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Speaker 1: Talk, talk, talk to them.

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Speaker 2: We're just two unapologetically black women with an opinion who

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Speaker 2: talk back. Hey y'all, it's me, Tam Bam. Welcome back

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Speaker 2: to a new episode of We Talk Back.

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Speaker 1: Hey! And it's your co-host, AJ Holiday. How you doing, AJ?

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Speaker 1: I'm good, girl. That was a good introduction. You like that?

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Speaker 1: Yelling in the goddamn mic. Period. What's up, child? How

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Speaker 1: was your weekend?

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Speaker 2: My weekend was cool. I went outside. I know I

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Speaker 2: said I wasn't going outside, but I did go outside.

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Speaker 1: The lies motherfuckers tell, boy.

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Speaker 2: You sitting up in this 24th floor looking down. It's

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Speaker 2: all kind of shit and energy outside. It makes it

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Speaker 2: hard to want to stay inside when it's all beautiful

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Speaker 2: and stuff.

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Speaker 1: So I was outside. Bitch, you was going outside when

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Speaker 1: it was cold as fuck outside. You was outside. It's

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Speaker 1: harder when it's nice. Sun's out, buns out, right? So

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Speaker 1: what clubs you hit up this weekend in Charlotte? You

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Speaker 1: might as well, listen, first of all, you might need

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Speaker 1: to try to get some little promo money from these

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Speaker 1: niggas in Charlotte, okay, about these spots you be in. Yeah,

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Speaker 1: you know what? I mean, what can we do?

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Speaker 2: Absolutely, because I be moving around the city. So I

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Speaker 2: went to, I started at Infused, which is like a

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Speaker 2: little hookah bar. Then I left there, and I went

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Speaker 2: to Fahrenheit, which is like a rooftop situation.

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Speaker 1: You can see the city. City views. It's good cocktails.

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Speaker 3: Had a few drinks there.

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Speaker 2: Then I left there, and I went to another place

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Speaker 2: called 15th Street Social, which is a newer spot. It

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Speaker 2: seemed kind of young, but the DJ said the people

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Speaker 2: wasn't that young. Black just don't crack. That was cool.

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Speaker 2: Left there, and I went to Cloud South End, which

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Speaker 2: is a nice little jumping. It's like one of the

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Speaker 2: most popping spots in Charlotte right now, Cloud. And that

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Speaker 2: was Saturday night.

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Speaker 3: I went to all of those places.

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Speaker 2: Then Sunday, I got up and I went to 1501,

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Speaker 2: which is like an outdoor situation. Real good vibes, good music,

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Speaker 2: R & Bs. Grown crowd, very grown crowd.

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Speaker 1: Oh, yeah, I went there. I went there a couple

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

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Speaker 3: Yeah, it's outside.

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Speaker 1: It's next to that Ruby, what's that brunch spot?

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Speaker 3: Ruby Sunshine?

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Speaker 2: No, I think you might be talking about Lost and Found.

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Speaker 2: Lost and Found is another good spot.

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Speaker 1: No, I'm pretty sure it's 1501. Maybe I'm thinking about... Yeah,

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Speaker 1: but that's the place. It's like outside. They're all in

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Speaker 1: the same area, though. Yeah. Okay.

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Speaker 4: Yeah.

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Speaker 1: I went there. And I was like, damn. I asked

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Speaker 1: the bartender. I'm like, who on this? She said it

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Speaker 1: was black-owned. I'm like, okay. Yeah. These black-owned little nightclubs

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Speaker 1: in Charlotte, they be doing the damn thing.

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Speaker 2: And then I left 1501 and I went to Stats

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Speaker 2: on Sunday night.

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Speaker 1: Stats on Sunday night is like a whole vibe. That's

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Speaker 1: a big-ass spot, too.

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Speaker 3: It's like church. They call it church on Sunday.

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Speaker 1: What a bunch of fucking heathens.

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Speaker 4: Right.

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Speaker 2: They didn't see nobody's real church. I do be going

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Speaker 2: to church online on Sunday, Sunday morning.

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Speaker 1: I go to Elevation.

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Speaker 2: Receiving first aid. It gives me the word before I

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Speaker 2: go out and drink.

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Speaker 1: Now, 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: You was like, man, fuck these niggas. I went to

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

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Speaker 1: She talking about online church. It's online. You ain't going nowhere.

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Speaker 1: I did go. I was in attendance.

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Speaker 2: They recognize the listeners online, bitch.

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Speaker 1: You said some tithing? I ain't tithing no money. Now

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Speaker 1: you runs out now. That's one thing I ain't about

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Speaker 1: to do. You runs out now.

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Speaker 2: That was my weekend. But this weekend I'm going to chill.

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Speaker 2: Is Mother's Day this weekend coming up?

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Speaker 1: No, it's next weekend. Sunday the 18th. 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: Just to get away. I'm going to Jamaica next week.

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Speaker 1: I can't wait. So I'm going to have to do

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Speaker 1: something for my mom before I dip out on her ass. Yep.

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

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Speaker 1: the hospital. That's what I've been dealing with. Yeah, man. Listen,

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

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

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Speaker 1: have to take care of you when you get old.

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Speaker 1: Like that should just be goals.

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Speaker 2: Yeah, but I mean, that's deteriorating as we get older

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Speaker 2: is a part of life kind of, right? Even if

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Speaker 2: we take care of ourselves, it's just only so much

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Speaker 2: you can do before somebody got to take care of you.

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Speaker 1: You know, 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 if somewhere they got... You knew? I

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Speaker 1: wouldn't want to know.

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Speaker 4: Yeah.

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Speaker 1: No, hell no. Me either. I be spending my days

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Speaker 1: counting them. But I did also read, because a couple

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Speaker 1: months ago I was stressed out. Like, why the fuck is,

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Speaker 1: I always wear my Fitbit, right? I know everybody got

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Speaker 1: Apple Watch, but I like Fitbit. I, my heart rate

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Speaker 1: is always like low, like 55. So I'm thinking I'm dying.

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Speaker 1: And I was watching Discovery of Witches last night. Of

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Speaker 1: course you were. And the dude, one of the vampire characters,

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Speaker 1: old girl was feeling his chest and she was like,

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Speaker 1: you know, you don't have a heartbeat. And then the

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Speaker 1: heartbeat came, right? He was like, I do have a heartbeat.

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Speaker 1: It's just slower, you know, because we live internal. We

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Speaker 1: got eternal life. So your heartbeat. Then I started Googling.

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Speaker 1: I said, wait a minute. So I'm not sick because

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Speaker 1: my heartbeat is fucking slow. So you think you're a

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Speaker 1: vampire bitch? Now I'm a lift. I already know I'm

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Speaker 1: a lift till I'm like 95, but now it's like confirmed.

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Speaker 4: Yeah.

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Speaker 1: Bitch, I take it easy. Okay.

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Speaker 3: What network was this on?

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Speaker 1: AMC, bitch. Listen, I take it easy. I know I'm

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Speaker 1: going to be around here until like 93, 95. That's

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Speaker 1: why I need y'all to stop fucking up my world. Okay.

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Speaker 1: If you planning on dying at 60. Okay. Stop fucking

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Speaker 1: my world up.

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Speaker 2: Y'all, let's go to commercial on that note because this

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Speaker 2: bitch is fucking nuts.

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Speaker 1: We'll be right back.

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Speaker 4: All right.

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Speaker 1: Let's get into some dumb internet news, y'all. What we

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Speaker 1: got going on, Tam?

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Speaker 2: So Meg Thee Stallion did an interview with Gayle King.

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Speaker 4: Why?

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Speaker 1: Did you guys see that? Why? I don't know. Why? Why?

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Speaker 2: I thought they put Tori under a gag about this

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Speaker 2: whole situation that happened. So why is she allowed to

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Speaker 2: do interviews with Gayle King and he can't say anything?

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Speaker 1: I guess because maybe we're looking at it wrong. We're

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

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Speaker 1: we be looking at it as if this nigga is

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Speaker 1: fucking guilty and I'm a victim and I should be

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Speaker 1: able to talk about it? This is therapy for me

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Speaker 1: at this point. And with the whole world... I'm not

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Speaker 1: here to judge either one of them. This shit has

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Speaker 1: been going on for two years now. It's like two

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Speaker 1: years now. The fact of the matter is, Meg Thee

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Speaker 1: Stallion did not have a gun, and she got hurt.

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Speaker 1: Somebody else had a gun. You see what I'm saying?

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Speaker 4: 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.

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Speaker 2: So I'm going to read some of the things that

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Speaker 2: Megan said. Megan said, it was an argument because I

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Speaker 2: was ready to go and everybody else wasn't ready to go.

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Speaker 2: But that's like normal friend stuff. Like we fuss about

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Speaker 2: silly stuff all the time. But I never put my

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Speaker 2: hands on anybody. I never raised my voice too loud.

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Speaker 2: Like this was one of them times where it was like,

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Speaker 2: it got, this was one of them times where it

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Speaker 2: was like, it shouldn't have got this crazy.

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Speaker 1: Right. And I can, I can understand that. You know

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Speaker 1: how sometimes like you and a friend could be, y'all

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Speaker 1: could be playing damn near all of a sudden somebody

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Speaker 1: really gets serious. Like I can see that happening. I've

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Speaker 1: had that happen. Um, but you know, one thing I

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Speaker 1: did see according to a public transcript from December 15th, 14th, 2021,

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Speaker 1: hearing on Meg Thee Stallion and Tory Lanez case, the

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Speaker 1: source can confirm that the officer testified there was gunshot

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Speaker 1: residue found on Tory's hands. So now all the public

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Speaker 1: judges have been saying, oh, they found the residue on

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Speaker 1: old girl's hand, the home girl, Casey. What was her name?

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Speaker 1: Was her name Casey?

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Speaker 4: Mm-hmm.

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Speaker 1: Kelsey, sorry, that they found the residue on Kelsey's hands.

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Speaker 1: But in actual evidence at the courts now, they're saying

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

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Speaker 1: this shit a mess. It is.

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Speaker 2: She's saying that they never slept with.

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Speaker 1: Each other, her and Tori. I mean, are you publicly

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Speaker 1: about to damn? Listen, this my pussy. I don't got

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Speaker 1: to confirm or deny nothing for y'all.

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Speaker 4: Period.

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Speaker 1: So whether she did or not, is that her business?

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Speaker 1: I feel like even, I feel like her saying that

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Speaker 1: they did would even, that would be a better defense

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Speaker 1: for her. It would be, not a defense, sorry. It

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Speaker 1: would be a better situation if she did say that

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Speaker 1: they were fucking because that's even more reason for him

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Speaker 1: to shoot at her. But I feel like if you're

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Speaker 1: going to come out and talk about this shit, tell

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Speaker 1: the whole truth now. Don't tell truth. But maybe that

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Speaker 1: is the truth.

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Speaker 3: Maybe it is the truth.

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Speaker 1: Well, I know.

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Speaker 2: I mean, based off what you're saying, why would I

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Speaker 2: come out and tell somebody my sexual business?

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Speaker 1: You know, like. Right.

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Speaker 2: You know, if you're going to tell it now, tell

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Speaker 2: it all.

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Speaker 1: Yeah. And I believe her. I believe Meg Thee Stallion.

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Speaker 1: I've been saying that. We done talked about this shit

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Speaker 1: for the last year. I want to believe her.

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Speaker 2: I want desperately to believe her, but I just still,

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Speaker 2: you know, it's just so much stuff that, like, first

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Speaker 2: it was, like, glass, then it was a shooting, and

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Speaker 2: it's just too many different stories.

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Speaker 1: She got hit by bullet fragments.

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Speaker 2: Then the fact that her and her best friends are

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Speaker 2: no longer best friends after this just seems like some

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Speaker 2: fishy shit going on.

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Speaker 1: Well, did you see where somebody, I don't know who

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Speaker 1: he was trying to pay, the homegirl or Meg, to

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Speaker 1: be quiet for a million dollars?

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Speaker 2: Tori offered $ 1 million to keep silent. So, did he

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Speaker 2: offer somebody else?

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Speaker 1: He might have gave the homegirl a million dollars to

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Speaker 1: be quiet.

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Speaker 2: Oh, Meg Thee Stallion says Tori Lanez offered her and

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Speaker 2: Kelsey $ 1 million for their silence.

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Speaker 1: On the shooting. Damn.

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Speaker 3: I would have took it.

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Speaker 1: Maybe her homegirl did take it. You see what I'm saying?

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Speaker 1: Maybe her homegirl did take it, so now you just

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Speaker 1: left your best friend you've known way before the fame,

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Speaker 1: you left her out hanging to get on her level.

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Speaker 1: You see what I'm saying? I would never. That's why

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Speaker 1: I always say, man, integrity is a lifelong commitment because

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Speaker 1: I'd never do that to one of my fucking friends.

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Speaker 1: Fuck that nigga. Like he got to go to jail

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Speaker 1: because regardless of what, even if it wasn't a direct bullet,

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Speaker 1: like I said, she didn't have a gun. There was

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Speaker 1: a weapon on the scene and she's the only one

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Speaker 1: that got hurt. What does that say? She said he

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Speaker 1: was hanging out the car window. shooting at her feet.

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Speaker 1: Do y'all know what fragments are? He didn't say that.

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Speaker 1: It wasn't a bullet. She might have thought it was

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Speaker 1: glass initially. You know what I'm saying? It could have

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Speaker 1: ricocheted off the concrete. It could have been pieces of

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Speaker 1: concrete in her foot.

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Speaker 4: Anything.

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Speaker 1: But that's what happened.

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Speaker 3: She got real.

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Speaker 1: Ghetto. She got real ghetto.

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Speaker 4: Yes.

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Speaker 1: Oh, yeah, yeah, yeah. And it wasn't her that called

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Speaker 1: the police. It was bystanders that heard gunshots. What are

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Speaker 1: we talking about? But when a black woman say somebody

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Speaker 1: hurt them, nobody fucking cares. And that's what this is

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Speaker 1: giving to me. It's just what it's giving. Why do

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Speaker 1: you say nobody cares? Because in the court of public opinion,

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Speaker 1: Meg Thee Stallion is a liar. There's a lot of

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Speaker 1: women who think she's a liar. And there's a lot

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

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

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Speaker 1: didn't want to get him in trouble.

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Speaker 4: Still.

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

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Speaker 2: I can't say I exactly stand with Meg just because

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Speaker 2: of how many different stories came out in the beginning.

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Speaker 2: But I can't say that I stand with Tori either.

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Speaker 2: I'm still waiting to hear the full details of what

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Speaker 2: happened before I pass any judgment on anybody.

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Speaker 1: Well, I don't want to pass judgment at all. But

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Speaker 1: I'm never going to... I won't 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 lie sometimes. We know people make stories up.

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Speaker 1: We know that type of shit happens. But I have

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

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Speaker 1: she never confirmed or denied a relationship with him at

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Speaker 1: all either. So, I don't know. I hope... Oh, and

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Speaker 1: another thing I wanted to add. So, Tory, he has

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Speaker 1: had to pay two different bonds. If he was a

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Speaker 1: regular nigga, he would have sat in jail with these charges.

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Speaker 1: He only got out because he has the means to. Yeah,

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Speaker 1: you're right.

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Speaker 2: And they've been outside, like, Posting pictures with her opps

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Speaker 2: and stuff like that.

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Speaker 1: Making funny songs and shit. Like, boy.

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Speaker 4: Yeah.

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Speaker 1: We're going to see. I don't know. What else happened?

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Speaker 2: Viola Davis, she did a Netflix special event with Oprah.

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Speaker 2: And she spoke on her childhood, you know, hardships and

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Speaker 2: growing up knowing.

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Speaker 1: She was poor. She was so beautiful in there. Yeah,

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Speaker 1: she looked good. And she lived in a.

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Speaker 2: home with rats and without utilities, like gas and electricity.

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Speaker 2: And she spent a lot of time being hungry as

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Speaker 2: a kid. That's a lot of, you know, a lot

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Speaker 2: of people's story I know.

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Speaker 1: Yeah. And, you know, as kids, like in school and stuff,

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Speaker 1: you never know. We've always had, like, the little stink

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Speaker 1: kids in school.

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Speaker 3: And you used to be one of them bitches making

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Speaker 3: fun of the stink kids.

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Speaker 1: Nah, not true. I distinctively remember a super stink white boy.

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Speaker 1: who was in my class, and he had like a mullet,

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Speaker 1: mohawk-type haircut. And he would smell like fresh doo-doo every day.

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Speaker 1: I never said anything. Like, people would rag on him

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Speaker 1: all day, every day. I never would tease him. But

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Speaker 1: I watch people tease other people all the time. Like,

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Speaker 1: I never... You didn't defend him?

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Speaker 4: No. I mean.

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Speaker 1: Maybe, maybe, maybe not him in particular, but I have

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Speaker 1: defended people before. Y'all leave that motherfucker alone. You know

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

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Speaker 1: that could tease back. I like to go back and forth.

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Speaker 1: If you ain't going to defend yourself, I'm not about

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Speaker 1: to just be beating you down. But as kids, you

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Speaker 1: don't realize the struggles students go through. Some of them,

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Speaker 1: the only meal they get would be the one they

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Speaker 1: have at school. At school, yeah. You know what I'm saying? Like,

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Speaker 1: once you get to be an adult and you see

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Speaker 1: the struggles adults have, like, you realize, like, kids be

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Speaker 1: in that fucking struggle. These kids be living in the

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Speaker 1: car with their parents, not able to wash their school

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Speaker 1: uniform every day.

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Speaker 4: Right.

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Speaker 1: So, I don't know. I don't know how you teach.

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Speaker 3: Kids are mean.

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Speaker 1: Little motherfucking people are mean.

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Speaker 4: Yeah.

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Speaker 1: I was a mean girl, but to people who like

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Speaker 1: to be a mean girl, too. They don't have the bandwidth.

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Speaker 2: To understand, like, the hardships of children and adults, and

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Speaker 2: they just don't care, you know?

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Speaker 4: Yeah. Yeah.

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Speaker 2: But she also, not necessarily on this Netflix special, but

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Speaker 2: she did discuss.

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Speaker 3: Wanting a big black man. Was that on there?

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Speaker 1: Yes, she was manifesting her husband child. From the South,

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Speaker 1: and that's what she got. Big black man from the

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Speaker 1: South who loved God, who was athletic. So he was

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Speaker 1: a retired football player. So she got exactly what he wanted. Like,

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Speaker 1: I know people always tell us to manifest, manifest.

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Speaker 4: Sorry.

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Speaker 1: So she got exactly what she wanted. So people always

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Speaker 1: talk about manifesting, right? But you got to be real specific.

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Speaker 1: You see how specific she was?

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Speaker 4: Right.

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Speaker 1: When asking for her husband.

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Speaker 2: She put where he was from, his bill, what type

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Speaker 2: of man he was, all those things and what she

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Speaker 2: asked for. But I feel like a lot, I've been, listen,

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Speaker 2: I've been very specific. God, if you hear me. You

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Speaker 2: wrote it down though?

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Speaker 1: Yeah, I wrote it down. It's in my Bible.

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Speaker 2: It's in a paper in the bible so we're gonna

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Speaker 2: see y'all gonna bear witness to this beautiful black man

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Speaker 2: that god gonna send.

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Speaker 1: Me this year god this year what if he like

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Speaker 1: a low ugly.

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Speaker 2: You know i i've done a little i've done a

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Speaker 2: lot of ugly so i can do a little ugly

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Speaker 2: i don't like my man being as fine.

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Speaker 1: As me though so on the piece of paper in

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Speaker 1: the bible did you put anything about penis size in

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Speaker 1: there I did not. So there you go. He gonna

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Speaker 1: be fine with a lot of money.

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Speaker 2: Penis size is not like a big thing for me.

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Speaker 2: Like I don't need like the biggest dick nigga. Like,

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Speaker 2: I mean, do I want, I don't, first of all,

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Speaker 2: I don't like really big dicks anyway.

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Speaker 1: Me either.

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Speaker 2: If you got like a humongous dick, like that's just

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Speaker 2: not even like, that hurts. I can't do that all

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Speaker 2: the time. I want a, I want the baby bear

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Speaker 2: porridge bitch.

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Speaker 1: The medium sized bitch. The hamburger. But I didn't put

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Speaker 1: that in my... I did not add that.

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Speaker 2: I don't know if I want to talk about dick

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Speaker 2: and put it in my Bible.

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Speaker 1: You got to be specific. You got to be specific. Well,

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

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Speaker 2: That's what it's about for me. It's not about the size.

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Speaker 1: Of the boat. It's the motion in the ocean. All right,

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Speaker 1: real quick.

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Speaker 2: There was a trend on TikTok where black women with

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Speaker 2: their white boyfriends calling them master.

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Speaker 1: Have you seen that? What the fuck is that about?

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Speaker 1: Not until you said that shit to me, bitch. I

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Speaker 1: did see a couple black eyes, too. But why would...

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Speaker 1: It's like, you know, my first thought was, did somebody

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

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Speaker 1: couples and then put that put that audio over the pictures.

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Speaker 2: I think these interracial couples are doing it themselves and,

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Speaker 2: you know, they think it's funny.

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Speaker 1: Like, uh-huh, master. That shit is whack.

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Speaker 3: It's a jokey joke.

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Speaker 4: You know?

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Speaker 1: You see how those black women look.

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Speaker 2: They look like the type of bitches that would be

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Speaker 2: in a TikTok calling their white boyfriend their master.

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Speaker 1: With that fucking nappy leave out. Get your life. Get

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Speaker 1: your ugly ass. Just crazy. Yeah, I didn't like that.

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Speaker 1: But to each their own. Yes.

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Speaker 2: If you have like a fucking slavery fantasy with your

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Speaker 2: white fetish master that's your thing girl.

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Speaker 1: This is dumb where are you where's your daddy you

402
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Speaker 1: don't have to.

403
00:19:47,290 --> 00:19:49,750
Speaker 2: Post it though that's your thing do it privately that's

404
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Speaker 2: insane to all black women everywhere.

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Speaker 1: Girl, everything does not belong on the internet. And that's

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Speaker 1: why we have stupid internet news. News.

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Speaker 3: Thank you for content, you dumb head hoe.

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Speaker 1: All right, I'm sorry.

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Speaker 4: I'm sorry.

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00:20:04,640 --> 00:20:06,240
Speaker 1: I didn't mean that.

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Speaker 4: Shayne.

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Speaker 1: Y'all, but listen, we got a super dope guest on

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Speaker 1: We Talk Back today, helping y'all bitches and us bitches

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Speaker 1: get our lives together. Y'all stay tuned. All right, y'all, listen.

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Speaker 1: So we started this year off a little bit different

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Speaker 1: for season two of We Talk Back. First few episodes

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Speaker 1: is kind of dedicated to our 2022 goals, which I

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Speaker 1: believe we share a lot of the same goals. You

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Speaker 1: want to lose weight. We talked about finances, real estate,

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Speaker 1: people we had come on. What else did we do, Tam?

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Speaker 1: Friendship goals. I don't know.

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Speaker 3: That was a long time ago.

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Speaker 1: We had friendship goals also, right? Yeah.

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Speaker 4: Uh-huh. So.

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Speaker 3: We were trying to get back to that.

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Speaker 1: Yes. Okay, so we're trying to get back to helping

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Speaker 1: everybody and ourselves with our New Year's resolution. So look,

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Speaker 1: we're talking debt today. Not just any debt. We're talking

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Speaker 1: student loan debt, y'all.

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Speaker 3: Okay?

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00:21:11,380 --> 00:21:13,920
Speaker 2: Because I know y'all bitches broke like me from these

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Speaker 2: student loans.

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Speaker 4: Exactly.

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Speaker 1: Y'all, we got the CEO of the student loan, Dr. LLC,

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Speaker 1: and self-proclaimed overdraft queen, Sonia Lewis. Hey girl.

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00:21:30,530 --> 00:21:33,710
Speaker 4: Hey ladies. Well, I want to say former overdraft queen.

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00:21:33,750 --> 00:21:34,530
Speaker 4: I've been working.

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00:21:34,590 --> 00:21:41,199
Speaker 1: No, we know that. We already know. Yeah. So how

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00:21:41,220 --> 00:21:43,400
Speaker 1: are you doing Sonia? Tell our listeners about you.

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Speaker 4: I'm good.

441
00:21:45,220 --> 00:21:45,760
Speaker 1: I'm good.

442
00:21:46,000 --> 00:21:49,399
Speaker 4: Um, I'm checking in from Miami, Florida, my favorite place

443
00:21:49,660 --> 00:21:53,959
Speaker 4: on earth. Um, I moved here recently because it was

444
00:21:54,000 --> 00:21:58,220
Speaker 4: just way too cold in Philly. And it was just

445
00:21:58,240 --> 00:22:00,940
Speaker 4: a joke to come down here, guys. And then what

446
00:22:00,980 --> 00:22:04,810
Speaker 4: happened was I loved it, and I kept extending my Airbnb.

447
00:22:05,470 --> 00:22:08,130
Speaker 4: Now I'm looking at apartments. Then I went and bought

448
00:22:08,190 --> 00:22:12,050
Speaker 4: a Lamborghini. Like, life just happened really, really fast. And

449
00:22:12,070 --> 00:22:13,830
Speaker 4: I think I just got caught up. I'm not even

450
00:22:13,850 --> 00:22:16,490
Speaker 4: going to lie. I'm real caught up these days. But

451
00:22:16,630 --> 00:22:19,970
Speaker 4: I'm having fun and teaching and helping people get out

452
00:22:20,020 --> 00:22:23,060
Speaker 4: of student loan debt at the same time. Um, so yeah.

453
00:22:23,100 --> 00:22:24,260
Speaker 4: So where do you guys want to start when I

454
00:22:24,280 --> 00:22:26,159
Speaker 4: was real broke or like now? I mean, cause it's

455
00:22:26,200 --> 00:22:26,760
Speaker 4: like two different people.

456
00:22:26,780 --> 00:22:29,580
Speaker 2: Start from the beginning on how you guys started with, uh,

457
00:22:30,400 --> 00:22:32,820
Speaker 2: you know, helping people with student loans in this industry.

458
00:22:32,960 --> 00:22:33,100
Speaker 4: Yeah.

459
00:22:33,140 --> 00:22:34,800
Speaker 1: How did you start the student loan doctor?

460
00:22:34,820 --> 00:22:38,000
Speaker 4: Yeah, I was real broke. And so I just want to,

461
00:22:38,220 --> 00:22:41,220
Speaker 4: you know, emphasize that, um, I was living like beyond

462
00:22:41,280 --> 00:22:46,100
Speaker 4: check to check, like overdraft to overdraft. And then some,

463
00:22:46,380 --> 00:22:48,820
Speaker 4: like almost had my account closed a few times, but

464
00:22:48,840 --> 00:22:51,609
Speaker 4: God stepped in. And then I was like, you got

465
00:22:51,619 --> 00:22:52,970
Speaker 4: to get your money right. Like you don't have to

466
00:22:53,030 --> 00:22:56,710
Speaker 4: live like this. And so I took a financial literacy

467
00:22:56,770 --> 00:23:00,010
Speaker 4: class at church. And then I started helping people at

468
00:23:00,070 --> 00:23:02,889
Speaker 4: the church understand their student loan debt because that's my

469
00:23:02,950 --> 00:23:06,920
Speaker 4: professional background. And then people started trying to send their

470
00:23:06,960 --> 00:23:11,120
Speaker 4: cousins and their family members. And I didn't even hear

471
00:23:11,160 --> 00:23:13,879
Speaker 4: from the Lord. I still haven't heard this message yet.

472
00:23:14,340 --> 00:23:17,280
Speaker 4: To do the work for free. So I'm like, okay.

473
00:23:17,619 --> 00:23:18,820
Speaker 1: He not going to tell you that.

474
00:23:19,200 --> 00:23:21,760
Speaker 4: Right. I ain't never heard it. So I started meeting

475
00:23:21,800 --> 00:23:24,580
Speaker 4: people at the Corner Bakery. Now, have you ever been

476
00:23:24,600 --> 00:23:30,610
Speaker 4: to the Corner Bakery before? No. Okay. Cozy's, like, any bakery?

477
00:23:30,960 --> 00:23:32,369
Speaker 1: Yeah, yeah. Okay.

478
00:23:32,730 --> 00:23:34,950
Speaker 4: Well, you know, in the bakery, you got to find

479
00:23:34,970 --> 00:23:36,330
Speaker 4: the spot next to the plug.

480
00:23:37,150 --> 00:23:39,230
Speaker 1: Okay, the socket. Yeah.

481
00:23:39,410 --> 00:23:42,220
Speaker 4: Yes, the socket. Mm-hmm. And so what I had to

482
00:23:42,260 --> 00:23:44,659
Speaker 4: do was I would go to work every day. I

483
00:23:45,240 --> 00:23:48,220
Speaker 4: would run to the corner bakery, and I would get

484
00:23:48,260 --> 00:23:51,100
Speaker 4: the corner roof with the socket. Now, in order to

485
00:23:51,140 --> 00:23:54,450
Speaker 4: secure this spot, I had to flirt for it. Now,

486
00:23:55,310 --> 00:23:57,810
Speaker 4: I still owe somebody a date, but I'm never going

487
00:23:57,830 --> 00:24:00,909
Speaker 4: to cash that in. So, you know, you got to

488
00:24:00,930 --> 00:24:03,150
Speaker 4: do some strange things to start your business, okay?

489
00:24:03,170 --> 00:24:04,820
Speaker 2: That wasn't that bad.

490
00:24:04,880 --> 00:24:05,760
Speaker 1: I done heard about it.

491
00:24:06,410 --> 00:24:11,500
Speaker 2: No, I never had something like that.

492
00:24:11,680 --> 00:24:14,080
Speaker 4: You know, I'm excited that I have to say I

493
00:24:14,140 --> 00:24:18,880
Speaker 4: never did that. No $ 40 house? But I feel like

494
00:24:18,940 --> 00:24:20,800
Speaker 4: he was going to cash in on something soon, so

495
00:24:20,840 --> 00:24:25,640
Speaker 4: I had to get an office. It was getting real weird.

496
00:24:25,680 --> 00:24:28,440
Speaker 4: Because he would put this, like, reserve sign. I've never

497
00:24:28,460 --> 00:24:31,010
Speaker 4: seen a reserve sign in a free bakery before, again.

498
00:24:31,840 --> 00:24:34,540
Speaker 1: He made that sign for you. He did.

499
00:24:34,560 --> 00:24:36,520
Speaker 4: It was a little homemade, but we got to just

500
00:24:36,540 --> 00:24:41,139
Speaker 4: look at his heart. So I'm pretty sure. I was

501
00:24:41,160 --> 00:24:43,840
Speaker 4: helping people at the bakery and I was charging like

502
00:24:44,060 --> 00:24:45,869
Speaker 4: when I would get a little paid more than at

503
00:24:45,900 --> 00:24:48,350
Speaker 4: the job. I'm like, all right, this might go somewhere.

504
00:24:48,890 --> 00:24:52,709
Speaker 4: So I started taking off work and opening up my calendar.

505
00:24:52,850 --> 00:24:55,170
Speaker 4: And then people just started making their appointments and paying

506
00:24:55,230 --> 00:24:58,090
Speaker 4: their money. So I'm like, okay, let me see what

507
00:24:58,109 --> 00:25:01,419
Speaker 4: would happen if I took a week off. And so

508
00:25:01,440 --> 00:25:03,980
Speaker 4: basically what I was doing is meeting with people, going

509
00:25:04,040 --> 00:25:06,520
Speaker 4: over their student loan debt with them, you know, breaking

510
00:25:06,540 --> 00:25:10,040
Speaker 4: down the numbers, talking about repayment plans, forgiveness. And I

511
00:25:10,080 --> 00:25:12,910
Speaker 4: would help them call their lender. You know, they would talk,

512
00:25:12,950 --> 00:25:15,629
Speaker 4: of course, and we would set things up. And it

513
00:25:15,650 --> 00:25:21,070
Speaker 4: just really, guys, it blew up in 2018. The shade room,

514
00:25:21,130 --> 00:25:22,770
Speaker 4: her name is Myesha. She used to work in the

515
00:25:22,790 --> 00:25:25,909
Speaker 4: shade room. She called me and was like, tell me

516
00:25:25,950 --> 00:25:28,710
Speaker 4: your story. Because I had posted something around Black History

517
00:25:28,730 --> 00:25:32,879
Speaker 4: Month in February. And she was like, oh, I love it.

518
00:25:32,910 --> 00:25:35,300
Speaker 4: She's like, I'm going to post it. Now, I'm going

519
00:25:35,320 --> 00:25:36,899
Speaker 4: to be honest with you. I didn't know what the

520
00:25:36,940 --> 00:25:39,879
Speaker 4: shade room was at the time or what it could do,

521
00:25:40,100 --> 00:25:43,380
Speaker 4: like the power of the shade room. But that took

522
00:25:43,500 --> 00:25:47,640
Speaker 4: our business from, I would say, like a high five-figure

523
00:25:47,680 --> 00:25:53,419
Speaker 4: business to a six-figure, now seven-figure business. So I really

524
00:25:53,480 --> 00:25:56,139
Speaker 4: do credit just social media for blowing it all the

525
00:25:56,160 --> 00:25:59,740
Speaker 4: way up. Because so many people, particularly Black women... need

526
00:25:59,780 --> 00:26:02,159
Speaker 4: help with student loan debt. I'm a black woman and

527
00:26:02,180 --> 00:26:04,330
Speaker 4: they're able to identify and then, you know, we go

528
00:26:04,350 --> 00:26:04,920
Speaker 4: from there.

529
00:26:05,930 --> 00:26:09,649
Speaker 1: Yeah, that's dope. That is very dope because, listen, everybody,

530
00:26:09,730 --> 00:26:12,230
Speaker 1: we know, I don't know anybody who doesn't have student

531
00:26:12,250 --> 00:26:14,370
Speaker 1: loan debt unless they just, even people who just went

532
00:26:14,390 --> 00:26:15,710
Speaker 1: to a tech school or something.

533
00:26:15,450 --> 00:26:17,630
Speaker 4: Like that, everybody.

534
00:26:16,770 --> 00:26:20,690
Speaker 1: Has student loan debt. And I was telling Tam earlier

535
00:26:20,710 --> 00:26:23,540
Speaker 1: that black women, like, yeah, we got the most degrees,

536
00:26:23,560 --> 00:26:26,639
Speaker 1: we got the doctorate degrees, all the shit, PhDs, but

537
00:26:26,660 --> 00:26:29,250
Speaker 1: we go into relationships with a lot of debt. That

538
00:26:29,290 --> 00:26:31,410
Speaker 1: maybe our male counterparts don't come with.

539
00:26:32,750 --> 00:26:35,230
Speaker 4: We could talk about that because I do what I

540
00:26:35,270 --> 00:26:38,030
Speaker 4: call a late night series on my page. And we

541
00:26:38,050 --> 00:26:41,170
Speaker 4: start talking at the 10 p.m., the kids asleep, I say.

542
00:26:41,670 --> 00:26:44,940
Speaker 4: You know, I start talking and mentoring women about like

543
00:26:45,100 --> 00:26:47,770
Speaker 4: the debt, particularly their student loan debt. could be affecting

544
00:26:47,790 --> 00:26:51,720
Speaker 4: their relationships and the quality thereof. Like, you laying next

545
00:26:51,740 --> 00:26:53,979
Speaker 4: to this nigga, like, you don't even like him, but

546
00:26:54,060 --> 00:26:56,540
Speaker 4: you in the struggle, you in the hardship. So you

547
00:26:56,580 --> 00:26:59,879
Speaker 4: might be dating people, entertaining people, you know.

548
00:26:59,900 --> 00:27:03,659
Speaker 1: That you wouldn't if you weren't broke, based off your self-esteem. Yes.

549
00:27:03,840 --> 00:27:07,530
Speaker 4: And self-esteem and circumstance. Right. Not even just self-esteem, you

550
00:27:07,550 --> 00:27:09,609
Speaker 4: might think that you the baddest in the land, but

551
00:27:09,650 --> 00:27:11,530
Speaker 4: your money got you in this location.

552
00:27:11,550 --> 00:27:13,170
Speaker 3: Now you laying with Gertrude again.

553
00:27:13,230 --> 00:27:13,490
Speaker 4: Yeah.

554
00:27:14,100 --> 00:27:15,720
Speaker 1: Because he's going to help you with your day.

555
00:27:15,780 --> 00:27:17,790
Speaker 2: Gertrude, that sounds like a woman's name. Don't that sound

556
00:27:17,810 --> 00:27:22,490
Speaker 2: like an ugly ass nigga? That's a woman's name, girl. Gertrude,

557
00:27:22,710 --> 00:27:23,909
Speaker 2: that ain't no woman's name.

558
00:27:24,270 --> 00:27:28,490
Speaker 4: It could be unisex in this case. It could be unisex. Anyway,

559
00:27:28,510 --> 00:27:30,429
Speaker 4: we don't know what people doing strange these days. It

560
00:27:30,470 --> 00:27:33,709
Speaker 4: could be unisex. I don't know. Point is, people are

561
00:27:33,780 --> 00:27:36,439
Speaker 4: with people because they can't afford to have the lifestyle

562
00:27:36,460 --> 00:27:38,340
Speaker 4: they want. And, you know, I think student loans are

563
00:27:38,359 --> 00:27:40,240
Speaker 4: a big part of it. They may never say it,

564
00:27:40,280 --> 00:27:43,540
Speaker 4: but they know. All right.

565
00:27:44,590 --> 00:27:48,030
Speaker 2: What advice would you give students when they're applying for

566
00:27:48,070 --> 00:27:50,590
Speaker 2: loans versus, you know, already in debt?

567
00:27:51,190 --> 00:27:57,600
Speaker 4: So I have a philosophy. So borrowing determination equals career compensation,

568
00:27:58,119 --> 00:28:02,020
Speaker 4: meaning you should only borrow what your career is expected

569
00:28:02,060 --> 00:28:05,730
Speaker 4: to pay back times two. So, for example, a lot

570
00:28:05,770 --> 00:28:09,209
Speaker 4: of our students, particularly our black students, go to schools

571
00:28:09,250 --> 00:28:12,270
Speaker 4: that are not affordable. And I love our HBCUs. I

572
00:28:12,310 --> 00:28:16,320
Speaker 4: really do. But the challenge is when you're saying that

573
00:28:16,359 --> 00:28:19,860
Speaker 4: you want to go to school and school costs $ 60, 000

574
00:28:19,760 --> 00:28:23,740
Speaker 4: a year, but your financial aid is only $ 20, 000, where

575
00:28:23,800 --> 00:28:27,770
Speaker 4: is that $ 40, 000 coming from? And so then what happens

576
00:28:27,950 --> 00:28:31,290
Speaker 4: is your mom, let's say your mom is in her 40s, 50s.

577
00:28:31,750 --> 00:28:34,450
Speaker 4: She got her credit together at this point, right? Now,

578
00:28:34,530 --> 00:28:37,330
Speaker 4: mom has to leverage her credit for a private loan,

579
00:28:37,970 --> 00:28:40,840
Speaker 4: a Parent PLUS loan, or pull equity out of her home.

580
00:28:41,370 --> 00:28:44,230
Speaker 4: So then the cycle of debt starts all over again

581
00:28:44,600 --> 00:28:47,340
Speaker 4: when mom just got out at age 40 or 50,

582
00:28:47,340 --> 00:28:50,620
Speaker 4: maybe from her own student loan debt. So it's really

583
00:28:50,660 --> 00:28:52,780
Speaker 4: a real cycle. So I often, when I talk to

584
00:28:52,820 --> 00:28:55,020
Speaker 4: students in a high school setting, I try to set

585
00:28:55,060 --> 00:28:58,610
Speaker 4: realistic expectations about college costs. I'm like, if you need

586
00:28:58,620 --> 00:29:01,250
Speaker 4: to go to community, it's okay. First of all, here's

587
00:29:01,270 --> 00:29:04,250
Speaker 4: the big hack. The same professors that teach at the

588
00:29:04,290 --> 00:29:08,250
Speaker 4: community college teach at the four-year institutions. They're just on

589
00:29:08,290 --> 00:29:10,690
Speaker 4: a different day and a different price. That's number one.

590
00:29:11,860 --> 00:29:14,340
Speaker 4: Number two, the other thing is we have to start

591
00:29:14,360 --> 00:29:17,040
Speaker 4: looking at our state schools. Our state schools are really nice.

592
00:29:17,500 --> 00:29:20,300
Speaker 4: They're really well-funded, but nobody wants to go to the

593
00:29:20,340 --> 00:29:23,020
Speaker 4: state school. They want to go to the bigger schools,

594
00:29:23,040 --> 00:29:27,770
Speaker 4: private institutions. And then when we see students leaving with $ 80, 000,

595
00:29:27,550 --> 00:29:33,100
Speaker 4: $ 100, 000 in student loan debt for a bachelor's degree, now

596
00:29:33,180 --> 00:29:35,980
Speaker 4: you can't get no home. Again, depending on where you

597
00:29:36,000 --> 00:29:38,090
Speaker 4: want to live, the type of job, and your car

598
00:29:38,130 --> 00:29:40,920
Speaker 4: not it's like so many things that are impacted by

599
00:29:40,960 --> 00:29:42,080
Speaker 4: those four years.

600
00:29:42,340 --> 00:29:45,180
Speaker 1: Yeah you know I don't even feel like student loans

601
00:29:45,480 --> 00:29:50,100
Speaker 1: actually exist I mean because no they exist no I

602
00:29:50,140 --> 00:29:52,200
Speaker 1: mean I know they exist but what I'm saying is

603
00:29:52,800 --> 00:29:56,460
Speaker 1: can our economy can our government actually pay for every

604
00:29:56,500 --> 00:29:59,120
Speaker 1: person who goes to fill out a FAFSA and applies

605
00:29:59,140 --> 00:30:02,090
Speaker 1: to a college and get accepted to go to school.

606
00:30:02,710 --> 00:30:06,470
Speaker 1: Is there really enough money? Because suppose every teenager goes

607
00:30:06,490 --> 00:30:09,810
Speaker 1: to college, right? It's really like a cash advance on

608
00:30:09,830 --> 00:30:12,780
Speaker 1: your future paychecks. That's how I see it. Does the

609
00:30:12,820 --> 00:30:14,040
Speaker 1: money actually even exist?

610
00:30:15,320 --> 00:30:18,120
Speaker 4: Yes and no. So let's talk about that. So here's

611
00:30:18,160 --> 00:30:20,920
Speaker 4: the thing. Everybody wants right now the Biden administration to

612
00:30:20,940 --> 00:30:23,000
Speaker 4: get rid of student loan debt. But the reason why

613
00:30:23,020 --> 00:30:26,450
Speaker 4: that's not going to happen... Yeah. The reason why that's

614
00:30:26,510 --> 00:30:29,650
Speaker 4: probably not going to happen, let me be positive, possibly

615
00:30:29,690 --> 00:30:33,410
Speaker 4: not going to happen here, is because there is no

616
00:30:33,650 --> 00:30:38,380
Speaker 4: solution to stop the new generation, your cousins and your

617
00:30:38,420 --> 00:30:41,580
Speaker 4: brothers and your friends and family members, from taking on debt.

618
00:30:41,960 --> 00:30:44,160
Speaker 4: So how are we going to eliminate the existing debt

619
00:30:44,440 --> 00:30:47,640
Speaker 4: that we haven't even started a solution for the problem

620
00:30:48,050 --> 00:30:50,330
Speaker 4: for people going to school this spring or this fall?

621
00:30:50,630 --> 00:30:50,850
Speaker 2: Right.

622
00:30:51,770 --> 00:30:54,850
Speaker 4: So until we answer that question, we can't answer the

623
00:30:54,890 --> 00:30:57,580
Speaker 4: question of what to do if you already have the debt.

624
00:30:57,840 --> 00:31:00,720
Speaker 3: Right, because they're creating new debt. It's like a cycle.

625
00:31:00,840 --> 00:31:02,340
Speaker 3: So it's like, how are we going to do?

626
00:31:03,560 --> 00:31:06,180
Speaker 4: And here's the thing. I believe that the government could

627
00:31:06,220 --> 00:31:09,160
Speaker 4: do it because we have not paid student loans in

628
00:31:09,220 --> 00:31:15,709
Speaker 4: two years as a country. Did anybody die though? Right. No,

629
00:31:15,830 --> 00:31:19,090
Speaker 4: life went on. And so because life went on, it

630
00:31:19,270 --> 00:31:23,260
Speaker 4: just goes to show you It's possible. It's just something.

631
00:31:23,280 --> 00:31:25,620
Speaker 4: But let me just say this. People hate when I

632
00:31:25,660 --> 00:31:28,080
Speaker 4: talk like this, but I don't really care. If you

633
00:31:28,120 --> 00:31:31,740
Speaker 4: were to eliminate student loan debt, who is most disproportionately

634
00:31:31,780 --> 00:31:35,780
Speaker 4: affected by student loan debt? I'll answer for you. Yeah, minorities,

635
00:31:35,820 --> 00:31:38,980
Speaker 4: Black people, particularly Black women. But you got to remember,

636
00:31:39,020 --> 00:31:43,980
Speaker 4: student loan debt is tied to home ownership, real estate, investing.

637
00:31:44,340 --> 00:31:46,500
Speaker 4: So you mean to tell me you're going to let

638
00:31:46,560 --> 00:31:49,870
Speaker 4: the person in this country that's most degreed be out

639
00:31:49,910 --> 00:31:54,810
Speaker 4: here in these streets with no debt. Exactly. Yeah, that

640
00:31:54,830 --> 00:31:55,970
Speaker 4: don't even sound right out loud.

641
00:31:56,170 --> 00:31:59,130
Speaker 1: So you think we got finessed, right? We got finessed. Well,

642
00:31:59,210 --> 00:32:00,920
Speaker 1: I didn't get finessed, but a lot of people, a

643
00:32:01,020 --> 00:32:02,760
Speaker 1: lot of black people in particular got finessed in the

644
00:32:02,800 --> 00:32:05,380
Speaker 1: last election because they thought that Biden was going to

645
00:32:05,400 --> 00:32:09,560
Speaker 1: come through and just cancel student loan debt. Or, you know,

646
00:32:09,620 --> 00:32:10,560
Speaker 1: up to a certain amount.

647
00:32:11,340 --> 00:32:13,320
Speaker 4: Yeah, but we already know politicians.

648
00:32:13,660 --> 00:32:15,950
Speaker 1: Yeah, politicians say a lot of things and oftentimes they

649
00:32:15,970 --> 00:32:18,250
Speaker 1: don't deliver on the promises they tell the people to

650
00:32:18,310 --> 00:32:21,120
Speaker 1: get that vote. So what do you think we can

651
00:32:21,460 --> 00:32:24,000
Speaker 1: do as students? Because I know it affects maybe the

652
00:32:24,060 --> 00:32:26,280
Speaker 1: millennials and Gen Z the most, right?

653
00:32:26,360 --> 00:32:26,600
Speaker 4: Right.

654
00:32:26,880 --> 00:32:29,100
Speaker 1: So we just got this big ass weight over our

655
00:32:29,160 --> 00:32:31,940
Speaker 1: heads for the rest of our lives, essentially, because y'all

656
00:32:31,960 --> 00:32:33,900
Speaker 1: niggas getting $ 5 from me every month for the rest

657
00:32:33,940 --> 00:32:38,160
Speaker 1: of my life. Fuck you. But what do we do

658
00:32:38,220 --> 00:32:42,830
Speaker 1: to leverage the vote in the future and even from

659
00:32:42,870 --> 00:32:45,270
Speaker 1: this current decision? You know what I'm saying? Do we

660
00:32:45,330 --> 00:32:46,170
Speaker 1: need to then lobby?

661
00:32:46,190 --> 00:32:46,290
Speaker 4: Yeah.

662
00:32:47,090 --> 00:32:51,070
Speaker 1: Do Gen Z and millennials need to now lobby?

663
00:32:51,090 --> 00:32:55,750
Speaker 4: I do believe we do need to start holding these politicians,

664
00:32:56,070 --> 00:33:00,230
Speaker 4: particularly this administration, accountable. And we do that by withholding

665
00:33:00,270 --> 00:33:02,860
Speaker 4: our vote. We do that by lobbying. We do that

666
00:33:02,900 --> 00:33:05,720
Speaker 4: by being more vocal on a state level. Because there's

667
00:33:05,780 --> 00:33:08,060
Speaker 4: money and funding that could help. Because different states are

668
00:33:08,100 --> 00:33:11,720
Speaker 4: creating different programs to get their millennials and Gen Z

669
00:33:11,780 --> 00:33:14,360
Speaker 4: out of debt. The other thing is, too, we got

670
00:33:14,380 --> 00:33:16,880
Speaker 4: to also not just wait on the government. And so

671
00:33:16,900 --> 00:33:18,620
Speaker 4: what I tell people is you don't have a student

672
00:33:18,660 --> 00:33:21,800
Speaker 4: loan problem. You have a streams of income problem. And

673
00:33:21,900 --> 00:33:23,420
Speaker 4: people get a little offended when I say that. But

674
00:33:23,440 --> 00:33:25,640
Speaker 4: what I mean by that is, is that you can't

675
00:33:25,680 --> 00:33:29,040
Speaker 4: rely on as a millennial or a Gen Z to

676
00:33:29,080 --> 00:33:31,600
Speaker 4: just have one job that's going to take care of

677
00:33:31,680 --> 00:33:34,330
Speaker 4: all your needs. I've never seen it. Like, even if

678
00:33:34,370 --> 00:33:37,290
Speaker 4: you make six figures, you know, cost of living has

679
00:33:37,350 --> 00:33:40,650
Speaker 4: gone up. You need to have your job pay for

680
00:33:40,690 --> 00:33:44,760
Speaker 4: your bare expenses. But then you need another stream. I

681
00:33:44,760 --> 00:33:48,020
Speaker 4: didn't say job, stream of income you can attach to

682
00:33:48,060 --> 00:33:51,380
Speaker 4: your student loan debt, particularly for women. The psychology is

683
00:33:51,520 --> 00:33:54,830
Speaker 4: men don't have as much student loan debt because they

684
00:33:54,850 --> 00:33:58,010
Speaker 4: like laser focus and get rid of it, right? Women

685
00:33:58,530 --> 00:34:02,650
Speaker 4: do not separate student loan debt from their other expenses,

686
00:34:02,710 --> 00:34:07,030
Speaker 4: therefore not prioritizing it. So I've been teaching women to say, hey,

687
00:34:07,710 --> 00:34:10,050
Speaker 4: if you were to start doing, I'm making this up,

688
00:34:10,719 --> 00:34:14,370
Speaker 4: Uber on the weekends, right? That Uber money goes straight

689
00:34:14,410 --> 00:34:17,629
Speaker 4: to your student loan payment. So a woman can do

690
00:34:17,670 --> 00:34:20,350
Speaker 4: something like that because we're saying, okay, this is separate money.

691
00:34:20,370 --> 00:34:22,489
Speaker 4: This is the avenue for that money. So I think

692
00:34:22,530 --> 00:34:25,779
Speaker 4: it's really just about teaching people, you know, one, to

693
00:34:25,860 --> 00:34:29,880
Speaker 4: hold our administration accountable, but two, not just wait on

694
00:34:29,920 --> 00:34:32,620
Speaker 4: them to do something. What can you do with your

695
00:34:32,700 --> 00:34:35,480
Speaker 4: gifts and talents that you get paid for at your

696
00:34:35,500 --> 00:34:39,640
Speaker 4: job And, you know, the word entrepreneurship can be scary

697
00:34:39,660 --> 00:34:42,030
Speaker 4: for some people, but what can you do to bring

698
00:34:42,090 --> 00:34:45,330
Speaker 4: in additional income to live the life that you want

699
00:34:45,350 --> 00:34:45,689
Speaker 4: to live?

700
00:34:46,270 --> 00:34:48,710
Speaker 2: I wish they could go ahead and fucking repossess my

701
00:34:48,750 --> 00:34:50,530
Speaker 2: motherfucking degree at this point.

702
00:34:50,650 --> 00:34:53,410
Speaker 4: Girl, I put it out on the curb for them.

703
00:34:53,450 --> 00:34:53,830
Speaker 1: Exactly.

704
00:34:55,050 --> 00:34:58,660
Speaker 4: Come pick it up. Well, you know what? Here's the thing.

705
00:34:58,739 --> 00:35:01,180
Speaker 4: I got a few degrees. I do better with this.

706
00:35:01,340 --> 00:35:04,239
Speaker 4: I think that, you know, having a college degree is

707
00:35:05,340 --> 00:35:08,370
Speaker 4: an honor, like it says something about you and it

708
00:35:08,410 --> 00:35:13,410
Speaker 4: makes your family proud, particularly because we are still not

709
00:35:13,489 --> 00:35:17,750
Speaker 4: many generations away from our parents and grandparents not having

710
00:35:17,890 --> 00:35:21,259
Speaker 4: access to college, right? So let me just give you

711
00:35:21,280 --> 00:35:25,000
Speaker 4: my story, quick story. My grandmother is, well, she passed on,

712
00:35:25,020 --> 00:35:26,140
Speaker 4: but she was one of seven.

713
00:35:26,160 --> 00:35:27,160
Speaker 3: I'm sorry.

714
00:35:27,920 --> 00:35:30,500
Speaker 4: No, it's fine. Trust me, she had a great life.

715
00:35:30,540 --> 00:35:35,410
Speaker 4: So long story short, her uncle, They were in South Carolina,

716
00:35:35,450 --> 00:35:38,370
Speaker 4: had pulled them all together, all seven of them, and said,

717
00:35:38,770 --> 00:35:41,850
Speaker 4: you guys need to vote which one is going to

718
00:35:41,890 --> 00:35:45,290
Speaker 4: be sent to college. Now, remember, this is back in

719
00:35:45,310 --> 00:35:48,440
Speaker 4: the 50s. Ain't no financial aid and all that other stuff, right?

720
00:35:49,239 --> 00:35:53,020
Speaker 4: So they voted for 40s or 50s at this time.

721
00:35:53,080 --> 00:35:54,759
Speaker 4: I can't remember. It might have been the 40s. They

722
00:35:54,800 --> 00:35:56,660
Speaker 4: voted for my grandmother to be the one to go

723
00:35:56,680 --> 00:35:59,180
Speaker 4: to college. So she went to college. She said it

724
00:35:59,200 --> 00:36:01,189
Speaker 4: was a big burden on her back to graduate because

725
00:36:01,270 --> 00:36:04,190
Speaker 4: obviously she You know, she got picked and he cash paid.

726
00:36:05,850 --> 00:36:08,310
Speaker 4: So then she became a school teacher. So then she

727
00:36:08,350 --> 00:36:11,230
Speaker 4: made sure that the rest of my aunts and uncles

728
00:36:11,290 --> 00:36:15,120
Speaker 4: and my mom went to school or the military. So

729
00:36:15,340 --> 00:36:18,700
Speaker 4: I grew up knowing only one of two choices. And

730
00:36:18,739 --> 00:36:21,100
Speaker 4: my family either had to go to college or the

731
00:36:21,140 --> 00:36:24,299
Speaker 4: military because that's what she was told. So it was

732
00:36:24,340 --> 00:36:27,270
Speaker 4: a lot of pressure growing up. In hindsight, when I

733
00:36:27,290 --> 00:36:30,910
Speaker 4: think about like all my gifts and talents, Do what

734
00:36:30,969 --> 00:36:34,050
Speaker 4: I have needed to really go to college, like me personally.

735
00:36:34,630 --> 00:36:36,469
Speaker 4: I've been hustling since I was a little girl because

736
00:36:36,510 --> 00:36:38,050
Speaker 4: I never wanted to ask my mom for no money.

737
00:36:38,550 --> 00:36:40,649
Speaker 4: I was doing all types of stuff outside, making fake

738
00:36:40,710 --> 00:36:43,009
Speaker 4: carnival rides for dollars. You know, it's a story for

739
00:36:43,030 --> 00:36:43,469
Speaker 4: another day.

740
00:36:43,489 --> 00:36:43,969
Speaker 1: But the point is.

741
00:36:47,830 --> 00:36:49,950
Speaker 4: I was always hustling. Like, I would be the girl

742
00:36:49,969 --> 00:36:52,780
Speaker 4: that would bag up the candy. Y'all had the little candies?

743
00:36:52,800 --> 00:36:53,160
Speaker 1: Yes.

744
00:36:53,280 --> 00:36:56,779
Speaker 4: And then I would buy them and re-bag them because,

745
00:36:57,200 --> 00:36:59,140
Speaker 4: you know, you should have went to the store that morning.

746
00:36:59,160 --> 00:37:02,819
Speaker 4: That's your fault. So, but I got it for you

747
00:37:02,880 --> 00:37:04,759
Speaker 4: right now. I don't even know. This not even sounding good.

748
00:37:04,820 --> 00:37:05,750
Speaker 4: I love it.

749
00:37:05,810 --> 00:37:07,570
Speaker 2: Let me find out. She stepped on the candy. She

750
00:37:07,590 --> 00:37:10,090
Speaker 2: stepped on the candy and re-bagged it.

751
00:37:10,130 --> 00:37:13,890
Speaker 4: I am so glad. Listen, I'm so glad my mom

752
00:37:13,969 --> 00:37:16,960
Speaker 4: raised me in a nice neighborhood. Because you could have

753
00:37:16,980 --> 00:37:19,480
Speaker 4: had me bagged something else. See how susceptible I could

754
00:37:19,500 --> 00:37:20,259
Speaker 4: have been? Right.

755
00:37:21,070 --> 00:37:22,280
Speaker 1: Opportunist, yeah.

756
00:37:23,170 --> 00:37:25,950
Speaker 4: And I remember I got caught in school with the candy. Like,

757
00:37:26,050 --> 00:37:28,650
Speaker 4: I had a book bag of candies, right? And the

758
00:37:28,690 --> 00:37:31,650
Speaker 4: teacher was like, what are you doing? So I got

759
00:37:31,670 --> 00:37:34,510
Speaker 4: to get out of this situation. So I was like,

760
00:37:34,870 --> 00:37:37,500
Speaker 4: I said, well, listen. I was like, my mom, like,

761
00:37:37,540 --> 00:37:38,660
Speaker 4: I hit him with it. I was like, my mom's

762
00:37:38,680 --> 00:37:40,960
Speaker 4: the only, I was like, my mom's a single mom.

763
00:37:41,520 --> 00:37:43,660
Speaker 4: I was like, and I can't ask her for lunch

764
00:37:43,680 --> 00:37:46,440
Speaker 4: this week. So I had to sell my candy. Do

765
00:37:46,480 --> 00:37:49,920
Speaker 4: you want to buy some candy? Period.

766
00:37:49,940 --> 00:37:52,520
Speaker 1: You hear me? Did you buy some?

767
00:37:52,540 --> 00:37:55,520
Speaker 4: I definitely got my dollar. Yes, I did.

768
00:37:55,580 --> 00:37:56,000
Speaker 1: Yes, I did.

769
00:37:56,020 --> 00:37:57,860
Speaker 4: Aw. Snickers. We only had two choices there. So what

770
00:37:57,960 --> 00:37:59,000
Speaker 4: are we going to do here? Are you going to

771
00:37:59,020 --> 00:38:01,320
Speaker 4: stop this production? Or it could be worse, sir. It

772
00:38:01,340 --> 00:38:04,320
Speaker 4: could be worse. I could sell something else, okay? So anyway,

773
00:38:04,719 --> 00:38:09,049
Speaker 4: the point is, if you think about that, like I

774
00:38:09,160 --> 00:38:12,830
Speaker 4: always was selling or creating some experience, right? I really

775
00:38:12,870 --> 00:38:15,570
Speaker 4: liked money since I was little. Long story short, if

776
00:38:15,890 --> 00:38:20,859
Speaker 4: my mom had knew better and if entrepreneurship is what

777
00:38:20,900 --> 00:38:23,819
Speaker 4: it is now, back then, I could have just, you know,

778
00:38:23,860 --> 00:38:26,900
Speaker 4: been a millionaire a long time ago, you know? So

779
00:38:26,920 --> 00:38:28,700
Speaker 4: I'm going to just forgive her for that. She ain't

780
00:38:28,719 --> 00:38:29,259
Speaker 4: know no better.

781
00:38:29,340 --> 00:38:31,279
Speaker 1: And I think that's what the new generation is leaning

782
00:38:31,320 --> 00:38:34,299
Speaker 1: towards because we went to college because, you know, some

783
00:38:34,340 --> 00:38:36,160
Speaker 1: of our parents didn't. I know, Tam, your parents went

784
00:38:36,200 --> 00:38:38,200
Speaker 1: to college. But my mom didn't go to college. So

785
00:38:38,219 --> 00:38:40,680
Speaker 1: they kind of pushed you out there. But now our

786
00:38:40,719 --> 00:38:45,799
Speaker 1: generation is leaning more towards ownership, entrepreneurships. I feel like

787
00:38:45,820 --> 00:38:48,219
Speaker 1: the newer kids, like the younger kids are going to

788
00:38:48,239 --> 00:38:50,879
Speaker 1: come out. Like, yeah, you can go to college, but

789
00:38:51,500 --> 00:38:53,790
Speaker 1: maybe college isn't for you. Like, personally, I wish I

790
00:38:53,830 --> 00:38:55,250
Speaker 1: would have went to college later in life.

791
00:38:56,030 --> 00:38:56,509
Speaker 4: Like, now.

792
00:38:57,010 --> 00:38:59,670
Speaker 1: You know what I'm saying? On my late 20s. Instead of, like,

793
00:38:59,690 --> 00:39:04,020
Speaker 1: right out of high school because I wasn't as focused. So,

794
00:39:04,070 --> 00:39:04,890
Speaker 1: I wasted money.

795
00:39:06,290 --> 00:39:08,820
Speaker 3: I definitely did two sophomore years.

796
00:39:09,320 --> 00:39:12,180
Speaker 4: Fucking off you say you let you left out in

797
00:39:12,219 --> 00:39:13,020
Speaker 4: sophomore year.

798
00:39:13,040 --> 00:39:15,800
Speaker 2: No i did i did my sophomore year twice because

799
00:39:15,860 --> 00:39:19,910
Speaker 2: right the first year i was outside tuesday wednesday thursday

800
00:39:19,950 --> 00:39:24,370
Speaker 2: friday saturday sunday i'm class i'm not here.

801
00:39:24,270 --> 00:39:27,569
Speaker 1: For class and we both went to exactly we both

802
00:39:27,610 --> 00:39:31,630
Speaker 1: went to a private black hbc that at the time,

803
00:39:31,870 --> 00:39:32,850
Speaker 1: that shit was $ 18, 000 a semester.

804
00:39:36,010 --> 00:39:36,910
Speaker 4: A semester?

805
00:39:37,010 --> 00:39:37,990
Speaker 3: It was so expensive.

806
00:39:38,090 --> 00:39:38,230
Speaker 4: Yes.

807
00:39:38,250 --> 00:39:39,589
Speaker 3: And I was out there fucking off.

808
00:39:39,930 --> 00:39:41,910
Speaker 1: I did not have... No, no, I'm lying. It was

809
00:39:41,910 --> 00:39:44,339
Speaker 1: $ 18, 000 a year at the time. Because I remember, like,

810
00:39:44,600 --> 00:39:46,759
Speaker 1: I'm looking at my awards letter right now. I think

811
00:39:46,800 --> 00:39:49,760
Speaker 1: it was more than $ 18, 000 a year. $ 76, 000, $ 66, 000, like $ 7, 000.

812
00:39:49,560 --> 00:39:50,560
Speaker 1: What year was this?

813
00:39:50,580 --> 00:39:51,319
Speaker 4: What year was this?

814
00:39:52,140 --> 00:39:53,620
Speaker 1: I started.

815
00:39:54,540 --> 00:39:55,180
Speaker 4: In 2002.

816
00:39:55,180 --> 00:39:55,660
Speaker 1: 2002.

817
00:39:55,660 --> 00:39:58,210
Speaker 4: So, no, that's about $ 20, 000.

818
00:39:57,070 --> 00:39:58,710
Speaker 1: For the year. $ 20, 000 for the year.

819
00:39:58,730 --> 00:40:00,790
Speaker 4: Yeah, yeah, that's about right. Because I went to school in.

820
00:40:00,870 --> 00:40:03,350
Speaker 1: And it kept going up. 2005.

821
00:40:03,350 --> 00:40:06,710
Speaker 4: Yeah. That's about right. That's about right. Yep. That's still

822
00:40:06,730 --> 00:40:07,509
Speaker 4: a lot of money, though.

823
00:40:07,730 --> 00:40:08,390
Speaker 1: Yeah, it was.

824
00:40:08,570 --> 00:40:10,279
Speaker 3: Especially to just be playing with.

825
00:40:11,120 --> 00:40:12,620
Speaker 2: If I had the sense I have now, I would

826
00:40:12,660 --> 00:40:15,060
Speaker 2: have graduated in two years instead of five.

827
00:40:15,460 --> 00:40:16,040
Speaker 1: Exactly.

828
00:40:17,380 --> 00:40:20,980
Speaker 4: You know, here's the thing. You know, the college experience,

829
00:40:21,520 --> 00:40:25,650
Speaker 4: if done correctly, can never be redone in life. That's true.

830
00:40:26,650 --> 00:40:29,810
Speaker 4: It is something that you will, like, literally, I had

831
00:40:29,850 --> 00:40:33,070
Speaker 4: a kickback last night, and it was with my college friends,

832
00:40:33,150 --> 00:40:36,320
Speaker 4: and I remember it was so nostalgic, like, Y'all remember

833
00:40:36,360 --> 00:40:38,760
Speaker 4: we used to do this and we've grown now, right? So,

834
00:40:39,360 --> 00:40:43,569
Speaker 4: but that experience and those friendships and those relationships, and

835
00:40:43,590 --> 00:40:46,009
Speaker 4: then even if you really do it right, leverage them

836
00:40:46,050 --> 00:40:50,210
Speaker 4: into your professional space. For that reason, I wouldn't take

837
00:40:50,270 --> 00:40:54,310
Speaker 4: back going to college for that reason. The educational component,

838
00:40:54,350 --> 00:40:56,049
Speaker 4: I can't, you know, I can't.

839
00:40:55,760 --> 00:40:56,089
Speaker 1: Say about that.

840
00:40:56,160 --> 00:40:57,360
Speaker 3: And the debt component.

841
00:40:57,600 --> 00:40:57,839
Speaker 4: Yes.

842
00:40:57,880 --> 00:40:58,420
Speaker 1: But the friendships.

843
00:40:58,460 --> 00:41:02,970
Speaker 4: Yeah. I think it was just friendships and then learning people.

844
00:41:02,989 --> 00:41:07,210
Speaker 4: I'm going to be honest with you. College was the

845
00:41:07,230 --> 00:41:09,710
Speaker 4: first time I really interacted with white people because I'm

846
00:41:09,730 --> 00:41:12,930
Speaker 4: from the inner city of Philly. I might have seen

847
00:41:12,989 --> 00:41:15,049
Speaker 4: one or two in high school and they was trying

848
00:41:15,070 --> 00:41:18,270
Speaker 4: to be black. These was real white people. They never

849
00:41:18,310 --> 00:41:19,230
Speaker 4: seen me either.

850
00:41:20,530 --> 00:41:21,930
Speaker 3: It was a culture shock.

851
00:41:22,690 --> 00:41:26,430
Speaker 4: Oh my God. Literally, the girl, my roommate, her mom

852
00:41:26,469 --> 00:41:29,859
Speaker 4: and dad were so scared. I had asked her I said, well,

853
00:41:29,880 --> 00:41:31,700
Speaker 4: what do you know about black people? And what did

854
00:41:31,719 --> 00:41:35,220
Speaker 4: you see? And y'all remember, I love New York.

855
00:41:35,840 --> 00:41:39,180
Speaker 2: That was her point of reference.

856
00:41:40,050 --> 00:41:40,690
Speaker 4: Yes.

857
00:41:41,770 --> 00:41:43,970
Speaker 1: I said, oh, we going to be in trouble.

858
00:41:45,150 --> 00:41:47,270
Speaker 4: So I asked, I said, have you ever seen the Cosby's?

859
00:41:48,230 --> 00:41:49,870
Speaker 1: That's me, bitch.

860
00:41:52,550 --> 00:41:54,029
Speaker 4: She was like, no. I said, well, this is what

861
00:41:54,050 --> 00:41:56,110
Speaker 4: I want you to do this weekend. I want you

862
00:41:56,160 --> 00:41:57,950
Speaker 4: to watch a few episodes with your parents.

863
00:41:58,110 --> 00:41:58,390
Speaker 1: Right.

864
00:41:58,510 --> 00:42:04,500
Speaker 4: True story. I'm getting bitches over excited. She was like, okay.

865
00:42:04,880 --> 00:42:09,300
Speaker 4: She came back. Girl, they had brought me some brownies

866
00:42:09,320 --> 00:42:10,819
Speaker 4: and I didn't eat them though because I don't know them.

867
00:42:11,360 --> 00:42:13,719
Speaker 4: But it was nice though. They brought me some brownies

868
00:42:14,140 --> 00:42:17,000
Speaker 4: and we were able to get along better because all

869
00:42:17,060 --> 00:42:19,620
Speaker 4: she saw was ranch and TV. She would have never

870
00:42:19,660 --> 00:42:21,980
Speaker 4: known about the Cosmys. And I think it made her

871
00:42:22,000 --> 00:42:22,419
Speaker 4: feel better.

872
00:42:22,700 --> 00:42:24,660
Speaker 1: Yeah, that's funny. She's like, hi.

873
00:42:25,790 --> 00:42:29,730
Speaker 2: My parents brought some fried chicken and watermelon for you back.

874
00:42:30,810 --> 00:42:33,770
Speaker 3: Because we heard you like that.

875
00:42:35,370 --> 00:42:37,650
Speaker 4: They brought me brownies. That was fake. If it would

876
00:42:37,670 --> 00:42:39,790
Speaker 4: have been some fried chicken, oh, hell no.

877
00:42:39,830 --> 00:42:41,529
Speaker 1: Like, oh, my God.

878
00:42:41,610 --> 00:42:43,810
Speaker 4: I would not even eat it.

879
00:42:43,850 --> 00:42:45,570
Speaker 1: They brought brownies for a brownie.

880
00:42:45,590 --> 00:42:50,770
Speaker 4: You ordered something. Subliminally.

881
00:42:51,350 --> 00:42:51,750
Speaker 1: Right.

882
00:42:52,810 --> 00:42:54,590
Speaker 4: I just sent her a Facebook message.

883
00:42:54,690 --> 00:43:00,200
Speaker 1: I've got time. So listen, what are some things aside

884
00:43:00,260 --> 00:43:05,239
Speaker 1: from consolidating? Because I never consolidate my student loans. Okay,

885
00:43:05,260 --> 00:43:08,719
Speaker 1: so two-part question. Is it okay to, should you consolidate

886
00:43:08,760 --> 00:43:13,080
Speaker 1: with a third-party lender? If not, what are some other

887
00:43:13,120 --> 00:43:16,940
Speaker 1: things you can do aside from repaying that shit yourself,

888
00:43:17,880 --> 00:43:21,239
Speaker 1: Or consolidating? Because I got a few ideas myself, but

889
00:43:21,280 --> 00:43:22,160
Speaker 1: I just haven't executed them.

890
00:43:22,200 --> 00:43:23,799
Speaker 4: I'm going to give you all a big hack that

891
00:43:23,840 --> 00:43:25,960
Speaker 4: I only teach, and I'm not even being funny when

892
00:43:26,000 --> 00:43:29,950
Speaker 4: I say this, when I get paid thousands of dollars. So,

893
00:43:30,850 --> 00:43:32,850
Speaker 4: and this is for everybody listening, if they really smart,

894
00:43:32,870 --> 00:43:35,690
Speaker 4: they'll pause the podcast and go run a play and

895
00:43:35,730 --> 00:43:38,210
Speaker 4: come right back. So here's the thing. I want to

896
00:43:38,230 --> 00:43:39,650
Speaker 4: talk about the first question, though, because this is where

897
00:43:39,670 --> 00:43:43,390
Speaker 4: people get in trouble. Consolidating with a federal lender is okay.

898
00:43:43,989 --> 00:43:46,670
Speaker 4: When you talk about refinancing your loan with somebody out

899
00:43:46,710 --> 00:43:48,390
Speaker 4: of the federal space because they try to make it

900
00:43:48,410 --> 00:43:51,390
Speaker 4: seem like it's the same thing, that's not okay. Let

901
00:43:51,410 --> 00:43:53,470
Speaker 4: me give you an example. I had a client who

902
00:43:53,489 --> 00:43:55,560
Speaker 4: did not want to listen to us. She was like, well,

903
00:43:55,640 --> 00:43:58,600
Speaker 4: I got good credit. I'm going to refinance my loan.

904
00:43:59,020 --> 00:44:01,439
Speaker 4: She did it right before the pandemic. What do y'all

905
00:44:01,460 --> 00:44:03,759
Speaker 4: think happened when the pandemic hit with her loans? She

906
00:44:03,780 --> 00:44:04,800
Speaker 4: took them from being federal.

907
00:44:05,160 --> 00:44:10,350
Speaker 1: Interest rate went up? No, no, no. Not just that.

908
00:44:10,790 --> 00:44:13,250
Speaker 4: She couldn't take advantage of the moratorium.

909
00:44:13,690 --> 00:44:14,390
Speaker 1: Oh, right.

910
00:44:15,290 --> 00:44:17,110
Speaker 4: Because her ass went private.

911
00:44:17,320 --> 00:44:18,379
Speaker 1: Right, okay.

912
00:44:19,030 --> 00:44:21,700
Speaker 4: So two years she would have had to not make

913
00:44:21,739 --> 00:44:23,440
Speaker 4: a payment, but to make a payment and get on

914
00:44:23,460 --> 00:44:25,720
Speaker 4: top of the principal, which was what I hope people

915
00:44:25,739 --> 00:44:27,580
Speaker 4: did during this pandemic. I know they didn't, but I

916
00:44:27,620 --> 00:44:30,500
Speaker 4: hope they did. She couldn't do. She still had to pay.

917
00:44:30,860 --> 00:44:35,680
Speaker 4: Like she wasn't in no pandemic. And that's why I

918
00:44:35,680 --> 00:44:38,010
Speaker 4: tell people, You have a lot of student loan debt.

919
00:44:38,030 --> 00:44:40,270
Speaker 4: I don't care if you got good credit. Leave them

920
00:44:40,350 --> 00:44:45,750
Speaker 4: in the federal space because if a signed executive act

921
00:44:46,130 --> 00:44:48,940
Speaker 4: gets passed tomorrow, your ass ain't a part of it.

922
00:44:51,980 --> 00:44:53,900
Speaker 4: So that's a part of it. All right, now let

923
00:44:53,920 --> 00:44:55,680
Speaker 4: me give you my hack. This is what I call

924
00:44:56,440 --> 00:44:59,660
Speaker 4: the entrepreneur loan forgiveness hack. Now, you don't have to

925
00:44:59,700 --> 00:45:01,739
Speaker 4: be an entrepreneur to do it. It just is a

926
00:45:01,800 --> 00:45:04,910
Speaker 4: really good hack that if somebody was thinking about entrepreneurship,

927
00:45:05,260 --> 00:45:08,830
Speaker 4: could start their entrepreneur journey, I would recommend it. And

928
00:45:08,870 --> 00:45:12,090
Speaker 4: how the hack goes is this. Basically, long story short,

929
00:45:12,610 --> 00:45:16,210
Speaker 4: let's say, okay, guys, I'm going to pull you all

930
00:45:16,250 --> 00:45:18,870
Speaker 4: in for an example. It's better when I pull somebody in. Okay,

931
00:45:18,890 --> 00:45:20,859
Speaker 4: do you guys have a business or a business you're

932
00:45:20,880 --> 00:45:24,000
Speaker 4: thinking about starting? Yes. Okay, give me... I'm going to

933
00:45:24,020 --> 00:45:24,459
Speaker 4: run the play.

934
00:45:25,239 --> 00:45:27,939
Speaker 1: All right, so... You talk back. All right, sure.

935
00:45:29,120 --> 00:45:31,419
Speaker 4: The podcast, right? You monetize the podcast, right?

936
00:45:31,440 --> 00:45:31,880
Speaker 2: Mm-hmm.

937
00:45:32,560 --> 00:45:35,290
Speaker 4: Okay. Now, let me ask you a question. Have you

938
00:45:35,350 --> 00:45:38,690
Speaker 4: ever thought about doing something really good with this podcast

939
00:45:39,150 --> 00:45:42,930
Speaker 4: in terms of, like, being a give-back? Like, being a

940
00:45:42,950 --> 00:45:45,049
Speaker 4: good giver in some type of way? Like, anything you

941
00:45:45,110 --> 00:45:48,430
Speaker 4: ever wanted to do? If money wasn't a thing and

942
00:45:48,450 --> 00:45:50,360
Speaker 4: you wanted to use this platform to give back, what

943
00:45:50,380 --> 00:45:52,400
Speaker 4: would that look like? Um.

944
00:45:55,200 --> 00:45:57,930
Speaker 1: I don't know. I never thought about that. Yeah. Something

945
00:45:57,950 --> 00:46:01,029
Speaker 1: that's not monetary, right? That's what you're saying?

946
00:46:01,050 --> 00:46:03,310
Speaker 4: Yes. So let me give you an example. This is

947
00:46:03,350 --> 00:46:04,509
Speaker 4: what I do for a living. Let me run a

948
00:46:04,530 --> 00:46:05,989
Speaker 4: play for y'all. So let's say.

949
00:46:06,010 --> 00:46:07,810
Speaker 1: Who's going to donate to us to do something with

950
00:46:07,830 --> 00:46:08,569
Speaker 1: this business, right?

951
00:46:08,610 --> 00:46:10,890
Speaker 4: Is that what you're saying? No, not just you. No, no, no. No, no.

952
00:46:10,930 --> 00:46:14,700
Speaker 4: Don't get ahead. No, I'm listening. No, I'm really teaching

953
00:46:14,719 --> 00:46:16,299
Speaker 4: real life. I'm like, no, no, no. Come on, come back.

954
00:46:16,600 --> 00:46:19,080
Speaker 4: All right, listen. Let's say we took this podcast, right?

955
00:46:19,640 --> 00:46:23,259
Speaker 4: And we wanted to actually set up a tour, right?

956
00:46:24,480 --> 00:46:27,620
Speaker 4: And on the tour, we had a live episode taping.

957
00:46:28,100 --> 00:46:31,660
Speaker 4: And then the next day, we had some type of

958
00:46:31,739 --> 00:46:36,049
Speaker 4: sister circle meeting. I'm making this all the way up, right? Now,

959
00:46:36,150 --> 00:46:42,310
Speaker 4: that could be paid for through your nonprofit, where women, ages, whatever, whatever,

960
00:46:42,730 --> 00:46:47,089
Speaker 4: could come and could fellowship, could network. That's a nonprofit.

961
00:46:47,110 --> 00:46:50,919
Speaker 4: You can start with that. So the podcast is your

962
00:46:51,000 --> 00:46:53,529
Speaker 4: for-profit entity because you are making or would like to

963
00:46:53,570 --> 00:46:56,410
Speaker 4: make profit with this. But let's say you really wanted

964
00:46:56,450 --> 00:46:59,810
Speaker 4: to really touch the women in those particular cities and

965
00:46:59,910 --> 00:47:03,370
Speaker 4: do what, call it a talkback kickback. I don't know.

966
00:47:03,390 --> 00:47:04,570
Speaker 4: I'm making this up, right?

967
00:47:04,770 --> 00:47:06,509
Speaker 1: Yeah, thank you.

968
00:47:08,590 --> 00:47:11,600
Speaker 4: Now, let's say you're like, all right, I got to

969
00:47:11,620 --> 00:47:14,339
Speaker 4: get some sponsors for that. But maybe initially you don't

970
00:47:14,380 --> 00:47:16,000
Speaker 4: have any because they need to see that this is

971
00:47:16,040 --> 00:47:18,730
Speaker 4: a proven concept that works. Once they see you go

972
00:47:18,790 --> 00:47:21,469
Speaker 4: to Atlanta and you put 500 women in the rooms

973
00:47:21,530 --> 00:47:25,900
Speaker 4: and just talk about real women shit, now Coca-Cola want

974
00:47:25,920 --> 00:47:29,419
Speaker 4: to sponsor you, right? But we didn't get that far. Initially,

975
00:47:29,440 --> 00:47:33,420
Speaker 4: let's say the venue costs $ 1, 000. Let's say refreshments cost $ 500.

976
00:47:33,260 --> 00:47:39,710
Speaker 4: And your extended day at the hotel was $ 300. That's $ 1, 800.

977
00:47:38,910 --> 00:47:39,630
Speaker 4: Y'all follow?

978
00:47:39,650 --> 00:47:40,310
Speaker 3: Mm-hmm.

979
00:47:41,150 --> 00:47:46,570
Speaker 4: The for-profit would pay the non-profits. The $ 1, 800. So now

980
00:47:46,830 --> 00:47:50,689
Speaker 4: you just made a really great tax write-off for your for-profit,

981
00:47:51,050 --> 00:47:56,790
Speaker 4: number one. Number two, guess what you just made you

982
00:47:56,870 --> 00:47:57,890
Speaker 4: two eligible for?

983
00:47:58,890 --> 00:48:01,460
Speaker 1: Donations to get paid through the non-profit?

984
00:48:01,940 --> 00:48:02,900
Speaker 4: No, let's go back to student loan.

985
00:48:02,920 --> 00:48:03,460
Speaker 1: Forgiveness.

986
00:48:04,060 --> 00:48:04,560
Speaker 4: Forgiveness.

987
00:48:04,960 --> 00:48:05,480
Speaker 1: Oh, okay.

988
00:48:06,360 --> 00:48:10,000
Speaker 4: Now you're eligible to enroll yourself in the Public Service

989
00:48:10,040 --> 00:48:13,589
Speaker 4: Loan Forgiveness Program. Ah, ha, ha. You got real money

990
00:48:13,630 --> 00:48:17,230
Speaker 4: coming in. You do take a stipend pay out of

991
00:48:17,250 --> 00:48:20,070
Speaker 4: the nonprofit to show you got paid. It's not free.

992
00:48:20,950 --> 00:48:23,980
Speaker 4: And now you're eligible for the forgiveness program. And it's

993
00:48:24,080 --> 00:48:27,600
Speaker 4: little nuances in between here. I'm skipping, of course. But basically,

994
00:48:28,080 --> 00:48:30,600
Speaker 4: that's the general concept. And so what I've been saying

995
00:48:30,640 --> 00:48:33,600
Speaker 4: to entrepreneurs, because so many people want to go into entrepreneurship,

996
00:48:34,020 --> 00:48:36,790
Speaker 4: but are scared because of their student loans or whatever.

997
00:48:38,030 --> 00:48:42,009
Speaker 4: Start your entrepreneurship journey. But I think that every entrepreneur,

998
00:48:42,070 --> 00:48:44,390
Speaker 4: every business should be thinking about what I call a

999
00:48:44,469 --> 00:48:48,589
Speaker 4: nonprofit arm. The nonprofit arm sets you up to have

1000
00:48:48,670 --> 00:48:52,510
Speaker 4: taxes written off and sets you up to have public

1001
00:48:52,550 --> 00:48:55,549
Speaker 4: service loan forgiveness success. So not only are you being

1002
00:48:55,590 --> 00:48:58,600
Speaker 4: a great giver, you're also giving back to yourself.

1003
00:48:59,380 --> 00:49:02,120
Speaker 1: Girl, you just dropped a motherfucking jewel. Y'all heard that?

1004
00:49:02,160 --> 00:49:03,459
Speaker 4: That is a motherfucking bar.

1005
00:49:03,480 --> 00:49:06,420
Speaker 1: That was a bar. Yeah, so we all about to

1006
00:49:06,480 --> 00:49:08,280
Speaker 1: have 501c3s now.

1007
00:49:09,340 --> 00:49:15,790
Speaker 4: Literally, this is what the rich, the wealthy business and

1008
00:49:15,810 --> 00:49:18,950
Speaker 4: corporations do. I didn't say anything that was super deep.

1009
00:49:19,290 --> 00:49:21,680
Speaker 4: I just said it to them. it was tangible for

1010
00:49:21,760 --> 00:49:23,620
Speaker 4: you to be able to go do it and run

1011
00:49:23,680 --> 00:49:26,010
Speaker 4: the play. And the person that's listening to this that's

1012
00:49:26,070 --> 00:49:28,969
Speaker 4: really savvy, they're going to go do that. Because I

1013
00:49:28,989 --> 00:49:31,870
Speaker 4: just told you one, would you rather pay your nonprofits

1014
00:49:31,890 --> 00:49:35,850
Speaker 4: to advance your cause or would you rather pay the IRS? You.

1015
00:49:36,050 --> 00:49:39,930
Speaker 4: The money got to go somewhere anyway. Mine will go

1016
00:49:40,410 --> 00:49:41,390
Speaker 4: to being a great giver.

1017
00:49:42,640 --> 00:49:48,440
Speaker 1: Interesting. I've done a little bit of research on that,

1018
00:49:48,480 --> 00:49:50,840
Speaker 1: but obviously I haven't implemented it. I got a lot

1019
00:49:51,160 --> 00:49:55,259
Speaker 1: of student loan debt. A lot of student loan debt.

1020
00:49:55,610 --> 00:49:58,030
Speaker 4: I think you guys can do it. Absolutely.

1021
00:49:58,810 --> 00:50:01,390
Speaker 1: The one thing I was looking at was the... Have

1022
00:50:01,410 --> 00:50:03,750
Speaker 1: you heard of this? It's the Bauer....

1023
00:50:05,230 --> 00:50:06,750
Speaker 4: Borrower, yes.

1024
00:50:08,469 --> 00:50:11,650
Speaker 1: I feel like the college we went to, the HBCU

1025
00:50:11,690 --> 00:50:14,109
Speaker 1: we went to, it was a lot of shady shit

1026
00:50:14,130 --> 00:50:15,110
Speaker 1: going on over there.

1027
00:50:16,489 --> 00:50:18,610
Speaker 4: No, I believe you. So here's the challenge with the

1028
00:50:18,660 --> 00:50:23,460
Speaker 4: Borrower's Defense Program. There has to be a substantial amount

1029
00:50:23,480 --> 00:50:27,239
Speaker 4: of evidence or accusations for the Department of Ed to

1030
00:50:27,300 --> 00:50:29,580
Speaker 4: look at it. So if you really had the time

1031
00:50:29,620 --> 00:50:31,940
Speaker 4: to submit an application, it's not going to be instant.

1032
00:50:32,320 --> 00:50:35,930
Speaker 4: But if you got your colleagues at your school, your

1033
00:50:35,989 --> 00:50:38,170
Speaker 4: classmates you're still in touch with, to do the same

1034
00:50:38,290 --> 00:50:42,830
Speaker 4: application the same way, now the Department of Education goes, uh-oh,

1035
00:50:43,210 --> 00:50:46,070
Speaker 4: let me see what was happening at this private school.

1036
00:50:46,670 --> 00:50:50,189
Speaker 4: And if they investigate and ask for the certain things

1037
00:50:50,230 --> 00:50:53,779
Speaker 4: you guys said was happening to be verified, and the

1038
00:50:53,820 --> 00:50:57,150
Speaker 4: college couldn't, then you could present a case for barbarous offense.

1039
00:50:57,570 --> 00:51:01,700
Speaker 2: But then that could damage the reputation of the institution.

1040
00:51:02,140 --> 00:51:04,140
Speaker 1: They already damaged over there. How many times they was

1041
00:51:04,160 --> 00:51:07,000
Speaker 1: about to lose accreditation, have funding issues? And it probably

1042
00:51:07,400 --> 00:51:09,100
Speaker 1: works because of that. We're not going to do that

1043
00:51:09,160 --> 00:51:11,100
Speaker 1: to my HBCU, though. We're not going to do that

1044
00:51:11,140 --> 00:51:13,160
Speaker 1: to VCU. Girl, they don't care about you and them

1045
00:51:13,180 --> 00:51:16,150
Speaker 1: damn student loans. I still love my college now.

1046
00:51:16,310 --> 00:51:19,530
Speaker 4: But look, but did school close down? No, I'm joking.

1047
00:51:19,810 --> 00:51:20,609
Speaker 4: Did school close down?

1048
00:51:20,989 --> 00:51:22,069
Speaker 1: Did they die, though? No.

1049
00:51:22,110 --> 00:51:23,569
Speaker 4: Did they die, though?

1050
00:51:23,610 --> 00:51:24,390
Speaker 1: No, since school.

1051
00:51:25,090 --> 00:51:26,770
Speaker 4: So here's the thing. Let me give you a real example.

1052
00:51:26,790 --> 00:51:30,890
Speaker 4: It did happen before with ITT Tech. So remember when

1053
00:51:30,950 --> 00:51:35,790
Speaker 4: ITT Tech closed down? That's why. Because so many substantial

1054
00:51:35,870 --> 00:51:39,150
Speaker 4: claims came in that the government did this. They do

1055
00:51:39,190 --> 00:51:42,590
Speaker 4: what's called pullback. They said, you guys can stay open,

1056
00:51:43,390 --> 00:51:46,239
Speaker 4: but you're no longer going to receive financial aid from us.

1057
00:51:47,219 --> 00:51:51,800
Speaker 4: How many people do you think can cash pay? Zero.

1058
00:51:51,820 --> 00:51:55,489
Speaker 4: So after one semester... Now the school had to close

1059
00:51:55,530 --> 00:51:58,209
Speaker 4: down because the government took the financial aid away.

1060
00:51:58,830 --> 00:52:01,509
Speaker 2: Would you want to be responsible for the closing of

1061
00:52:01,570 --> 00:52:02,649
Speaker 2: your HBCU?

1062
00:52:02,810 --> 00:52:03,310
Speaker 3: You don't care?

1063
00:52:04,130 --> 00:52:06,940
Speaker 4: No, I wouldn't want that. I think, though, if it

1064
00:52:06,980 --> 00:52:08,240
Speaker 4: was a real issue.

1065
00:52:08,930 --> 00:52:11,250
Speaker 1: They have some nasty bitches working in financial aid.

1066
00:52:11,510 --> 00:52:12,230
Speaker 4: I can't word that.

1067
00:52:12,290 --> 00:52:15,259
Speaker 1: I work in financial aid. Like I said, they have

1068
00:52:15,280 --> 00:52:19,180
Speaker 1: some nasty bitches working in financial aid.

1069
00:52:19,680 --> 00:52:21,160
Speaker 4: First of all.

1070
00:52:21,320 --> 00:52:23,120
Speaker 1: Listen, they used to be in there trying to handle

1071
00:52:23,140 --> 00:52:25,339
Speaker 1: you as if if they don't get your paperwork right. Like,

1072
00:52:25,560 --> 00:52:27,720
Speaker 1: you don't get paid if my paperwork ain't right, ma'am.

1073
00:52:28,180 --> 00:52:30,610
Speaker 1: You know, like, if you don't get my financial aid situation,

1074
00:52:30,630 --> 00:52:32,230
Speaker 1: this is how you get paid. So why are you

1075
00:52:32,270 --> 00:52:35,779
Speaker 1: treating me like I'm, like, the problem? You know what

1076
00:52:35,800 --> 00:52:37,939
Speaker 1: I'm saying? It was real ghetto over there.

1077
00:52:38,060 --> 00:52:40,799
Speaker 4: This is what happens. One, we don't sometimes properly train

1078
00:52:40,840 --> 00:52:43,719
Speaker 4: our staff. But two, the other thing is, if you're

1079
00:52:43,800 --> 00:52:47,000
Speaker 4: dealing with people that are first new to school for

1080
00:52:47,040 --> 00:52:51,760
Speaker 4: the first time, most people... And still, they're still first-time

1081
00:52:51,780 --> 00:52:52,480
Speaker 4: generation students.

1082
00:52:52,500 --> 00:52:53,320
Speaker 1: There's no counseling.

1083
00:52:53,420 --> 00:52:56,340
Speaker 4: There's no etiquette on what college experience should be like.

1084
00:52:56,660 --> 00:53:00,299
Speaker 4: So now... What you did at the doctor's office in

1085
00:53:00,360 --> 00:53:03,379
Speaker 4: Philly or what you did at the WIC office, you

1086
00:53:03,400 --> 00:53:04,900
Speaker 4: think it's okay to come to the college and talk

1087
00:53:04,920 --> 00:53:08,180
Speaker 4: to these people like that. So now we get disgruntled

1088
00:53:08,560 --> 00:53:12,180
Speaker 4: college workers because you got disgruntled people coming in talking

1089
00:53:12,200 --> 00:53:14,010
Speaker 4: like they're crazy. It's just a cycle.

1090
00:53:14,830 --> 00:53:17,370
Speaker 1: I have a whole year that I did not attend

1091
00:53:17,430 --> 00:53:20,410
Speaker 1: college that I was charged for. How is that possible?

1092
00:53:20,550 --> 00:53:21,450
Speaker 1: You see what I'm saying?

1093
00:53:21,710 --> 00:53:22,770
Speaker 4: No, no, no, that's not legal.

1094
00:53:23,050 --> 00:53:28,719
Speaker 1: Exactly. So if I can prove that to Fed loans....

1095
00:53:29,390 --> 00:53:31,370
Speaker 4: Well, you could put a complaint in with the Department

1096
00:53:31,390 --> 00:53:34,800
Speaker 4: of Ed, and on a case-by-case, it's possible they could

1097
00:53:34,820 --> 00:53:37,100
Speaker 4: reverse those charges for that year.

1098
00:53:37,120 --> 00:53:40,600
Speaker 2: Yeah, if you got a whole $ 20, 000 for a year

1099
00:53:40,620 --> 00:53:43,840
Speaker 2: that you didn't sign any paperwork or nothing for, then that's.

1100
00:53:43,680 --> 00:53:46,100
Speaker 1: Definitely something you would... Yeah, so how did it get done?

1101
00:53:46,180 --> 00:53:48,140
Speaker 1: So who else did y'all do that to? You see

1102
00:53:48,160 --> 00:53:51,290
Speaker 1: what I'm saying? If you're not paying attention, who else

1103
00:53:51,310 --> 00:53:52,970
Speaker 1: did y'all do that to, to get the funds?

1104
00:53:53,210 --> 00:53:55,790
Speaker 4: Yeah, I'm not paying for that. I would definitely say something, yeah,

1105
00:53:55,870 --> 00:53:56,250
Speaker 4: for sure.

1106
00:53:56,969 --> 00:53:59,490
Speaker 2: So, okay, what is a better option? And help people

1107
00:53:59,530 --> 00:54:05,770
Speaker 2: understand what the difference is with a subsidized and unsubsidized

1108
00:54:05,830 --> 00:54:06,890
Speaker 2: federal student loan.

1109
00:54:07,489 --> 00:54:08,770
Speaker 1: Like, what is the difference?

1110
00:54:09,030 --> 00:54:11,609
Speaker 4: Yeah, so the thing is, it's not set up to

1111
00:54:11,660 --> 00:54:13,719
Speaker 4: be an option. What it more so set up is,

1112
00:54:14,239 --> 00:54:19,120
Speaker 4: and says is, with this subsidized loan debt, the government

1113
00:54:19,160 --> 00:54:21,720
Speaker 4: will pay part of your interest while you're in school.

1114
00:54:22,760 --> 00:54:26,080
Speaker 4: The unsubsidized says, we will let you borrow this money,

1115
00:54:26,420 --> 00:54:29,239
Speaker 4: but we are not paying for your interest. And so

1116
00:54:29,280 --> 00:54:33,140
Speaker 4: we find that people have to take both loans because

1117
00:54:33,180 --> 00:54:35,569
Speaker 4: they need to pay for the total amount owed. But

1118
00:54:35,610 --> 00:54:37,770
Speaker 4: if you're ever in a situation where you have scholarship

1119
00:54:37,810 --> 00:54:40,230
Speaker 4: money and then you only have to take out a

1120
00:54:40,310 --> 00:54:43,590
Speaker 4: subsidized loan, that's a lot better than taking out both.

1121
00:54:44,250 --> 00:54:46,710
Speaker 4: So some people have to take out both. Most people

1122
00:54:47,320 --> 00:54:48,920
Speaker 4: Had to take out both loans, let me say it

1123
00:54:48,940 --> 00:54:51,620
Speaker 4: that way. But if you ever had the option, then

1124
00:54:51,760 --> 00:54:53,989
Speaker 4: I would do subsidized because you want the government to

1125
00:54:54,030 --> 00:54:54,870
Speaker 4: cover the interest.

1126
00:54:55,030 --> 00:54:58,830
Speaker 1: And see, even like that, we remember subsidized and unsubsidized

1127
00:54:58,989 --> 00:55:02,089
Speaker 1: on our awards letter. But did anybody in financial aid,

1128
00:55:02,190 --> 00:55:04,489
Speaker 1: any counselor ever explain to you the difference between the two?

1129
00:55:05,820 --> 00:55:06,080
Speaker 4: No.

1130
00:55:06,120 --> 00:55:08,280
Speaker 1: You know, I don't remember. I don't remember.

1131
00:55:08,300 --> 00:55:09,359
Speaker 4: No, and so here's the problem.

1132
00:55:09,380 --> 00:55:11,960
Speaker 1: Honestly, at that age, at 18, I was like. That's

1133
00:55:11,980 --> 00:55:13,779
Speaker 1: what I'm saying. Just what can I do to get

1134
00:55:13,840 --> 00:55:14,260
Speaker 1: in school?

1135
00:55:14,540 --> 00:55:17,279
Speaker 2: Yeah, like sign me up for whatever so I can

1136
00:55:17,300 --> 00:55:18,520
Speaker 2: stay in school, you know.

1137
00:55:18,840 --> 00:55:21,549
Speaker 1: And that's not counseling because a mortgage lender wouldn't do

1138
00:55:21,590 --> 00:55:24,270
Speaker 1: you like that. You know what I'm saying? Right.

1139
00:55:24,290 --> 00:55:27,170
Speaker 4: Right. So you took the words out of my mouth.

1140
00:55:27,250 --> 00:55:30,149
Speaker 4: Students going to school, it's just like older adults trying

1141
00:55:30,170 --> 00:55:33,350
Speaker 4: to buy a home. It's the same zest. Like, I

1142
00:55:33,390 --> 00:55:35,049
Speaker 4: just got to get this home. I got to get

1143
00:55:35,070 --> 00:55:39,830
Speaker 4: into this school. And the thing is, even parents sometimes

1144
00:55:39,910 --> 00:55:43,610
Speaker 4: put false pressures on their kids to go to school.

1145
00:55:43,630 --> 00:55:46,799
Speaker 4: And so nobody's really doing the math or care about

1146
00:55:46,820 --> 00:55:49,680
Speaker 4: the math per se and signing away their life and

1147
00:55:49,719 --> 00:55:52,609
Speaker 4: not reading. And then it just becomes a train wreck.

1148
00:55:53,370 --> 00:55:55,549
Speaker 1: Yeah, mine did. And my mama was not having that shit.

1149
00:55:55,570 --> 00:55:57,680
Speaker 1: I remember going to the dorm and my oldest sister

1150
00:55:57,719 --> 00:56:01,700
Speaker 1: who went to college, she was like, AJ, well, Ashley,

1151
00:56:01,719 --> 00:56:03,680
Speaker 1: you need to come home because that school costs too much.

1152
00:56:03,940 --> 00:56:05,940
Speaker 1: I just put my shit in the dorm. She was like,

1153
00:56:05,960 --> 00:56:08,540
Speaker 1: just come home, go to school, go to tech for

1154
00:56:08,560 --> 00:56:09,950
Speaker 1: two years. And then if you want to go to

1155
00:56:09,969 --> 00:56:13,410
Speaker 1: a four year, do that. But I wanted the college experience.

1156
00:56:13,450 --> 00:56:15,310
Speaker 1: And you know what my mama said? I'm not paying

1157
00:56:15,370 --> 00:56:18,460
Speaker 1: for your ass to have an experience. Period. So all

1158
00:56:18,480 --> 00:56:20,860
Speaker 1: those loans, my dad might have took out a $ 5, 000

1159
00:56:20,500 --> 00:56:25,169
Speaker 1: loan and that's it. Everything else, I had to pay

1160
00:56:25,190 --> 00:56:25,350
Speaker 1: for it.

1161
00:56:25,350 --> 00:56:26,189
Speaker 4: So you had to come home?

1162
00:56:26,489 --> 00:56:29,350
Speaker 1: Yeah, I feel like I just paid for school. Right.

1163
00:56:29,430 --> 00:56:35,709
Speaker 2: So unsub, Pell Grant, and just anything I could sign

1164
00:56:35,730 --> 00:56:37,760
Speaker 2: my name to that would make it the ends meet,

1165
00:56:37,840 --> 00:56:38,259
Speaker 2: I did.

1166
00:56:38,280 --> 00:56:39,420
Speaker 3: Yeah.

1167
00:56:40,219 --> 00:56:43,560
Speaker 4: So for me, my mom got really sick my senior year.

1168
00:56:44,060 --> 00:56:47,020
Speaker 4: So I had to, like, it was like no money.

1169
00:56:47,489 --> 00:56:48,959
Speaker 4: Because I didn't really know how to talk the fast.

1170
00:56:48,980 --> 00:56:50,780
Speaker 4: But this is when we was doing math on paper

1171
00:56:50,820 --> 00:56:53,680
Speaker 4: and shit. It was weird. So I was going to

1172
00:56:53,719 --> 00:56:56,260
Speaker 4: get put out of school. But my financial aid counselor

1173
00:56:56,280 --> 00:56:58,819
Speaker 4: called me. And she was like, you need to come

1174
00:56:58,960 --> 00:57:02,200
Speaker 4: up by the end of this week. She was like,

1175
00:57:02,400 --> 00:57:05,330
Speaker 4: with some money for next semester. I'm like, now where

1176
00:57:05,350 --> 00:57:08,750
Speaker 4: would I get that from? And she was like, you

1177
00:57:08,770 --> 00:57:11,509
Speaker 4: need to knock on every door on campus and see

1178
00:57:11,550 --> 00:57:14,430
Speaker 4: who has a scholarship. Like, imagine getting a call like that.

1179
00:57:15,660 --> 00:57:18,280
Speaker 4: So I only own one pair of sneakers at the

1180
00:57:18,300 --> 00:57:20,340
Speaker 4: time because I was so girly, which is such the

1181
00:57:20,380 --> 00:57:22,980
Speaker 4: opposite of what I am now. I love sneakers, right?

1182
00:57:23,940 --> 00:57:26,940
Speaker 4: So all I had was like heels and little kitten heels.

1183
00:57:26,960 --> 00:57:28,580
Speaker 4: I don't know who I thought I was. I get

1184
00:57:28,600 --> 00:57:31,520
Speaker 4: too much cheating. So I was like, let me put

1185
00:57:31,540 --> 00:57:34,420
Speaker 4: my sneakers on. And I went and knocked on every

1186
00:57:34,480 --> 00:57:36,780
Speaker 4: door for a whole day. And I got to the

1187
00:57:36,820 --> 00:57:40,150
Speaker 4: last door. And her name was Miss Debbie. And she said,

1188
00:57:40,190 --> 00:57:42,790
Speaker 4: what's your GPA? And at the time, my GPA was

1189
00:57:42,810 --> 00:57:46,150
Speaker 4: like a 3.8. And she was like, what activities are

1190
00:57:46,190 --> 00:57:48,330
Speaker 4: you a part of? So I started telling her all

1191
00:57:48,350 --> 00:57:50,110
Speaker 4: the activities I joined because I was bored as hell.

1192
00:57:50,850 --> 00:57:53,610
Speaker 4: And she was like, OK, I'll let you apply. She

1193
00:57:54,050 --> 00:57:56,550
Speaker 4: was like, I need this essay back in two hours.

1194
00:57:57,350 --> 00:57:59,350
Speaker 4: So at least I knew how to type. So that

1195
00:57:59,370 --> 00:58:01,830
Speaker 4: was a good thing. I typed it up and handed

1196
00:58:01,850 --> 00:58:04,590
Speaker 4: it in. She said, come back in two more hours

1197
00:58:04,670 --> 00:58:07,350
Speaker 4: and I'll give you an answer if you or another

1198
00:58:07,370 --> 00:58:10,330
Speaker 4: young lady got the scholarship. Long story short, I get

1199
00:58:10,350 --> 00:58:14,100
Speaker 4: back there. She was like, Sonia. Now, do y'all think

1200
00:58:14,120 --> 00:58:15,220
Speaker 4: they call losers first?

1201
00:58:17,160 --> 00:58:17,460
Speaker 3: Right.

1202
00:58:18,200 --> 00:58:21,180
Speaker 4: I was like, they don't call losers first. I was like, yes.

1203
00:58:21,620 --> 00:58:25,380
Speaker 4: She was like, okay. She was like, congratulations. I'm like,

1204
00:58:25,440 --> 00:58:28,020
Speaker 4: oh my God, thank you. The girl like storms off,

1205
00:58:28,040 --> 00:58:30,720
Speaker 4: starts cussing. She's mad. So she doesn't like me.

1206
00:58:30,640 --> 00:58:31,760
Speaker 3: To this day.

1207
00:58:32,020 --> 00:58:37,600
Speaker 4: So, long story short, I didn't know why she was mad.

1208
00:58:38,040 --> 00:58:39,640
Speaker 4: Guess how much the scholarship was for?

1209
00:58:39,740 --> 00:58:43,360
Speaker 1: How much? A full ride. Wow.

1210
00:58:44,380 --> 00:58:47,020
Speaker 2: A full ride was just sitting there waiting on somebody

1211
00:58:47,140 --> 00:58:48,410
Speaker 2: to knock on the door for it.

1212
00:58:48,640 --> 00:58:49,320
Speaker 1: See how I got it?

1213
00:58:49,410 --> 00:58:53,510
Speaker 4: Literally knock on the door, like every door. And I

1214
00:58:53,550 --> 00:58:56,190
Speaker 4: was about to quit and give up on knocking on

1215
00:58:56,210 --> 00:58:58,669
Speaker 4: doors because I was tired. My feet was hurting. My

1216
00:58:58,810 --> 00:59:02,450
Speaker 4: campus had hills and shit. I'm plus size. So, you know,

1217
00:59:02,610 --> 00:59:04,080
Speaker 4: got to go up one more hill. I can't do it.

1218
00:59:04,710 --> 00:59:09,930
Speaker 4: So I did it. And I'm glad I did it because, again, waiting.

1219
00:59:10,100 --> 00:59:11,520
Speaker 4: at the end of it was a full ride.

1220
00:59:11,740 --> 00:59:14,820
Speaker 1: Yes, honey. Yeah, that's for sure.

1221
00:59:16,000 --> 00:59:17,620
Speaker 4: It was a real one. I still remember that day.

1222
00:59:17,930 --> 00:59:19,770
Speaker 4: And then I said, excuse me for a minute. And

1223
00:59:19,850 --> 00:59:22,270
Speaker 4: I had, like, this whole praise dance and shout. And

1224
00:59:22,310 --> 00:59:24,030
Speaker 4: I had to call my grandma back. I was like,

1225
00:59:24,070 --> 00:59:25,830
Speaker 4: tell Uncle Al he ain't got to come no more.

1226
00:59:26,190 --> 00:59:27,870
Speaker 4: And I hung up and I started dancing with her.

1227
00:59:29,110 --> 00:59:30,830
Speaker 1: Uncle Larry was coming to get you and your shit.

1228
00:59:31,530 --> 00:59:31,950
Speaker 4: Thanks.

1229
00:59:32,050 --> 00:59:36,150
Speaker 1: Because I can't get put out. So, look, a lot

1230
00:59:36,190 --> 00:59:39,730
Speaker 1: of big companies, they offer, like, paid therapy sessions for

1231
00:59:39,750 --> 00:59:44,290
Speaker 1: their employees and families to help manage their work-life balance,

1232
00:59:44,970 --> 00:59:50,450
Speaker 1: or the lack thereof, anyway. So, with student loan debt counseling,

1233
00:59:52,010 --> 00:59:54,410
Speaker 1: you would think that, you know, major corporations or companies

1234
00:59:54,430 --> 00:59:57,630
Speaker 1: would have something like that. at their headquarters or something.

1235
00:59:57,650 --> 01:00:01,460
Speaker 1: Have you paired with, uh, any major companies to do

1236
01:00:01,580 --> 01:00:03,340
Speaker 1: this type of work?

1237
01:00:03,620 --> 01:00:06,380
Speaker 4: One time we did one, it was a nonprofit and

1238
01:00:06,400 --> 01:00:08,620
Speaker 4: we did some work for them. Um, and it actually

1239
01:00:08,640 --> 01:00:10,840
Speaker 4: was a really great relationship. It's just when the budget

1240
01:00:10,860 --> 01:00:13,760
Speaker 4: came back in, there wasn't space for it. Um, and

1241
01:00:13,780 --> 01:00:16,540
Speaker 4: what I find by starting my own counseling service, so

1242
01:00:16,560 --> 01:00:20,060
Speaker 4: to speak, um, people had and will pay for it.

1243
01:00:20,340 --> 01:00:22,810
Speaker 4: And we're actually not even terribly expensive. And I did

1244
01:00:22,830 --> 01:00:27,180
Speaker 4: it on purpose. Um, Because what I realized is there's

1245
01:00:27,260 --> 01:00:31,880
Speaker 4: really no place you can go and have somebody break

1246
01:00:31,920 --> 01:00:35,020
Speaker 4: down your student loan debt and some solutions without them

1247
01:00:35,140 --> 01:00:37,780
Speaker 4: asking for a payment at the end. And we didn't

1248
01:00:37,820 --> 01:00:40,400
Speaker 4: want to be that service for anyone. Like, we didn't

1249
01:00:40,420 --> 01:00:44,540
Speaker 4: want to work or be in line with the student

1250
01:00:44,560 --> 01:00:46,200
Speaker 4: loan lenders. We wanted to be for the people so

1251
01:00:46,620 --> 01:00:48,480
Speaker 4: we could tell the people what the best thing is

1252
01:00:48,540 --> 01:00:51,760
Speaker 4: to do and not to do. So, yeah. I think

1253
01:00:51,820 --> 01:00:53,860
Speaker 4: it's a great service. I'm sure in different states there

1254
01:00:53,900 --> 01:00:56,680
Speaker 4: are things and companies like it that exist more on

1255
01:00:56,700 --> 01:00:58,800
Speaker 4: a corporate level. But let me be really honest with

1256
01:00:58,820 --> 01:01:00,990
Speaker 4: you guys. Like when I started my brand, I never

1257
01:01:01,030 --> 01:01:03,890
Speaker 4: wanted to change me or my personality and how I

1258
01:01:03,930 --> 01:01:06,550
Speaker 4: wanted to serve people. So I've always been very, very

1259
01:01:06,610 --> 01:01:11,680
Speaker 4: careful with partnerships, with taking money from people that don't

1260
01:01:11,740 --> 01:01:15,160
Speaker 4: look like me. So they can't control my narrative and

1261
01:01:15,200 --> 01:01:17,380
Speaker 4: how I teach. Because if I want to get on

1262
01:01:17,450 --> 01:01:20,340
Speaker 4: IG Live tonight and say, fuck them Lowe's. I might

1263
01:01:20,380 --> 01:01:22,720
Speaker 4: want to get on there and say something radical. Like,

1264
01:01:23,300 --> 01:01:25,920
Speaker 4: I need to know that my money and my payroll

1265
01:01:25,940 --> 01:01:27,200
Speaker 4: for my team ain't going to get cut.

1266
01:01:27,220 --> 01:01:27,900
Speaker 1: Right.

1267
01:01:28,020 --> 01:01:31,360
Speaker 4: If that makes sense. And so, I was, and it took,

1268
01:01:31,680 --> 01:01:35,460
Speaker 4: I've been in business now six years. It took four

1269
01:01:35,500 --> 01:01:38,780
Speaker 4: years to be able to be really comfortable to say,

1270
01:01:38,920 --> 01:01:41,700
Speaker 4: I can do this payroll, pay my people, you know,

1271
01:01:41,720 --> 01:01:44,880
Speaker 4: six figures or close to it or, and it be

1272
01:01:44,900 --> 01:01:47,830
Speaker 4: from the muscle. Like, I was really, really adamant that

1273
01:01:47,850 --> 01:01:50,310
Speaker 4: I didn't want to work and be aligned with certain companies.

1274
01:01:50,550 --> 01:01:52,950
Speaker 4: Because then, you know, you got that little carrot over

1275
01:01:52,970 --> 01:01:56,110
Speaker 4: your head. I don't want to experience. Right.

1276
01:01:56,190 --> 01:01:56,990
Speaker 1: Now, let me ask you this.

1277
01:01:57,030 --> 01:01:59,810
Speaker 2: There's people who went to college, they racked up all

1278
01:01:59,850 --> 01:02:02,410
Speaker 2: this debt, and then went on with life and said,

1279
01:02:02,670 --> 01:02:05,290
Speaker 2: fuck that shit, and forgot about it. How do they

1280
01:02:05,350 --> 01:02:07,470
Speaker 2: even find out how much they owe? Like, they wouldn't

1281
01:02:07,510 --> 01:02:08,990
Speaker 2: even know where to start on how.

1282
01:02:08,910 --> 01:02:09,930
Speaker 1: To find their debt.

1283
01:02:11,070 --> 01:02:14,380
Speaker 4: So, the best place to go is a place called studentaid.gov.

1284
01:02:15,580 --> 01:02:19,020
Speaker 4: So studentaid.gov allows you to see all of your federal

1285
01:02:19,040 --> 01:02:22,380
Speaker 4: loan debt. You also can get an annual free credit report,

1286
01:02:22,880 --> 01:02:25,280
Speaker 4: pull your credit and see what student loans come up

1287
01:02:25,360 --> 01:02:28,120
Speaker 4: on your credit as well, cost compared to two, make

1288
01:02:28,140 --> 01:02:31,630
Speaker 4: sure the information looks the same. And then, you know,

1289
01:02:31,650 --> 01:02:34,250
Speaker 4: these accounts are free, of course. And then you want

1290
01:02:34,270 --> 01:02:36,890
Speaker 4: to find out based off of your credit report or

1291
01:02:36,910 --> 01:02:39,570
Speaker 4: your student aid report who your lender is. And so

1292
01:02:39,590 --> 01:02:41,470
Speaker 4: then you want to create your lender account and put

1293
01:02:41,510 --> 01:02:44,230
Speaker 4: in your basic information and your loans will come up, right?

1294
01:02:44,900 --> 01:02:47,480
Speaker 4: All these things are really important to know how to access.

1295
01:02:47,900 --> 01:02:49,860
Speaker 4: And we'll be doing more classes on our platform to

1296
01:02:49,880 --> 01:02:51,740
Speaker 4: really show people how to get into their stuff again,

1297
01:02:52,240 --> 01:02:54,690
Speaker 4: because it's been so long, or maybe some people have never.

1298
01:02:55,210 --> 01:02:56,910
Speaker 4: But the thing is, you don't want to be a

1299
01:02:57,130 --> 01:03:01,010
Speaker 4: passive participant in the repayment of your loans. Because once

1300
01:03:01,030 --> 01:03:04,150
Speaker 4: your loans go into default, and they just actually cleared

1301
01:03:04,410 --> 01:03:08,770
Speaker 4: all default loans recently, but if and when this is

1302
01:03:08,870 --> 01:03:11,790
Speaker 4: over and your loans happen to go into default, it

1303
01:03:11,870 --> 01:03:15,200
Speaker 4: stops you from being able to buy a home. it

1304
01:03:15,220 --> 01:03:17,760
Speaker 4: stops you from being able to have good credit.

1305
01:03:17,780 --> 01:03:20,000
Speaker 1: So that's if it's on your credit report, though, right?

1306
01:03:21,140 --> 01:03:23,540
Speaker 4: Well, no. So that's where people get this messed up.

1307
01:03:23,580 --> 01:03:27,530
Speaker 1: Because mine ain't on it. That's why I'm saying that. Right.

1308
01:03:27,770 --> 01:03:30,210
Speaker 4: So after it gets to a certain point, let's put

1309
01:03:30,230 --> 01:03:34,670
Speaker 4: it that way, they leave your credit report. Now, if

1310
01:03:34,710 --> 01:03:36,950
Speaker 4: you're at that point, let me just put it that way,

1311
01:03:37,150 --> 01:03:41,480
Speaker 4: just know with the recent change with the Biden administration,

1312
01:03:41,900 --> 01:03:43,280
Speaker 4: it's going to come back on your credit soon.

1313
01:03:44,720 --> 01:03:46,840
Speaker 1: Now, that's a good and bad thing. They better prove

1314
01:03:46,900 --> 01:03:48,460
Speaker 1: it just like any other debt. Prove it.

1315
01:03:49,060 --> 01:03:49,300
Speaker 4: Right.

1316
01:03:49,320 --> 01:03:50,450
Speaker 1: Because I'd be on their neck.

1317
01:03:50,470 --> 01:03:54,330
Speaker 4: Yeah, it's a good and bad thing. So if it

1318
01:03:54,370 --> 01:03:57,330
Speaker 4: comes back on your report, again, you can go through

1319
01:03:57,350 --> 01:04:00,010
Speaker 4: the process with credit and get it off. But remember,

1320
01:04:00,270 --> 01:04:03,390
Speaker 4: there is the consumer report, which is what you're talking about.

1321
01:04:03,890 --> 01:04:05,990
Speaker 4: When you go to buy a home, there's another report

1322
01:04:06,010 --> 01:04:09,810
Speaker 4: that they look at that shows all federal holdings, right? Now,

1323
01:04:09,950 --> 01:04:11,410
Speaker 4: if you were to say, well, sorry, I'm just trying

1324
01:04:11,430 --> 01:04:13,280
Speaker 4: to get them off my credit because I need to

1325
01:04:13,320 --> 01:04:16,720
Speaker 4: go buy a car. Go have it. Car dealership could

1326
01:04:16,740 --> 01:04:21,170
Speaker 4: never see that. But when we start talking about investing,

1327
01:04:21,230 --> 01:04:25,590
Speaker 4: holding certain government licenses for work, it will show up.

1328
01:04:25,890 --> 01:04:26,170
Speaker 1: Right.

1329
01:04:26,290 --> 01:04:26,650
Speaker 3: Okay.

1330
01:04:29,850 --> 01:04:33,200
Speaker 4: But until then, you know, catch me when you can.

1331
01:04:33,280 --> 01:04:33,540
Speaker 1: Not bad.

1332
01:04:33,600 --> 01:04:34,820
Speaker 4: Not bad.

1333
01:04:39,450 --> 01:04:43,550
Speaker 1: All right listen we appreciate you sonya for coming on

1334
01:04:43,570 --> 01:04:49,740
Speaker 1: we talk back yes you are a delight nobody can

1335
01:04:49,800 --> 01:04:52,419
Speaker 1: find you at plug all your no.

1336
01:04:53,060 --> 01:04:56,100
Speaker 4: Yes so go to instagram the student loan doctor um

1337
01:04:56,360 --> 01:04:59,400
Speaker 4: all the fun lives there our website is doctor please

1338
01:04:59,460 --> 01:05:02,970
Speaker 4: help me.com um i don't know just google us you'll

1339
01:05:03,010 --> 01:05:05,640
Speaker 4: find us um It's just a little black girl that

1340
01:05:05,660 --> 01:05:09,400
Speaker 4: changes hairstyles every so often. It's still me. These cheekbones

1341
01:05:09,420 --> 01:05:12,160
Speaker 4: don't change. I never look like any of my photos.

1342
01:05:12,240 --> 01:05:14,180
Speaker 4: I got to work better on it this year. One

1343
01:05:14,220 --> 01:05:16,320
Speaker 4: day it's box. I'm like, I'm like this now. It's curls.

1344
01:05:16,800 --> 01:05:18,979
Speaker 4: The point is, you know, just look for the names.

1345
01:05:19,000 --> 01:05:21,970
Speaker 4: Simone's out there. And then this is what I tell people. Like,

1346
01:05:22,050 --> 01:05:23,550
Speaker 4: if you know you need us and you know your

1347
01:05:23,590 --> 01:05:26,070
Speaker 4: friends need us, don't go on a crusade because you

1348
01:05:26,090 --> 01:05:28,910
Speaker 4: heard the episode. Just say, like, I think there's somebody

1349
01:05:28,930 --> 01:05:32,590
Speaker 4: you should check out. Drop them off. They will find

1350
01:05:32,610 --> 01:05:35,640
Speaker 4: their way to my DMs. the help on your own

1351
01:05:36,200 --> 01:05:37,780
Speaker 4: and then we can just take it from there so

1352
01:05:37,840 --> 01:05:39,820
Speaker 4: it's gonna be good did you plug your instagram i

1353
01:05:39,840 --> 01:05:42,740
Speaker 4: didn't hear it oh the student loan doctor.

1354
01:05:42,380 --> 01:05:46,320
Speaker 1: Okay we in there.

1355
01:05:45,360 --> 01:05:49,200
Speaker 2: Yeah man go and check her out for really help you.

1356
01:05:49,140 --> 01:05:51,980
Speaker 1: Talk about talking shit to these niggas boy we got

1357
01:05:52,260 --> 01:05:55,440
Speaker 1: all the student loan debt it's just the truth oh.

1358
01:05:55,480 --> 01:05:57,700
Speaker 4: My god we gotta do a whole class on it

1359
01:05:58,320 --> 01:05:59,600
Speaker 4: We need to do it. We know what? We need

1360
01:05:59,620 --> 01:06:01,959
Speaker 4: to do some speed dating on some student loan debt

1361
01:06:02,000 --> 01:06:04,220
Speaker 4: speed dating and some shit like that. And he didn't

1362
01:06:04,240 --> 01:06:05,920
Speaker 4: win a credit symposium at the end.

1363
01:06:06,460 --> 01:06:07,420
Speaker 1: Right.

1364
01:06:08,540 --> 01:06:09,340
Speaker 4: We'll be good.

1365
01:06:09,880 --> 01:06:12,420
Speaker 1: All right, y'all. Listen, if you enjoyed this episode, please

1366
01:06:12,460 --> 01:06:15,580
Speaker 1: tune in every Thursday on the iHeartRadio app or wherever

1367
01:06:15,600 --> 01:06:17,660
Speaker 1: the fuck you get your podcasts at. This is your

1368
01:06:17,720 --> 01:06:22,370
Speaker 1: co-host AJ Holiday 2.0. Follow me on Instagram. Hey.

1369
01:06:23,090 --> 01:06:25,690
Speaker 3: And y'all, this is Official Tam Bam on Instagram. Follow me.

1370
01:06:25,730 --> 01:06:27,450
Speaker 3: I love you guys. Thank y'all for listening.

1371
01:06:27,650 --> 01:06:31,300
Speaker 2: And y'all, remember, speak now and never hold your peace.

1372
01:06:31,760 --> 01:06:31,960
Speaker 4: Bye.

1373
01:06:32,000 --> 01:06:32,340
Speaker 1: Deuces.