1 00:00:00,040 --> 00:00:03,600 Speaker 1: An illegal alien from Guatemala charged with raping a child 2 00:00:03,680 --> 00:00:07,480 Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador 3 00:00:07,720 --> 00:00:11,840 Speaker 1: accused of murdering a Texas man of Venezuelan charged with 4 00:00:11,920 --> 00:00:15,840 Speaker 1: filming and selling child pornography in Michigan. These are just 5 00:00:15,920 --> 00:00:19,680 Speaker 1: some of the heinous migrant criminals caught because of President 6 00:00:19,720 --> 00:00:23,320 Speaker 1: Donald J. Trump's leadership. I'm Christy nom the United States 7 00:00:23,320 --> 00:00:28,120 Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border 8 00:00:28,160 --> 00:00:31,680 Speaker 1: crossings are at the lowest levels ever recorded, and over 9 00:00:31,760 --> 00:00:34,960 Speaker 1: one hundred thousand illegal aliens have been arrested. If you 10 00:00:35,040 --> 00:00:38,920 Speaker 1: are here illegally, your next you will be fined nearly 11 00:00:39,000 --> 00:00:43,000 Speaker 1: one thousand dollars a day, imprisoned, and deported. You will 12 00:00:43,040 --> 00:00:46,680 Speaker 1: never return. But if you register using our CBP home 13 00:00:46,720 --> 00:00:50,120 Speaker 1: app and leave now, you could be allowed to return legally. 14 00:00:50,479 --> 00:00:55,240 Speaker 1: Do what's right. Leave now. Under President Trump, America's laws, 15 00:00:55,400 --> 00:00:57,840 Speaker 1: border and families will be protected. 16 00:00:57,920 --> 00:01:00,000 Speaker 2: Sponsored by the United States Department of Homeland Security. 17 00:01:00,200 --> 00:01:03,800 Speaker 3: So we posted last week couple weeks ago that Biden 18 00:01:04,280 --> 00:01:06,520 Speaker 3: announced to cancel more than five million dollars and student 19 00:01:06,520 --> 00:01:09,160 Speaker 3: loan debt, more money additional and a lot of people 20 00:01:09,280 --> 00:01:11,200 Speaker 3: you know they was confused. They're like, well, I don't 21 00:01:11,200 --> 00:01:14,880 Speaker 3: know anybody that has received any cancelations doing loans and 22 00:01:14,920 --> 00:01:16,559 Speaker 3: people it was like, well I actually did receive cancel 23 00:01:17,080 --> 00:01:17,760 Speaker 3: I saw the comments. 24 00:01:17,800 --> 00:01:19,000 Speaker 2: Yeah yeah, yeah, So. 25 00:01:18,920 --> 00:01:23,280 Speaker 3: What exactly what exactly happened and who actually benefits from this? 26 00:01:23,520 --> 00:01:25,280 Speaker 4: So here's what's going to happen. We're going to see 27 00:01:25,280 --> 00:01:28,520 Speaker 4: more and more headlines like five billion, five. We're going 28 00:01:28,600 --> 00:01:31,240 Speaker 4: to just see all these headlines because it's coming up. 29 00:01:31,280 --> 00:01:35,920 Speaker 4: Anybody know, election, So this is going to be the 30 00:01:36,080 --> 00:01:38,600 Speaker 4: carrot if you will, to get people to re elect 31 00:01:38,880 --> 00:01:41,200 Speaker 4: in terms of our age groups. So you figure anywhere 32 00:01:41,200 --> 00:01:44,679 Speaker 4: from like age thirty to like fifty five, the student 33 00:01:44,720 --> 00:01:47,760 Speaker 4: loan carrot is definitely going to keep being pulled. So 34 00:01:47,920 --> 00:01:50,680 Speaker 4: he did actually give out money, and I do know 35 00:01:50,760 --> 00:01:52,920 Speaker 4: from my community a lot of people been in from it. 36 00:01:53,240 --> 00:01:56,760 Speaker 4: Now let's talk about who benefited from it the most. 37 00:01:57,120 --> 00:02:01,080 Speaker 4: You probably were over age forty five. You probably were 38 00:02:01,120 --> 00:02:04,559 Speaker 4: in school like nineteen ninety five to two thousand, because 39 00:02:04,600 --> 00:02:06,880 Speaker 4: there was a time period around that type of money 40 00:02:06,880 --> 00:02:08,960 Speaker 4: that he gave out. And the term here is called 41 00:02:08,960 --> 00:02:13,120 Speaker 4: income driven repayment. They were looking to see were you 42 00:02:13,240 --> 00:02:17,040 Speaker 4: in school in repayment? For twenty twenty five years. And 43 00:02:17,080 --> 00:02:20,600 Speaker 4: then here's the thing. They even made some exclusions. Let's 44 00:02:20,600 --> 00:02:23,960 Speaker 4: say you weren't in repayment, but you had loans that 45 00:02:24,000 --> 00:02:28,600 Speaker 4: amount of time in repayment they hit for forgiven. Well, 46 00:02:28,840 --> 00:02:30,639 Speaker 4: we might get into it, but there was a big 47 00:02:30,680 --> 00:02:33,760 Speaker 4: glitch that occurred recently too. So even though they put 48 00:02:33,800 --> 00:02:35,560 Speaker 4: the headline out there about the five I think it 49 00:02:35,560 --> 00:02:38,280 Speaker 4: was billion, right, billion, we're using terms of billions. 50 00:02:38,080 --> 00:02:40,160 Speaker 3: Now we saying billions, billion, five. 51 00:02:41,840 --> 00:02:44,720 Speaker 4: The challenge is is that there were about over nine 52 00:02:44,760 --> 00:02:47,440 Speaker 4: million people left out in that last round. So this 53 00:02:47,480 --> 00:02:49,680 Speaker 4: is the first time ever that they actually made an 54 00:02:49,720 --> 00:02:53,000 Speaker 4: announcement that they messed up. I was very big with 55 00:02:53,040 --> 00:02:53,800 Speaker 4: the Department Education. 56 00:02:53,880 --> 00:02:55,160 Speaker 5: I feel like they always messing up. 57 00:02:55,480 --> 00:02:57,840 Speaker 4: Well, they actually said they did it though, So what 58 00:02:57,919 --> 00:02:59,840 Speaker 4: happened was there's literally what they did is they push it. 59 00:02:59,840 --> 00:03:02,440 Speaker 4: But it's like a real one button, and if you 60 00:03:02,639 --> 00:03:05,200 Speaker 4: qualify according to their system, you would have got the email, 61 00:03:05,240 --> 00:03:08,000 Speaker 4: you get the letter. Things go into perspective, well, a 62 00:03:08,040 --> 00:03:11,040 Speaker 4: lot of people, over nine million people got skipped because 63 00:03:11,160 --> 00:03:15,040 Speaker 4: if you had just consolidated a few years prior or 64 00:03:15,480 --> 00:03:17,440 Speaker 4: you know how all these loans are being transferred to 65 00:03:17,440 --> 00:03:21,440 Speaker 4: different lenders. The lenders aren't showing the full loan history, 66 00:03:21,520 --> 00:03:23,720 Speaker 4: so a lot of people accidentally got skipped. 67 00:03:24,200 --> 00:03:27,480 Speaker 5: So who would the lenders that that would qualify, because 68 00:03:27,480 --> 00:03:30,160 Speaker 5: I know, I mean, any federal. 69 00:03:29,960 --> 00:03:33,440 Speaker 4: Letters can qualify. But the problem is is, let's give 70 00:03:33,480 --> 00:03:35,640 Speaker 4: it a good example. You know how everybody went from 71 00:03:35,640 --> 00:03:38,040 Speaker 4: FED loans to Mohilia that was in the public service 72 00:03:38,040 --> 00:03:40,880 Speaker 4: long forgiveness. Well, just because you went over to Mohilla 73 00:03:40,920 --> 00:03:43,880 Speaker 4: doesn't mean all your history went with you. And there 74 00:03:43,960 --> 00:03:45,839 Speaker 4: used to be an old system if your education you'll 75 00:03:45,840 --> 00:03:49,440 Speaker 4: know it called NSLDS. It actually used to be open 76 00:03:49,520 --> 00:03:52,840 Speaker 4: to the public until the pandemic. We all could have 77 00:03:52,920 --> 00:03:57,040 Speaker 4: looked at everybody's loan history on that site. Colleges and 78 00:03:57,120 --> 00:04:01,040 Speaker 4: universities use it. Now it's a private side, so if 79 00:04:01,080 --> 00:04:03,920 Speaker 4: you want what's called your pre conversion record, you have 80 00:04:04,040 --> 00:04:07,960 Speaker 4: to request it from the Department of Education. Now it's 81 00:04:08,120 --> 00:04:11,839 Speaker 4: very so it's very elusive and it's actually not beneficial 82 00:04:12,200 --> 00:04:14,600 Speaker 4: to just the everyday person to be able to track 83 00:04:14,640 --> 00:04:17,200 Speaker 4: their progress. You used to contract how long you were 84 00:04:17,240 --> 00:04:20,320 Speaker 4: in for bearans for payment in school. Those are the 85 00:04:20,440 --> 00:04:23,039 Speaker 4: type of pieces of information you need to fight for 86 00:04:23,120 --> 00:04:24,960 Speaker 4: yourself to get your loans forgiven. 87 00:04:25,880 --> 00:04:29,360 Speaker 3: So okay, so how do you apply for that? 88 00:04:30,279 --> 00:04:33,760 Speaker 5: For This episode is brought to you by P and 89 00:04:33,800 --> 00:04:36,880 Speaker 5: C Bank. A lot of people think podcasts about work 90 00:04:36,920 --> 00:04:40,839 Speaker 5: are boring, and sure they definitely can be, but understanding 91 00:04:40,839 --> 00:04:43,880 Speaker 5: of professionals routine shows us how they achieve their success 92 00:04:43,960 --> 00:04:48,080 Speaker 5: little by little, day after day. It's like banking with 93 00:04:48,120 --> 00:04:50,760 Speaker 5: P and C Bank. 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Man of Venezuelan charged with 124 00:06:34,240 --> 00:06:38,120 Speaker 1: filming and selling child pornography in Michigan. These are just 125 00:06:38,240 --> 00:06:42,000 Speaker 1: some of the heinous migrant criminals caught because of President 126 00:06:42,040 --> 00:06:45,560 Speaker 1: Donald J. Trump's leadership. I'm Christy Noman, the United States 127 00:06:45,640 --> 00:06:50,400 Speaker 1: Secretary of Homeland Security under President Trump, attempted illegal border 128 00:06:50,440 --> 00:06:54,000 Speaker 1: crossings are at the lowest levels ever recorded, and over 129 00:06:54,080 --> 00:06:57,279 Speaker 1: one hundred thousand illegal aliens have been arrested. If you 130 00:06:57,360 --> 00:07:01,200 Speaker 1: were here illegally, your next you will be fine nearly 131 00:07:01,279 --> 00:07:05,320 Speaker 1: one thousand dollars a day, imprisoned and deported, you will 132 00:07:05,360 --> 00:07:09,000 Speaker 1: never return. But if you register using our CBP home 133 00:07:09,040 --> 00:07:12,400 Speaker 1: app and leave now, you could be allowed to return legally. 134 00:07:12,800 --> 00:07:17,520 Speaker 1: Do what's right, leave now. Under President Trump, America's laws, 135 00:07:17,680 --> 00:07:19,680 Speaker 1: border and families. 136 00:07:19,280 --> 00:07:21,680 Speaker 2: Will be protected sponsored by the United States Department of 137 00:07:21,720 --> 00:07:22,320 Speaker 2: Homeland Security. 138 00:07:22,600 --> 00:07:25,760 Speaker 3: Pre conversion or which part did Joe Biden what he 139 00:07:25,880 --> 00:07:26,160 Speaker 3: just did? 140 00:07:26,680 --> 00:07:28,600 Speaker 4: Okay, So if you missed it, a lot of people 141 00:07:28,600 --> 00:07:30,960 Speaker 4: missed it, Like I said, over nine million people missed it. 142 00:07:31,040 --> 00:07:33,200 Speaker 4: What you would have to do is file a complaint. 143 00:07:33,480 --> 00:07:35,680 Speaker 4: So we actually have something we're putting together and we've 144 00:07:35,720 --> 00:07:38,360 Speaker 4: been helping people one on one file a complaint. So 145 00:07:38,760 --> 00:07:40,960 Speaker 4: the cool thing about it is is that it's going 146 00:07:41,040 --> 00:07:44,040 Speaker 4: to take them about let's say three to six months 147 00:07:44,040 --> 00:07:48,960 Speaker 4: from now, with December December, so three to six months 148 00:07:49,000 --> 00:07:51,840 Speaker 4: from now, they're going to literally go through each person's complaint. 149 00:07:51,920 --> 00:07:54,800 Speaker 4: So that department is called the Obuzman Group. They'll look 150 00:07:54,840 --> 00:07:57,280 Speaker 4: through they'll say, hey, we shout out, You're right, you 151 00:07:57,320 --> 00:08:00,000 Speaker 4: should have been forgiven. We didn't see your pre conversion, 152 00:08:00,040 --> 00:08:02,400 Speaker 4: your record from prior. Some people will be so no, 153 00:08:02,600 --> 00:08:04,720 Speaker 4: let's say you were in grad school for forever. You 154 00:08:04,800 --> 00:08:09,240 Speaker 4: weren't in repayment. Then, so you have to literally submit 155 00:08:09,280 --> 00:08:12,520 Speaker 4: a complaint through student aid dot gov. Right, And it 156 00:08:12,600 --> 00:08:19,120 Speaker 4: can't be like I'm upset y'all didn't forgive me, so 157 00:08:19,120 --> 00:08:21,360 Speaker 4: they're going to close it out. It has to be 158 00:08:21,440 --> 00:08:24,600 Speaker 4: thought out, and you should even like highlight or be 159 00:08:24,720 --> 00:08:27,160 Speaker 4: prepared to say if you know which loans you believe 160 00:08:27,200 --> 00:08:29,560 Speaker 4: could be forgiven, so spend a little time on it. 161 00:08:30,200 --> 00:08:30,960 Speaker 2: Gotcha? Gotcha? 162 00:08:31,440 --> 00:08:34,480 Speaker 5: So that was for the nine million people, the biggest one. 163 00:08:34,559 --> 00:08:36,880 Speaker 5: And when you came in, you're like, try how your 164 00:08:36,880 --> 00:08:37,440 Speaker 5: loan's doing. 165 00:08:38,080 --> 00:08:39,800 Speaker 4: I just knew you was going to say they were going. 166 00:08:39,920 --> 00:08:40,679 Speaker 4: I was excited. 167 00:08:41,360 --> 00:08:43,480 Speaker 5: Well, there's some confusion around, right, because I feel like 168 00:08:43,520 --> 00:08:46,680 Speaker 5: they make a mistakes. So the public service loan forgiveness. Yes, 169 00:08:46,840 --> 00:08:48,760 Speaker 5: so there's a couple of things around it. Let's just 170 00:08:48,920 --> 00:08:50,839 Speaker 5: explain to the people again what that is. And then 171 00:08:50,880 --> 00:08:52,680 Speaker 5: I know there's a bunch of dates. So I even 172 00:08:52,720 --> 00:08:55,520 Speaker 5: I get the emails like, hey, this is expiring by 173 00:08:55,559 --> 00:08:58,400 Speaker 5: the October, so we'll start there and then we'll dive 174 00:08:58,440 --> 00:09:01,480 Speaker 5: into the some of the miss conceptions and confusion around 175 00:09:01,520 --> 00:09:02,240 Speaker 5: the public service lover. 176 00:09:02,679 --> 00:09:06,280 Speaker 4: So just depending on the audience that's watching this, most people, 177 00:09:06,360 --> 00:09:09,200 Speaker 4: I would say, just even think about your events are 178 00:09:09,280 --> 00:09:11,480 Speaker 4: between thirty and fifty. Would you say that's about right? 179 00:09:11,600 --> 00:09:11,800 Speaker 2: Yep. 180 00:09:11,840 --> 00:09:13,959 Speaker 4: So if you're between forty and fifty, you got to 181 00:09:14,000 --> 00:09:16,360 Speaker 4: be careful here. You want to log in the studenta 182 00:09:16,480 --> 00:09:18,880 Speaker 4: dot gov and you want to look at your loans 183 00:09:18,920 --> 00:09:21,120 Speaker 4: click view details, and you want to see if it 184 00:09:21,160 --> 00:09:24,520 Speaker 4: says that you have a direct loan, very important. If 185 00:09:24,559 --> 00:09:27,680 Speaker 4: you have what's called a f f ELP loan, that's 186 00:09:27,720 --> 00:09:30,400 Speaker 4: not going to work. So it has to be direct loan. 187 00:09:30,440 --> 00:09:32,800 Speaker 4: That's all you need to know. Then you'll be eligible 188 00:09:32,840 --> 00:09:36,120 Speaker 4: for any forgiveness programs coming up, even by the loan forgiveness. 189 00:09:36,280 --> 00:09:38,160 Speaker 4: But they're doing something really really I don't want to 190 00:09:38,160 --> 00:09:41,280 Speaker 4: say sneaky, but one email went out about it. If 191 00:09:41,320 --> 00:09:44,400 Speaker 4: you have an f f el P loan, you have 192 00:09:44,600 --> 00:09:46,760 Speaker 4: until December thirty first. 193 00:09:46,880 --> 00:09:50,439 Speaker 5: This year this year to apply to apply. 194 00:09:50,760 --> 00:09:54,360 Speaker 4: Or you will never get anything forgiven. This is a 195 00:09:54,360 --> 00:09:57,960 Speaker 4: heavy word to say never, okay, but the administration is 196 00:09:58,000 --> 00:10:01,240 Speaker 4: said you will never might there be using because here's 197 00:10:01,240 --> 00:10:01,920 Speaker 4: what's going to happen. 198 00:10:02,040 --> 00:10:03,280 Speaker 3: So this will come out in January. 199 00:10:03,400 --> 00:10:07,600 Speaker 4: So this is just for so okay, So if you 200 00:10:07,679 --> 00:10:13,760 Speaker 4: had watched this, you know, and I'm not to be funny, 201 00:10:13,760 --> 00:10:15,680 Speaker 4: but I would really hope that they're leaning on that 202 00:10:16,000 --> 00:10:18,599 Speaker 4: and they sometimes make extensions because I'm not trying to 203 00:10:18,640 --> 00:10:20,960 Speaker 4: be funny when I say only one email has gone 204 00:10:20,960 --> 00:10:24,679 Speaker 4: on about this. So what will happen is is if 205 00:10:24,679 --> 00:10:27,680 Speaker 4: somebody's watching this in January, good to know you will 206 00:10:27,720 --> 00:10:30,000 Speaker 4: want to if you have missed this information, you will 207 00:10:30,040 --> 00:10:33,480 Speaker 4: want to contact the Department Education, not your lender, and 208 00:10:33,520 --> 00:10:36,280 Speaker 4: see if there's any way that you can get an extension. Now, 209 00:10:36,559 --> 00:10:39,560 Speaker 4: what might happen, which is important to note go to 210 00:10:39,559 --> 00:10:42,040 Speaker 4: student A dot got for this update. There may be 211 00:10:42,080 --> 00:10:45,040 Speaker 4: an extension given because when we look at the data, 212 00:10:45,120 --> 00:10:48,000 Speaker 4: that's over ten million people, and we know that there's 213 00:10:48,040 --> 00:10:50,520 Speaker 4: forty three million barbers. Ten million are going to be 214 00:10:50,559 --> 00:10:52,800 Speaker 4: excluded from forgiveness forever because of their will. 215 00:10:52,920 --> 00:10:56,559 Speaker 1: An illegal alien from Guatemala charged with raping a child 216 00:10:56,600 --> 00:11:01,160 Speaker 1: in Massachusetts. An MS thirteen gang member from Elsu accused 217 00:11:01,200 --> 00:11:05,240 Speaker 1: of murdering a Texas man of Venezuelan charged with filming 218 00:11:05,320 --> 00:11:09,080 Speaker 1: and selling child pornography in Michigan. These are just some 219 00:11:09,240 --> 00:11:13,080 Speaker 1: of the heinous migrant criminals caught because of President Donald J. 220 00:11:13,160 --> 00:11:16,920 Speaker 1: Trump's leadership. I'm Christy Noman, the United States Secretary of 221 00:11:16,960 --> 00:11:21,760 Speaker 1: Homeland Security. Under President Trump, attempted illegal border crossings are 222 00:11:21,800 --> 00:11:25,200 Speaker 1: at the lowest levels ever recorded, and over one hundred 223 00:11:25,200 --> 00:11:29,120 Speaker 1: thousand illegal aliens have been arrested. If you are here illegally, 224 00:11:29,600 --> 00:11:32,920 Speaker 1: your next you will be fined nearly one thousand dollars 225 00:11:32,960 --> 00:11:37,080 Speaker 1: a day, imprisoned, and deported. You will never return. But 226 00:11:37,160 --> 00:11:40,720 Speaker 1: if you register using our CBP home app and leave now, 227 00:11:41,080 --> 00:11:44,200 Speaker 1: you could be allowed to return legally. Do what's right. 228 00:11:44,760 --> 00:11:49,719 Speaker 1: Leave now. Under President Trump, America's laws, border and families 229 00:11:49,920 --> 00:11:50,720 Speaker 1: will be protected. 230 00:11:50,840 --> 00:11:52,959 Speaker 2: Sponsored by the United States Department of Homeland Security.