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Speaker 1: What's up is Way with Angela Yee.

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Speaker 2: I'm Angela Yee on a Wealth Wednesday, joined by my

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Speaker 2: partners Stacy Tisdale.

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Speaker 3: Happy Wealth Wednesday's everybody. We are so excited and we

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Speaker 3: have some amazing information for you because of something that

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Speaker 3: happened recently. Everybody out there with student loans knows that

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Speaker 3: on July first, the government raised the federal student loan

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Speaker 3: rate to six point five to three percent from five

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Speaker 3: point five percent. That's the highest level in a decade

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Speaker 3: and this hurts a lot because Americans owe one point

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Speaker 3: seventy five trillion dollars in student loan debt. The average

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Speaker 3: person has about twenty eight, nine hundred and fifty dollars

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Speaker 3: in student loan debt, but Brown people have fifty two

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Speaker 3: thousand dollars worth of student loan debt. So we are

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Speaker 3: very It was an SOS kind of call to the

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Speaker 3: money coach Lynette Califani Cox, who is just one of

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Speaker 3: the greatest financial experts out there. She is the author

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Speaker 3: of Zero Debt for College Grads, New York Times bestseller,

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Speaker 3: been on more than a thousand TV shows, including Oprah Today,

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Speaker 3: Good Morning America, Way Up with Angela Ye, Way up

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Speaker 3: with Angelaye many times. You were here with us in

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Speaker 3: March when the pause, that three year pause on student

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Speaker 3: loan repayments was lifted. So what the heck's with these rates?

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Speaker 4: Well, like you said, it's not good news at off

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Speaker 4: anybody who is deep in debt when it comes to

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Speaker 4: student loans, and it's really going to amount to people

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Speaker 4: paying thousand dollars more for higher education over the loan

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Speaker 4: repayment period. You mentioned, we're up to one point seven

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Speaker 4: trillion dollars or so in student loans, and we have

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Speaker 4: about forty three million Americans who have college debt. And

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Speaker 4: a lot of times people think that, you know, this

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Speaker 4: is just a millennial or maybe even a fifty problem,

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Speaker 4: but we know that that's not correct. We know that

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Speaker 4: gen xers, you know, like myself, at student loans, I

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Speaker 4: don't personally the send people in my age category who

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Speaker 4: are forty something and or fifty something. We know that

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Speaker 4: a lot of Baby boomers have student loans, and even

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Speaker 4: a lot of members of the Silent generation. So this

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Speaker 4: pike that we're seeing interest rates for federal student loans

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Speaker 4: up to six point five to three percent, yeah, it's

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Speaker 4: going to have long lasting ramification.

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Speaker 2: You know, I compare this also to even if you're

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Speaker 2: looking at mortgage rates and interest rates on that you

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Speaker 2: know that one percent, a little more than one percent

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Speaker 2: makes a huge difference when it comes to how much

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Speaker 2: you end up paying.

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Speaker 4: It really does, especially over decades of time. And the

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Speaker 4: reason I was saying before that people mistakenly think that

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Speaker 4: it's just a young person's problem is that it takes

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Speaker 4: the focus off of how long it is that people

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Speaker 4: really do wind up with student loans. And on average,

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Speaker 4: it takes people like twenty twenty plus years to repay

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Speaker 4: their college debt, and as Stacey met in a few

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Speaker 4: moments ago, for people of color, it takes even longer,

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Speaker 4: given that historically we have lower overall incomes to begin with,

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Speaker 4: less discretion in the income, and then we have more

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Speaker 4: debt that we wrack up because again, historically, our families

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Speaker 4: haven't had the adequate resources to be able to pay

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Speaker 4: for tishee, room and board, books and supply to you know,

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Speaker 4: put those bills out of pockets, and so we wind

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Speaker 4: up with more student debt to begin with, and then

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Speaker 4: we take longer to pay it off.

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Speaker 3: Speaking of taking longer to pay it off, this has

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Speaker 3: never happened before. How people are responding to this? So,

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Speaker 3: as we've mentioned, the freeze on student loan payments that

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Speaker 3: came from the pandemic was lifted in March, but only

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Speaker 3: half of people have started repaying their loans. There's twenty,

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Speaker 3: like nineteen million people have just not done it.

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Speaker 1: Yeah, they're and default of a delinquent.

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Speaker 3: Yeah, why, that's just unprecedented. What do you think is

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Speaker 3: happening there?

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Speaker 4: Well, I know unequivocally what's happening right there, those nineteen

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Speaker 4: million people. I can't say for every single one, of course,

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Speaker 4: but I'm saying by and large, they've not yet fifted

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Speaker 4: to this new reality where everything that happened pre pandemic

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Speaker 4: is like a lifetime ago compared to where we are now,

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Speaker 4: you know, four plus years later. So, before the pandemic hits,

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Speaker 4: it was one thing to have to deal with rent, groceries,

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Speaker 4: you know, credit cards, et cetera. But now everything is

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Speaker 4: so much more expensive. It's not just the student loan

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Speaker 4: debts that they're grappling with. They're grappling with higher rent

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Speaker 4: and or mortgage costs, higher debts overall, whether that's you know,

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Speaker 4: buy now, pay later loans, whether that's credit card debts,

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Speaker 4: whether that's auto loans. You know, the average credit card

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Speaker 4: right now is above twenty two percent interest. So when

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Speaker 4: you look at it, Experience came out with some data

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Speaker 4: that showed people who have student loans have bigger overall

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Speaker 4: debts to service. So on average, somebody who has student

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Speaker 4: loans pays about fifteen hundred dollars a month for all

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Speaker 4: of their debts and obligations, whereas people who don't have

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Speaker 4: student loans pay about eleven hundred a month. So even

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Speaker 4: that four hundred dollars you know, difference is very telling.

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Speaker 4: So this is part of the reason why those not

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Speaker 4: eighteen million people haven't been able to get back on

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Speaker 4: board and to pay those loans. It's because everything else

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Speaker 4: has gone up and their income has not kept caste

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Speaker 4: with the rate that we've seen on those student loans

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Speaker 4: going up. And you were mentioned numbers there, Stacey, about

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Speaker 4: you know, twenty eight thousand on average. That's correct when

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Speaker 4: we look at averages for some groups. But again those

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Speaker 4: numbers are bigger for people of color and for people

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Speaker 4: in certain age categories. Gen X. Again, my generation happens

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Speaker 4: to be the category of folks who have the biggest

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Speaker 4: student loan balance it somewhere around forty four almost forty

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Speaker 4: five thousand dollars. So this is a real issue that

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Speaker 4: people are going to have to kind of get acclimated to.

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Speaker 4: And I'm telling folks that they need to, you know,

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Speaker 4: get on to student Aid, the the Partment of Education's website,

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Speaker 4: start looking at their options for repayment, particularly trying to

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Speaker 4: get into some income based repayment plans. If you are

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Speaker 4: struggling to make ends meet.

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Speaker 3: We definitely want to talk about income based repayments. But

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Speaker 3: just staying with the impact of these higher rates for

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Speaker 3: people not paying President Biden kind of did people a

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Speaker 3: solid You said, your interest is going to accrue, but

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Speaker 3: it's not going to go on your credit report if

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Speaker 3: until September, if you don't start paying these loans back.

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Speaker 3: Talk about the impact of that, and a lot of

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Speaker 3: talk about the upcoming election all over the place right now.

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Speaker 3: Talk to people about the difference in the student loan

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Speaker 3: debt situation under a Biden administration versus what's being proposed

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Speaker 3: by Trump administration.

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Speaker 2: Right And I just want to say that's also important

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Speaker 2: because part of what Biden has been trying to do

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Speaker 2: with his administration is to get rid of student loan debt,

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Speaker 2: and that has definitely been pushed back on. Is he's

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Speaker 2: done a lot of workarounds, but some people also look

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Speaker 2: at it like he didn't keep his promises. So I

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Speaker 2: want to make sure that we discussed we like Stacy said, yeah,

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Speaker 2: what is really going on when it comes to what

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Speaker 2: could happen.

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Speaker 1: And what the costed.

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Speaker 4: Well, to be honest, I would really push back on

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Speaker 4: the concept that Biden has not kept his promise with

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Speaker 4: regard to providing student loan relief. This man been working hard.

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Speaker 4: I don't know what to try to push through student

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Speaker 4: loan forgiveness, cancelation, et cetera for tons of borrowers, and

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Speaker 4: he has, in fact canceled about one hundred and sixty

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Speaker 4: seven billion dollars for about four million people. When you

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Speaker 4: asked about the comparison between what life would be like

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Speaker 4: for borrowers under a Trump administration versus a Biden administration, well,

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Speaker 4: we already have the evidence of that. We already know

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Speaker 4: under Trump, they the entire GOP absolutely tried to restrict

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Speaker 4: student loan forgiveness and student loan debt cancelation. And we

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Speaker 4: remember how for you know, more than a year there

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Speaker 4: was arguments about whether or not folks should get student

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Speaker 4: loan forgiveness. When all those people who got PPP loan forgiveness,

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Speaker 4: they didn't say anything about that, but they put those

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Speaker 4: you know through for small businesses to you know, offer

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Speaker 4: relief on that end. So it's very clear that not

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Speaker 4: only has Biden tried to do loan forgiveness, which got

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Speaker 4: struck down by and large from the Supreme Court a

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Speaker 4: year ago. Then the Biden administration said, okay, well, I'm

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Speaker 4: going to use some other means to provide loan forgiveness,

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Speaker 4: and in a nutshell, this is the sixty second version

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Speaker 4: of it. They used thirty year old mechanisms through income

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Speaker 4: based repayments. They've been doing income for payments for thirty

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Speaker 4: plus years, and most observers, legal scholars, et cetera, said, okay, well,

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Speaker 4: they actually do have the right to do this because

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Speaker 4: it's under existing laws. Well, they pushed through this time

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Speaker 4: called SAVE, which replaced pay and repay. Pay was pay

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Speaker 4: as you earned, and then repay was revised pay as

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Speaker 4: you earned. So under the Saved program there's eight million

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Speaker 4: folks enrolled in the SAVE program. They basically knocked people's

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Speaker 4: student loan repayments in half. Because they did a lot

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Speaker 4: of tweaks to the to the formula, they protected more

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Speaker 4: of people's income, saying that if you had if your

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Speaker 4: income as much as two hundred and twenty five percent

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Speaker 4: of the federal poverty rates, you didn't have to pay

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Speaker 4: anything on your student loans. You could pay zero. In

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Speaker 4: other words, if you're single and you make fifteen dollars

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Speaker 4: an hour or thirty two thousand per year, your student

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Speaker 4: loan payments could be zero, and even zero qualifies as

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Speaker 4: a student loan repayment. So catch this, don't miss this part.

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Speaker 4: Even with a zero repayment, that counts towards student loan

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Speaker 4: forgiveness or cancelation. So people who had already been paying

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Speaker 4: for ten plus years, many of them received cancelation. Under SAVE,

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Speaker 4: they also cut the discretionary income. So under Pay and Repay,

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Speaker 4: it was percent of your discretionary income had to go

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Speaker 4: towards student loan repayments. Now, under SAVE, only five percent

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Speaker 4: of your discretionary income has to go towards student loans.

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Speaker 4: That's why it's been cut. In final two things, I'll

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Speaker 4: note and then I got a hop here you mentioned

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Speaker 4: that interest, interest is very, very important. We had so

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Speaker 4: many gen Zers and millennials out there, God bless them,

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Speaker 4: Thank the Lord for them, because they were noting properly.

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Speaker 4: So that how some people have been paying ten, fifteen,

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Speaker 4: twenty years and their loan balances have increased. It's because

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Speaker 4: all of that interest that gets capitalized or added to

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Speaker 4: people's student loan repayments. Well now under the Safe program,

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Speaker 4: which again is under attacked by the GOP, in which

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Speaker 4: I have no doubt that Trump would also fall in

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Speaker 4: line and say, yeah, y'all got to pay this back

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Speaker 4: as well. But under the Saved program, one of the

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Speaker 4: tweaks that they paid is that they took the interest,

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Speaker 4: the unpaid interest, and they said it does not accrue

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Speaker 4: as long as you make a payment, So that includes

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Speaker 4: the zero payment. So that's why people's loan balances are

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Speaker 4: now finally starting to actually go down as they should

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Speaker 4: if you've been making payments. So again I would give

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Speaker 4: a forceful thumbs up. I'm not pleased with everything that

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Speaker 4: Biden has done, but on this front, no, he absolutely

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Speaker 4: has kept his promise and is delivered on the on

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Speaker 4: the student loan front, he's he's facing tremendous opposition though,

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Speaker 4: and and over a dozen states led by GOP Republicans

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Speaker 4: of course, have attacked and now they're trying to come

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Speaker 4: after the stage plan too, okay, And I.

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Speaker 1: Know you have to go.

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Speaker 2: So where can people go to find out what they

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Speaker 2: qualify for? Just so they know where they can get

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Speaker 2: accurate information.

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Speaker 4: Studentaid dot gov is a website through the Department of Education.

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Speaker 4: On my own website as well, which is askdomoney coach

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Speaker 4: dot com Free financial advice. I have a ton of

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Speaker 4: student loan articles on there that tell people about getting forgiveness,

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Speaker 4: loan cancelation, and about a variety of student loan repayment programs.

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Speaker 3: Too excellent, So askthomoneycoach dot com YEP for incredible resources.

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Speaker 3: We have been talking about federal student loans. I know

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Speaker 3: a lot of you out there have private loans. Lynette

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Speaker 3: can give you great information about that and also follow

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Speaker 3: her on Instagram at at Lynette califani Cox. Thank you

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Speaker 3: so much for coming in and just shedding light on

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Speaker 3: all of this really.

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Speaker 1: Important and really important information.

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Speaker 4: Thank you guys so much. You know what I have

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Speaker 4: to Before I go, I just want to thank both

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Speaker 4: of you powerful women for consistently bringing financial literacy, financial education,

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Speaker 4: and financial empowerment to your audience. This is beyond a

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Speaker 4: valuable and much needed service that you're doing. You know,

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Speaker 4: it's business, but it's also a service, and I really

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Speaker 4: do applaud your efforts. For years and years, you guys

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Speaker 4: have been doing it, and I don't want you to

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Speaker 4: think that you for efforts have gone unknoted.

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Speaker 1: Thank you so much much.

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Speaker 2: And where infest to have credible people like yourself right

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Speaker 2: that are being represented in this space too, because we

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Speaker 2: want to make sure that everybody's getting top nuts information

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Speaker 2: from people who are credible, So thank you exactly.

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Speaker 3: We're really focusing on experts and you are just have

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Speaker 3: been at the top of that list for so many

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Speaker 3: even back our Wall Street Journal days. Thank you so much.

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Speaker 3: This is such an important issue, and we stepped into

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Speaker 3: the election season, so we're going to be talking about

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Speaker 3: these things.

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Speaker 1: Thanks so yeah, thank you.

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Speaker 4: That's right, Thank you lady.

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Speaker 2: All right, don't just pray for us, get out and

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Speaker 2: vote exactly, well,