WEBVTT - Advance Placement: Biden Administration Cancels $39 Billion in Student Loans: What It Means for Over 800,000 Borrowers

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

0:00:03.680 --> 0:00:07.480
<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

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<v Speaker 1>crossings are at the lowest levels ever recorded, and over

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<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

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<v Speaker 1>are here illegally, your next you will be fined nearly

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<v Speaker 1>one thousand dollars a day, imprisoned, and deported. You will

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<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>President Biden he announced the Student Loan Relief or student

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<v Speaker 3>loan forgiveness, and a lot of people still aren't really

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<v Speaker 3>sure about what it really means because they know the

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<v Speaker 3>federal the Supreme Court rejected a larger plan last week,

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<v Speaker 3>but they were still able to actually get something through.

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<v Speaker 3>And people want to know, am I eligible? What does

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<v Speaker 3>this mean for me personally? Is this going to affect me?

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<v Speaker 3>So what's your thoughts and what happened with this student

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<v Speaker 3>loan relief situation.

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<v Speaker 4>So, based on the most recent announcement, if you were

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<v Speaker 4>on an income based repayment plan and you've been paying

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<v Speaker 4>your student loans off for the last twenty years or

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<v Speaker 4>twenty five years, depending upon the plan, your student loans

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<v Speaker 4>are about to be forgiven in the next month, out

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<v Speaker 4>right done forgiven. That's going to impact eight hundred and

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<v Speaker 4>four or eight hundred and three thousand Americans across the country.

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<v Speaker 4>We're still gathering the numbers in terms of how many

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<v Speaker 4>impacts in our district. We are still also seeking clarity

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<v Speaker 4>to find out if you were making payments for twenty

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<v Speaker 4>years but not part of an income based repayment plan,

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<v Speaker 4>are you going to be eligible? I believe the short

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<v Speaker 4>answer is yes to that, but I still need to

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<v Speaker 4>get clarity on that. So that's what that recent announcement meant,

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<v Speaker 4>which is obviously a huge, huge deal based on the

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<v Speaker 4>Supreme Court shooting down the president's more ambitious plan which

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<v Speaker 4>would have had a tremendous impact on many more borrowers.

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<v Speaker 4>And the Supreme Court decision there was bs and we'll

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<v Speaker 4>get into that hopefully because I want to talk a

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<v Speaker 4>little bit about that as well.

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<v Speaker 5>Yeah, I mean, let's go there, right, because the original

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<v Speaker 5>plan was with thirty seven million people to be impacted

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<v Speaker 5>by student no forgiveness. I was sitting here waiting. We

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<v Speaker 5>know that the payment are going to start. Payments are

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<v Speaker 5>going to start being reactive in the next couple of months,

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<v Speaker 5>and so people are looking at that from an economical

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<v Speaker 5>standpoint like that, we haven't paid in three years now.

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<v Speaker 5>This is another thing that we have to add to

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<v Speaker 5>our payments on our monthly basis. So what happened there?

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<v Speaker 5>Thirty seven million, eight hundred thousand people are going to

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<v Speaker 5>be impacted by the recent ruin, but there's that big

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<v Speaker 5>gap of almost thirty six million.

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<v Speaker 2>People were looking.

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<v Speaker 5>At it like what happened? We had an opportunity to

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<v Speaker 5>help our economy by relieving some debt and having people

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<v Speaker 5>have disposal income that they could potentially invest in real

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<v Speaker 5>estate and other things.

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<v Speaker 4>Yeah, first of all, I want to say we should

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<v Speaker 4>give President Biden credit for continuing the pause over these

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<v Speaker 4>last few years. I know we go after Biden for

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<v Speaker 4>a lot of issues, as we should, but definitely given

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<v Speaker 4>credit because this pause it was started under the Trump administration,

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<v Speaker 4>but Biden continued it for an additional couple of years,

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<v Speaker 4>so that put more money in people's every month for

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<v Speaker 4>the last couple of years. Let's give him credit for that.

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<v Speaker 4>So this case, first of all, there's something called the

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<v Speaker 4>Heroes Act that Congress passed in two thousand and three,

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<v Speaker 4>which in response to a national emergency, gives the Secretary

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<v Speaker 4>of Education latitude and the power to waive or forgive

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<v Speaker 4>a student loans or provide some sort of redress so

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<v Speaker 4>that we are not harming borrowers during a national emergency.

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<v Speaker 4>This was initially something like this was initially done during

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<v Speaker 4>the Gulf War where people who were off to war

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<v Speaker 4>and the nation was in the middle of a war.

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<v Speaker 4>You know, we didn't want to you know, hurt borrows

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<v Speaker 4>at that time, so Congress passed legislation to give the

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<v Speaker 4>Secretary of Education opportunity to waive payments or reduce payments

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<v Speaker 4>during that time. It was repeated after nine to eleven.

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<v Speaker 4>We all remember what was going on during nine to eleven.

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<v Speaker 4>After that that led to the war in Afghanistan and

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<v Speaker 4>the Iraq War. There was a reprieve that occurred during

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<v Speaker 4>that time. But in two thousand and three, Congress said,

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<v Speaker 4>you know what, we need a piece of legislation that

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<v Speaker 4>gives the Secretary the power to respond to any national emergency.

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<v Speaker 4>So Congress passed the Heroes Act. So under the jurisdiction

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<v Speaker 4>of the Heroes Act, the Secretary of Education has the

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<v Speaker 4>power and the President has the power to waive or

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<v Speaker 4>cancel student debt. The Supreme Court argued against this based

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<v Speaker 4>on an argument that came from a party that isn't

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<v Speaker 4>even harmed by the cancellation of the debt.

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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 El Salvador

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<v Speaker 1>accused of murdering a Texas man of Venezuelan charged with

0:07:46.880 --> 0:07:50.760
<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 Christinem, the United States Secretary

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

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<v Speaker 1>are at the lowest levels ever recorded, and over one

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<v Speaker 1>hundred thousand illegal aliens.

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<v Speaker 2>Have been arrested.

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<v Speaker 1>If you are here illegally, you're next. You will be

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<v Speaker 1>fine nearly one thousand dollars a day, imprisoned and deported,

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<v Speaker 1>you will never return. But if you register using our

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<v Speaker 1>CBP home app and leave now, you could be allowed

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<v Speaker 1>to return legally. Do what's right. Leave now. Under President Trump,

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<v Speaker 1>America's laws, border and families will.

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<v Speaker 2>Be protected sponsored by the United States Department of Homeland Security.

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<v Speaker 4>That's a key point here. In order for you to

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<v Speaker 4>argue a case in front of the Supreme Court, you

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<v Speaker 4>have to be able to express harm at a party.

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<v Speaker 4>You have to be a party that was harmed by

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<v Speaker 4>something in order to argue the case. The state of Michigan, Missouri,

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<v Speaker 4>excuse me, argued on behalf of a third party in

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<v Speaker 4>this case, expressing harm based on the president of forgivenness debt,

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<v Speaker 4>which is complete nonsense. The third party that they argued for,

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<v Speaker 4>Mohela is the name of the company, was not even

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<v Speaker 4>involved in a lawsuit at all, and the Supreme Court

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<v Speaker 4>shouldn't have heard the case. They still heard the case anyway,

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<v Speaker 4>heard the case, heard the arguments, decided in favor of

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<v Speaker 4>mohela third party who wasn't even involved in the case,

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<v Speaker 4>and shot down the president's cancelation of ten thousand for

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<v Speaker 4>individuals making up to one hundred and fifty thousand and

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<v Speaker 4>twenty thousand for lower income people. So a huge blow.

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<v Speaker 4>But the President is pursuing another avenue called the Higher

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<v Speaker 4>Education Act, which he's saying is going to take longer,

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<v Speaker 4>but is another possibility. Well, I think he should do.

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<v Speaker 4>Let me just close on this and sorry for the

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<v Speaker 4>long answer. I think he should just cancel the teny

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<v Speaker 4>twenty thousand outright and force the Supreme Court to figure

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<v Speaker 4>out a way to force people to pay back to

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<v Speaker 4>the program after the president cancels it. But this president

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<v Speaker 4>is an institutionalist, so he's not used to doing things

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<v Speaker 4>that way. The state of emergency, I think provides him

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<v Speaker 4>the opportunity to do that.

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<v Speaker 6>For the constituents that you're representing. For the audience here,

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<v Speaker 6>since there has been some talk about student loans being

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<v Speaker 6>an asset that has traded kind of like mortgage backed

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<v Speaker 6>securities in two thousand and seven, in two thousand and eight,

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<v Speaker 6>will we ever see twenty million, thirty million loans.

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<v Speaker 2>Just eradicate it?

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<v Speaker 6>Or is it will to be like a tiered system

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<v Speaker 6>of maybe like a maximum of a million to two million,

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<v Speaker 6>Because when I talk to people, the sentiment is, well,

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<v Speaker 6>they're just trying to do this to get votes and

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<v Speaker 6>it's never going to pass. Is there any perfect utopian

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<v Speaker 6>situation where twenty million, thirty million people may get relief

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<v Speaker 6>from having these loans off their back.

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<v Speaker 4>Yes, there is. But our democracy is what we make it.

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<v Speaker 4>I need to emphasize that point. The previous president, Donald

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<v Speaker 4>Trump chose three Supreme Court justices because he had the

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<v Speaker 4>ability to do that because he was elected. Now, the

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<v Speaker 4>Supreme Court is ultra conservative, so you are going to

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<v Speaker 4>see the Supreme Court siding less with policies that we

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<v Speaker 4>all care about, like canceling student debt, like Affirmative Act,

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<v Speaker 4>like voting rights. So I cannot emphasize enough how important

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<v Speaker 4>elections are because the president decides who goes into the

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<v Speaker 4>Supreme Court. Now, taking a step back, it's not just

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<v Speaker 4>about the Supreme Court. It's about who we elected, who

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<v Speaker 4>we elected to Congress, and who we elected to the Senate.

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<v Speaker 4>Because if you have the wrong people in no seats,

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<v Speaker 4>which we currently have right now, then we are not

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<v Speaker 4>going to write or pass any legislation that is going

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<v Speaker 4>to do what you're talking about. Everyone knows the student

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<v Speaker 4>loan program is corrupt, it's it's predatory, and it has

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<v Speaker 4>been designed in a way that harms borrowers more than

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<v Speaker 4>it helps them. Because listen, many of us know we

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<v Speaker 4>were raised to go to college. Right you're going to college,

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<v Speaker 4>going go to college. Many of us come from families

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<v Speaker 4>where we don't know what it takes to go to college.

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<v Speaker 4>All of a sudden, you get to college, you can't

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<v Speaker 4>afford it. They dangle this loan in front of you. You,

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<v Speaker 4>thank god, I'll take out the loan. I'm gonna get

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<v Speaker 4>a job anyway with this degree, so I'm gonna be good.

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<v Speaker 4>I'll pay it back. You take out the loan, you

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<v Speaker 4>don't really understand an interest rates, you don't get the

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<v Speaker 4>job that you expected, you're unemployed or you're underemployed. And

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<v Speaker 4>then when you try to call these these these third

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<v Speaker 4>party companies that work with the Department of Education for

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<v Speaker 4>redress lower payments, income based repayments, they they push people

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<v Speaker 4>to forbearans without even like giving them the background of

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<v Speaker 4>what other options there were for them, and as a result,

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<v Speaker 4>collected all this additional money. And that's why the president's

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<v Speaker 4>recent decision is so important because it responds to that

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<v Speaker 4>redress eight hundred and three thousand borrows you've been paying

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<v Speaker 4>for twenty years completely forgiven. That's I think the numbers

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<v Speaker 4>thirty nine billion in total. Not what we wanted, but

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<v Speaker 4>a good start.

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

0:13:21.840 --> 0:13:25.640
<v Speaker 1>in Massachusetts. An MS thirteen gang member from El Salvador

0:13:25.920 --> 0:13:30.040
<v Speaker 1>accused of murdering a Texas man of Venezuelan charged with

0:13:30.120 --> 0:13:34.000
<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 Noman, the United States

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

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<v Speaker 1>crossings are at the lowest levels ever recorded, and over

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<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

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<v Speaker 1>were here illegally, your next you will be fined nearly

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<v Speaker 1>one thousand dollars a day, imprisoned, and you will never return.

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<v Speaker 1>But if you register using our CBP home app and

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<v Speaker 1>leave now, you could be allowed to return legally. Do

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

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<v Speaker 1>and families will be protected.

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