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Speaker 1: We're just too unapologetically black women with an opinion. Who

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Speaker 1: talks back? Hey, y'all, it's me Tim Maam. Welcome back

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Speaker 1: to a new episode of We Talked Back. Hey, and

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Speaker 1: that's your co host, a j holiday Am. How are

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Speaker 1: you doing? A j oh, good girl. That was a

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Speaker 1: good introduction, like that yelling at the goddamn Mike period.

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Speaker 1: What's up, y'all? How was your weekend? My weekend was cool.

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Speaker 1: I went outside. I know, I said I wasn't going outside,

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Speaker 1: but I did. The live motherfucker's terrible. It's boy like,

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Speaker 1: It's all right. You're sitting up in this four floor

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Speaker 1: looking down this all kind of ship in energy outside.

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Speaker 1: It makes it hard to want to stay inside when

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Speaker 1: it's all beautiful and stuff. So I was outside. You're

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Speaker 1: going outside when it was cooldest funk outside outside. It's

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Speaker 1: harder when it's nice. So that bruns out, all right?

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Speaker 1: So what club did you hit up this weekend in Charlotte?

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Speaker 1: You might as well listen. First of all, you might

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Speaker 1: need to try to get some low promo money from

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Speaker 1: these niggs in Charlotte. Okay about these spots being astly,

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Speaker 1: because I'll be moving around the city so I went

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Speaker 1: to UM. I started at Infused, which is like a

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Speaker 1: little hooka bar. Then I left there and I went

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Speaker 1: to Fahrenheigh, which is like a rooftop situation. You can

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Speaker 1: see the city city views. It's good cocktails. Had a

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Speaker 1: few drinks there. Then I left there and I went

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Speaker 1: to another place called fifteen Street Social, which is a

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Speaker 1: newer spot, and it was seeming kind of young, but

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Speaker 1: the DJ said that people were that young. Black just

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Speaker 1: don't crack, so um it was cool. Left there and

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Speaker 1: I went to cloud Southend, which is a nice little

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Speaker 1: jumping It's like one of the most popping spots in

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Speaker 1: Charlotte right now. Cloud and that was That was Saturday night.

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Speaker 1: That was all I want, all of those places. There's day.

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Speaker 1: I got up and I went to fifteen one, which

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Speaker 1: is like an outdoor situation, real good vibes, good music.

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Speaker 1: R and b's grown crowd, very grown crowd. Oh yeah,

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Speaker 1: I went there. I went there a couple of weeks

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Speaker 1: ago to watch a football game. It's like outside, right, yeah,

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Speaker 1: it's outside. It's next to that ruby ruby ruby. What's

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Speaker 1: that ruby sunshine? Don't I think you might be talking

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Speaker 1: about Lost and found? Lost and found is another good spot. No,

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Speaker 1: I'm pretty sure it's fifteen on one. Maybe I'm thinking

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Speaker 1: about yeah, but that's the place. It's like outside, they're

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Speaker 1: in the same area. Yeah, okay, yeah. I went there

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Speaker 1: and I was like, damn. I asked the barts and

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Speaker 1: I'm like, who on this? She said it was black On.

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Speaker 1: I'm like, okay, yeah, he's black on a little nightclubs

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Speaker 1: in Charlotte. They be doing a damn thing. And then

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Speaker 1: and then I left fifteen o one and I went

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Speaker 1: to STATS on Sunday nights stands on Sunday night. It

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Speaker 1: is like a whole vibe. That's a big spot. Like church.

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Speaker 1: They called church on Sunday. What about your heathens? Right?

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Speaker 1: The church? So I did be going to church online

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Speaker 1: on Sunday Sunday morning. I got the first day. It

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Speaker 1: gives me the word before I go out and drink. Now,

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Speaker 1: one day we was talking and I said, you said, yeah,

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Speaker 1: I went to church twice today. I was like, damn, girl.

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Speaker 1: He was like, man, funk these niggers. I went to church.

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Speaker 1: I'm really thinking this bitch went to church twice. She

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Speaker 1: talking online church, it's all online. You ain't going nowhere.

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Speaker 1: I didn't go. I was in a tennis he record.

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Speaker 1: They recognized the listeners online. Bitch, you said some ties

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Speaker 1: in all right, now that's now he runs out. Now,

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Speaker 1: that's one thing I ain't about to do. You runs

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Speaker 1: out now. That was my weekend. But this weekend, I'm

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Speaker 1: a chill. Is Mother's Day this weekend coming up? No,

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Speaker 1: it's next, it's next me. Yeah, okay, this weekend I

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Speaker 1: don't have I might fly to Atlanta this weekend or something.

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Speaker 1: I'm going to tell your maka next week. I can't wait.

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Speaker 1: So I'm at to I don't know, do something for

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Speaker 1: my mom before I dip out on her ass. My

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Speaker 1: weekend was uneventful, per usual. My stepdad is in the hospital.

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Speaker 1: That's what I've been dealing with. Yeah, man, listen, y'all,

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Speaker 1: take care of your bodies when you're young. Just take

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Speaker 1: care of your bodies when you're young, so nobody has

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Speaker 1: to take care of you when you get old, like

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Speaker 1: that should just be goals. Yeah, but I mean, that's

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Speaker 1: that's deteriorating as we get older. Is a part of life,

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Speaker 1: kind of right. Even if you take care of ourselves,

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Speaker 1: it's just only so much you can do before somebody

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Speaker 1: got to take care of you. You know, I read

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Speaker 1: this hot I read this article that suggests that each

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Speaker 1: human has a certain amount of heartbeats. We just don't

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Speaker 1: know what our predetermined amount of heartbeats are. Could you

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Speaker 1: imagine that? Like it's somewhere they got I wouldn't. No,

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Speaker 1: hell no me either, spending my day's counting them. But

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Speaker 1: I did also read because a couple of months ago,

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Speaker 1: I was stressed out, like why the fund is? I

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Speaker 1: always wear my fit bit right, I know everybody got

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Speaker 1: Apple watched My Life hip it I my heart rate

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Speaker 1: is always like low, like fifty five, so I'm thinking

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Speaker 1: I'm dying. And I was watching uh Discovery of Witches

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Speaker 1: last night, and of course you were. And the dude,

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Speaker 1: the one of the vampire characters, old girl, was feeling

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Speaker 1: his chest and she was like, you know, you don't

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Speaker 1: have a heartbeat, and then the heartbeat came right he

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Speaker 1: was like, I do have a heartbeat, is just slower,

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Speaker 1: you know, because we live internal we got eternal life,

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Speaker 1: So your heartbeat. Then I started Google. I said, wait

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Speaker 1: a minute, so I'm not sick because my heartbeat it's

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Speaker 1: sucking slow. So your vampire bitch. Now I'm a lift

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Speaker 1: already know I'm a lift toime like ninety five, but

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Speaker 1: now I'm it's like confirmed. Yeah, bitch, I take it easy. Okay,

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Speaker 1: what network was this song? AMC bitch? Listen, I take

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Speaker 1: it easy. I know I'm gonna be around here until

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Speaker 1: like ninety three. That's why I need y'all to stop

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Speaker 1: sucking up my world. Okay, if you're planning on die

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Speaker 1: in that sixty okay, stop sucking my world up. Yea.

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Speaker 1: Let's let's go to commercial on that note, because this

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Speaker 1: bitch is We'll be right back. All right, Let's get

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Speaker 1: into some dumb internet news, y'all. What we got going on? Sam?

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Speaker 1: So Mega Stallion did an interview with GAYL King? Did

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Speaker 1: you why? Why? Why? What? I don't know why. I thought.

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Speaker 1: I thought they put Tori under a gag about this whole,

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Speaker 1: you know, situation that happened. So why is she allowed

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Speaker 1: to do interviews with Gail King and he can't say anything?

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Speaker 1: I guess because maybe we need to We're looking at

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Speaker 1: it wrong. We were looking at it as if it

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Speaker 1: doesn't seem fair. Should we be looking at it as

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Speaker 1: if this nigga is fucking guilty? And I'm a victim

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Speaker 1: and I should be able to talk about it like

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Speaker 1: this is therapy for me at this point, and with

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Speaker 1: the whole world. I'm not here to um like judge

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Speaker 1: either one of them. This ship has been going on

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Speaker 1: for two years now. Yeah, it's like two years now.

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Speaker 1: The fact of the matter is Meg the Stallion did

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Speaker 1: not have a gun, and she got hurt. Somebody else

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Speaker 1: had a gun. You see what I'm saying. She got hurt,

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Speaker 1: and with the internet and everybody, she probably felt the

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Speaker 1: need to get out there and tell her story in

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Speaker 1: some type of way and get a check off it

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Speaker 1: at the same time. Yeah, I feel you so um.

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Speaker 1: I'm gonna read some of the things that Megan said. Uh,

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Speaker 1: and it's quote big Megan said. It was an argument

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Speaker 1: because I was ready to go and everybody else wasn't

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Speaker 1: ready to go. But that's like normal friends stuff, Like

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Speaker 1: we fuss about silly stuff all the time. But I

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Speaker 1: never put my hands on anybody. I never raised my

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Speaker 1: voice too loud, Like this was one of them times

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Speaker 1: where it was like it got it little. This was

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Speaker 1: one of them times where it was like it shouldn't

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Speaker 1: have got this crazy right, And I can I can

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Speaker 1: understand that you know how sometimes like you and a

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Speaker 1: Frank could be y'all could be playing damn, and all

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Speaker 1: of a sudden, somebody really gets serious. Like I can

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Speaker 1: see that happening. I've had that happen, um. But you

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Speaker 1: know one thing I did see. According to a public

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Speaker 1: transcript from December hearing on Meg the Stallion and Tory

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Speaker 1: Lanes case, the source can't confirm that the officer testified

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Speaker 1: there was gunshot residue found on tories hands. So now

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Speaker 1: all the public um judges have been saying, oh, they

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Speaker 1: found the residue on old girl's hand, homegirl, Casey, wasn't

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Speaker 1: it learning Casey? M hm, Kelsey sorry that they found

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Speaker 1: a yeah, the residue on Kelsey's hands, But in actual

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Speaker 1: evidence at the courts, now they're saying that that the

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Speaker 1: residue was on Tori's hands. Then also, you know this

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Speaker 1: should have missed. It is there, she's staying there. They

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Speaker 1: never slept with each other, her and Tori. I mean,

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Speaker 1: are you publicly about to damn? I'm not listen. This

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Speaker 1: is my pussy. I don't gotta confirm or deny nothing

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Speaker 1: for y'all. Period. So rather she did or not, is

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Speaker 1: that her business I feel like even if I feel

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Speaker 1: like her saying that they did what, even that would

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Speaker 1: be a better defense for for it would be not

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Speaker 1: a defense. Sorry, it would be a better situation if

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Speaker 1: she did say that they were fucking, because that's even

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Speaker 1: more reason for him to shoot at her. But I

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Speaker 1: feel like, if you're gonna come out and uh talk

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Speaker 1: about this ship till the whole truth, now don't then

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Speaker 1: maybe that is the truth. Maybe it is the truth.

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Speaker 1: Why don't know? I mean, based on what you're saying,

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Speaker 1: why would I come out and tell somebody my sexual business,

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Speaker 1: you know, like you know, if you're gonna tell it, now,

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Speaker 1: tell it all. Yeah. And I I believe I believe her.

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Speaker 1: I believe Mega Stallion. I've been saying that we didn't

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Speaker 1: talked about this you at last. I want to believe her.

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Speaker 1: I will. I want desperately to believe her. But I

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Speaker 1: just still, you know, it's just so much stuff that like,

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Speaker 1: first it was like glass, then it was a shooting,

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Speaker 1: and it's just too many different stories. She got hit

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Speaker 1: by bullet, then the fact that her and her best

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Speaker 1: friends are no longer best friends after this just seems

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Speaker 1: like some fishy ship going on. Well, did you see

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Speaker 1: where somebody I don't know who E was trying to

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Speaker 1: pay the home girl or Meg to be quiet for

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Speaker 1: a million dollars. Tory offered one million to keep silent.

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Speaker 1: So was did he? Everybody gave the home girl a

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Speaker 1: million dollars to be quiet? Mega, just says Tory lays

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Speaker 1: offered her and Kelsey one million for their silence on

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Speaker 1: the shooting. Damn, I would have took it. Maybe her

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Speaker 1: home girl did take it. You see what I'm saying.

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Speaker 1: Maybe her home girl did take it. So now you

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Speaker 1: just left your best friend. You know you've known way

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Speaker 1: before the fame. You left her out hanging to get

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Speaker 1: on her level. You see what I'm saying. I would

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Speaker 1: never That's why I always say, man, integrity is a

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Speaker 1: lifelong commitment, because I'd never do that to one of

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Speaker 1: my friends. Fuck that nigga, Like he got to go

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Speaker 1: to jail, because regardless of what if, even if it

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Speaker 1: wasn't a direct bullet, like I said, she didn't have

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Speaker 1: a gun, there was a weapon on the scene, and

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Speaker 1: she's the only one that got hurt. What does that say?

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Speaker 1: She said he was hanging out the car window shooting

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Speaker 1: at her feet. Do y'all know what fragments are. He

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Speaker 1: didn't say that, she didn't. It wasn't a bullet. She

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Speaker 1: might have thought it was glass initially, you know what

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Speaker 1: I'm saying. It could have recocheted off the concrete. It

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Speaker 1: could have been pieces of concrete in her foot, anything.

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Speaker 1: But she's happening when yeah, oh yeah, yeah yeah, And

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Speaker 1: it wasn't herd I called the police. It was bystanders

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Speaker 1: that heard gunshots. What are we talking about? But when

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Speaker 1: a black woman say somebody heard them, nobody, nobody fucking cares.

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Speaker 1: And that's that's what this is given to me. It's

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Speaker 1: just what it's obviously because in the court of public opinion,

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Speaker 1: Mega Stallion is a liar. There's a lot of women

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Speaker 1: who think she's a liar, and it's a lot of

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Speaker 1: men who think she's a liar. When she initially said

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Speaker 1: she didn't even want to say nothing because she didn't

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Speaker 1: want to get him in trouble. Still, yeah, I don't

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Speaker 1: think she I don't know what to think. I can't

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Speaker 1: say I exactly stand with Meg, just because of how

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Speaker 1: many different stories came out in the beginning. But I

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Speaker 1: don't I can't say that I stand with Tori either.

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Speaker 1: I just I'm still waiting to hear the full details

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Speaker 1: of what happened before I make pass any judgment on anybody. Well,

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Speaker 1: I don't want to pass judgment at all, but I'm

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Speaker 1: never gonna. I want to say I want victim blame,

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Speaker 1: but I'm not victim blaming. You know what I'm saying.

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Speaker 1: We know people lies sometimes, we know people make stories up.

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Speaker 1: We know we know that type of ship happens. But

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Speaker 1: I have seen her story be consistent. I didn't see her.

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Speaker 1: I mean, she never confirmed or denied a relationship with

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Speaker 1: him at all either. So I don't know. I hope

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Speaker 1: um oh. And another thing I want to add, so

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Speaker 1: Tory he has he has that he has had to

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Speaker 1: pay two different bonds. If he was a regular nigga,

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Speaker 1: he would have sat in jail with these charges. He

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Speaker 1: only got out because he has the means to yeah,

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Speaker 1: you're right, and then outside like posting pictures with her

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Speaker 1: ops and stuff like that, making making funny songs and

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Speaker 1: ship like boy. Yeah, I don't know. By Ola Davis,

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Speaker 1: she did a Netflix special event with Oprah and she

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Speaker 1: spoke on her childhood, you know, hardships and growing up

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Speaker 1: knowing she was pooring she was so beautiful on there. Yeah,

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Speaker 1: she looked good, and she lived in a home with

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Speaker 1: rats and without utilities like gas and electricity, and she

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Speaker 1: would spent a lot of time being hungry as a kid.

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Speaker 1: That's a lot of story. You know a lot of

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Speaker 1: people's story, I know. Yeah. And you know, as kids

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Speaker 1: like in school and stuff, you never know, we've always

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Speaker 1: had like the little stink kids in school or you

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Speaker 1: used to be one of them, bitches making fun of

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Speaker 1: the not true. I distinctively remember a super stint white

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Speaker 1: boy who was in in my class, and he had

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Speaker 1: like a mullet mohawk type haircut, and he would smell

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Speaker 1: like fresh do too every day. I never said anything

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Speaker 1: like people would rag on him all day every day.

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Speaker 1: I never would tease him, but I watched people tease

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Speaker 1: other people all the time, like I never nah. I

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Speaker 1: mean maybe maybe like maybe not him in particular, but

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Speaker 1: I have defended people before, like y'all leave that motherfuck alone,

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Speaker 1: you know what I'm saying. But I would tease people

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Speaker 1: I know that could tease back, like I like to

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Speaker 1: go back and forth, like if you ain't gonna defend yourself,

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Speaker 1: I'm not about to just be beating you down. But

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Speaker 1: you know, as kids, you don't realize the struggles like

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Speaker 1: students go through, Like some of them, the only meal

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Speaker 1: they get would be the one they have at school.

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Speaker 1: You know what I'm saying, Like, like once you get

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Speaker 1: to be an adult and you see the struggles adults have,

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Speaker 1: like you realize like kids being that struggle. These kids

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Speaker 1: be living in a car with their parents, not able

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Speaker 1: to wash their school uniform every day. So I don't know,

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Speaker 1: I don't know how you teach kids. I mean a

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Speaker 1: little motherfucking people are mean. Yeah I was a mean girl,

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Speaker 1: but to people who like to understand like the hardships

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Speaker 1: of children and adults, and they just don't care, you know. Yeah.

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Speaker 1: It's she also uh not not necessarily on this uh

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Speaker 1: Netflix special, but she did discuss wanting a big black man.

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Speaker 1: Was that on there? Yes, she was manifesting her husband

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Speaker 1: child from the South, and that's what she got. Big

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Speaker 1: black man from the South who loved God, uh, who

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Speaker 1: was athletic, so he was he was a retired football player,

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Speaker 1: So she got exactly what he wanted. Like I know,

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Speaker 1: people always tell us a manifest manifest sorry, so she

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Speaker 1: got exactly what she wanted. So people always talk about manifesting, right,

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Speaker 1: but you gotta be real specific. You see how specific

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Speaker 1: she was when where he was, from his bill, what

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Speaker 1: what type of man he was, all those things and

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Speaker 1: what she asked for. But I feel like a lot

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Speaker 1: I've been listening. I've been very specific. God, if you

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Speaker 1: hear me, you wrote it down, though, Yeah, I wrote

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Speaker 1: it down. This in my Bible, This in paper in

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Speaker 1: the Bible. So we're gonna see y'all gonna bear witness

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Speaker 1: to this beautiful black man. That guy gonna see me

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Speaker 1: this year. God, what if he like a little ugly?

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Speaker 1: You know, I've done a little I've done a lot

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Speaker 1: of ugly, so I should do a little ugly. I

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Speaker 1: don't like my man being as finest me though. So

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Speaker 1: on the piece of paper in the Bible, did you

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Speaker 1: put anything about penis size in there? I did not,

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Speaker 1: So there you got a lot of money size. Penis

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Speaker 1: size is not like a big thing for me. Like

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Speaker 1: I don't need like the biggest dick. Maga, Like I mean,

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Speaker 1: do I want? I don't. First of all, I don't

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Speaker 1: like really big dicks. Anyway, he got like a humongous dick,

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Speaker 1: Like that's just not even like that hurts. I can't

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Speaker 1: do that all the time. I want a I want

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Speaker 1: the baby or porch, big, the medium size, the hamburgers.

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Speaker 1: I did not add that. I don't know if I

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Speaker 1: want to like talk about dick and put it in

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Speaker 1: my bible, like you gotta be specific, gotta be specific. Well,

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Speaker 1: you can just say you don't want a good lover. Yeah, okay, Yeah,

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Speaker 1: that's that's what it's about for me, not the It's

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Speaker 1: not about the size of the boat. It's the motion

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Speaker 1: and the ocean. Alright, real quick, there was a train

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Speaker 1: on TikTok where black women with their white boyfriends calling

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Speaker 1: them master. Have you seen that? What? I don't see

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Speaker 1: a couple of black guys too, But why would It's like,

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Speaker 1: you know what my first thought was, did somebody take

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Speaker 1: the time to pull out all these different interracial couples

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Speaker 1: and then put that put that audience the pictures. You

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Speaker 1: can't couples are doing it themselves, and and you know

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Speaker 1: they think it's funny, like master, that's it's a jokey joke.

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Speaker 1: You know. You see you see how those black women look,

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Speaker 1: and that they look like the type of bitches that

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Speaker 1: would be in a tetop calling that white boyfriend they masters,

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Speaker 1: what the fucking nappylieve out? Get get your life, your bigs?

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Speaker 1: Just crazy. Yeah, I didn't think that, you know, but

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Speaker 1: to Eastern own maybe if you have like a fucking

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Speaker 1: slavery fantasy with your wife, master, that's your thing, girl,

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Speaker 1: Just dumb, Where where's your daddy? You don't have to

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Speaker 1: post it though, that's your thing. Do it privately. That's

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Speaker 1: insulting to all black women everywhere. Girl, Everything that's not

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Speaker 1: belonged on the internet. And that's why, that's why we

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Speaker 1: have stupid internet. Sew. Thank you for content, you dumb nap. Yeah, alright,

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Speaker 1: I'm sorry, I'm sorry. Shame. Yeah, but let'sten. We got

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Speaker 1: a super dope guest on. We talked back today helping

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Speaker 1: y'all bitches and us bitches get our lives together. Y'all

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Speaker 1: stay tuned. All right, y'all listen. So we started this

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Speaker 1: year off a little bit different for season two and

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Speaker 1: we talked back. Um first few episodes is kind of

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Speaker 1: dedicated to our goals, which I believe we share a

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Speaker 1: lot of the same goals. You want to lose weight.

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Speaker 1: We talked about finances, real estate people, We had come on, uh,

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Speaker 1: what else did we do tam um friendship? We had

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Speaker 1: friendship goals also, right, so um, yeah, we were trying

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Speaker 1: to get back to that. Yes, okay, So we're trying

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Speaker 1: to get back to helping everybody at ourselves with our

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Speaker 1: new Year's resolution. So look, we're talking that today, not

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Speaker 1: just any that. We're talking student loan that, y'all. Okay,

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Speaker 1: because I know, y'all bitches broke like me from the

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Speaker 1: student Loans exactly, y'all. We got the CEO of the

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Speaker 1: Student Loan Doctor LLC and self proclaimed overdraft Queen Sonya

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Speaker 1: Lewis talk back. Hey girl, Hey ladies, Well I want

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Speaker 1: to say former overdraft queen I've been working for No.

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Speaker 1: We know that. We already know. Yeah, so why are

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Speaker 1: you doing, Sonya? Tell our listeners about you. I'm good.

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Speaker 1: I'm good. I'm checking in from Miami, Florida and my

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00:21:48,600 --> 00:21:53,600
Speaker 1: favoring police on Earth. Um. I moved here recently because

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Speaker 1: it was just way too cool in Philly and I

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Speaker 1: was just it was it was just a joke to

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Speaker 1: come down here, guys. And then what happened was I

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Speaker 1: loved it and I kept extending my Airbnb. Now I'm

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Speaker 1: looking at apartments. Then I went brought a Lamborghini. Like

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Speaker 1: life just kept it really really pass and I think

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Speaker 1: I just got caught up. I'm not gonna lie. I'm

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Speaker 1: real caught up these days. But I'm having fun and

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Speaker 1: teaching and helping people get out of student love them

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Speaker 1: at the same time. UM so yeah, so what do

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Speaker 1: you guys want to start? When I was real broke

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Speaker 1: or like now I'm because likening you got started with,

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Speaker 1: you know, helping people with student loans in this industry. Yeah,

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Speaker 1: how did you start the student loan doctor? Yeah, I

375
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Speaker 1: was real broke, and so I just want to, you know,

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Speaker 1: emphasize that. Um. I was living like beyond check the check,

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Speaker 1: like overdraft to overdraft and then some like almost had

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Speaker 1: my account closed a few times, but guy stepped in

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Speaker 1: and then I was like, you gotta get your money right,

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Speaker 1: like you don't have to live like this, and so, um,

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Speaker 1: I took a financial literacy class at church, and then

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Speaker 1: I started helping people at the church understanding to the

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Speaker 1: loan that because that's my professional background. And then people

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Speaker 1: started trying to send their cousins and their family members

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Speaker 1: and I didn't even hear from the from the Lord,

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Speaker 1: I still haven't heard this message to do the work

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Speaker 1: for free. So I'm like, okay, he's not gonna I

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Speaker 1: ain't never heard it. So I started meeting people at

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Speaker 1: the corner of bakery. Now have you ever been to

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Speaker 1: the corner bakery before? No? Okay, Cozy's like any any bakery. Okay, Well,

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Speaker 1: you know in the bakery, you gotta find the spot

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Speaker 1: next to the plug, like yes, the stocking. And so

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Speaker 1: what I had to do was I would go to

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Speaker 1: work every day, I would run to the corner bakery

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Speaker 1: and I would get the corner roof with the socket. Now,

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Speaker 1: in order to secure this spot, I had to flirt

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Speaker 1: for it. You know, I still owe somebody a date,

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Speaker 1: but I'm never gonna catch it in. So you know,

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Speaker 1: we got do some strange things to start your business. Okay,

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Speaker 1: So that man I haven't heard about heard because I'm not.

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Speaker 1: You know, I'm excited to that to say I never

402
00:24:14,359 --> 00:24:19,720
Speaker 1: did that, But I feel like he was gonna cash

403
00:24:19,800 --> 00:24:23,879
Speaker 1: it on something, soons I had to get office. It

404
00:24:24,000 --> 00:24:26,840
Speaker 1: was getting real weird because he would put this like

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Speaker 1: reserve sign. I've never seen reserve side and a free

406
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Speaker 1: bakery before. Again, I know he made that sign for you.

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Speaker 1: He did. It was a little homemade, but we gotta

408
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Speaker 1: just look at his heart. So pretty short. Um, I

409
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Speaker 1: was telling people at the degree and I was charging,

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Speaker 1: like when I get a little pai more than at

411
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Speaker 1: the job, I'm like this my ghost nowhere. So I

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Speaker 1: started taking off work and open up my calendar and

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Speaker 1: then people just started making their appointments and paying their money.

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Speaker 1: So I'm like, okay, let me see what would happen

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Speaker 1: if I took a week off. And so basically what

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Speaker 1: I was doing is meeting with people, going over their

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Speaker 1: student on debt with them, you know, breaking down the numbers,

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Speaker 1: talking about repayment plans, forgiveness, and I would help them

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Speaker 1: call their lender. You know. They would talk of course,

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Speaker 1: and we would set things up and it just really, guys,

421
00:25:16,640 --> 00:25:20,199
Speaker 1: it blew up. In two thousand and eighteen, Um the

422
00:25:20,320 --> 00:25:22,600
Speaker 1: Shade Room. Her name is Misha. She used to work

423
00:25:22,600 --> 00:25:25,479
Speaker 1: for the Shade PROMP. She called me. It was like,

424
00:25:25,560 --> 00:25:28,119
Speaker 1: tell me your story because I had posted something around

425
00:25:28,119 --> 00:25:31,520
Speaker 1: Black History Time Black History Mother in February and she

426
00:25:31,680 --> 00:25:33,480
Speaker 1: was like, oh, I love it. She's like, I'm gonna

427
00:25:33,680 --> 00:25:36,080
Speaker 1: I'm gonna post it now. I'm gonna be honest with you,

428
00:25:36,160 --> 00:25:38,080
Speaker 1: I didn't know what the shade room was at the

429
00:25:38,119 --> 00:25:40,720
Speaker 1: time or what it could do, like the power of

430
00:25:40,760 --> 00:25:45,320
Speaker 1: the shade room, but that took our business from I

431
00:25:45,359 --> 00:25:48,840
Speaker 1: would say, like a high five take your business to

432
00:25:49,280 --> 00:25:53,399
Speaker 1: a six figure now seventh figure business. So I really

433
00:25:53,400 --> 00:25:56,080
Speaker 1: do credit just social media for blowing it all the

434
00:25:56,080 --> 00:25:59,639
Speaker 1: way up because so many people, particularly black women, need

435
00:25:59,720 --> 00:26:02,280
Speaker 1: help student loan debt. I'm a black woman and they're

436
00:26:02,320 --> 00:26:04,680
Speaker 1: able to identify and then you know, we go from there.

437
00:26:04,720 --> 00:26:08,800
Speaker 1: So yeah, that's dope. That is very dope because listen,

438
00:26:08,920 --> 00:26:11,879
Speaker 1: everybody we know. I don't know anybody who doesn't have

439
00:26:11,960 --> 00:26:14,159
Speaker 1: student loan debt unless they just even people who just

440
00:26:14,200 --> 00:26:16,120
Speaker 1: went to a tech school or something like that. That That everybody,

441
00:26:17,000 --> 00:26:20,320
Speaker 1: we're student loan debt um. And I was telling Tam

442
00:26:20,359 --> 00:26:23,400
Speaker 1: earlier that black women like, yeah, we got the most degrees,

443
00:26:23,480 --> 00:26:26,520
Speaker 1: we got the doctorate degrees, all the ship dhds, but

444
00:26:26,600 --> 00:26:29,119
Speaker 1: we go into relationships with a lot of debt that

445
00:26:29,240 --> 00:26:32,880
Speaker 1: maybe our male counterparts and don't come with m Well,

446
00:26:32,920 --> 00:26:35,199
Speaker 1: we could talk about that because I do what I

447
00:26:35,240 --> 00:26:38,240
Speaker 1: call late night series on my page and we start

448
00:26:38,280 --> 00:26:40,720
Speaker 1: talking at the tipping him the kids to sleep, if

449
00:26:40,760 --> 00:26:42,920
Speaker 1: I say, you know, I started talking to me in

450
00:26:43,280 --> 00:26:46,520
Speaker 1: mentor women about like the debt, particularly they're student loan

451
00:26:46,600 --> 00:26:49,640
Speaker 1: debt could be affecting their relationships and the quality there.

452
00:26:50,480 --> 00:26:52,480
Speaker 1: Like you, you're laying next to this nigger, you like,

453
00:26:52,520 --> 00:26:54,960
Speaker 1: you don't even like him, but you in the struggle,

454
00:26:55,080 --> 00:26:57,679
Speaker 1: You're in the hardship. So you might be dating people

455
00:26:58,200 --> 00:27:01,800
Speaker 1: entertaining people. You know what if you weren't broke based

456
00:27:01,840 --> 00:27:07,439
Speaker 1: on yes and self esteem and circumstance, I would you selfuesteem?

457
00:27:07,440 --> 00:27:10,639
Speaker 1: You might think that, but your money got you in

458
00:27:10,680 --> 00:27:17,439
Speaker 1: this location with Gertrude, ugly Gertrude, like a woman that

459
00:27:17,520 --> 00:27:23,159
Speaker 1: sounds like an ugly nig. Somebody Gertrude, that ain't a

460
00:27:23,200 --> 00:27:28,600
Speaker 1: woman's name. Give the sex in this case? Wait, wait,

461
00:27:28,640 --> 00:27:30,600
Speaker 1: we don't know what people doing strange these days could

462
00:27:30,600 --> 00:27:33,640
Speaker 1: be you're a sex I don't know. Pointed people are

463
00:27:33,720 --> 00:27:36,880
Speaker 1: with people because they can't afford the lifestyle they want.

464
00:27:37,000 --> 00:27:38,800
Speaker 1: And you know, I think students are a big part

465
00:27:38,800 --> 00:27:41,239
Speaker 1: of it. It may never say it, but they know,

466
00:27:43,160 --> 00:27:47,280
Speaker 1: all right, what advice would you give students when they're

467
00:27:47,280 --> 00:27:51,360
Speaker 1: applying for loans versus you know already in debt? So

468
00:27:51,520 --> 00:27:56,200
Speaker 1: I so I have a philosophy, So borrowing determination equals

469
00:27:56,240 --> 00:28:01,399
Speaker 1: career compensation, meaning you should only borrow your career is

470
00:28:01,440 --> 00:28:05,439
Speaker 1: expected to pay back times too. So for example, a

471
00:28:05,440 --> 00:28:08,679
Speaker 1: lot of our students, particularly our black students, go to

472
00:28:08,800 --> 00:28:12,080
Speaker 1: schools that are not affordable. And I love our HBCUTH,

473
00:28:12,160 --> 00:28:16,280
Speaker 1: I really do. But the challenges when you're saying that

474
00:28:16,359 --> 00:28:19,240
Speaker 1: you want to go to school in school called sixty

475
00:28:19,280 --> 00:28:23,000
Speaker 1: thousand a year, but your financial aid is only twenty thousand,

476
00:28:23,440 --> 00:28:27,119
Speaker 1: where is that forty cople from? And so then what

477
00:28:27,240 --> 00:28:30,119
Speaker 1: happens is your mom. Let's say your mom is in

478
00:28:30,200 --> 00:28:33,359
Speaker 1: her forties, fifties, she got her credit together at this point.

479
00:28:33,440 --> 00:28:36,560
Speaker 1: Right now mom has to leverage her credit for a

480
00:28:36,600 --> 00:28:40,440
Speaker 1: private loan, apparent plus loan, or pull equity out of

481
00:28:40,480 --> 00:28:43,480
Speaker 1: her home. So then the cycle of debt starts all

482
00:28:43,560 --> 00:28:46,480
Speaker 1: over again when mom just got out at age forty

483
00:28:46,520 --> 00:28:50,160
Speaker 1: and fifty maybe from her own student a day. So

484
00:28:50,200 --> 00:28:52,360
Speaker 1: it's really a real cycle. So I often when I

485
00:28:52,400 --> 00:28:54,640
Speaker 1: talked to students in the high school setting, I try

486
00:28:54,680 --> 00:28:58,200
Speaker 1: to set realistic expectations about college costs. I'm like, if

487
00:28:58,200 --> 00:29:00,840
Speaker 1: you need to go to community, it's a kay first.

488
00:29:00,840 --> 00:29:04,000
Speaker 1: So here's the big heck. The same professors that teach

489
00:29:04,000 --> 00:29:07,360
Speaker 1: at the community college teach at the four year institutions.

490
00:29:07,600 --> 00:29:09,800
Speaker 1: They're just on a different day at a different price.

491
00:29:10,080 --> 00:29:13,800
Speaker 1: That's number one. Number two. The other thing is we

492
00:29:13,840 --> 00:29:15,920
Speaker 1: have to start looking at our state schools. Our state

493
00:29:15,960 --> 00:29:19,560
Speaker 1: schools are really nice, they're really well funded, but nobody

494
00:29:19,600 --> 00:29:21,360
Speaker 1: wants to go to the state school They want to

495
00:29:21,360 --> 00:29:25,440
Speaker 1: go to the bigger schools, private institutions. And then when

496
00:29:25,440 --> 00:29:29,400
Speaker 1: we see students leaving with eighty thousand, one hundred thousand

497
00:29:29,800 --> 00:29:33,240
Speaker 1: and student loan debt for a bachelor's degree, now you

498
00:29:33,280 --> 00:29:36,160
Speaker 1: can't get no home again, depend on where you want

499
00:29:36,160 --> 00:29:38,120
Speaker 1: to live, the type of job, and your car not.

500
00:29:38,360 --> 00:29:40,800
Speaker 1: Is like, it's like so many things that are impacted

501
00:29:40,800 --> 00:29:43,480
Speaker 1: by those four years. Yeah, you know, I don't. I

502
00:29:43,480 --> 00:29:47,440
Speaker 1: don't even feel like student loans actually exist. I mean

503
00:29:47,480 --> 00:29:51,480
Speaker 1: because no, I mean, I know they exist. But what

504
00:29:51,520 --> 00:29:55,600
Speaker 1: I'm saying is, can our economy, can our government actually

505
00:29:55,680 --> 00:29:57,600
Speaker 1: pay for every person who goes to fill out of

506
00:29:57,680 --> 00:30:00,600
Speaker 1: fast for and apply to college as to college and

507
00:30:00,640 --> 00:30:03,720
Speaker 1: get accepted to go to school. Is there really enough money?

508
00:30:03,720 --> 00:30:07,680
Speaker 1: Because suppose every every teenager goes to college, right, it's

509
00:30:07,720 --> 00:30:11,040
Speaker 1: really like a cash advance on your future paychecks. That's

510
00:30:11,040 --> 00:30:15,520
Speaker 1: how I see it. Does the money actually even exist? Yes?

511
00:30:15,600 --> 00:30:18,239
Speaker 1: And no, So let's talk about that. So here's the

512
00:30:18,240 --> 00:30:21,000
Speaker 1: thing everybody wants right now, the Biden administration to get

513
00:30:21,080 --> 00:30:23,000
Speaker 1: rid of to their own debt. But the reason why

514
00:30:23,000 --> 00:30:26,480
Speaker 1: that's not going to happen. Yeah, the reason why that's

515
00:30:26,520 --> 00:30:29,600
Speaker 1: probably not going to happen to me be positive, possibly

516
00:30:29,680 --> 00:30:32,640
Speaker 1: not going to be I've been here, is because there

517
00:30:32,840 --> 00:30:38,080
Speaker 1: is no solution to stop the new generation, your cousins

518
00:30:38,080 --> 00:30:40,560
Speaker 1: and your brothers, and your friends and family members from

519
00:30:40,600 --> 00:30:43,240
Speaker 1: taking on debt. So how are we going to eliminate

520
00:30:43,280 --> 00:30:46,280
Speaker 1: the existing debt? But we haven't even started, you know,

521
00:30:46,360 --> 00:30:49,120
Speaker 1: a solution for the problem for people going to school

522
00:30:49,120 --> 00:30:53,800
Speaker 1: to spring what this fall? So until we answer that question,

523
00:30:53,960 --> 00:30:56,400
Speaker 1: we can't answer the question of what to do if

524
00:30:56,440 --> 00:30:59,560
Speaker 1: you already have the debt. So just they're creating new debt.

525
00:30:59,600 --> 00:31:03,480
Speaker 1: It's like a circle. Yea. So it's like, yeah, and

526
00:31:03,920 --> 00:31:06,320
Speaker 1: here's the thing. I believe that the government could do

527
00:31:06,360 --> 00:31:09,320
Speaker 1: it because we have not paid student loans in two

528
00:31:09,440 --> 00:31:14,160
Speaker 1: years as a country. Did anybody die out, like maybe

529
00:31:14,160 --> 00:31:18,560
Speaker 1: anybody gave no life went away? And so because life

530
00:31:18,560 --> 00:31:21,800
Speaker 1: went on, it just goes to show you, it's possible.

531
00:31:22,160 --> 00:31:24,120
Speaker 1: It's just it's it's something. But let me just say this.

532
00:31:24,680 --> 00:31:26,280
Speaker 1: You know people hate when I talk like this. I

533
00:31:26,280 --> 00:31:30,040
Speaker 1: don't really here. If you were to eliminate student loan debt,

534
00:31:30,360 --> 00:31:32,960
Speaker 1: who is most disproportionately effective I still a loan debt.

535
00:31:33,560 --> 00:31:37,640
Speaker 1: I'll answer for you. Yeah, minorities, black people, particularly black women.

536
00:31:38,000 --> 00:31:40,280
Speaker 1: But you gotta remember still alan that is tied to

537
00:31:40,840 --> 00:31:45,160
Speaker 1: home ownerships, real estate investing. So you mean to tell

538
00:31:45,200 --> 00:31:48,120
Speaker 1: me you won't let the person in this country that's

539
00:31:48,160 --> 00:31:54,760
Speaker 1: most agreed be out here in these streets with no debt. Exactly. Yeah,

540
00:31:54,760 --> 00:31:57,320
Speaker 1: I don't even sound right out loud. So we got

541
00:31:57,360 --> 00:31:59,080
Speaker 1: for Nest, all right, we got for Nest, and well

542
00:31:59,120 --> 00:32:01,160
Speaker 1: I didn't, but a lot of people, a lot of

543
00:32:01,160 --> 00:32:03,720
Speaker 1: black people, particularly god Finesse in the last election because

544
00:32:03,720 --> 00:32:06,400
Speaker 1: they thought that Biden wouldn't want to come through and

545
00:32:06,440 --> 00:32:11,480
Speaker 1: just cancel student on debt or you said a certain amount. Yeah,

546
00:32:11,520 --> 00:32:15,120
Speaker 1: but again, yeah, politicians say a lot of things, and

547
00:32:15,200 --> 00:32:17,600
Speaker 1: oftentimes they don't deliver on the on the promises they

548
00:32:17,600 --> 00:32:20,640
Speaker 1: tell the people to get that vote. So what do

549
00:32:20,640 --> 00:32:22,840
Speaker 1: you think we can do distance as students, because I

550
00:32:22,880 --> 00:32:25,320
Speaker 1: know it affects maybe the millennials and gen Z the

551
00:32:25,360 --> 00:32:28,240
Speaker 1: most right, right, So we just got this big gas

552
00:32:28,280 --> 00:32:30,560
Speaker 1: weight over our heads for the rest of our lives

553
00:32:30,840 --> 00:32:33,080
Speaker 1: lives essentially because y'all, Nick is getting fired allars from

554
00:32:33,120 --> 00:32:36,880
Speaker 1: me every month for the rest of my life. You but, like,

555
00:32:37,400 --> 00:32:41,360
Speaker 1: what do we do to leverage leverage the vote in

556
00:32:41,400 --> 00:32:44,080
Speaker 1: the future and even from this current decision? You know

557
00:32:44,120 --> 00:32:46,840
Speaker 1: what I'm saying, Like, do we need to then lobby

558
00:32:48,200 --> 00:32:52,600
Speaker 1: gen Z and uh, millennials need the non lobby. I

559
00:32:52,680 --> 00:32:55,760
Speaker 1: do believe we do need to start holding these politicians,

560
00:32:56,000 --> 00:32:59,760
Speaker 1: particularly this administration, accountable, and we do that by with

561
00:33:00,000 --> 00:33:02,400
Speaker 1: old than our vote. We do that by lobbying. We

562
00:33:02,480 --> 00:33:04,720
Speaker 1: do that by being more vocal on the state level,

563
00:33:05,160 --> 00:33:07,280
Speaker 1: right because there's money and funding that could help, because

564
00:33:07,280 --> 00:33:11,160
Speaker 1: different states are creating different programs to get there Millennials

565
00:33:11,200 --> 00:33:13,800
Speaker 1: and gen Z out of debt. The other thing is too,

566
00:33:14,120 --> 00:33:16,640
Speaker 1: we are also not just wait on the government. And

567
00:33:16,680 --> 00:33:18,320
Speaker 1: so what I tell people is you don't have a

568
00:33:18,320 --> 00:33:21,719
Speaker 1: student loan problem. You have streams and income problem. And

569
00:33:21,760 --> 00:33:23,440
Speaker 1: people get a little offended when I say that, But

570
00:33:23,440 --> 00:33:25,680
Speaker 1: what I mean by that is is that you can't

571
00:33:25,680 --> 00:33:28,840
Speaker 1: rely on as a millennial or a gen Z to

572
00:33:29,080 --> 00:33:32,360
Speaker 1: just have one job that's gonna take care all your needs.

573
00:33:32,400 --> 00:33:35,480
Speaker 1: I've never seen it, like even if you make six figures,

574
00:33:36,040 --> 00:33:38,960
Speaker 1: you know, positive living has gone up. You need to

575
00:33:39,040 --> 00:33:43,080
Speaker 1: have your job pay for your bare expenses. But then

576
00:33:43,120 --> 00:33:46,320
Speaker 1: you need another stream, and it's a job stream of

577
00:33:46,360 --> 00:33:49,480
Speaker 1: income you can attach to your student loan debt. Particularly

578
00:33:49,520 --> 00:33:52,880
Speaker 1: for women. The psychology is men don't have as much

579
00:33:53,200 --> 00:33:56,240
Speaker 1: student loan debt because they like laser focus and get

580
00:33:56,320 --> 00:34:00,360
Speaker 1: rid of it right. Women do not separate student loan

581
00:34:00,440 --> 00:34:05,360
Speaker 1: debt from their other expenses, therefore not prioritizing it. So

582
00:34:05,440 --> 00:34:08,040
Speaker 1: I've been teaching women to say, hey, if you were

583
00:34:08,120 --> 00:34:12,160
Speaker 1: to start doing I'm making this up uber on the weekends, right,

584
00:34:12,640 --> 00:34:15,520
Speaker 1: that uber money goes straight to your student loan payment.

585
00:34:16,160 --> 00:34:18,840
Speaker 1: So a woman can can do something like that because

586
00:34:18,840 --> 00:34:20,680
Speaker 1: we're saying, okay, this is separate money. This is an

587
00:34:20,719 --> 00:34:22,960
Speaker 1: avenue for that money. So I think it's really just

588
00:34:23,000 --> 00:34:27,440
Speaker 1: about teaching people, you know, one to hold our administration accountable,

589
00:34:27,600 --> 00:34:30,920
Speaker 1: but to not just wait on them to do something.

590
00:34:31,320 --> 00:34:34,040
Speaker 1: What can you do with your gifts and talents that

591
00:34:34,200 --> 00:34:37,120
Speaker 1: you get paid for at your job and you know,

592
00:34:37,160 --> 00:34:40,320
Speaker 1: and and the word entrepreneurship can be scary for some people.

593
00:34:40,640 --> 00:34:43,200
Speaker 1: But what can you do to bring an additional income

594
00:34:43,640 --> 00:34:45,680
Speaker 1: to to live the life that you want to live.

595
00:34:46,120 --> 00:34:48,680
Speaker 1: I wish they could go ahead and fucking repossess my

596
00:34:48,719 --> 00:34:51,799
Speaker 1: motherfucking degree at where I put it out on the

597
00:34:51,840 --> 00:34:57,600
Speaker 1: curved fool exactly, I'm picking up. It's not well, you

598
00:34:57,640 --> 00:34:59,640
Speaker 1: know what, here's the things I got A few degrees.

599
00:35:00,080 --> 00:35:02,520
Speaker 1: I do better with this. I think that, you know,

600
00:35:02,719 --> 00:35:06,239
Speaker 1: having a college degree is um and honor, like, it

601
00:35:06,680 --> 00:35:09,560
Speaker 1: says something about you and it makes your family proud,

602
00:35:09,920 --> 00:35:14,760
Speaker 1: particularly because we are still um, not many generations away

603
00:35:14,840 --> 00:35:19,120
Speaker 1: from our parents and grandparents not having access to college. Right,

604
00:35:19,920 --> 00:35:22,400
Speaker 1: So let me just see my story, quick story. My

605
00:35:22,480 --> 00:35:25,440
Speaker 1: grandmother is um when she passed on. But she was

606
00:35:25,480 --> 00:35:29,840
Speaker 1: one of seven and so it's fine. She trust me.

607
00:35:29,880 --> 00:35:32,600
Speaker 1: She had a great life, so don't be short. Her

608
00:35:32,840 --> 00:35:36,000
Speaker 1: uncle had they were in South Carolina, had pulled them

609
00:35:36,000 --> 00:35:39,240
Speaker 1: all together, all seven of them, and said, you guys

610
00:35:39,280 --> 00:35:42,200
Speaker 1: need to vote which one is going to be sent

611
00:35:42,280 --> 00:35:45,760
Speaker 1: to college. Now, remember this is back in the fifties.

612
00:35:45,800 --> 00:35:49,879
Speaker 1: Ain't no financialating all that other stuff, right, So they

613
00:35:50,040 --> 00:35:53,239
Speaker 1: voted for forties or fifties at this time. I can't

614
00:35:53,239 --> 00:35:55,800
Speaker 1: remember them in the forties, they voted for my grandmother

615
00:35:55,920 --> 00:35:58,000
Speaker 1: to be the one to go to college, so she

616
00:35:58,040 --> 00:35:59,760
Speaker 1: went to college. She said it was a big burden

617
00:35:59,760 --> 00:36:02,719
Speaker 1: on her back to graduate because obviously, you know, she

618
00:36:02,840 --> 00:36:06,479
Speaker 1: got picked and he cash paid. So then she became

619
00:36:06,520 --> 00:36:09,239
Speaker 1: a school teacher. So then she made sure that the

620
00:36:09,320 --> 00:36:13,080
Speaker 1: rest of my uncles and my mom um went to

621
00:36:13,120 --> 00:36:16,840
Speaker 1: school or the military. So I grew up knowing only

622
00:36:16,920 --> 00:36:19,880
Speaker 1: one of two choices, and my family either had to

623
00:36:19,920 --> 00:36:22,920
Speaker 1: go to college or the military because that's what she

624
00:36:23,080 --> 00:36:25,520
Speaker 1: was told. So it was a lot of pressure from up.

625
00:36:26,040 --> 00:36:28,640
Speaker 1: In hindsight, when I think about, like all my gifts

626
00:36:28,640 --> 00:36:32,440
Speaker 1: and talents, do what I have needed to really go

627
00:36:32,520 --> 00:36:35,520
Speaker 1: to college. Like me personally, I've been hustling since I

628
00:36:35,560 --> 00:36:37,200
Speaker 1: was a little girl because I never wanted to ask

629
00:36:37,200 --> 00:36:39,359
Speaker 1: my mom for no money. I was doing all types

630
00:36:39,360 --> 00:36:42,480
Speaker 1: of stuff outside, making take carnival rides for dollars. You know,

631
00:36:42,760 --> 00:36:45,520
Speaker 1: I never wanted the world. You know, it's the story

632
00:36:45,560 --> 00:36:49,040
Speaker 1: for another day. But the point is I was always testling,

633
00:36:49,080 --> 00:36:50,799
Speaker 1: Like I would be the girl that would bag up

634
00:36:50,840 --> 00:36:53,600
Speaker 1: the candy. I had a little candy, and then you

635
00:36:53,880 --> 00:36:57,400
Speaker 1: I would buy them and rebag them because you know,

636
00:36:57,520 --> 00:36:59,319
Speaker 1: you should have went to the story that morning. That's

637
00:36:59,320 --> 00:37:02,600
Speaker 1: your fault. So but I got I got it for

638
00:37:02,680 --> 00:37:04,560
Speaker 1: you right now, I don't even know this, not even selling.

639
00:37:05,760 --> 00:37:12,840
Speaker 1: Let me find out she got that tapped on the candy. Listen,

640
00:37:12,920 --> 00:37:16,280
Speaker 1: I'm so glad my mom always a nice neighborhood because

641
00:37:16,520 --> 00:37:18,239
Speaker 1: you could have had me back something. Now, See how

642
00:37:18,760 --> 00:37:23,760
Speaker 1: acceptible I could have been, right opportunists? And I remember

643
00:37:23,840 --> 00:37:26,040
Speaker 1: I got caught in school with the kendy like I

644
00:37:26,080 --> 00:37:28,920
Speaker 1: had a book bag of kids, right, and the teacher

645
00:37:29,080 --> 00:37:31,440
Speaker 1: was like, wait, what are you doing? So it's I

646
00:37:31,440 --> 00:37:34,439
Speaker 1: gotta get out of this situation. So I was like,

647
00:37:34,760 --> 00:37:37,439
Speaker 1: I said, well listen, I was like, my mom looked

648
00:37:37,440 --> 00:37:39,120
Speaker 1: I hit him with I think my mom's the only

649
00:37:39,560 --> 00:37:41,799
Speaker 1: I was like, my mom's a single mom. I was like,

650
00:37:41,840 --> 00:37:44,480
Speaker 1: and I can't ask her for lunch this week. So

651
00:37:44,520 --> 00:37:46,840
Speaker 1: I had to sell my candy. Do you want to

652
00:37:46,880 --> 00:37:57,040
Speaker 1: buy some kiddy? Period? Hear me? We only had two

653
00:37:57,080 --> 00:37:59,160
Speaker 1: choices today, So what are we gonna do here? Stop?

654
00:37:59,920 --> 00:38:01,880
Speaker 1: Or it could be worser, could be worse. I was

655
00:38:01,920 --> 00:38:06,040
Speaker 1: telling something else some bad So anyway, the point is, um,

656
00:38:06,080 --> 00:38:08,960
Speaker 1: if if you if you think about that, like I

657
00:38:09,040 --> 00:38:12,800
Speaker 1: always was selling or creating some experience, right, I really

658
00:38:12,800 --> 00:38:15,879
Speaker 1: liked money, said I was little, Long city short. If

659
00:38:15,920 --> 00:38:20,640
Speaker 1: my mom had knew better and and if entrepreneurship is

660
00:38:20,680 --> 00:38:23,319
Speaker 1: what it is now, back then I could have just

661
00:38:23,520 --> 00:38:25,880
Speaker 1: you know, been a millionaire long time ago, you know.

662
00:38:26,719 --> 00:38:28,919
Speaker 1: So I'm gonna just forgive her for that, you know.

663
00:38:29,280 --> 00:38:31,680
Speaker 1: And I think that's what the new generation is leaning towards,

664
00:38:31,719 --> 00:38:34,360
Speaker 1: because we went to college because you know, some of

665
00:38:34,400 --> 00:38:36,680
Speaker 1: our parents didn't. I know, Tam, your parents went to college,

666
00:38:36,920 --> 00:38:38,560
Speaker 1: but my mom didn't go to college, So they're gonna

667
00:38:38,600 --> 00:38:41,600
Speaker 1: push you out here. But now our generation is leading,

668
00:38:41,719 --> 00:38:46,560
Speaker 1: leaning more towards ownership entrepreneurships. I feel like the newer kids,

669
00:38:46,600 --> 00:38:49,800
Speaker 1: like the younger kids are going to like, yeah, you

670
00:38:49,840 --> 00:38:52,719
Speaker 1: can go to college, but maybe college isn't for you.

671
00:38:52,760 --> 00:38:54,680
Speaker 1: Like personally, I wish I would have went to college

672
00:38:54,760 --> 00:38:57,520
Speaker 1: later in life, like now you know what I'm saying,

673
00:38:57,520 --> 00:39:00,400
Speaker 1: Oh my my late twenties instead of like right all right,

674
00:39:00,680 --> 00:39:03,400
Speaker 1: right out of high school because I wasn't as focused,

675
00:39:03,880 --> 00:39:08,880
Speaker 1: so I wasted money. Well, definitely did two sophomore years.

676
00:39:09,280 --> 00:39:12,160
Speaker 1: Fucking off. You said you let you left out a

677
00:39:12,200 --> 00:39:14,920
Speaker 1: sophomore year, No I did. I did my sophomore year

678
00:39:14,960 --> 00:39:20,920
Speaker 1: twice because the first year I was outside Tuesday, Wednesday, Thursday, Friday, Saturday,

679
00:39:21,000 --> 00:39:25,759
Speaker 1: Sunday class, all right, here for class, and we both

680
00:39:26,600 --> 00:39:30,560
Speaker 1: exactly we both went to a private black HBCU that

681
00:39:30,880 --> 00:39:34,960
Speaker 1: at the time, that ship was eighteen thousand dollars a

682
00:39:35,040 --> 00:39:38,560
Speaker 1: semester a semester. It was so expensive, and I was

683
00:39:38,600 --> 00:39:41,120
Speaker 1: out there sucking off. I did not have no I'm

684
00:39:41,200 --> 00:39:43,359
Speaker 1: dying it was eighteen thousand a year at the time,

685
00:39:43,360 --> 00:39:46,200
Speaker 1: because I remember, like I'm looking at my awards letter

686
00:39:46,280 --> 00:39:49,960
Speaker 1: right now, seventy six six six six, like seven thou

687
00:39:50,080 --> 00:39:54,919
Speaker 1: year this year was this I started to oh two,

688
00:39:55,600 --> 00:40:00,760
Speaker 1: so thousand for the year because I went to school

689
00:40:00,800 --> 00:40:04,719
Speaker 1: and then kept going up. Oh five, Yeah, that's about right,

690
00:40:04,760 --> 00:40:07,920
Speaker 1: that's all right. Yeah, that's still a lot of money though. Yeah.

691
00:40:07,960 --> 00:40:11,239
Speaker 1: It was especially to just be playing with If I

692
00:40:11,280 --> 00:40:13,400
Speaker 1: had the sense I have now, I would have graduated

693
00:40:13,440 --> 00:40:17,640
Speaker 1: in two years instead of five. Exactly. You know. I

694
00:40:17,760 --> 00:40:21,560
Speaker 1: think it's the thing, you know, the college experience, if

695
00:40:21,640 --> 00:40:25,480
Speaker 1: done correctly, can never be redone in life. Like it is.

696
00:40:26,520 --> 00:40:29,759
Speaker 1: It is something that you will like literally, I had

697
00:40:29,800 --> 00:40:32,160
Speaker 1: a kick back last night and it was with my

698
00:40:32,280 --> 00:40:35,480
Speaker 1: college friends and I remember it was so nostalgic, like,

699
00:40:35,760 --> 00:40:38,560
Speaker 1: y'all remember we used to do this and we've grown now, right. So,

700
00:40:39,320 --> 00:40:43,520
Speaker 1: but that experience and those friendships and those relationships and

701
00:40:43,520 --> 00:40:46,000
Speaker 1: then even if you really do it right, leverage them

702
00:40:46,040 --> 00:40:49,960
Speaker 1: into your professional space. Um. For that reason, I wouldn't

703
00:40:50,000 --> 00:40:54,320
Speaker 1: take back going to college. For that reason. The educational component,

704
00:40:54,360 --> 00:41:01,160
Speaker 1: I can't you know, the friends, that's a I think

705
00:41:01,160 --> 00:41:03,680
Speaker 1: it was just friendships and then learning people like I'm

706
00:41:03,680 --> 00:41:07,160
Speaker 1: gonna be honest with you. Go to college was the

707
00:41:07,160 --> 00:41:09,719
Speaker 1: first time I really interacted with white people because I'm

708
00:41:09,719 --> 00:41:12,600
Speaker 1: from the inner city of Philly, so I I might

709
00:41:12,640 --> 00:41:14,799
Speaker 1: see one or two in high school and they were

710
00:41:14,840 --> 00:41:18,000
Speaker 1: trying to be black. These was real white people and

711
00:41:18,040 --> 00:41:23,320
Speaker 1: they've seen me either, you know. Then Oh my god,

712
00:41:23,400 --> 00:41:26,719
Speaker 1: like literally the girl, my roommate, her mom and dad

713
00:41:26,840 --> 00:41:29,839
Speaker 1: was so scared and I had ex her. I said, well,

714
00:41:29,840 --> 00:41:32,240
Speaker 1: what do you know about black peopley what did you see?

715
00:41:33,080 --> 00:41:42,359
Speaker 1: And y'all remember New York reference, Yes, I said, Oh,

716
00:41:42,600 --> 00:41:46,000
Speaker 1: we're gonna he no. So I asked, I said, have

717
00:41:46,080 --> 00:41:52,600
Speaker 1: you ever seen the cars piece right right here? She

718
00:41:52,760 --> 00:41:54,200
Speaker 1: was like no. I said, well, that's why I want

719
00:41:54,239 --> 00:41:56,439
Speaker 1: you to do this weekend. I want you to watch

720
00:41:56,480 --> 00:42:02,719
Speaker 1: a few episodes with your parents right over sides. She

721
00:42:02,880 --> 00:42:06,760
Speaker 1: was like, she was like, okay, she came back. Girl.

722
00:42:07,320 --> 00:42:09,520
Speaker 1: It was they have brought me some brownies now to

723
00:42:09,600 --> 00:42:11,560
Speaker 1: eat them though, because I don't know them. But it

724
00:42:11,680 --> 00:42:14,359
Speaker 1: was nice though. They brought me some brownies and we

725
00:42:14,360 --> 00:42:17,359
Speaker 1: were able to get along better because all she saw

726
00:42:17,560 --> 00:42:20,120
Speaker 1: was red and TV. She would have never known about

727
00:42:20,160 --> 00:42:22,879
Speaker 1: the cosmies, and I think it made it feel better. Yeah,

728
00:42:22,960 --> 00:42:28,040
Speaker 1: that's funny. Hi. Uh, my parents brought some fried chicken

729
00:42:28,080 --> 00:42:33,400
Speaker 1: and watermelon for you back because we heard you like that.

730
00:42:35,280 --> 00:42:37,440
Speaker 1: They bought me brownie. Said that was staked. If they

731
00:42:37,440 --> 00:42:39,960
Speaker 1: would have been some fried chicken. Oh hell no, like,

732
00:42:40,440 --> 00:42:43,920
Speaker 1: oh my god, how did not even eat it? They

733
00:42:43,960 --> 00:42:54,640
Speaker 1: brought brownies for a brownie you order something? Her Facebook message,

734
00:42:54,640 --> 00:42:59,759
Speaker 1: I got time, so listen. What are some things that

735
00:43:00,000 --> 00:43:05,200
Speaker 1: I from consolidating? Because I never consolidated my student student loans? Okay,

736
00:43:05,200 --> 00:43:08,040
Speaker 1: So two part questions? Is it okay? Just should you

737
00:43:08,120 --> 00:43:12,400
Speaker 1: consolidate with a third party lender? Um? If not, what

738
00:43:12,480 --> 00:43:16,040
Speaker 1: are some other things you can do aside from repaying

739
00:43:16,040 --> 00:43:19,879
Speaker 1: that's with yourself or consolidating? Was because I got a

740
00:43:19,880 --> 00:43:22,319
Speaker 1: few ideas myself. But I just have an executed I'm

741
00:43:22,320 --> 00:43:24,840
Speaker 1: gonna give you all a big heck that I only teach,

742
00:43:24,960 --> 00:43:26,440
Speaker 1: and I'm nevern being funny when I say this. Now

743
00:43:26,760 --> 00:43:30,880
Speaker 1: when I get paid thousands of dollars. So and this

744
00:43:31,040 --> 00:43:33,800
Speaker 1: is everybody listening, and they really smart deal like Paul

745
00:43:33,800 --> 00:43:35,799
Speaker 1: of the podcast and go run and play and come

746
00:43:35,880 --> 00:43:38,279
Speaker 1: right back. So here's the thing I want to talk

747
00:43:38,280 --> 00:43:40,040
Speaker 1: about the first question though, because it's where people get

748
00:43:40,040 --> 00:43:44,080
Speaker 1: in trouble. Consolidating with the federal lender is okay when

749
00:43:44,080 --> 00:43:46,680
Speaker 1: you talk about refinancing your loan with somebody out of

750
00:43:46,760 --> 00:43:48,600
Speaker 1: the federal space, because they try to make it seem

751
00:43:48,600 --> 00:43:51,440
Speaker 1: I guess the same thing that's not okay. Let me

752
00:43:51,480 --> 00:43:53,719
Speaker 1: get an example. I had a client who did not

753
00:43:53,800 --> 00:43:55,640
Speaker 1: want to listen to us. She was like, well, I

754
00:43:55,719 --> 00:43:59,239
Speaker 1: had good credit, I'm gonna refinance my loans. She did

755
00:43:59,239 --> 00:44:01,600
Speaker 1: it right before the endemic. What do you all things

756
00:44:01,640 --> 00:44:03,680
Speaker 1: happened with the pandemic? Kid with her loans because she

757
00:44:03,680 --> 00:44:08,160
Speaker 1: took me from being federal No no, no, not not

758
00:44:08,320 --> 00:44:11,800
Speaker 1: just that she couldn't take a she couldn't take advantage

759
00:44:11,800 --> 00:44:18,239
Speaker 1: of the more matorium, Oh because her ass went private. Kay.

760
00:44:19,000 --> 00:44:21,640
Speaker 1: So two years, she would have had to not make

761
00:44:21,680 --> 00:44:23,600
Speaker 1: a payment, but to make a payment get on top

762
00:44:23,600 --> 00:44:25,839
Speaker 1: of the principle, which was what I hope people did

763
00:44:25,920 --> 00:44:27,759
Speaker 1: during this pandemic. I know they didn't, but I hope

764
00:44:27,760 --> 00:44:30,439
Speaker 1: they did. She couldn't do. She still had to pay

765
00:44:30,840 --> 00:44:35,640
Speaker 1: like she wasn't in mhmm mhm. And that's why I

766
00:44:35,640 --> 00:44:37,880
Speaker 1: tell people you have a lot of STUDI loan that

767
00:44:37,960 --> 00:44:39,839
Speaker 1: I don't care if you got a good credit, leave

768
00:44:39,960 --> 00:44:45,480
Speaker 1: them in the federal space because if UH signed Executive

769
00:44:45,520 --> 00:44:48,880
Speaker 1: Act gets passed tomorrow, your asks ain't a part of it.

770
00:44:50,520 --> 00:44:53,799
Speaker 1: Mm hmm. So that's a part of it all right. Now,

771
00:44:53,880 --> 00:44:55,520
Speaker 1: let me get my hack. This is what I call

772
00:44:56,160 --> 00:44:59,480
Speaker 1: um the entrepreneur loan forgiveness hack. Now you don't have

773
00:44:59,560 --> 00:45:01,759
Speaker 1: to be trepreneur to do it. It just is a

774
00:45:01,760 --> 00:45:04,880
Speaker 1: really good heck that if somebody was thinking about entrepreneurship

775
00:45:05,200 --> 00:45:08,759
Speaker 1: could start their entrepreneur journey. I would recommend it. And

776
00:45:08,800 --> 00:45:14,479
Speaker 1: how the heck goes this basically long story short. Let's say, um, okay,

777
00:45:14,480 --> 00:45:16,320
Speaker 1: guys with ma fac I'm gonnapy, I'm ann pull yeall in.

778
00:45:16,360 --> 00:45:18,880
Speaker 1: For the example, it's better when I post somebody in Okay,

779
00:45:18,880 --> 00:45:21,000
Speaker 1: do you guys, have a business or business your thing

780
00:45:21,000 --> 00:45:24,880
Speaker 1: about starting? Okay, give me, I'm I'm about to play

781
00:45:25,120 --> 00:45:30,640
Speaker 1: all right, talk back the podcast right, and you monetize

782
00:45:30,680 --> 00:45:34,680
Speaker 1: the podcast, right? Okay. Now, let me ask you a question.

783
00:45:34,960 --> 00:45:37,759
Speaker 1: Have you ever thought about doing something really good with

784
00:45:37,880 --> 00:45:41,640
Speaker 1: this podcast in terms of like being a like a giveback,

785
00:45:41,760 --> 00:45:44,279
Speaker 1: like being a good giver in some type of way,

786
00:45:44,400 --> 00:45:46,920
Speaker 1: like anything you ever wanted to do if you if

787
00:45:46,960 --> 00:45:49,160
Speaker 1: money wasn't a thing and you wanted to use this

788
00:45:49,239 --> 00:45:52,840
Speaker 1: platform to give back, what would they look like? Um,

789
00:45:55,120 --> 00:46:02,000
Speaker 1: I don't know, yeah, something that's not monetary. So let

790
00:46:02,040 --> 00:46:03,640
Speaker 1: me give you an example. This is what I do

791
00:46:03,680 --> 00:46:05,080
Speaker 1: for liver it. Let me run a play for y'all.

792
00:46:05,120 --> 00:46:07,279
Speaker 1: So let's say we're gonna donate to us to do

793
00:46:07,360 --> 00:46:10,480
Speaker 1: something with this business, right, No, not your shoe? No no, no,

794
00:46:10,480 --> 00:46:14,560
Speaker 1: no no, don't get ahead now listening, I really teach

795
00:46:14,560 --> 00:46:15,920
Speaker 1: you rele like, so I'm like, no, no, no, come on,

796
00:46:16,000 --> 00:46:19,080
Speaker 1: come back, I listen. Let's say we took this podcast, right,

797
00:46:19,520 --> 00:46:22,120
Speaker 1: and we and we wanted to actually set up in

798
00:46:22,880 --> 00:46:25,759
Speaker 1: it's set up a tour and on the tour we

799
00:46:25,840 --> 00:46:30,360
Speaker 1: had a live episode taping and then the next day

800
00:46:30,480 --> 00:46:32,879
Speaker 1: we had some type of sister circle meet and I'm

801
00:46:32,920 --> 00:46:36,239
Speaker 1: making this all the way up right. M Now, that

802
00:46:36,600 --> 00:46:41,360
Speaker 1: could be paid for through your nonprofit where women, ages,

803
00:46:41,400 --> 00:46:46,239
Speaker 1: whatever whatever could come and could fellowship, could network. That's

804
00:46:46,239 --> 00:46:50,319
Speaker 1: a nonprofit you could start for that. So the podcast

805
00:46:50,520 --> 00:46:53,040
Speaker 1: is your fore profit instity because you are making or

806
00:46:53,080 --> 00:46:55,560
Speaker 1: would like to make profit with this. But let's say

807
00:46:55,600 --> 00:46:58,399
Speaker 1: you really wanted to really touch the women in those

808
00:46:58,400 --> 00:47:02,880
Speaker 1: particular cities and do would call it a talk that kickback?

809
00:47:02,960 --> 00:47:05,399
Speaker 1: I don't know, I'm making this up right, yeah, thank you?

810
00:47:06,280 --> 00:47:11,200
Speaker 1: Yeah right. System. Now let's say you're like, all right,

811
00:47:11,280 --> 00:47:14,040
Speaker 1: I gotta get some sponsors for that, but maybe initially

812
00:47:14,080 --> 00:47:15,719
Speaker 1: you don't have any because they need to see that

813
00:47:15,760 --> 00:47:18,359
Speaker 1: this is a proven concept that works. Once they see

814
00:47:18,400 --> 00:47:20,960
Speaker 1: you go to Atlanta and you put five hundred women

815
00:47:21,000 --> 00:47:24,760
Speaker 1: in the room to just talk about real women ship. Now,

816
00:47:25,160 --> 00:47:27,640
Speaker 1: Cola Cola want to sponsor you, right, but we didn't

817
00:47:27,640 --> 00:47:31,280
Speaker 1: get that far initially. Let's say the venue cast a thousand.

818
00:47:31,719 --> 00:47:35,920
Speaker 1: Let's say refreshments cost five hundred, and um, you extended

819
00:47:36,040 --> 00:47:39,080
Speaker 1: day at the hotel was three hundred. That's eight hundred.

820
00:47:39,120 --> 00:47:44,040
Speaker 1: You'll follow, the for profit would pay the non profit

821
00:47:44,600 --> 00:47:48,440
Speaker 1: the hundred, So Now you just made a really great

822
00:47:48,520 --> 00:47:53,759
Speaker 1: text right off for your for profit number one. Number two,

823
00:47:54,480 --> 00:47:59,440
Speaker 1: guess what you just made you too eligible for donations,

824
00:47:59,520 --> 00:48:02,200
Speaker 1: So get to get paid through the nonprofit. No, let's

825
00:48:02,239 --> 00:48:08,000
Speaker 1: go back to student forgiving. Now you're eligible to enroll

826
00:48:08,120 --> 00:48:12,920
Speaker 1: yourself and the public service now forgiveness programs. You got

827
00:48:13,000 --> 00:48:16,279
Speaker 1: real money coming in. You do take a stiping pay

828
00:48:16,880 --> 00:48:19,520
Speaker 1: other than nonprofit to show you got paid. It is

829
00:48:19,600 --> 00:48:23,640
Speaker 1: not free. And now you're eligible for the forgiveness program.

830
00:48:23,719 --> 00:48:26,439
Speaker 1: And it's little nuances in between there. I'm skipping, of course,

831
00:48:26,760 --> 00:48:30,160
Speaker 1: but basically that's the general concept. And so what I've

832
00:48:30,200 --> 00:48:32,520
Speaker 1: been saying to entrepreneurs because so many people want to

833
00:48:32,520 --> 00:48:35,880
Speaker 1: go into entrepreneurship but are scared because of your student

834
00:48:35,920 --> 00:48:40,440
Speaker 1: loans or whatever. Start your entrepreneurship journey. But I think

835
00:48:40,480 --> 00:48:43,880
Speaker 1: that every entrepreneur, every business should be thinking about what

836
00:48:43,960 --> 00:48:47,960
Speaker 1: I call a nonprofit armed. The nonprofit armed sets you

837
00:48:48,120 --> 00:48:51,040
Speaker 1: up to have taxes written off and sets you up

838
00:48:51,080 --> 00:48:55,000
Speaker 1: to have public service don't forgiveness success. So not only

839
00:48:55,080 --> 00:48:57,719
Speaker 1: are you being a great giver, you're also giving back

840
00:48:57,800 --> 00:49:02,040
Speaker 1: to yourself. Girl, you just the motherfucking juel. Y'all heard

841
00:49:02,360 --> 00:49:07,000
Speaker 1: the bar. Yeah, So we all about to have five

842
00:49:07,040 --> 00:49:11,560
Speaker 1: of one C three is now literally this is what

843
00:49:12,360 --> 00:49:16,600
Speaker 1: this is what the rich, the wealthiest business incorporations do.

844
00:49:17,160 --> 00:49:19,440
Speaker 1: I didn't see anything that was super deep. I just

845
00:49:19,480 --> 00:49:22,160
Speaker 1: said it, so that was tangible for you to be

846
00:49:22,280 --> 00:49:24,440
Speaker 1: able to go do it and run the play. And

847
00:49:24,560 --> 00:49:27,200
Speaker 1: the person that's listened to this as really savvy, they're

848
00:49:27,200 --> 00:49:29,680
Speaker 1: going to go do that because I just told you one.

849
00:49:30,000 --> 00:49:32,960
Speaker 1: Would you rather pay your nonprofits to advance your calls?

850
00:49:33,280 --> 00:49:35,560
Speaker 1: Or would you betther pay the I R s you

851
00:49:36,560 --> 00:49:39,359
Speaker 1: somebody got the money gotta go somewhere. Anyway, mine as

852
00:49:39,400 --> 00:49:46,080
Speaker 1: well go to being a great giver. Interesting, but I've

853
00:49:46,760 --> 00:49:48,480
Speaker 1: I've done a little bit of research on that, but

854
00:49:48,719 --> 00:49:50,680
Speaker 1: obviously I haven't implement in that. I got a lot

855
00:49:50,719 --> 00:49:54,440
Speaker 1: of a lot of students on that. Okay, a lot

856
00:49:54,480 --> 00:49:56,759
Speaker 1: of students on that. I think you guys can do it.

857
00:49:56,920 --> 00:50:00,040
Speaker 1: And you know, the one thing I was looking that

858
00:50:00,360 --> 00:50:06,600
Speaker 1: was the have you heard of this is the borrower about? Yes?

859
00:50:07,840 --> 00:50:10,680
Speaker 1: Mm hmm. I feel like the college we went to,

860
00:50:10,800 --> 00:50:13,040
Speaker 1: the h b c U we went to it was

861
00:50:13,080 --> 00:50:16,480
Speaker 1: a lot of shady ship going on over there. No,

862
00:50:16,640 --> 00:50:18,960
Speaker 1: I believe you. So here's the challenge with the Borrower's

863
00:50:18,960 --> 00:50:23,480
Speaker 1: sense program. There has to be a substantial amount of

864
00:50:23,600 --> 00:50:27,439
Speaker 1: evidence or accusations for the Department that add to look

865
00:50:27,520 --> 00:50:30,719
Speaker 1: at it. So you really had the time to submit application.

866
00:50:30,840 --> 00:50:33,160
Speaker 1: It's not on the instant. But if you got your

867
00:50:33,760 --> 00:50:36,800
Speaker 1: your colleagues at your school, your classmates you're still in

868
00:50:36,880 --> 00:50:40,080
Speaker 1: touch with, to do the same application the same way.

869
00:50:40,600 --> 00:50:43,719
Speaker 1: Now the Department of Education goes, oh, let me see

870
00:50:43,760 --> 00:50:46,640
Speaker 1: what was happening at that that it's private school, and

871
00:50:46,760 --> 00:50:50,279
Speaker 1: that they investigate and ask for the certain things. You

872
00:50:50,360 --> 00:50:53,680
Speaker 1: guys said what was happening to be verified and the

873
00:50:53,760 --> 00:50:57,160
Speaker 1: college couldn't. Then you could present a case for Borrower's defects.

874
00:50:57,520 --> 00:51:00,920
Speaker 1: But then that could uh damage the reputation of the

875
00:51:01,040 --> 00:51:03,839
Speaker 1: institution that they already damaged over there how many times

876
00:51:03,880 --> 00:51:06,560
Speaker 1: it was about to lose accreditation. Have fun and they're

877
00:51:06,600 --> 00:51:10,680
Speaker 1: probably they're probably weren't gonna HBCU though you're not gonna

878
00:51:10,719 --> 00:51:14,440
Speaker 1: do that. They don't care about damn student loans. I

879
00:51:14,560 --> 00:51:18,719
Speaker 1: still love my college. But but but the school closed,

880
00:51:18,760 --> 00:51:21,880
Speaker 1: don't know, I'm joking the school Kirk did they die? Thought? No?

881
00:51:23,320 --> 00:51:26,080
Speaker 1: No school. So here's the thing, let me get a

882
00:51:26,160 --> 00:51:29,000
Speaker 1: real example. It did happen before with I T T Tech.

883
00:51:30,239 --> 00:51:33,560
Speaker 1: So remember when I T T Tech closed down. That's

884
00:51:33,600 --> 00:51:37,480
Speaker 1: why because so many substantial claims came in that the

885
00:51:37,640 --> 00:51:41,200
Speaker 1: government did this. They do what's called pull back. They said,

886
00:51:41,320 --> 00:51:44,279
Speaker 1: you guys can stay open, but you're no mong we're

887
00:51:44,320 --> 00:51:47,839
Speaker 1: going to receive financial aid from us. How many people

888
00:51:47,920 --> 00:51:52,279
Speaker 1: do you think can cash pay right? Zero? So after

889
00:51:52,480 --> 00:51:56,400
Speaker 1: one semester now the school had to close down because

890
00:51:56,480 --> 00:51:59,480
Speaker 1: the government took the financialate away. Would you want to

891
00:51:59,520 --> 00:52:02,800
Speaker 1: be respond possible for the closing of your HBC You

892
00:52:02,880 --> 00:52:06,439
Speaker 1: don't care. Damn no, I wouldn't want that. I think though,

893
00:52:06,600 --> 00:52:09,320
Speaker 1: if it was a real issue and it has a

894
00:52:09,480 --> 00:52:14,040
Speaker 1: nasty bit just working and financially, I can't fly. Like

895
00:52:14,160 --> 00:52:21,680
Speaker 1: I said, they had some nasty financially Like listen, they

896
00:52:21,800 --> 00:52:23,400
Speaker 1: used to be in there trying to handle you as

897
00:52:23,440 --> 00:52:25,520
Speaker 1: if if they don't get your paperwork right, like you

898
00:52:25,600 --> 00:52:28,320
Speaker 1: don't get paid if my paperworking right, ma'am. You know,

899
00:52:28,480 --> 00:52:30,680
Speaker 1: like if you don't get my financially sent you, this

900
00:52:30,800 --> 00:52:32,520
Speaker 1: is how you get paid. So why are you treating

901
00:52:32,560 --> 00:52:36,080
Speaker 1: me like I'm like the problem? You know what I'm saying?

902
00:52:36,120 --> 00:52:37,879
Speaker 1: It was real? You know what I mean over there?

903
00:52:38,239 --> 00:52:40,759
Speaker 1: This is what happens why we don't sometimes properly train

904
00:52:40,800 --> 00:52:43,680
Speaker 1: our stuff. But to the other thing is if you're

905
00:52:43,760 --> 00:52:46,920
Speaker 1: dealing with people that are first new to school for

906
00:52:47,000 --> 00:52:51,040
Speaker 1: the first time, most people um and still they're still first.

907
00:52:52,480 --> 00:52:56,200
Speaker 1: There's there's no edicated on what college experience should be like.

908
00:52:56,600 --> 00:53:00,200
Speaker 1: So now what you did at the doctor's office in

909
00:53:00,320 --> 00:53:03,160
Speaker 1: Philly or what you did at the week office, you

910
00:53:03,320 --> 00:53:04,879
Speaker 1: think it's okay to come to the college and talk

911
00:53:04,920 --> 00:53:07,520
Speaker 1: to these people like that. So then we get dis

912
00:53:07,640 --> 00:53:11,480
Speaker 1: frontal college workers because you got dispontor people coming in

913
00:53:11,880 --> 00:53:15,000
Speaker 1: talking like they're crazy. It's just a cycle. I have

914
00:53:15,440 --> 00:53:17,920
Speaker 1: a whole year that I did not attend college that

915
00:53:17,960 --> 00:53:20,799
Speaker 1: I would charged for. How is that possible? You see

916
00:53:20,840 --> 00:53:23,879
Speaker 1: what I'm saying. No, no, no, that's not legal. No exactly.

917
00:53:24,080 --> 00:53:29,600
Speaker 1: So if I approved that to FED loans, well you

918
00:53:29,719 --> 00:53:32,320
Speaker 1: couldn't for the complaining with the department to add and

919
00:53:32,520 --> 00:53:35,240
Speaker 1: on a case by case, it's possible they could reverse

920
00:53:35,680 --> 00:53:39,000
Speaker 1: those charges for that year. Yeah, if you got a

921
00:53:39,040 --> 00:53:41,160
Speaker 1: whole twenty thousand dollars for a year that you didn't

922
00:53:41,320 --> 00:53:43,320
Speaker 1: you didn't sign any paperwork or nothing for it, and

923
00:53:43,400 --> 00:53:46,160
Speaker 1: there's definitely something Yeah, so I didn't get done. So

924
00:53:46,239 --> 00:53:48,160
Speaker 1: who else did y'all do that too? You see what

925
00:53:48,239 --> 00:53:51,640
Speaker 1: I'm saying. If you're not paying, who else did y'all

926
00:53:51,640 --> 00:53:54,040
Speaker 1: do that too? To get the funds I'm not paying

927
00:53:54,120 --> 00:53:56,200
Speaker 1: for that, I would definitely say something, Yeah for sure.

928
00:53:56,920 --> 00:53:59,399
Speaker 1: So okay, what is a better option and help people

929
00:53:59,520 --> 00:54:03,600
Speaker 1: understand what the difference is when a with a subsidize

930
00:54:03,600 --> 00:54:09,640
Speaker 1: it subsidized and unsubsidized federal student loan. Yeah, So the

931
00:54:09,760 --> 00:54:12,280
Speaker 1: thing is, it's not set up to be an option.

932
00:54:12,400 --> 00:54:14,800
Speaker 1: What it more so set up is and says is

933
00:54:15,400 --> 00:54:19,560
Speaker 1: with this subsidized loan debt um, the government will pay

934
00:54:19,680 --> 00:54:24,120
Speaker 1: part of your interests while you're in school. The unsubsidized says,

935
00:54:24,320 --> 00:54:26,759
Speaker 1: we will let you borrow this money, but we are

936
00:54:26,920 --> 00:54:29,880
Speaker 1: not paying for your interests. And so we find that

937
00:54:30,040 --> 00:54:33,520
Speaker 1: people have to take both loans because they need to

938
00:54:33,600 --> 00:54:36,000
Speaker 1: pay for the total mail. Oh but if you're aver

939
00:54:36,080 --> 00:54:38,799
Speaker 1: in a situation where you have scholarship money and then

940
00:54:38,840 --> 00:54:41,839
Speaker 1: you only have to take out a subsidized loan, that's

941
00:54:41,840 --> 00:54:45,160
Speaker 1: a lot better than taking out both. So some people

942
00:54:45,239 --> 00:54:47,759
Speaker 1: have to take out both. Most people had to take

943
00:54:47,800 --> 00:54:50,000
Speaker 1: out both loans and say it that way, But if

944
00:54:50,080 --> 00:54:52,719
Speaker 1: you ever had the option, then I would do subsidized

945
00:54:52,840 --> 00:54:55,000
Speaker 1: because you want the government to cover the interest. And

946
00:54:55,120 --> 00:54:58,000
Speaker 1: see even like that, you were we remember subsidized and

947
00:54:58,120 --> 00:55:02,000
Speaker 1: unsubsidized on our award letter. But did anybody in financial aid,

948
00:55:02,080 --> 00:55:05,759
Speaker 1: any counselor ever explain to you the difference between the two. No,

949
00:55:06,080 --> 00:55:09,800
Speaker 1: you know, I don't remember. I don't know. And honestly

950
00:55:11,480 --> 00:55:13,160
Speaker 1: I was That's what I'm saying, Just what can I

951
00:55:13,239 --> 00:55:16,000
Speaker 1: do to get in school? What? Yeah, like sund me

952
00:55:16,120 --> 00:55:18,360
Speaker 1: up or whatever so I can stay in school, you know,

953
00:55:18,600 --> 00:55:21,520
Speaker 1: And that's not that's not counseling because mortgage lender wouldn't

954
00:55:21,520 --> 00:55:24,359
Speaker 1: do you like that. You know what I'm saying, right,

955
00:55:24,480 --> 00:55:27,839
Speaker 1: So you took words in my mouth. Uh, Students going

956
00:55:27,880 --> 00:55:30,400
Speaker 1: to school, it's just like older adults trying to buy

957
00:55:30,440 --> 00:55:33,719
Speaker 1: a home. It's the same zest like I just gotta

958
00:55:33,760 --> 00:55:36,400
Speaker 1: get this home. I gotta get into this school. And

959
00:55:36,640 --> 00:55:40,400
Speaker 1: and the thing is even parents, um sometimes put false

960
00:55:40,480 --> 00:55:44,200
Speaker 1: pressures when their kids to go to school, and so

961
00:55:44,440 --> 00:55:47,080
Speaker 1: nobody's really doing the math or care about the math

962
00:55:47,160 --> 00:55:50,280
Speaker 1: per se, and signing away their life and not reading,

963
00:55:50,920 --> 00:55:54,000
Speaker 1: and then it just becomes the train wreck. Yeah, minded,

964
00:55:54,040 --> 00:55:55,920
Speaker 1: and my mama was not having that ship. I remember

965
00:55:55,960 --> 00:55:58,000
Speaker 1: going to the dorm and my oldest sister who had

966
00:55:58,320 --> 00:56:01,640
Speaker 1: went to college, she was like, um a J Well, Ashley,

967
00:56:01,680 --> 00:56:03,719
Speaker 1: you need to come home because that school costs too much.

968
00:56:03,840 --> 00:56:05,880
Speaker 1: I just put my ship in the dorm. She was like,

969
00:56:06,000 --> 00:56:08,120
Speaker 1: just come home, go to school for two go to

970
00:56:08,200 --> 00:56:09,640
Speaker 1: tech for two years, and then if you want to

971
00:56:09,640 --> 00:56:12,240
Speaker 1: go to a four year do that. But I wanted

972
00:56:12,320 --> 00:56:14,399
Speaker 1: the college experience. And you know what, my mama said,

973
00:56:14,520 --> 00:56:16,960
Speaker 1: I'm not paying for your ass to have an experience.

974
00:56:17,560 --> 00:56:20,560
Speaker 1: Period of My dad might have took out a five

975
00:56:20,600 --> 00:56:24,799
Speaker 1: thousand dollar loan and that's it. Everything else I had

976
00:56:24,840 --> 00:56:26,680
Speaker 1: to pay for. You had to come home. Yeah, I

977
00:56:26,760 --> 00:56:30,600
Speaker 1: feel like, yeah, I just paid for school, so unsub

978
00:56:31,160 --> 00:56:36,040
Speaker 1: pale grant. Uh, just anything I could sign my name

979
00:56:36,120 --> 00:56:38,120
Speaker 1: to that would make it. That is me. I did

980
00:56:38,719 --> 00:56:42,600
Speaker 1: m Yeah, so for me, my mom got really sick

981
00:56:42,719 --> 00:56:46,000
Speaker 1: my senior year, so I had to week like it

982
00:56:46,160 --> 00:56:48,239
Speaker 1: was like no money because I didn't believe know how

983
00:56:48,280 --> 00:56:49,680
Speaker 1: to thought the fast. But this is when we was

984
00:56:49,760 --> 00:56:52,360
Speaker 1: doing math paid for and ship. It was weird. So

985
00:56:53,120 --> 00:56:54,640
Speaker 1: I was going to get put out of school. But

986
00:56:54,840 --> 00:56:57,560
Speaker 1: my my financial aid counselor called me and she was

987
00:56:57,640 --> 00:57:00,400
Speaker 1: like you need to come up um by the end

988
00:57:00,440 --> 00:57:03,239
Speaker 1: of this week. She was like, with some money for

989
00:57:03,360 --> 00:57:06,200
Speaker 1: next semester. I'm like, now where would I get that from?

990
00:57:07,360 --> 00:57:09,759
Speaker 1: And she was like, you need to knock on every

991
00:57:09,800 --> 00:57:13,120
Speaker 1: door on campus and see who has a scholarship. Like

992
00:57:13,200 --> 00:57:17,320
Speaker 1: imagine get a call like that. So I only owned

993
00:57:17,360 --> 00:57:18,800
Speaker 1: one pair of sneakers at the town because I was

994
00:57:18,880 --> 00:57:20,960
Speaker 1: so girly, which is such the opposite of what I

995
00:57:21,000 --> 00:57:24,960
Speaker 1: am now. I love sneakers, right, So I had. All

996
00:57:25,000 --> 00:57:26,960
Speaker 1: I had was like hills and little kit Hills. I

997
00:57:26,960 --> 00:57:28,200
Speaker 1: don't know who I thought it was. I get I

998
00:57:28,320 --> 00:57:31,080
Speaker 1: watched too much to you day m So I was like,

999
00:57:31,160 --> 00:57:33,200
Speaker 1: let me put my speakers on. And I went and

1000
00:57:33,280 --> 00:57:36,200
Speaker 1: knocked on every door for a whole day. And I

1001
00:57:36,320 --> 00:57:38,960
Speaker 1: got to the last door and her name was Miss

1002
00:57:39,040 --> 00:57:41,600
Speaker 1: Debbie and she said, what's your g p A? And

1003
00:57:41,680 --> 00:57:42,920
Speaker 1: at the time, my g p A was like a

1004
00:57:43,000 --> 00:57:45,480
Speaker 1: three point eight. And she was like, she said, what

1005
00:57:45,560 --> 00:57:48,120
Speaker 1: activities are your part of? So I started telling her

1006
00:57:48,160 --> 00:57:50,080
Speaker 1: all the activities I joined because I was bored as hell.

1007
00:57:50,760 --> 00:57:53,400
Speaker 1: And she was like, okay, She's like, I'll let you apply.

1008
00:57:54,000 --> 00:57:56,480
Speaker 1: She was like, I need this essay back in two hours.

1009
00:57:57,320 --> 00:57:59,280
Speaker 1: So at least I knew how to type, so that

1010
00:57:59,400 --> 00:58:01,800
Speaker 1: was a good thing. I typed it up and handed

1011
00:58:01,840 --> 00:58:04,520
Speaker 1: it in. She said, come back in two more hours

1012
00:58:04,600 --> 00:58:07,240
Speaker 1: and I'll give you an answer if you or another

1013
00:58:07,320 --> 00:58:10,280
Speaker 1: young lady got to scholarship. Long story short, I get

1014
00:58:10,320 --> 00:58:13,880
Speaker 1: back there. She was like, um, sonya. Now, do y'all

1015
00:58:13,920 --> 00:58:19,640
Speaker 1: think they called losers first, right? I was like, they

1016
00:58:19,680 --> 00:58:22,840
Speaker 1: don't call Lucifer's. I was like yes, she was like okay,

1017
00:58:23,000 --> 00:58:26,360
Speaker 1: she was like congratulations. I'm like, oh my god, thank you.

1018
00:58:26,840 --> 00:58:29,880
Speaker 1: The girl like storm Soul starts cussing. She's mad, so

1019
00:58:30,000 --> 00:58:35,400
Speaker 1: she doesn't like you. To the death song, she said.

1020
00:58:36,200 --> 00:58:38,320
Speaker 1: I didn't know why she was mad. I guess how

1021
00:58:38,400 --> 00:58:44,360
Speaker 1: much the scholarship was for a full ride? Wow, a

1022
00:58:44,520 --> 00:58:46,960
Speaker 1: full ride. I was just sitting there waiting on somebody

1023
00:58:47,000 --> 00:58:50,120
Speaker 1: on the knock on the door for it, literally knock

1024
00:58:50,200 --> 00:58:53,920
Speaker 1: on the door, like every door. And I was about

1025
00:58:54,000 --> 00:58:56,720
Speaker 1: to quit and give up on knocking on doors because

1026
00:58:56,720 --> 00:58:59,360
Speaker 1: I was tired, my feet was hurt, my campus had

1027
00:58:59,440 --> 00:59:02,800
Speaker 1: heels and it I'm so, you know, I gotta go

1028
00:59:02,960 --> 00:59:06,840
Speaker 1: one more here. I can't do it. So I did it,

1029
00:59:07,440 --> 00:59:10,120
Speaker 1: and I'm glad I did it because again, waiting at

1030
00:59:10,160 --> 00:59:13,240
Speaker 1: the end of it was a four hot Yeah, yeah

1031
00:59:13,480 --> 00:59:17,240
Speaker 1: it was. It was a real one. I still remember

1032
00:59:17,280 --> 00:59:19,440
Speaker 1: that day. And then I said, excuse me for a minute,

1033
00:59:19,600 --> 00:59:21,680
Speaker 1: and I had like this whole praise dance and shout.

1034
00:59:22,120 --> 00:59:23,880
Speaker 1: I had to call my grandma back. I was like,

1035
00:59:24,000 --> 00:59:25,680
Speaker 1: tell unclad, he ain't got to come to them all

1036
00:59:29,640 --> 00:59:33,320
Speaker 1: was coming to get you in your ship he put out.

1037
00:59:35,280 --> 00:59:37,640
Speaker 1: So like a lot of big companies, they offer like

1038
00:59:37,800 --> 00:59:41,360
Speaker 1: paid therapy sessions for their employees and families to help

1039
00:59:41,440 --> 00:59:46,320
Speaker 1: manage their work life. Balanced the lack there of anyway.

1040
00:59:47,120 --> 00:59:52,520
Speaker 1: So with student loan debt counseling, you would think that,

1041
00:59:52,840 --> 00:59:55,160
Speaker 1: you know, major corporations and companies would have something like

1042
00:59:55,280 --> 00:59:58,720
Speaker 1: that at their headquarters or something. Have you appeared with

1043
00:59:59,120 --> 01:00:04,040
Speaker 1: any major compan be these the one book? One time

1044
01:00:04,120 --> 01:00:06,600
Speaker 1: we did one it was a nonprofit and we did

1045
01:00:06,680 --> 01:00:08,760
Speaker 1: some work for them UM and it actually was a

1046
01:00:08,800 --> 01:00:11,360
Speaker 1: really great relationship. It's just when the budget came back in,

1047
01:00:11,840 --> 01:00:14,360
Speaker 1: it wasn't space for it. UM And what I find

1048
01:00:14,440 --> 01:00:17,640
Speaker 1: by started my own counseling service. So this week UM

1049
01:00:17,920 --> 01:00:20,840
Speaker 1: people had and will paid for it and we're actually

1050
01:00:20,920 --> 01:00:23,440
Speaker 1: not even terribly expensive. And I did it on purpose.

1051
01:00:24,000 --> 01:00:27,640
Speaker 1: UM because I what I realized is there's really no

1052
01:00:27,920 --> 01:00:32,320
Speaker 1: place you can go and have somebody break down your

1053
01:00:32,360 --> 01:00:35,560
Speaker 1: student loan debt and some solutions without them asking for

1054
01:00:36,240 --> 01:00:38,040
Speaker 1: a payment at the end. And we didn't want to

1055
01:00:38,080 --> 01:00:40,800
Speaker 1: be that service for anyone, Like we didn't want to

1056
01:00:40,960 --> 01:00:45,000
Speaker 1: work or or be aligned with the student loan lenders.

1057
01:00:45,080 --> 01:00:46,840
Speaker 1: We wanted to be for the people, so we can

1058
01:00:46,920 --> 01:00:48,720
Speaker 1: tell the people what the best thing is to do

1059
01:00:48,960 --> 01:00:51,880
Speaker 1: and not to do. UM. So, yeah, I think it's

1060
01:00:51,880 --> 01:00:53,960
Speaker 1: a great service. I'm sure in different states there are

1061
01:00:54,080 --> 01:00:56,680
Speaker 1: things and companies like it that exists more on a

1062
01:00:56,760 --> 01:00:59,120
Speaker 1: corporate level. But let me really honest with you guys,

1063
01:00:59,160 --> 01:01:01,280
Speaker 1: Like when I started my brand, I never wanted to

1064
01:01:01,360 --> 01:01:04,200
Speaker 1: change me or my personality and how I wanted to

1065
01:01:04,280 --> 01:01:09,240
Speaker 1: serve people. So I've always been very very careful with partnerships, um,

1066
01:01:09,520 --> 01:01:12,280
Speaker 1: with taking money from people that don't look like me,

1067
01:01:13,000 --> 01:01:15,840
Speaker 1: so they can't control my narrative and how I teach.

1068
01:01:16,280 --> 01:01:17,880
Speaker 1: Because if I want to get on I g live

1069
01:01:18,000 --> 01:01:20,440
Speaker 1: tonight and say buck them loads, like I might want

1070
01:01:20,480 --> 01:01:23,240
Speaker 1: to get on there and say something radical like I

1071
01:01:23,440 --> 01:01:25,960
Speaker 1: need to know that my money and my payroll for

1072
01:01:26,080 --> 01:01:28,760
Speaker 1: my team ain't gonna get cut if that makes sense,

1073
01:01:29,240 --> 01:01:32,240
Speaker 1: and so I was, and it took I've been a business,

1074
01:01:32,280 --> 01:01:36,440
Speaker 1: how six years? It took four years to be able

1075
01:01:36,600 --> 01:01:39,400
Speaker 1: to be really comfortable to say I can do this

1076
01:01:39,560 --> 01:01:42,560
Speaker 1: pay roll pay my people, you know, six figures were

1077
01:01:42,600 --> 01:01:45,560
Speaker 1: close to it or and it be from the muscle

1078
01:01:45,720 --> 01:01:48,320
Speaker 1: like I was really really adamant that I didn't want

1079
01:01:48,360 --> 01:01:50,960
Speaker 1: to work and be aligned with certain companies because then

1080
01:01:51,560 --> 01:01:53,320
Speaker 1: you know, you got that little carrot over your head.

1081
01:01:53,360 --> 01:01:56,680
Speaker 1: I don't want to experience right now, let me ask

1082
01:01:56,720 --> 01:01:59,400
Speaker 1: you this. There's people who went to college the wreck

1083
01:01:59,520 --> 01:02:01,600
Speaker 1: of artist dead and then this went on with life

1084
01:02:01,640 --> 01:02:05,120
Speaker 1: andself forgot that ship and forgot about it. How did

1085
01:02:05,120 --> 01:02:07,120
Speaker 1: they even find out how much they? Oh? Like, they

1086
01:02:07,160 --> 01:02:09,360
Speaker 1: wouldn't even know where to start or how you running

1087
01:02:09,400 --> 01:02:12,400
Speaker 1: their debt? So the best place to go is to

1088
01:02:12,520 --> 01:02:15,520
Speaker 1: call as a place called student aid dot gov. So

1089
01:02:15,680 --> 01:02:18,320
Speaker 1: student aid dot gov allows you to see all of

1090
01:02:18,400 --> 01:02:21,400
Speaker 1: your federal loan debt. You also can get an annual

1091
01:02:21,480 --> 01:02:24,680
Speaker 1: free credit report who your credit and see what still

1092
01:02:24,800 --> 01:02:27,080
Speaker 1: loans come up when your credit as well cost compared

1093
01:02:27,120 --> 01:02:30,400
Speaker 1: to to make sure the information looks the same um

1094
01:02:30,600 --> 01:02:32,640
Speaker 1: and then you you know, these accounts are free of

1095
01:02:32,760 --> 01:02:35,400
Speaker 1: course and then you want to find out based off

1096
01:02:35,440 --> 01:02:38,080
Speaker 1: of your credit report, whereas to the A report, who

1097
01:02:38,160 --> 01:02:40,240
Speaker 1: your lender is, and so then you want to create

1098
01:02:40,280 --> 01:02:43,160
Speaker 1: your lender account and putting your basic information and your

1099
01:02:43,240 --> 01:02:45,760
Speaker 1: loans will come up. Right, All these things are really

1100
01:02:45,840 --> 01:02:48,440
Speaker 1: important to know how to access. And we'll be doing

1101
01:02:48,480 --> 01:02:50,560
Speaker 1: more classes on our platform that really show people how

1102
01:02:50,640 --> 01:02:53,280
Speaker 1: to get into their stuff again because it's been so long,

1103
01:02:53,440 --> 01:02:55,680
Speaker 1: or maybe some people have never But the thing is,

1104
01:02:55,840 --> 01:02:58,960
Speaker 1: you don't want to be a passive participant and the

1105
01:02:59,040 --> 01:03:01,720
Speaker 1: repayment of your loan because once your loans going to

1106
01:03:01,840 --> 01:03:05,160
Speaker 1: default and they just actually cleared the fault all the

1107
01:03:05,240 --> 01:03:08,760
Speaker 1: fall alans recently. But if if you when this is

1108
01:03:08,840 --> 01:03:11,640
Speaker 1: over and your loans happen to go into default, it

1109
01:03:11,840 --> 01:03:15,040
Speaker 1: stops you from being able to buy a home. It

1110
01:03:15,200 --> 01:03:18,480
Speaker 1: stops you from being able to have good credit. It's

1111
01:03:18,520 --> 01:03:22,440
Speaker 1: on your credit report though, right, Well, no, so that's

1112
01:03:22,480 --> 01:03:25,680
Speaker 1: where people get this messed up, So on you, That's

1113
01:03:25,720 --> 01:03:28,800
Speaker 1: what I'm saying that, right, So, after it gets to

1114
01:03:28,880 --> 01:03:31,640
Speaker 1: a certain point, let's put it that way, they leave

1115
01:03:31,720 --> 01:03:34,840
Speaker 1: your credit a point and if you now, if you're

1116
01:03:34,840 --> 01:03:36,480
Speaker 1: at that point, let me just put it that way.

1117
01:03:37,160 --> 01:03:41,360
Speaker 1: Just know, with the recent change with the Biding administration,

1118
01:03:41,760 --> 01:03:44,840
Speaker 1: it's going to come back on your credit soon. Now

1119
01:03:45,240 --> 01:03:47,919
Speaker 1: that's the better Prove it just like any other day.

1120
01:03:48,080 --> 01:03:52,960
Speaker 1: Prove it right, because yeah, it's a good and bad thing.

1121
01:03:53,640 --> 01:03:56,800
Speaker 1: So if it comes back on your report again, you

1122
01:03:56,840 --> 01:03:58,880
Speaker 1: can go through the process with credit and get it off.

1123
01:03:59,200 --> 01:04:02,800
Speaker 1: But remember there is the consumer report is what you're

1124
01:04:02,840 --> 01:04:05,480
Speaker 1: talking about when you go to buy home. There's another

1125
01:04:05,600 --> 01:04:08,720
Speaker 1: report that they look at. It shows all federal holdings.

1126
01:04:08,880 --> 01:04:11,040
Speaker 1: Right now, if you were just saying, well, so I'm

1127
01:04:11,120 --> 01:04:13,040
Speaker 1: just trying to get them off my credit because I

1128
01:04:13,080 --> 01:04:15,960
Speaker 1: need to go buy our car, go ahead. It car

1129
01:04:16,120 --> 01:04:18,840
Speaker 1: dealership could never see it. But when we started talking

1130
01:04:18,880 --> 01:04:24,840
Speaker 1: about investing her holy certain government licenses for work, it

1131
01:04:24,960 --> 01:04:30,840
Speaker 1: will show up, right mm hmm. Until then, you know,

1132
01:04:31,040 --> 01:04:42,320
Speaker 1: catching weekend so bad. All right, listen, we appreciate you,

1133
01:04:42,440 --> 01:04:44,640
Speaker 1: saw you for coming over. We talked back. Let out.

1134
01:04:45,960 --> 01:04:53,240
Speaker 1: Yes you are a delight. They can find you at plug. Yes,

1135
01:04:53,400 --> 01:04:56,400
Speaker 1: so go to Instagram and stud alone. Doctor. Um all

1136
01:04:56,480 --> 01:04:59,600
Speaker 1: the fun list here. Our website is doctor. Please help

1137
01:04:59,640 --> 01:05:02,760
Speaker 1: me that come Um, I don't know, just google less

1138
01:05:02,760 --> 01:05:05,480
Speaker 1: you'll find us. Um. It's just a little black girl

1139
01:05:05,520 --> 01:05:08,240
Speaker 1: that changes here. Styles every so often. Um, it's still me.

1140
01:05:09,120 --> 01:05:11,600
Speaker 1: Phones don't change. I never look like any of my

1141
01:05:11,680 --> 01:05:13,840
Speaker 1: photos and I got work for it one this year.

1142
01:05:14,000 --> 01:05:16,240
Speaker 1: One day is flocks. I'd like this now it's girl.

1143
01:05:16,760 --> 01:05:18,840
Speaker 1: The point is, you know, just look for the name

1144
01:05:18,920 --> 01:05:21,880
Speaker 1: studan doctor. Um, and then this I tell people, like,

1145
01:05:22,000 --> 01:05:23,480
Speaker 1: if you know you need us, and you know your

1146
01:05:23,520 --> 01:05:25,960
Speaker 1: friends need us, don't go on a crusade because you

1147
01:05:26,040 --> 01:05:28,800
Speaker 1: heard that episode. Just say, like, I think there's somebody

1148
01:05:28,920 --> 01:05:32,720
Speaker 1: should check out, drop them off. They will find their

1149
01:05:32,800 --> 01:05:35,560
Speaker 1: way to my d MS to help on your own,

1150
01:05:36,120 --> 01:05:37,520
Speaker 1: and then we could just take it from the air.

1151
01:05:37,600 --> 01:05:39,680
Speaker 1: So it's gonna be good. Did you plug your Instagram

1152
01:05:39,720 --> 01:05:43,000
Speaker 1: out of here? It? Oh the student loan doctor Okay,

1153
01:05:43,440 --> 01:05:48,160
Speaker 1: were in there? Yeah, man, go and check her out

1154
01:05:48,280 --> 01:05:51,520
Speaker 1: for really help your talk out talking to these niggas. Boy,

1155
01:05:51,600 --> 01:05:56,320
Speaker 1: we got all the student loan debt. Oh, we got

1156
01:05:56,400 --> 01:05:58,720
Speaker 1: to do a whole class on We need to do it.

1157
01:05:58,800 --> 01:06:00,760
Speaker 1: We know what we need to do. Some speed dating

1158
01:06:00,800 --> 01:06:04,000
Speaker 1: on some student loan desk, speedy and like that. You

1159
01:06:04,080 --> 01:06:10,680
Speaker 1: know when credits impose you again. All right, y'all listen.

1160
01:06:10,720 --> 01:06:13,640
Speaker 1: If you enjoyed this episode, please tune in every Thursday

1161
01:06:13,800 --> 01:06:15,960
Speaker 1: on the I Heart Radio, Apple, Wherever the fun you

1162
01:06:16,040 --> 01:06:18,480
Speaker 1: get your podcast at. This your co host, A J

1163
01:06:19,040 --> 01:06:23,400
Speaker 1: Holiday two point oh. Follow me on Instagram, A and y'all,

1164
01:06:23,440 --> 01:06:25,760
Speaker 1: this is official. Tim ma'am on Instagram following me. I

1165
01:06:25,840 --> 01:06:28,400
Speaker 1: love you guys, Thank you all for listening, and y'all remember,

1166
01:06:28,560 --> 01:06:32,320
Speaker 1: speak now and never hold your peace. Viruses