
Speaker 6: It's not, but somebody that could attest to you working

1330
01:03:14,120 --> 01:03:16,280
Speaker 6: in that field could sign. So I'm gonna be really

1331
01:03:16,360 --> 01:03:19,000
Speaker 6: honest with you. This form is super gray. If you

1332
01:03:19,040 --> 01:03:21,640
Speaker 6: really want clarification, you can always call Mohillia Department of

1333
01:03:21,680 --> 01:03:24,440
Speaker 6: Education and see their thoughts on it. But this is

1334
01:03:24,520 --> 01:03:26,880
Speaker 6: just kind of what people find themselves in your position.

1335
01:03:27,560 --> 01:03:31,280
Speaker 7: Okay, what I qualify if I were a district employee, Yeah.

1336
01:03:31,080 --> 01:03:32,920
Speaker 6: Like if you if you work for the school district

1337
01:03:32,920 --> 01:03:34,760
Speaker 6: in any school district, like in that case, then of

1338
01:03:34,840 --> 01:03:38,520
Speaker 6: course you would qualify. Yeah, because you're working for essentially

1339
01:03:38,560 --> 01:03:40,760
Speaker 6: an entity of the city government.

1340
01:03:41,680 --> 01:03:42,959
Speaker 7: Okay, thank you so much.

1341
01:03:43,360 --> 01:03:44,000
Speaker 6: You're welcome.

1342
01:03:44,280 --> 01:03:46,520
Speaker 5: That was a great question because that's like, that's a

1343
01:03:46,560 --> 01:03:49,160
Speaker 5: tricky slope, right because they all contracted.

1344
01:03:49,240 --> 01:03:52,600
Speaker 6: You know what. I am so like uh so like

1345
01:03:52,800 --> 01:03:56,240
Speaker 6: nervous of like backlash when you answer Gray, I ain't

1346
01:03:56,280 --> 01:04:01,040
Speaker 6: trying see no clips like, but to be honest with you,

1347
01:04:01,320 --> 01:04:03,680
Speaker 6: I've read it several times. Other people have read it,

1348
01:04:03,720 --> 01:04:06,120
Speaker 6: and if you read the section, it is so great,

1349
01:04:06,160 --> 01:04:08,280
Speaker 6: Like a lot of this is great. So I always

1350
01:04:08,280 --> 01:04:10,840
Speaker 6: tell people use your own discretion and then if you're

1351
01:04:10,880 --> 01:04:13,960
Speaker 6: really unsure, the call and the Department Education and give

1352
01:04:14,000 --> 01:04:16,280
Speaker 6: the same scenario question and see what they would advise.

1353
01:04:16,960 --> 01:04:19,040
Speaker 2: Yeah. Yeah, And I'm sure there's a bunch of people

1354
01:04:19,200 --> 01:04:20,000
Speaker 2: thinking the same thing.

1355
01:04:21,160 --> 01:04:23,840
Speaker 4: And for the people on YouTube, somebody said, how do

1356
01:04:23,880 --> 01:04:27,360
Speaker 4: you get to ask questions? UIL University. Somebody said, membership

1357
01:04:27,560 --> 01:04:30,400
Speaker 4: it renews every single year you pay and once you

1358
01:04:30,480 --> 01:04:32,240
Speaker 4: lock in that price, that's the same price and it's

1359
01:04:32,280 --> 01:04:34,600
Speaker 4: twelve months from the time you sign up. So those

1360
01:04:34,600 --> 01:04:37,280
Speaker 4: are three questions. Hopefully those answer those questions for you

1361
01:04:37,360 --> 01:04:39,960
Speaker 4: two people. I get a couple more questions.

1362
01:04:39,720 --> 01:04:42,520
Speaker 5: See Silanda, I'm coming to you. I'm yourself. You've been

1363
01:04:42,520 --> 01:04:44,280
Speaker 5: on how you doing? Good night, good.

1364
01:04:44,080 --> 01:04:50,560
Speaker 8: Evening, I'm great, good evening. I am a speech pathologist.

1365
01:04:50,640 --> 01:04:53,920
Speaker 8: So to extend that question, I'm a speech co cologist

1366
01:04:54,000 --> 01:04:57,360
Speaker 8: in Houston. I don't work for school. I'm a voice

1367
01:04:57,400 --> 01:05:01,440
Speaker 8: specialist and I own my own private practice. Now, I

1368
01:05:01,520 --> 01:05:05,160
Speaker 8: have worked for the University of Houston as an adjunct professor,

1369
01:05:06,160 --> 01:05:11,320
Speaker 8: and I have student loans from grad school. So does

1370
01:05:11,320 --> 01:05:14,040
Speaker 8: this apply to me as.

1371
01:05:13,880 --> 01:05:17,120
Speaker 6: An adjunct professor? Let me just ask you a few questions.

1372
01:05:17,320 --> 01:05:19,640
Speaker 6: As an adjunct professor. How many hours of work would

1373
01:05:19,680 --> 01:05:20,760
Speaker 6: you say you have worked?

1374
01:05:20,960 --> 01:05:21,200
Speaker 2: You have?

1375
01:05:24,400 --> 01:05:29,000
Speaker 8: Well, I haven't done that. That was twenty fifteen to

1376
01:05:29,160 --> 01:05:33,959
Speaker 8: twenty seventeen, and I was there two days a week

1377
01:05:34,760 --> 01:05:35,520
Speaker 8: on campus.

1378
01:05:35,840 --> 01:05:38,680
Speaker 6: Okay, so on campus two days a week. Any work

1379
01:05:38,720 --> 01:05:40,680
Speaker 6: outside of that, because I'm trying to see if that

1380
01:05:40,720 --> 01:05:41,920
Speaker 6: will equal to thirty hours.

1381
01:05:42,240 --> 01:05:45,959
Speaker 8: Thirty hours always didn't have to be thirty hours a week.

1382
01:05:46,000 --> 01:05:47,560
Speaker 8: It was not thirty hours a week.

1383
01:05:48,320 --> 01:05:50,240
Speaker 6: Okay, all right, did me a favorite? Just hit me

1384
01:05:50,360 --> 01:05:52,840
Speaker 6: really quickly so we don't give some back feedbacks. I'll

1385
01:05:52,880 --> 01:05:56,440
Speaker 6: give you one more idea. Okay. Social line one of

1386
01:05:56,480 --> 01:05:58,440
Speaker 6: the things that I always teach my students that are

1387
01:05:58,600 --> 01:06:01,520
Speaker 6: entrepreneurs or contract is for themselves something you want to

1388
01:06:01,560 --> 01:06:04,400
Speaker 6: consider as having your own what's called nonprofit arm. So

1389
01:06:04,400 --> 01:06:06,560
Speaker 6: a little extra game for you guys tonight, and it's

1390
01:06:06,680 --> 01:06:09,760
Speaker 6: very legal and most big corporations do do this. And

1391
01:06:10,280 --> 01:06:12,120
Speaker 6: you guys are familiar Keysy, I think she's been on

1392
01:06:12,160 --> 01:06:15,280
Speaker 6: your show before to something that she's done with herself

1393
01:06:15,320 --> 01:06:18,040
Speaker 6: and her mom. And so what happens is you can

1394
01:06:18,320 --> 01:06:21,800
Speaker 6: think about Shilanda starting your own nonprofit for the speech

1395
01:06:21,880 --> 01:06:24,320
Speaker 6: pathology work that you do. And what that would do

1396
01:06:24,520 --> 01:06:26,400
Speaker 6: is it would allow you, as a paid employee of

1397
01:06:26,400 --> 01:06:29,480
Speaker 6: that nonprofit to be able to be eligible for the

1398
01:06:29,480 --> 01:06:32,080
Speaker 6: public Service lon't forgiveness program. So we see a lot

1399
01:06:32,120 --> 01:06:35,200
Speaker 6: of people doing this opportunity. Our tribe is literally in

1400
01:06:35,240 --> 01:06:38,320
Speaker 6: process of creating it now for themselves. Why is this important.

1401
01:06:38,520 --> 01:06:40,880
Speaker 6: It's important because the work that you do can also

1402
01:06:40,920 --> 01:06:43,240
Speaker 6: help you be a good giver in your business in

1403
01:06:43,320 --> 01:06:45,320
Speaker 6: terms of tax write offs. So let's say you wanted

1404
01:06:45,320 --> 01:06:49,520
Speaker 6: to help somebody a certain client or patient, but they

1405
01:06:49,560 --> 01:06:51,520
Speaker 6: just can't afford to pay you, right, but maybe under

1406
01:06:51,560 --> 01:06:54,680
Speaker 6: your nonprofit arm they could. But also now you're getting

1407
01:06:54,720 --> 01:06:57,200
Speaker 6: paid through your nonprofit ARM, so you be able to

1408
01:06:57,240 --> 01:06:58,880
Speaker 6: do that too. The only thing is you, of course

1409
01:06:58,960 --> 01:07:00,960
Speaker 6: don't sign your own paper, but you do have to

1410
01:07:00,960 --> 01:07:02,640
Speaker 6: be able to be paid out of that. So that

1411
01:07:02,720 --> 01:07:04,480
Speaker 6: might be an idea that you can take and run

1412
01:07:04,520 --> 01:07:07,400
Speaker 6: with and look more into. And you can literally google

1413
01:07:07,440 --> 01:07:10,160
Speaker 6: nonprofit ARM we talk about on our page. But you

1414
01:07:10,360 --> 01:07:13,720
Speaker 6: just need to be able to get yourself enroll because

1415
01:07:13,760 --> 01:07:15,800
Speaker 6: if you have six figures to loan that it won't

1416
01:07:15,840 --> 01:07:18,200
Speaker 6: just go away because you're doing great work every day

1417
01:07:18,200 --> 01:07:20,680
Speaker 6: at work. You also have to attach it to a

1418
01:07:20,720 --> 01:07:23,360
Speaker 6: forgiveness vehicle, and the one for you might be going

1419
01:07:23,360 --> 01:07:26,520
Speaker 6: through PSLF in the form of a nonprofit ARM. So

1420
01:07:26,520 --> 01:07:28,080
Speaker 6: hopefully that was a little bit of my source of

1421
01:07:28,200 --> 01:07:28,919
Speaker 6: game that can help.

1422
01:07:30,680 --> 01:07:32,920
Speaker 8: Well, I do have a nonprofit ARM, so I'm excited

1423
01:07:32,960 --> 01:07:35,240
Speaker 8: about that. How long do you think I signed up?

1424
01:07:36,240 --> 01:07:37,280
Speaker 8: Since twenty fifteen?

1425
01:07:37,880 --> 01:07:40,800
Speaker 6: Oh well, girl, let's gonna do. You're gonna do that

1426
01:07:40,880 --> 01:07:44,160
Speaker 6: same PSLF paperwork and you're gonna see what shat try.

1427
01:07:44,200 --> 01:07:45,120
Speaker 6: We gotta go back to basics.

1428
01:07:45,240 --> 01:07:48,000
Speaker 2: You gotta mute yourself because we get feedback. Perfect.

1429
01:07:48,000 --> 01:07:50,200
Speaker 6: She's good now, Okay, So Shalani gonna take that same

1430
01:07:50,200 --> 01:07:53,080
Speaker 6: paperwork the PSLF Limited waiver and you're gonna send it

1431
01:07:53,120 --> 01:07:55,600
Speaker 6: in and you're gonna get credit. So seven years of

1432
01:07:55,600 --> 01:07:57,600
Speaker 6: credit should be coming your way because you have the

1433
01:07:57,800 --> 01:08:00,320
Speaker 6: you have had the nonprofit. You gotta get this before

1434
01:08:00,360 --> 01:08:03,480
Speaker 6: October thirty first, because again it's no questions asked if

1435
01:08:03,520 --> 01:08:06,200
Speaker 6: you were making payments or that nonprivate was making money

1436
01:08:06,320 --> 01:08:11,080
Speaker 6: or just get it in all right, thank you, all right?

1437
01:08:11,120 --> 01:08:14,400
Speaker 5: Excited for you yet October thirty first, that's a big day.

1438
01:08:15,040 --> 01:08:15,320
Speaker 2: TRELO.

1439
01:08:15,400 --> 01:08:17,320
Speaker 5: We're coming to you. We're coming to you. I'mute yourself,

1440
01:08:17,360 --> 01:08:18,639
Speaker 5: you've been I'm muted. What's going on?

1441
01:08:20,960 --> 01:08:22,360
Speaker 6: I guys, thanks for taking my call.

1442
01:08:23,040 --> 01:08:25,240
Speaker 8: I heard you speak a little bit about signya and

1443
01:08:25,320 --> 01:08:27,040
Speaker 8: thank you for giving us this information.

1444
01:08:27,840 --> 01:08:29,479
Speaker 6: I heard you speak a little bit about if you

1445
01:08:29,560 --> 01:08:33,040
Speaker 6: were making payments during the pandemic.

1446
01:08:33,479 --> 01:08:33,760
Speaker 2: M H.

1447
01:08:34,800 --> 01:08:36,719
Speaker 3: Can you speak a little bit more about that, because

1448
01:08:36,720 --> 01:08:38,800
Speaker 3: I did pay a couple of my student loans off

1449
01:08:38,840 --> 01:08:40,360
Speaker 3: through this pandemic. H.

1450
01:08:40,800 --> 01:08:44,240
Speaker 6: So you can have you can apply through your lender

1451
01:08:44,320 --> 01:08:46,720
Speaker 6: to have those payments that you made we funded back

1452
01:08:46,760 --> 01:08:49,240
Speaker 6: to you because you were not required to pay. Some

1453
01:08:49,280 --> 01:08:52,880
Speaker 6: people paid to lower their principle. So I just want

1454
01:08:52,920 --> 01:08:54,400
Speaker 6: to be mindful that if you're gonna get the refund,

1455
01:08:54,439 --> 01:08:56,320
Speaker 6: then it takes away from the money you paid. That

1456
01:08:56,400 --> 01:08:59,439
Speaker 6: lowers your principal. But if you truly didn't you truly

1457
01:08:59,479 --> 01:09:02,200
Speaker 6: were making pays, it's because your Linda didn't updated and time,

1458
01:09:02,240 --> 01:09:04,600
Speaker 6: like Navan got in trouble with this one. Particularly, you

1459
01:09:04,640 --> 01:09:07,960
Speaker 6: know Naving guys didn't stop repayment until like six months

1460
01:09:08,000 --> 01:09:10,920
Speaker 6: into the pandemic, Like sir, that don't stopped immediately, like

1461
01:09:10,920 --> 01:09:12,920
Speaker 6: what's going on here? So if that was the same

1462
01:09:12,960 --> 01:09:15,240
Speaker 6: situation for you, you just didn't know better, you still

1463
01:09:15,240 --> 01:09:18,240
Speaker 6: had payments on auto payment maybe auto pay, then yeah,

1464
01:09:18,240 --> 01:09:19,960
Speaker 6: you could get that money back if you don't want

1465
01:09:19,960 --> 01:09:24,599
Speaker 6: it to go towards the principal of your loan. Okay,

1466
01:09:24,600 --> 01:09:26,439
Speaker 6: thank you, m All.

1467
01:09:26,880 --> 01:09:31,000
Speaker 5: I think we let's do like one more. Marshall, got

1468
01:09:31,040 --> 01:09:34,160
Speaker 5: two names here and eat it. It's it's it's a

1469
01:09:34,200 --> 01:09:35,679
Speaker 5: couple a duo.

1470
01:09:36,880 --> 01:09:41,160
Speaker 2: What's going on? You're good? How are you man killing?

1471
01:09:41,439 --> 01:09:42,080
Speaker 7: What's your question?

1472
01:09:42,920 --> 01:09:44,120
Speaker 6: I have two questions.

1473
01:09:44,240 --> 01:09:45,240
Speaker 13: One is.

1474
01:09:47,120 --> 01:09:49,479
Speaker 6: When i'm when I was in grad school, if I

1475
01:09:49,520 --> 01:09:53,240
Speaker 6: was working part time for the school, does that count

1476
01:09:53,360 --> 01:09:53,599
Speaker 6: or not?

1477
01:09:54,320 --> 01:09:56,480
Speaker 2: And then two.

1478
01:09:57,560 --> 01:09:58,559
Speaker 7: What was my second question?

1479
01:10:01,360 --> 01:10:04,720
Speaker 6: Yes, let me ask you a question. When were you

1480
01:10:04,840 --> 01:10:08,160
Speaker 6: in school with years so I was in grad school

1481
01:10:08,439 --> 01:10:13,479
Speaker 6: from twenty sixteen to twenty eighteen. Okay, so there was

1482
01:10:13,520 --> 01:10:15,960
Speaker 6: a clause that said from twenty and seven to thirteen

1483
01:10:16,000 --> 01:10:18,040
Speaker 6: they were giving you credit if you were in school,

1484
01:10:18,360 --> 01:10:20,400
Speaker 6: but you were past that period, so okay, I was

1485
01:10:20,439 --> 01:10:23,720
Speaker 6: an undergrad. Yeah, so it was just that I don't

1486
01:10:23,760 --> 01:10:28,719
Speaker 6: get these numbers away. It was just that five years yeah, okay,

1487
01:10:29,200 --> 01:10:31,880
Speaker 6: all right, okay, so that so that would encount. But

1488
01:10:31,920 --> 01:10:34,880
Speaker 6: then I have to be full time, right, yeah, at

1489
01:10:34,920 --> 01:10:39,920
Speaker 6: least the key word here is thirty hours a week. Okay, perfect,

1490
01:10:40,200 --> 01:10:41,040
Speaker 6: all right, thank you.

1491
01:10:41,320 --> 01:10:44,479
Speaker 2: Yep, some blessings, appreciate, y'all. All right, y'all have a

1492
01:10:44,520 --> 01:10:44,920
Speaker 2: good night.

1493
01:10:45,680 --> 01:10:47,840
Speaker 5: Yeah, that gets tricky, right, grad school because a lot

1494
01:10:47,880 --> 01:10:50,040
Speaker 5: of times grad school you don't get federal funding. To

1495
01:10:50,040 --> 01:10:51,280
Speaker 5: go to grad school. You got to take out a

1496
01:10:51,280 --> 01:10:53,840
Speaker 5: lot of private loans. So it gets really tricky when

1497
01:10:53,840 --> 01:10:56,799
Speaker 5: you're dealing with private school, I mean grad school undergrad

1498
01:10:56,840 --> 01:10:59,040
Speaker 5: Obviously there's more opportunities for federal funding.

1499
01:10:59,080 --> 01:11:01,280
Speaker 2: But that grasp things. That's a beast.

1500
01:11:01,479 --> 01:11:02,160
Speaker 6: That's a beast.

1501
01:11:02,520 --> 01:11:05,880
Speaker 4: That's a beast. Sonya. I want you to speak about

1502
01:11:05,920 --> 01:11:07,920
Speaker 4: your program that you have, believe you have. Is it

1503
01:11:07,920 --> 01:11:08,439
Speaker 4: an ebook?

1504
01:11:08,840 --> 01:11:09,080
Speaker 8: Yeah.

1505
01:11:09,280 --> 01:11:12,200
Speaker 6: So we put together a really really quick and easy,

1506
01:11:12,240 --> 01:11:14,519
Speaker 6: comprehensive ebook and we can share it with you guys.

1507
01:11:14,800 --> 01:11:17,479
Speaker 6: So it's called the Ultimate Loan Forgiveness Ebook. And how

1508
01:11:17,479 --> 01:11:20,280
Speaker 6: it works is, if you're listening, you would literally write

1509
01:11:20,320 --> 01:11:23,439
Speaker 6: this down, go to page seventeen. You know, the problem

1510
01:11:23,479 --> 01:11:25,280
Speaker 6: here is, Rachelle de Troy, people don't know how to

1511
01:11:25,280 --> 01:11:29,080
Speaker 6: do these applications for PSM left barber's defense. They may

1512
01:11:29,120 --> 01:11:30,960
Speaker 6: not know how to consolidate. So what we did on

1513
01:11:31,000 --> 01:11:33,360
Speaker 6: page seventeen of the e book is that we literally

1514
01:11:33,360 --> 01:11:36,320
Speaker 6: included a class for you to watch. You can purchase

1515
01:11:36,360 --> 01:11:39,400
Speaker 6: it now and watch it tonight and literally follow step

1516
01:11:39,400 --> 01:11:41,880
Speaker 6: by step with us on how to fill out the form.

1517
01:11:42,280 --> 01:11:44,880
Speaker 6: This section means this, tell your employee this, Oh, if

1518
01:11:44,920 --> 01:11:47,760
Speaker 6: your employee says this, and then the barber's defense. That's

1519
01:11:47,760 --> 01:11:50,360
Speaker 6: the twenty five page one. We literally went through that

1520
01:11:50,760 --> 01:11:53,439
Speaker 6: line by line. You should type this, did you experience this?

1521
01:11:53,520 --> 01:11:56,280
Speaker 6: You should write this. So, I mean, it's it's kind

1522
01:11:56,320 --> 01:11:57,920
Speaker 6: of like we don't want you to think too are

1523
01:11:58,040 --> 01:12:00,519
Speaker 6: but we wanted you to walk you through it our

1524
01:12:00,680 --> 01:12:03,840
Speaker 6: way of being able to help the masses because we're small,

1525
01:12:03,840 --> 01:12:06,000
Speaker 6: but nineteen we could not take as many appointments, we're

1526
01:12:06,000 --> 01:12:08,080
Speaker 6: booked out for like two weeks, so we made up

1527
01:12:08,120 --> 01:12:10,559
Speaker 6: on demand classes for you guys, and then we also

1528
01:12:10,600 --> 01:12:13,519
Speaker 6: included a class on how to consolidate as well. We

1529
01:12:13,560 --> 01:12:14,800
Speaker 6: talked about how do you know if you need to

1530
01:12:14,800 --> 01:12:17,880
Speaker 6: consolidate and how to consolidate, and then we included a

1531
01:12:17,920 --> 01:12:20,280
Speaker 6: class also that if you're wondering, but was any of

1532
01:12:20,280 --> 01:12:23,000
Speaker 6: my employees eligible for PSL left, we put a class

1533
01:12:23,040 --> 01:12:24,880
Speaker 6: on how to go through studenta dot gov and find

1534
01:12:24,880 --> 01:12:27,640
Speaker 6: that information too. So there's a lot of information just

1535
01:12:27,680 --> 01:12:31,600
Speaker 6: about forgiveness programs in general. And then page seventeen is

1536
01:12:31,600 --> 01:12:34,760
Speaker 6: where the real the money say is like click here,

1537
01:12:34,960 --> 01:12:38,080
Speaker 6: do this. And then we also gave them with the ebook.

1538
01:12:38,240 --> 01:12:42,120
Speaker 6: Included in the ebook access to private Facebook groups. So

1539
01:12:42,280 --> 01:12:44,679
Speaker 6: what's gonna happen is during the application process, you're gonna

1540
01:12:44,720 --> 01:12:46,680
Speaker 6: have a lot of questions, So we didn't want you

1541
01:12:46,720 --> 01:12:48,920
Speaker 6: to have to email or DM it. You're gonna literally

1542
01:12:49,040 --> 01:12:51,439
Speaker 6: join that Facebook group and say, hey coach so and

1543
01:12:51,439 --> 01:12:54,200
Speaker 6: so or hey sonya, I had a question. They sent

1544
01:12:54,240 --> 01:12:55,680
Speaker 6: me this back in the email, what do I do?

1545
01:12:56,040 --> 01:12:58,679
Speaker 6: And then we're responding in pretty much real time twenty

1546
01:12:58,720 --> 01:13:00,760
Speaker 6: four hours, so we're trying to it just provide as

1547
01:13:00,800 --> 01:13:04,400
Speaker 6: much support and on demand combined together if possible, if

1548
01:13:04,400 --> 01:13:07,840
Speaker 6: that makes sense, and we're doing oh last thing, we've

1549
01:13:07,840 --> 01:13:11,439
Speaker 6: also included for members only that purchased this ebook, some

1550
01:13:11,600 --> 01:13:15,839
Speaker 6: free live FAQ classes that we're doing pretty much bi weekly,

1551
01:13:16,240 --> 01:13:18,600
Speaker 6: so we're probably going to be increasing them in September

1552
01:13:18,640 --> 01:13:21,320
Speaker 6: to weekly again. But literally, you can come on like, hey,

1553
01:13:21,320 --> 01:13:23,679
Speaker 6: I got the ebook, I got to this point right here,

1554
01:13:23,840 --> 01:13:25,280
Speaker 6: and I just want to know should I click this

1555
01:13:25,479 --> 01:13:27,080
Speaker 6: or you know, should I fill this out? And you

1556
01:13:27,080 --> 01:13:29,519
Speaker 6: could just asks in real time in their smaller classes.

1557
01:13:29,600 --> 01:13:31,759
Speaker 6: So I mean, when I tell you that we're working

1558
01:13:31,800 --> 01:13:34,479
Speaker 6: like every day twice a day, three times a day,

1559
01:13:35,240 --> 01:13:38,519
Speaker 6: we're overdrive because October thirty first is really not that

1560
01:13:38,640 --> 01:13:41,320
Speaker 6: far away. So yeah, we can definitely share that ebook

1561
01:13:41,320 --> 01:13:43,840
Speaker 6: out with your tribe. Are you guys gonna share it

1562
01:13:43,920 --> 01:13:44,760
Speaker 6: or share it on my how?

1563
01:13:45,200 --> 01:13:47,240
Speaker 4: Yeah, it's in the link I put it. I just

1564
01:13:47,280 --> 01:13:49,400
Speaker 4: put it in YouTube comments, but it's in the link

1565
01:13:49,439 --> 01:13:52,240
Speaker 4: of this video, in the description of this video. I

1566
01:13:52,240 --> 01:13:54,840
Speaker 4: should say, it's in the description of this video and

1567
01:13:55,160 --> 01:13:56,720
Speaker 4: if you're listening to it, cause we're gonna put this

1568
01:13:56,720 --> 01:13:58,680
Speaker 4: on audio podcasts as well. If you're listening to it

1569
01:13:58,680 --> 01:14:01,640
Speaker 4: on Apple Spotify. When you hear it, it'll be in

1570
01:14:01,640 --> 01:14:04,519
Speaker 4: a description of it as well. So Sonya is best

1571
01:14:04,520 --> 01:14:08,200
Speaker 4: in the business. And the e book I think like

1572
01:14:08,320 --> 01:14:09,519
Speaker 4: forty seven something like that.

1573
01:14:09,760 --> 01:14:12,479
Speaker 6: Yeah, forty seven, that's it. So if you we wanted

1574
01:14:12,479 --> 01:14:14,599
Speaker 6: to make it as affordable as possible. We didn't want

1575
01:14:14,640 --> 01:14:16,880
Speaker 6: you to have to think too hard. We know the

1576
01:14:16,960 --> 01:14:19,240
Speaker 6: number one reason why people don't apply for things is

1577
01:14:19,280 --> 01:14:22,200
Speaker 6: because they're overwhelmed by it. Some people never even logged

1578
01:14:22,200 --> 01:14:24,479
Speaker 6: in the studio a doc ofv before. So it's just

1579
01:14:24,479 --> 01:14:27,280
Speaker 6: a really really friendly like us holding your hand through

1580
01:14:27,280 --> 01:14:30,479
Speaker 6: the process. And then the live support and the Facebook group.

1581
01:14:30,680 --> 01:14:32,760
Speaker 6: We just did added value because we didn't want people

1582
01:14:32,760 --> 01:14:34,720
Speaker 6: to feel lost. So we're really proud about the e

1583
01:14:34,720 --> 01:14:37,479
Speaker 6: book is selling really well. And not only is it selling,

1584
01:14:37,600 --> 01:14:40,920
Speaker 6: like literally forget all that about that. I'm excited when

1585
01:14:40,920 --> 01:14:42,880
Speaker 6: I wake up to three hundred and fifty seven thousand

1586
01:14:42,880 --> 01:14:45,560
Speaker 6: clear or really your conference, guys, I had like a

1587
01:14:45,560 --> 01:14:47,639
Speaker 6: little teary moment, you know, not have my face beat

1588
01:14:47,680 --> 01:14:48,759
Speaker 6: to the gods for your conference.

1589
01:14:49,000 --> 01:14:49,679
Speaker 2: That's a fact.

1590
01:14:49,800 --> 01:14:52,040
Speaker 6: I had to go get myself together because you know,

1591
01:14:52,240 --> 01:14:54,800
Speaker 6: men don't ever really say much men were coming up

1592
01:14:54,800 --> 01:14:56,439
Speaker 6: to me like I just want to tell you something.

1593
01:14:56,720 --> 01:14:58,320
Speaker 6: I'm like, what do you want to tell me? And

1594
01:14:58,320 --> 01:15:00,120
Speaker 6: they're like, okay, soak you I got one hundreds. He's

1595
01:15:00,160 --> 01:15:02,519
Speaker 6: like your dad, like your class. And then some people

1596
01:15:02,520 --> 01:15:04,200
Speaker 6: said they came to the conference just to give me

1597
01:15:04,240 --> 01:15:06,479
Speaker 6: a hug, like getting you a hug our ticket today.

1598
01:15:06,720 --> 01:15:08,280
Speaker 6: But you know, I would come give me a hug

1599
01:15:08,280 --> 01:15:10,040
Speaker 6: too if I got two hundred and two thousand. Forgive

1600
01:15:10,080 --> 01:15:12,679
Speaker 6: it from just a class, you know what I'm saying.

1601
01:15:12,720 --> 01:15:15,479
Speaker 6: So it's been really, really fun. I think we're we're

1602
01:15:15,520 --> 01:15:18,000
Speaker 6: just in great momentum. We're loving what we do. We're exhausted,

1603
01:15:18,320 --> 01:15:20,599
Speaker 6: but that's okay. I'd rather you know, sleep in November

1604
01:15:20,680 --> 01:15:22,280
Speaker 6: or something, but we got a lot of work to

1605
01:15:22,320 --> 01:15:23,559
Speaker 6: do before October thirty.

1606
01:15:23,560 --> 01:15:29,639
Speaker 4: First, for sure, I appreciate it. Yeah, get the Get

1607
01:15:29,640 --> 01:15:33,559
Speaker 4: the whole bundle. The link is in the description of

1608
01:15:33,600 --> 01:15:36,320
Speaker 4: this video. Like I said, if you have questions about

1609
01:15:36,360 --> 01:15:39,880
Speaker 4: student loans, it's a no brainer because I mean, you

1610
01:15:39,960 --> 01:15:42,080
Speaker 4: just saw we just covered in one hour, so imagine

1611
01:15:42,080 --> 01:15:45,519
Speaker 4: what's covered in hours of content and ebooks and different things.

1612
01:15:45,560 --> 01:15:48,839
Speaker 4: That nature so great way to you know, enhance your education.

1613
01:15:48,960 --> 01:15:53,320
Speaker 4: I saw somebody ask how was invest Fest. You must

1614
01:15:53,360 --> 01:15:58,080
Speaker 4: not have social media, because if you have any any

1615
01:15:58,120 --> 01:16:00,920
Speaker 4: form of social media, you're a No. Investments was a

1616
01:16:00,920 --> 01:16:05,320
Speaker 4: motion picture event at the highest level, at the highest level.

1617
01:16:05,439 --> 01:16:08,280
Speaker 4: Sonya was there, So I tell you.

1618
01:16:08,200 --> 01:16:12,160
Speaker 6: Something, guys. I was looking forward right first, shout out

1619
01:16:12,160 --> 01:16:14,680
Speaker 6: to the room with just yah, y'all know what. Y'all

1620
01:16:14,680 --> 01:16:17,479
Speaker 6: all right with me? So anyway, I'm looking forward and

1621
01:16:17,520 --> 01:16:20,120
Speaker 6: I and I literally was like, oh, man, probably like

1622
01:16:20,400 --> 01:16:22,840
Speaker 6: ten people come. I'll still teach the ten like it's

1623
01:16:22,880 --> 01:16:25,599
Speaker 6: a thousand, right. I turned around said, no, oh no, wait,

1624
01:16:25,680 --> 01:16:30,519
Speaker 6: I was. It was be here. Hey, it was so good.

1625
01:16:30,880 --> 01:16:32,840
Speaker 6: When the session was over, we just was like taking

1626
01:16:32,920 --> 01:16:35,360
Speaker 6: to the table and we just answered more questions as

1627
01:16:35,360 --> 01:16:37,880
Speaker 6: many as we could do. It was a It was

1628
01:16:37,920 --> 01:16:40,200
Speaker 6: just a phenomenal thing. I think you guys, I did yourself.

1629
01:16:40,200 --> 01:16:43,200
Speaker 6: And what I always love about your community and your

1630
01:16:43,479 --> 01:16:47,400
Speaker 6: conferences is that it's no it's frills, but it's people

1631
01:16:47,479 --> 01:16:49,920
Speaker 6: there that really want to get solutions and answers that

1632
01:16:50,000 --> 01:16:52,640
Speaker 6: people not there to show bode and like know that

1633
01:16:52,720 --> 01:16:56,240
Speaker 6: they're walking away with tangible answers and you're changing people lives.

1634
01:16:56,360 --> 01:16:58,719
Speaker 6: I mean, and for me here in Tyler Perry speak

1635
01:16:58,880 --> 01:17:01,680
Speaker 6: like my God like. He said something that really I

1636
01:17:01,720 --> 01:17:04,160
Speaker 6: won't go into it. He said this one thing I'm

1637
01:17:04,160 --> 01:17:06,240
Speaker 6: telling you all, this one thing that really freed me

1638
01:17:06,720 --> 01:17:09,000
Speaker 6: where I'm at personally and professionally. And he was just

1639
01:17:09,000 --> 01:17:10,600
Speaker 6: talking about going up and all this other stuff and

1640
01:17:10,600 --> 01:17:12,599
Speaker 6: I'm like, I'm going up, you.

1641
01:17:12,560 --> 01:17:15,360
Speaker 2: Know, my God Like, I just we know what you

1642
01:17:15,400 --> 01:17:15,760
Speaker 2: speak of.

1643
01:17:16,280 --> 01:17:18,920
Speaker 6: Yeah, so I came to be a blessing, but that

1644
01:17:19,080 --> 01:17:20,720
Speaker 6: was really a blessing to me. So I really am

1645
01:17:20,720 --> 01:17:23,760
Speaker 6: grateful for you guys to have him there. So just

1646
01:17:24,160 --> 01:17:26,160
Speaker 6: you guys are going to be blessed times ten and

1647
01:17:26,160 --> 01:17:28,040
Speaker 6: they're going to attribute back to your platform when they

1648
01:17:28,040 --> 01:17:31,240
Speaker 6: start getting their one thousand, one hundred thousand dollars. See

1649
01:17:31,280 --> 01:17:33,160
Speaker 6: loan that forgiven because of this class too.

1650
01:17:33,520 --> 01:17:34,840
Speaker 2: We're gonna have a loan forgiveness party.

1651
01:17:34,880 --> 01:17:36,400
Speaker 4: I appreciate it.

1652
01:17:36,439 --> 01:17:37,200
Speaker 6: I'm here for it.

1653
01:17:37,800 --> 01:17:41,880
Speaker 4: That's Tyler Perry. Situation was legendary.

1654
01:17:42,200 --> 01:17:43,000
Speaker 6: That that was good.

1655
01:17:43,680 --> 01:17:46,400
Speaker 4: Don't miss an eyl event, don't miss fashion, we don't

1656
01:17:46,400 --> 01:17:50,040
Speaker 4: miss invest Fast Europe. We're going to London on Halloween.

1657
01:17:50,080 --> 01:17:52,880
Speaker 4: That's going to be amazing. And don't miss Madison Square

1658
01:17:52,920 --> 01:17:57,480
Speaker 4: Guarden Market. Monday's at Madison Square Guarden real big yeah.

1659
01:17:58,760 --> 01:18:01,599
Speaker 6: Changing somebody's last name, that's all I'll say. You're changing

1660
01:18:01,640 --> 01:18:04,679
Speaker 6: somebody's last name. So you guys are so humble with it.

1661
01:18:04,800 --> 01:18:07,960
Speaker 6: You know, that's so awesome and amazing. But really, because

1662
01:18:08,000 --> 01:18:10,479
Speaker 6: of your platform, somebody's last name is going to be

1663
01:18:10,520 --> 01:18:12,840
Speaker 6: significant as it is for the healing, as it is

1664
01:18:12,840 --> 01:18:15,080
Speaker 6: for Walmart, because they got a chance to watch your

1665
01:18:15,560 --> 01:18:18,200
Speaker 6: your show. So really really grateful to be associated, to

1666
01:18:18,200 --> 01:18:19,840
Speaker 6: know you guys, Proud of you.

1667
01:18:20,400 --> 01:18:21,320
Speaker 4: I appreciate that.

1668
01:18:21,320 --> 01:18:26,439
Speaker 6: Thank you, Yes, yes, back of the day.

1669
01:18:27,600 --> 01:18:31,479
Speaker 4: Always always a pleasure. Thank you for your time. I

1670
01:18:31,560 --> 01:18:34,400
Speaker 4: encourage everybody to rewatch this video. It'll be on YouTube,

1671
01:18:34,439 --> 01:18:37,320
Speaker 4: It'll be on Apple and Spotify on Friday. So we

1672
01:18:37,400 --> 01:18:40,360
Speaker 4: watched this video, listen to it. Share. It's very important

1673
01:18:40,400 --> 01:18:44,840
Speaker 4: information and it's very sign time sensitive. Sign up to

1674
01:18:44,880 --> 01:18:47,759
Speaker 4: Sonya's program that just the link is in the description

1675
01:18:47,800 --> 01:18:50,080
Speaker 4: of this video. And we're running a forty eight hour

1676
01:18:50,160 --> 01:18:53,839
Speaker 4: flashel for Eyo University four ninety nine for twelve months

1677
01:18:54,120 --> 01:18:56,200
Speaker 4: and then were News at that same price. And that

1678
01:18:56,240 --> 01:18:59,320
Speaker 4: includes monthly calls with me financial planning group calls, that

1679
01:18:59,479 --> 01:19:04,599
Speaker 4: includes weekly classes just like this, that includes weekly investment

1680
01:19:04,600 --> 01:19:07,240
Speaker 4: classes with Chris. That includes the book club, the movie Club,

1681
01:19:07,720 --> 01:19:11,919
Speaker 4: access to the Facebook group, access to home buys, Blueprint

1682
01:19:12,000 --> 01:19:14,639
Speaker 4: Voume one and Volume two, and access to over two

1683
01:19:14,720 --> 01:19:19,280
Speaker 4: hundred pass classes. That's a lot. And for fashion, we're

1684
01:19:19,320 --> 01:19:21,800
Speaker 4: doing it a second day that just got added and

1685
01:19:21,800 --> 01:19:24,680
Speaker 4: that's just for Eyo University members. So we always do

1686
01:19:24,760 --> 01:19:26,519
Speaker 4: like special events and stuff like that as well. So

1687
01:19:27,360 --> 01:19:30,120
Speaker 4: start up for eight hours inter coode student. You have

1688
01:19:30,160 --> 01:19:34,320
Speaker 4: to enter colde though. The code is student intercold student

1689
01:19:34,360 --> 01:19:38,479
Speaker 4: at eyouniversity dot com. Fifty percent off for eight hour

1690
01:19:38,520 --> 01:19:41,960
Speaker 4: flash sale. Thank you guys, We'll see you next week.

1691
01:19:43,000 --> 01:19:44,960
Speaker 2: Yeah, shout shout out to the merch team.

1692
01:19:44,960 --> 01:19:46,720
Speaker 5: Shout out to the merch team, everybody that supported the

1693
01:19:46,720 --> 01:19:48,920
Speaker 5: merch obviously you know we rock Access of Liabilities.

1694
01:19:48,960 --> 01:19:50,920
Speaker 2: It's more than just the name now, it's a brand.

1695
01:19:50,960 --> 01:19:52,160
Speaker 2: So shout out to y'all.

1696
01:19:52,760 --> 01:19:55,439
Speaker 5: Fifty percent off right now with the code Investments twenty

1697
01:19:55,479 --> 01:19:57,439
Speaker 5: twenty two. Since we speaking about investments. It was a

1698
01:19:57,479 --> 01:20:00,400
Speaker 5: legendary moment and Sonya, thank you for being there because as.

1699
01:20:00,280 --> 01:20:02,840
Speaker 2: You are part of history. Not just everybody that.

1700
01:20:02,880 --> 01:20:04,479
Speaker 5: Was there in the tennis and that spoke on that

1701
01:20:04,600 --> 01:20:05,800
Speaker 5: stage and watch people speak.

1702
01:20:05,840 --> 01:20:07,679
Speaker 2: You are part of history. So shout out to y'all

1703
01:20:08,240 --> 01:20:08,960
Speaker 2: and go get some mercy.

1704
01:20:09,000 --> 01:20:09,080
Speaker 6: Man.

1705
01:20:09,120 --> 01:20:10,400
Speaker 2: Shout out to ya, everybody in the mersing.

1706
01:20:10,640 --> 01:20:13,559
Speaker 4: All right, y'all love us, love, peace, peace. So you

1707
01:20:13,600 --> 01:20:14,360
Speaker 4: have fashion Week.

1708
01:20:15,280 --> 01:20:15,479
Speaker 8: Hi.

1709
01:20:15,720 --> 01:20:18,439
Speaker 14: I'm Sherry Harris, owner of Life Source Water. As a

1710
01:20:18,479 --> 01:20:21,680
Speaker 14: new grandmother in lifelong Californian, I care about what's in

1711
01:20:21,680 --> 01:20:25,160
Speaker 14: the water my family uses every day. For over forty years,

1712
01:20:25,240 --> 01:20:28,559
Speaker 14: our whole house water system has protected Bay Area families

1713
01:20:28,600 --> 01:20:31,599
Speaker 14: with filtered water from every tap. Now we are offering

1714
01:20:31,640 --> 01:20:35,240
Speaker 14: a double dip in savings free basic installation plus an

1715
01:20:35,240 --> 01:20:37,080
Speaker 14: extra two hundred and fifty dollars off.

1716
01:20:37,240 --> 01:20:38,360
Speaker 6: That's up to twelve.

1717
01:20:38,200 --> 01:20:40,920
Speaker 14: Hundred dollars in savings. Call our factory at one eight

1718
01:20:41,000 --> 01:20:44,000
Speaker 14: hundred Water ninety nine or visit Life sourcewater dot com.

1719
01:20:44,080 --> 01:20:45,519
Speaker 14: Hurry offer in September thirty.

1720
01:20:45,640 --> 01:20:46,719
Speaker 2: Quarranty limitations apply