WEBVTT - Study Hall: Understanding Biden's Student Loan Forgiveness Program

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<v Speaker 1>An illegal alien from Guatemala charged with raping a child

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<v Speaker 1>in Massachusetts. An MS thirteen gang member from Al Salvador

0:00:07.720 --> 0:00:11.840
<v Speaker 1>accused of murdering a Texas man of Venezuelan charged with

0:00:11.920 --> 0:00:15.840
<v Speaker 1>filming and selling child pornography in Michigan. These are just

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<v Speaker 1>some of the heinous migrant criminals caught because of President

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<v Speaker 1>Donald J. Trump's leadership. I'm Christy nom the United States

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<v Speaker 1>Secretary of Homeland Security. Under President Trump, attempted illegal border

0:00:28.160 --> 0:00:31.680
<v Speaker 1>crossings are at the lowest levels ever recorded, and over

0:00:31.760 --> 0:00:34.960
<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

0:00:35.040 --> 0:00:38.920
<v Speaker 1>are here illegally, your next you will be fined nearly

0:00:39.000 --> 0:00:43.000
<v Speaker 1>one thousand dollars a day, imprisoned, and deported. You will

0:00:43.040 --> 0:00:46.680
<v Speaker 1>never return. But if you register using our CBP home

0:00:46.720 --> 0:00:50.120
<v Speaker 1>app and leave now, you could be allowed to return legally.

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<v Speaker 1>Do what's right. Leave now. Under President Trump, America's laws,

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<v Speaker 1>border and families will be protected.

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<v Speaker 2>Sponsored by the United States Department of Homeland Security.

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<v Speaker 3>So we posted last week couple weeks ago that Biden

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<v Speaker 3>announced to cancel more than five million dollars and student

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<v Speaker 3>loan debt, more money additional and a lot of people

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<v Speaker 3>you know they was confused. They're like, well, I don't

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<v Speaker 3>know anybody that has received any cancelations doing loans and

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<v Speaker 3>people it was like, well I actually did receive cancel

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<v Speaker 3>I saw the comments.

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<v Speaker 2>Yeah yeah, yeah, So.

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<v Speaker 3>What exactly what exactly happened and who actually benefits from this?

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<v Speaker 4>So here's what's going to happen. We're going to see

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<v Speaker 4>more and more headlines like five billion, five. We're going

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<v Speaker 4>to just see all these headlines because it's coming up.

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<v Speaker 4>Anybody know, election, So this is going to be the

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<v Speaker 4>carrot if you will, to get people to re elect

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<v Speaker 4>in terms of our age groups. So you figure anywhere

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<v Speaker 4>from like age thirty to like fifty five, the student

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<v Speaker 4>loan carrot is definitely going to keep being pulled. So

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<v Speaker 4>he did actually give out money, and I do know

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<v Speaker 4>from my community a lot of people been in from it.

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<v Speaker 4>Now let's talk about who benefited from it the most.

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<v Speaker 4>You probably were over age forty five. You probably were

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<v Speaker 4>in school like nineteen ninety five to two thousand, because

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<v Speaker 4>there was a time period around that type of money

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<v Speaker 4>that he gave out. And the term here is called

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<v Speaker 4>income driven repayment. They were looking to see were you

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<v Speaker 4>in school in repayment? For twenty twenty five years. And

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<v Speaker 4>then here's the thing. They even made some exclusions. Let's

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<v Speaker 4>say you weren't in repayment, but you had loans that

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<v Speaker 4>amount of time in repayment they hit for forgiven. Well,

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<v Speaker 4>we might get into it, but there was a big

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<v Speaker 4>glitch that occurred recently too. So even though they put

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<v Speaker 4>the headline out there about the five I think it

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<v Speaker 4>was billion, right, billion, we're using terms of billions.

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<v Speaker 3>Now we saying billions, billion, five.

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<v Speaker 4>The challenge is is that there were about over nine

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<v Speaker 4>million people left out in that last round. So this

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<v Speaker 4>is the first time ever that they actually made an

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<v Speaker 4>announcement that they messed up. I was very big with

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<v Speaker 4>the Department Education.

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<v Speaker 5>I feel like they always messing up.

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<v Speaker 4>Well, they actually said they did it though, So what

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<v Speaker 4>happened was there's literally what they did is they push it.

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<v Speaker 4>But it's like a real one button, and if you

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<v Speaker 4>qualify according to their system, you would have got the email,

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<v Speaker 4>you get the letter. Things go into perspective, well, a

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<v Speaker 4>lot of people, over nine million people got skipped because

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<v Speaker 4>if you had just consolidated a few years prior or

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<v Speaker 4>you know how all these loans are being transferred to

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<v Speaker 4>different lenders. The lenders aren't showing the full loan history,

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<v Speaker 4>so a lot of people accidentally got skipped.

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<v Speaker 5>So who would the lenders that that would qualify, because

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<v Speaker 5>I know, I mean, any federal.

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<v Speaker 4>Letters can qualify. But the problem is is, let's give

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<v Speaker 4>it a good example. You know how everybody went from

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<v Speaker 4>FED loans to Mohilia that was in the public service

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<v Speaker 4>long forgiveness. Well, just because you went over to Mohilla

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<v Speaker 4>doesn't mean all your history went with you. And there

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<v Speaker 4>used to be an old system if your education you'll

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<v Speaker 4>know it called NSLDS. It actually used to be open

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<v Speaker 4>to the public until the pandemic. We all could have

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<v Speaker 4>looked at everybody's loan history on that site. Colleges and

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<v Speaker 4>universities use it. Now it's a private side, so if

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<v Speaker 4>you want what's called your pre conversion record, you have

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<v Speaker 4>to request it from the Department of Education. Now it's

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<v Speaker 4>very so it's very elusive and it's actually not beneficial

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<v Speaker 4>to just the everyday person to be able to track

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<v Speaker 4>their progress. You used to contract how long you were

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<v Speaker 4>in for bearans for payment in school. Those are the

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<v Speaker 4>type of pieces of information you need to fight for

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<v Speaker 4>yourself to get your loans forgiven.

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<v Speaker 3>So okay, so how do you apply for that?

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<v Speaker 1>An illegal alien from Guatemala charged with raping a child

0:06:26.000 --> 0:06:29.800
<v Speaker 1>in Massachusetts. An MS thirteen gang member from Al Salvador

0:06:30.040 --> 0:06:34.159
<v Speaker 1>accused of murdering a Texas. Man of Venezuelan charged with

0:06:34.240 --> 0:06:38.120
<v Speaker 1>filming and selling child pornography in Michigan. These are just

0:06:38.240 --> 0:06:42.000
<v Speaker 1>some of the heinous migrant criminals caught because of President

0:06:42.040 --> 0:06:45.560
<v Speaker 1>Donald J. Trump's leadership. I'm Christy Noman, the United States

0:06:45.640 --> 0:06:50.400
<v Speaker 1>Secretary of Homeland Security under President Trump, attempted illegal border

0:06:50.440 --> 0:06:54.000
<v Speaker 1>crossings are at the lowest levels ever recorded, and over

0:06:54.080 --> 0:06:57.279
<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

0:06:57.360 --> 0:07:01.200
<v Speaker 1>were here illegally, your next you will be fine nearly

0:07:01.279 --> 0:07:05.320
<v Speaker 1>one thousand dollars a day, imprisoned and deported, you will

0:07:05.360 --> 0:07:09.000
<v Speaker 1>never return. But if you register using our CBP home

0:07:09.040 --> 0:07:12.400
<v Speaker 1>app and leave now, you could be allowed to return legally.

0:07:12.800 --> 0:07:17.520
<v Speaker 1>Do what's right, leave now. Under President Trump, America's laws,

0:07:17.680 --> 0:07:19.680
<v Speaker 1>border and families.

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<v Speaker 2>Will be protected sponsored by the United States Department of

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<v Speaker 2>Homeland Security.

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<v Speaker 3>Pre conversion or which part did Joe Biden what he

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<v Speaker 3>just did?

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<v Speaker 4>Okay, So if you missed it, a lot of people

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<v Speaker 4>missed it, Like I said, over nine million people missed it.

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<v Speaker 4>What you would have to do is file a complaint.

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<v Speaker 4>So we actually have something we're putting together and we've

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<v Speaker 4>been helping people one on one file a complaint. So

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<v Speaker 4>the cool thing about it is is that it's going

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<v Speaker 4>to take them about let's say three to six months

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<v Speaker 4>from now, with December December, so three to six months

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<v Speaker 4>from now, they're going to literally go through each person's complaint.

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<v Speaker 4>So that department is called the Obuzman Group. They'll look

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<v Speaker 4>through they'll say, hey, we shout out, You're right, you

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<v Speaker 4>should have been forgiven. We didn't see your pre conversion,

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<v Speaker 4>your record from prior. Some people will be so no,

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<v Speaker 4>let's say you were in grad school for forever. You

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<v Speaker 4>weren't in repayment. Then, so you have to literally submit

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<v Speaker 4>a complaint through student aid dot gov. Right, And it

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<v Speaker 4>can't be like I'm upset y'all didn't forgive me, so

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<v Speaker 4>they're going to close it out. It has to be

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<v Speaker 4>thought out, and you should even like highlight or be

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<v Speaker 4>prepared to say if you know which loans you believe

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<v Speaker 4>could be forgiven, so spend a little time on it.

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<v Speaker 2>Gotcha? Gotcha?

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<v Speaker 5>So that was for the nine million people, the biggest one.

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<v Speaker 5>And when you came in, you're like, try how your

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<v Speaker 5>loan's doing.

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<v Speaker 4>I just knew you was going to say they were going.

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<v Speaker 4>I was excited.

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<v Speaker 5>Well, there's some confusion around, right, because I feel like

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<v Speaker 5>they make a mistakes. So the public service loan forgiveness. Yes,

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<v Speaker 5>so there's a couple of things around it. Let's just

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<v Speaker 5>explain to the people again what that is. And then

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<v Speaker 5>I know there's a bunch of dates. So I even

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<v Speaker 5>I get the emails like, hey, this is expiring by

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<v Speaker 5>the October, so we'll start there and then we'll dive

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<v Speaker 5>into the some of the miss conceptions and confusion around

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<v Speaker 5>the public service lover.

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<v Speaker 4>So just depending on the audience that's watching this, most people,

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<v Speaker 4>I would say, just even think about your events are

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<v Speaker 4>between thirty and fifty. Would you say that's about right?

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<v Speaker 2>Yep.

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<v Speaker 4>So if you're between forty and fifty, you got to

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<v Speaker 4>be careful here. You want to log in the studenta

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<v Speaker 4>dot gov and you want to look at your loans

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<v Speaker 4>click view details, and you want to see if it

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<v Speaker 4>says that you have a direct loan, very important. If

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<v Speaker 4>you have what's called a f f ELP loan, that's

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<v Speaker 4>not going to work. So it has to be direct loan.

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<v Speaker 4>That's all you need to know. Then you'll be eligible

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<v Speaker 4>for any forgiveness programs coming up, even by the loan forgiveness.

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<v Speaker 4>But they're doing something really really I don't want to

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<v Speaker 4>say sneaky, but one email went out about it. If

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<v Speaker 4>you have an f f el P loan, you have

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<v Speaker 4>until December thirty first.

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<v Speaker 5>This year this year to apply to apply.

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<v Speaker 4>Or you will never get anything forgiven. This is a

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<v Speaker 4>heavy word to say never, okay, but the administration is

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<v Speaker 4>said you will never might there be using because here's

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<v Speaker 4>what's going to happen.

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<v Speaker 3>So this will come out in January.

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<v Speaker 4>So this is just for so okay, So if you

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<v Speaker 4>had watched this, you know, and I'm not to be funny,

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<v Speaker 4>but I would really hope that they're leaning on that

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<v Speaker 4>and they sometimes make extensions because I'm not trying to

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<v Speaker 4>be funny when I say only one email has gone

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<v Speaker 4>on about this. So what will happen is is if

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<v Speaker 4>somebody's watching this in January, good to know you will

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<v Speaker 4>want to if you have missed this information, you will

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<v Speaker 4>want to contact the Department Education, not your lender, and

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<v Speaker 4>see if there's any way that you can get an extension. Now,

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<v Speaker 4>what might happen, which is important to note go to

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<v Speaker 4>student A dot got for this update. There may be

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<v Speaker 4>an extension given because when we look at the data,

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<v Speaker 4>that's over ten million people, and we know that there's

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<v Speaker 4>forty three million barbers. Ten million are going to be

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<v Speaker 4>excluded from forgiveness forever because of their will.

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<v Speaker 1>An illegal alien from Guatemala charged with raping a child

0:10:56.600 --> 0:11:01.160
<v Speaker 1>in Massachusetts. An MS thirteen gang member from Elsu accused

0:11:01.200 --> 0:11:05.240
<v Speaker 1>of murdering a Texas man of Venezuelan charged with filming

0:11:05.320 --> 0:11:09.080
<v Speaker 1>and selling child pornography in Michigan. These are just some

0:11:09.240 --> 0:11:13.080
<v Speaker 1>of the heinous migrant criminals caught because of President Donald J.

0:11:13.160 --> 0:11:16.920
<v Speaker 1>Trump's leadership. I'm Christy Noman, the United States Secretary of

0:11:16.960 --> 0:11:21.760
<v Speaker 1>Homeland Security. Under President Trump, attempted illegal border crossings are

0:11:21.800 --> 0:11:25.200
<v Speaker 1>at the lowest levels ever recorded, and over one hundred

0:11:25.200 --> 0:11:29.120
<v Speaker 1>thousand illegal aliens have been arrested. If you are here illegally,

0:11:29.600 --> 0:11:32.920
<v Speaker 1>your next you will be fined nearly one thousand dollars

0:11:32.960 --> 0:11:37.080
<v Speaker 1>a day, imprisoned, and deported. You will never return. But

0:11:37.160 --> 0:11:40.720
<v Speaker 1>if you register using our CBP home app and leave now,

0:11:41.080 --> 0:11:44.200
<v Speaker 1>you could be allowed to return legally. Do what's right.

0:11:44.760 --> 0:11:49.719
<v Speaker 1>Leave now. Under President Trump, America's laws, border and families

0:11:49.920 --> 0:11:50.720
<v Speaker 1>will be protected.

0:11:50.840 --> 0:11:52.959
<v Speaker 2>Sponsored by the United States Department of Homeland Security.