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 00:01:00,160 --> 00:01:07,600 Speaker 3: President Biden he announced the Student Loan Relief or student 18 00:01:07,640 --> 00:01:12,240 Speaker 3: loan forgiveness, and a lot of people still aren't really 19 00:01:12,319 --> 00:01:15,760 Speaker 3: sure about what it really means because they know the 20 00:01:15,800 --> 00:01:21,080 Speaker 3: federal the Supreme Court rejected a larger plan last week, 21 00:01:21,160 --> 00:01:23,399 Speaker 3: but they were still able to actually get something through. 22 00:01:24,000 --> 00:01:27,360 Speaker 3: And people want to know, am I eligible? What does 23 00:01:27,400 --> 00:01:31,840 Speaker 3: this mean for me personally? Is this going to affect me? 24 00:01:32,680 --> 00:01:37,400 Speaker 3: So what's your thoughts and what happened with this student 25 00:01:37,440 --> 00:01:38,640 Speaker 3: loan relief situation. 26 00:01:40,360 --> 00:01:43,640 Speaker 4: So, based on the most recent announcement, if you were 27 00:01:43,680 --> 00:01:49,200 Speaker 4: on an income based repayment plan and you've been paying 28 00:01:49,240 --> 00:01:52,240 Speaker 4: your student loans off for the last twenty years or 29 00:01:52,280 --> 00:01:56,360 Speaker 4: twenty five years, depending upon the plan, your student loans 30 00:01:56,400 --> 00:01:59,960 Speaker 4: are about to be forgiven in the next month, out 31 00:02:00,120 --> 00:02:03,720 Speaker 4: right done forgiven. That's going to impact eight hundred and 32 00:02:03,760 --> 00:02:06,920 Speaker 4: four or eight hundred and three thousand Americans across the country. 33 00:02:07,280 --> 00:02:10,120 Speaker 4: We're still gathering the numbers in terms of how many 34 00:02:11,120 --> 00:02:16,280 Speaker 4: impacts in our district. We are still also seeking clarity 35 00:02:16,520 --> 00:02:20,200 Speaker 4: to find out if you were making payments for twenty 36 00:02:20,280 --> 00:02:24,239 Speaker 4: years but not part of an income based repayment plan, 37 00:02:24,880 --> 00:02:27,760 Speaker 4: are you going to be eligible? I believe the short 38 00:02:27,800 --> 00:02:30,640 Speaker 4: answer is yes to that, but I still need to 39 00:02:30,639 --> 00:02:35,320 Speaker 4: get clarity on that. So that's what that recent announcement meant, 40 00:02:35,360 --> 00:02:39,080 Speaker 4: which is obviously a huge, huge deal based on the 41 00:02:39,120 --> 00:02:44,680 Speaker 4: Supreme Court shooting down the president's more ambitious plan which 42 00:02:44,720 --> 00:02:48,519 Speaker 4: would have had a tremendous impact on many more borrowers. 43 00:02:49,080 --> 00:02:52,520 Speaker 4: And the Supreme Court decision there was bs and we'll 44 00:02:52,560 --> 00:02:54,440 Speaker 4: get into that hopefully because I want to talk a 45 00:02:54,480 --> 00:02:55,760 Speaker 4: little bit about that as well. 46 00:02:56,400 --> 00:02:59,240 Speaker 5: Yeah, I mean, let's go there, right, because the original 47 00:02:59,280 --> 00:03:02,360 Speaker 5: plan was with thirty seven million people to be impacted 48 00:03:02,400 --> 00:03:06,960 Speaker 5: by student no forgiveness. I was sitting here waiting. We 49 00:03:07,040 --> 00:03:10,040 Speaker 5: know that the payment are going to start. Payments are 50 00:03:10,040 --> 00:03:12,720 Speaker 5: going to start being reactive in the next couple of months, 51 00:03:12,720 --> 00:03:14,600 Speaker 5: and so people are looking at that from an economical 52 00:03:14,639 --> 00:03:16,639 Speaker 5: standpoint like that, we haven't paid in three years now. 53 00:03:16,639 --> 00:03:18,760 Speaker 5: This is another thing that we have to add to 54 00:03:19,639 --> 00:03:23,280 Speaker 5: our payments on our monthly basis. So what happened there? 55 00:03:23,360 --> 00:03:25,880 Speaker 5: Thirty seven million, eight hundred thousand people are going to 56 00:03:25,919 --> 00:03:27,959 Speaker 5: be impacted by the recent ruin, but there's that big 57 00:03:27,960 --> 00:03:29,200 Speaker 5: gap of almost thirty six million. 58 00:03:29,200 --> 00:03:30,200 Speaker 2: People were looking. 59 00:03:30,040 --> 00:03:32,400 Speaker 5: At it like what happened? We had an opportunity to 60 00:03:32,440 --> 00:03:35,360 Speaker 5: help our economy by relieving some debt and having people 61 00:03:35,440 --> 00:03:38,000 Speaker 5: have disposal income that they could potentially invest in real 62 00:03:38,080 --> 00:03:39,080 Speaker 5: estate and other things. 63 00:03:39,440 --> 00:03:41,640 Speaker 4: Yeah, first of all, I want to say we should 64 00:03:41,680 --> 00:03:45,720 Speaker 4: give President Biden credit for continuing the pause over these 65 00:03:45,800 --> 00:03:48,760 Speaker 4: last few years. I know we go after Biden for 66 00:03:48,880 --> 00:03:51,680 Speaker 4: a lot of issues, as we should, but definitely given 67 00:03:51,760 --> 00:03:55,000 Speaker 4: credit because this pause it was started under the Trump administration, 68 00:03:55,120 --> 00:03:58,440 Speaker 4: but Biden continued it for an additional couple of years, 69 00:03:58,440 --> 00:04:02,000 Speaker 4: so that put more money in people's every month for 70 00:04:02,040 --> 00:04:03,880 Speaker 4: the last couple of years. Let's give him credit for that. 71 00:04:04,280 --> 00:04:09,960 Speaker 4: So this case, first of all, there's something called the 72 00:04:10,200 --> 00:04:13,920 Speaker 4: Heroes Act that Congress passed in two thousand and three, 73 00:04:14,520 --> 00:04:19,720 Speaker 4: which in response to a national emergency, gives the Secretary 74 00:04:19,800 --> 00:04:25,159 Speaker 4: of Education latitude and the power to waive or forgive 75 00:04:25,640 --> 00:04:29,840 Speaker 4: a student loans or provide some sort of redress so 76 00:04:29,880 --> 00:04:33,320 Speaker 4: that we are not harming borrowers during a national emergency. 77 00:04:33,760 --> 00:04:37,800 Speaker 4: This was initially something like this was initially done during 78 00:04:37,800 --> 00:04:41,480 Speaker 4: the Gulf War where people who were off to war 79 00:04:41,480 --> 00:04:43,160 Speaker 4: and the nation was in the middle of a war. 80 00:04:44,000 --> 00:04:46,600 Speaker 4: You know, we didn't want to you know, hurt borrows 81 00:04:46,640 --> 00:04:49,760 Speaker 4: at that time, so Congress passed legislation to give the 82 00:04:49,839 --> 00:04:53,880 Speaker 4: Secretary of Education opportunity to waive payments or reduce payments 83 00:04:53,960 --> 00:04:56,880 Speaker 4: during that time. It was repeated after nine to eleven. 84 00:04:57,279 --> 00:04:59,840 Speaker 4: We all remember what was going on during nine to eleven. 85 00:05:00,120 --> 00:05:02,320 Speaker 4: After that that led to the war in Afghanistan and 86 00:05:02,360 --> 00:05:07,159 Speaker 4: the Iraq War. There was a reprieve that occurred during 87 00:05:07,200 --> 00:05:09,280 Speaker 4: that time. But in two thousand and three, Congress said, 88 00:05:09,279 --> 00:05:12,400 Speaker 4: you know what, we need a piece of legislation that 89 00:05:12,520 --> 00:05:16,440 Speaker 4: gives the Secretary the power to respond to any national emergency. 90 00:05:16,680 --> 00:05:22,120 Speaker 4: So Congress passed the Heroes Act. So under the jurisdiction 91 00:05:22,200 --> 00:05:25,320 Speaker 4: of the Heroes Act, the Secretary of Education has the 92 00:05:25,400 --> 00:05:28,560 Speaker 4: power and the President has the power to waive or 93 00:05:28,720 --> 00:05:35,440 Speaker 4: cancel student debt. The Supreme Court argued against this based 94 00:05:35,520 --> 00:05:40,000 Speaker 4: on an argument that came from a party that isn't 95 00:05:40,080 --> 00:05:43,039 Speaker 4: even harmed by the cancellation of the debt. 96 00:05:43,120 --> 00:05:46,400 Speaker 5: And this episode is brought to you by P and 97 00:05:46,440 --> 00:05:49,520 Speaker 5: C Bank. A lot of people think podcasts about work 98 00:05:49,560 --> 00:05:53,479 Speaker 5: are boring, and sure, they definitely can be, But understanding 99 00:05:53,520 --> 00:05:56,520 Speaker 5: a professionals routine shows us how they achieve their success 100 00:05:56,600 --> 00:06:00,719 Speaker 5: little by little, day after day. 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Let's square handle the 127 00:07:30,200 --> 00:07:32,680 Speaker 5: back end so you can keep pushing your vision forward. 128 00:07:34,920 --> 00:07:38,600 Speaker 1: An illegal alien from Guatemala charged with raping a child 129 00:07:38,640 --> 00:07:42,440 Speaker 1: in Massachusetts. An MS thirteen gang member from El Salvador 130 00:07:42,680 --> 00:07:46,800 Speaker 1: accused of murdering a Texas man of Venezuelan charged with 131 00:07:46,880 --> 00:07:50,760 Speaker 1: filming and selling child pornography in Michigan. These are just 132 00:07:50,880 --> 00:07:54,640 Speaker 1: some of the heinous migrant criminals caught because of President 133 00:07:54,680 --> 00:07:58,840 Speaker 1: Donald J. Trump's leadership. I'm Christinem, the United States Secretary 134 00:07:58,880 --> 00:08:03,640 Speaker 1: of Homeland Security. Under President Trump, attempted illegal border crossings 135 00:08:03,680 --> 00:08:06,880 Speaker 1: are at the lowest levels ever recorded, and over one 136 00:08:06,920 --> 00:08:08,960 Speaker 1: hundred thousand illegal aliens. 137 00:08:08,520 --> 00:08:09,360 Speaker 2: Have been arrested. 138 00:08:09,640 --> 00:08:13,160 Speaker 1: If you are here illegally, you're next. You will be 139 00:08:13,240 --> 00:08:17,080 Speaker 1: fine nearly one thousand dollars a day, imprisoned and deported, 140 00:08:17,560 --> 00:08:20,800 Speaker 1: you will never return. But if you register using our 141 00:08:20,840 --> 00:08:24,040 Speaker 1: CBP home app and leave now, you could be allowed 142 00:08:24,040 --> 00:08:29,040 Speaker 1: to return legally. Do what's right. Leave now. Under President Trump, 143 00:08:29,200 --> 00:08:32,280 Speaker 1: America's laws, border and families will. 144 00:08:32,160 --> 00:08:35,000 Speaker 2: Be protected sponsored by the United States Department of Homeland Security. 145 00:08:35,040 --> 00:08:37,199 Speaker 4: That's a key point here. In order for you to 146 00:08:37,320 --> 00:08:40,960 Speaker 4: argue a case in front of the Supreme Court, you 147 00:08:41,080 --> 00:08:44,320 Speaker 4: have to be able to express harm at a party. 148 00:08:44,360 --> 00:08:46,160 Speaker 4: You have to be a party that was harmed by 149 00:08:46,240 --> 00:08:51,760 Speaker 4: something in order to argue the case. The state of Michigan, Missouri, 150 00:08:51,760 --> 00:08:57,760 Speaker 4: excuse me, argued on behalf of a third party in 151 00:08:57,800 --> 00:09:03,280 Speaker 4: this case, expressing harm based on the president of forgivenness debt, 152 00:09:03,520 --> 00:09:06,760 Speaker 4: which is complete nonsense. The third party that they argued for, 153 00:09:07,240 --> 00:09:11,360 Speaker 4: Mohela is the name of the company, was not even 154 00:09:11,400 --> 00:09:14,480 Speaker 4: involved in a lawsuit at all, and the Supreme Court 155 00:09:14,520 --> 00:09:17,080 Speaker 4: shouldn't have heard the case. They still heard the case anyway, 156 00:09:17,559 --> 00:09:22,160 Speaker 4: heard the case, heard the arguments, decided in favor of 157 00:09:22,480 --> 00:09:25,120 Speaker 4: mohela third party who wasn't even involved in the case, 158 00:09:25,320 --> 00:09:28,520 Speaker 4: and shot down the president's cancelation of ten thousand for 159 00:09:28,640 --> 00:09:31,520 Speaker 4: individuals making up to one hundred and fifty thousand and 160 00:09:31,640 --> 00:09:35,120 Speaker 4: twenty thousand for lower income people. So a huge blow. 161 00:09:35,840 --> 00:09:40,000 Speaker 4: But the President is pursuing another avenue called the Higher 162 00:09:40,160 --> 00:09:43,680 Speaker 4: Education Act, which he's saying is going to take longer, 163 00:09:44,400 --> 00:09:47,000 Speaker 4: but is another possibility. Well, I think he should do. 164 00:09:47,120 --> 00:09:48,720 Speaker 4: Let me just close on this and sorry for the 165 00:09:48,760 --> 00:09:52,319 Speaker 4: long answer. I think he should just cancel the teny 166 00:09:52,480 --> 00:09:56,600 Speaker 4: twenty thousand outright and force the Supreme Court to figure 167 00:09:56,600 --> 00:10:00,199 Speaker 4: out a way to force people to pay back to 168 00:10:00,360 --> 00:10:03,760 Speaker 4: the program after the president cancels it. But this president 169 00:10:04,000 --> 00:10:06,760 Speaker 4: is an institutionalist, so he's not used to doing things 170 00:10:06,760 --> 00:10:09,520 Speaker 4: that way. The state of emergency, I think provides him 171 00:10:09,559 --> 00:10:10,760 Speaker 4: the opportunity to do that. 172 00:10:12,559 --> 00:10:17,200 Speaker 6: For the constituents that you're representing. For the audience here, 173 00:10:18,280 --> 00:10:21,679 Speaker 6: since there has been some talk about student loans being 174 00:10:21,679 --> 00:10:24,200 Speaker 6: an asset that has traded kind of like mortgage backed 175 00:10:24,200 --> 00:10:26,240 Speaker 6: securities in two thousand and seven, in two thousand and eight, 176 00:10:27,960 --> 00:10:32,559 Speaker 6: will we ever see twenty million, thirty million loans. 177 00:10:32,240 --> 00:10:33,160 Speaker 2: Just eradicate it? 178 00:10:33,720 --> 00:10:35,600 Speaker 6: Or is it will to be like a tiered system 179 00:10:35,640 --> 00:10:37,720 Speaker 6: of maybe like a maximum of a million to two million, 180 00:10:37,760 --> 00:10:40,520 Speaker 6: Because when I talk to people, the sentiment is, well, 181 00:10:40,559 --> 00:10:43,120 Speaker 6: they're just trying to do this to get votes and 182 00:10:43,160 --> 00:10:46,360 Speaker 6: it's never going to pass. Is there any perfect utopian 183 00:10:46,440 --> 00:10:50,640 Speaker 6: situation where twenty million, thirty million people may get relief 184 00:10:50,720 --> 00:10:52,520 Speaker 6: from having these loans off their back. 185 00:10:53,679 --> 00:10:58,640 Speaker 4: Yes, there is. But our democracy is what we make it. 186 00:10:59,679 --> 00:11:04,200 Speaker 4: I need to emphasize that point. The previous president, Donald 187 00:11:04,280 --> 00:11:09,600 Speaker 4: Trump chose three Supreme Court justices because he had the 188 00:11:09,640 --> 00:11:12,800 Speaker 4: ability to do that because he was elected. Now, the 189 00:11:12,840 --> 00:11:16,400 Speaker 4: Supreme Court is ultra conservative, so you are going to 190 00:11:16,880 --> 00:11:20,480 Speaker 4: see the Supreme Court siding less with policies that we 191 00:11:20,520 --> 00:11:25,880 Speaker 4: all care about, like canceling student debt, like Affirmative Act, 192 00:11:26,960 --> 00:11:32,040 Speaker 4: like voting rights. So I cannot emphasize enough how important 193 00:11:32,160 --> 00:11:35,719 Speaker 4: elections are because the president decides who goes into the 194 00:11:35,760 --> 00:11:38,560 Speaker 4: Supreme Court. Now, taking a step back, it's not just 195 00:11:38,640 --> 00:11:41,280 Speaker 4: about the Supreme Court. It's about who we elected, who 196 00:11:41,280 --> 00:11:44,120 Speaker 4: we elected to Congress, and who we elected to the Senate. 197 00:11:44,720 --> 00:11:47,520 Speaker 4: Because if you have the wrong people in no seats, 198 00:11:47,559 --> 00:11:51,160 Speaker 4: which we currently have right now, then we are not 199 00:11:51,200 --> 00:11:54,440 Speaker 4: going to write or pass any legislation that is going 200 00:11:54,480 --> 00:11:58,640 Speaker 4: to do what you're talking about. Everyone knows the student 201 00:11:58,800 --> 00:12:07,600 Speaker 4: loan program is corrupt, it's it's predatory, and it has 202 00:12:08,480 --> 00:12:11,679 Speaker 4: been designed in a way that harms borrowers more than 203 00:12:11,679 --> 00:12:14,960 Speaker 4: it helps them. Because listen, many of us know we 204 00:12:15,080 --> 00:12:17,800 Speaker 4: were raised to go to college. Right you're going to college, 205 00:12:17,800 --> 00:12:20,080 Speaker 4: going go to college. Many of us come from families 206 00:12:20,080 --> 00:12:21,880 Speaker 4: where we don't know what it takes to go to college. 207 00:12:22,080 --> 00:12:23,480 Speaker 4: All of a sudden, you get to college, you can't 208 00:12:23,480 --> 00:12:26,240 Speaker 4: afford it. They dangle this loan in front of you. You, 209 00:12:26,360 --> 00:12:28,080 Speaker 4: thank god, I'll take out the loan. I'm gonna get 210 00:12:28,120 --> 00:12:30,840 Speaker 4: a job anyway with this degree, so I'm gonna be good. 211 00:12:30,840 --> 00:12:33,120 Speaker 4: I'll pay it back. You take out the loan, you 212 00:12:33,120 --> 00:12:36,320 Speaker 4: don't really understand an interest rates, you don't get the 213 00:12:36,440 --> 00:12:39,760 Speaker 4: job that you expected, you're unemployed or you're underemployed. And 214 00:12:39,800 --> 00:12:43,280 Speaker 4: then when you try to call these these these third 215 00:12:43,280 --> 00:12:46,360 Speaker 4: party companies that work with the Department of Education for 216 00:12:46,520 --> 00:12:51,880 Speaker 4: redress lower payments, income based repayments, they they push people 217 00:12:51,960 --> 00:12:55,840 Speaker 4: to forbearans without even like giving them the background of 218 00:12:56,000 --> 00:12:59,679 Speaker 4: what other options there were for them, and as a result, 219 00:13:00,080 --> 00:13:02,720 Speaker 4: collected all this additional money. And that's why the president's 220 00:13:02,720 --> 00:13:07,480 Speaker 4: recent decision is so important because it responds to that 221 00:13:07,520 --> 00:13:11,200 Speaker 4: redress eight hundred and three thousand borrows you've been paying 222 00:13:11,240 --> 00:13:14,280 Speaker 4: for twenty years completely forgiven. That's I think the numbers 223 00:13:14,320 --> 00:13:17,240 Speaker 4: thirty nine billion in total. Not what we wanted, but 224 00:13:17,360 --> 00:13:18,080 Speaker 4: a good start. 225 00:13:18,200 --> 00:13:21,840 Speaker 1: An illegal alien from Guatemala charged with raping a child 226 00:13:21,840 --> 00:13:25,640 Speaker 1: in Massachusetts. An MS thirteen gang member from El Salvador 227 00:13:25,920 --> 00:13:30,040 Speaker 1: accused of murdering a Texas man of Venezuelan charged with 228 00:13:30,120 --> 00:13:34,000 Speaker 1: filming and selling child pornography in Michigan. These are just 229 00:13:34,080 --> 00:13:37,840 Speaker 1: some of the heinous migrant criminals caught because of President 230 00:13:37,880 --> 00:13:41,480 Speaker 1: Donald J. Trump's leadership. I'm Christy Noman, the United States 231 00:13:41,480 --> 00:13:46,280 Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border 232 00:13:46,320 --> 00:13:49,880 Speaker 1: crossings are at the lowest levels ever recorded, and over 233 00:13:49,920 --> 00:13:53,160 Speaker 1: one hundred thousand illegal aliens have been arrested. If you 234 00:13:53,200 --> 00:13:57,080 Speaker 1: were here illegally, your next you will be fined nearly 235 00:13:57,160 --> 00:14:01,959 Speaker 1: one thousand dollars a day, imprisoned, and you will never return. 236 00:14:02,280 --> 00:14:05,320 Speaker 1: But if you register using our CBP home app and 237 00:14:05,400 --> 00:14:08,720 Speaker 1: leave now, you could be allowed to return legally. Do 238 00:14:08,840 --> 00:14:13,959 Speaker 1: what's right. Leave now. Under President Trump, America's laws, border 239 00:14:14,160 --> 00:14:16,000 Speaker 1: and families will be protected. 240 00:14:16,080 --> 00:14:18,240 Speaker 2: Sponsored by the United States Department of Homeland Security.