Speaker 1: We're just too unapologetically black women with an opinion. Who
Speaker 1: talks back? Hey, y'all, it's me Tim Maam. Welcome back
Speaker 1: to a new episode of We Talked Back. Hey, and
Speaker 1: that's your co host, a j holiday Am. How are
Speaker 1: you doing? A j oh, good girl. That was a
Speaker 1: good introduction, like that yelling at the goddamn Mike period.
Speaker 1: What's up, y'all? How was your weekend? My weekend was cool.
Speaker 1: I went outside. I know, I said I wasn't going outside,
Speaker 1: but I did. The live motherfucker's terrible. It's boy like,
Speaker 1: It's all right. You're sitting up in this four floor
Speaker 1: looking down this all kind of ship in energy outside.
Speaker 1: It makes it hard to want to stay inside when
Speaker 1: it's all beautiful and stuff. So I was outside. You're
Speaker 1: going outside when it was cooldest funk outside outside. It's
Speaker 1: harder when it's nice. So that bruns out, all right?
Speaker 1: So what club did you hit up this weekend in Charlotte?
Speaker 1: You might as well listen. First of all, you might
Speaker 1: need to try to get some low promo money from
Speaker 1: these niggs in Charlotte. Okay about these spots being astly,
Speaker 1: because I'll be moving around the city so I went
Speaker 1: to UM. I started at Infused, which is like a
Speaker 1: little hooka bar. Then I left there and I went
Speaker 1: to Fahrenheigh, which is like a rooftop situation. You can
Speaker 1: see the city city views. It's good cocktails. Had a
Speaker 1: few drinks there. Then I left there and I went
Speaker 1: to another place called fifteen Street Social, which is a
Speaker 1: newer spot, and it was seeming kind of young, but
Speaker 1: the DJ said that people were that young. Black just
Speaker 1: don't crack, so um it was cool. Left there and
Speaker 1: I went to cloud Southend, which is a nice little
Speaker 1: jumping It's like one of the most popping spots in
Speaker 1: Charlotte right now. Cloud and that was That was Saturday night.
Speaker 1: That was all I want, all of those places. There's day.
Speaker 1: I got up and I went to fifteen one, which
Speaker 1: is like an outdoor situation, real good vibes, good music.
Speaker 1: R and b's grown crowd, very grown crowd. Oh yeah,
Speaker 1: I went there. I went there a couple of weeks
Speaker 1: ago to watch a football game. It's like outside, right, yeah,
Speaker 1: it's outside. It's next to that ruby ruby ruby. What's
Speaker 1: that ruby sunshine? Don't I think you might be talking
Speaker 1: about Lost and found? Lost and found is another good spot. No,
Speaker 1: I'm pretty sure it's fifteen on one. Maybe I'm thinking
Speaker 1: about yeah, but that's the place. It's like outside, they're
Speaker 1: in the same area. Yeah, okay, yeah. I went there
Speaker 1: and I was like, damn. I asked the barts and
Speaker 1: I'm like, who on this? She said it was black On.
Speaker 1: I'm like, okay, yeah, he's black on a little nightclubs
Speaker 1: in Charlotte. They be doing a damn thing. And then
Speaker 1: and then I left fifteen o one and I went
Speaker 1: to STATS on Sunday nights stands on Sunday night. It
Speaker 1: is like a whole vibe. That's a big spot. Like church.
Speaker 1: They called church on Sunday. What about your heathens? Right?
Speaker 1: The church? So I did be going to church online
Speaker 1: on Sunday Sunday morning. I got the first day. It
Speaker 1: gives me the word before I go out and drink. Now,
Speaker 1: one day we was talking and I said, you said, yeah,
Speaker 1: I went to church twice today. I was like, damn, girl.
Speaker 1: He was like, man, funk these niggers. I went to church.
Speaker 1: I'm really thinking this bitch went to church twice. She
Speaker 1: talking online church, it's all online. You ain't going nowhere.
Speaker 1: I didn't go. I was in a tennis he record.
Speaker 1: They recognized the listeners online. Bitch, you said some ties
Speaker 1: in all right, now that's now he runs out. Now,
Speaker 1: that's one thing I ain't about to do. You runs
Speaker 1: out now. That was my weekend. But this weekend, I'm
Speaker 1: a chill. Is Mother's Day this weekend coming up? No,
Speaker 1: it's next, it's next me. Yeah, okay, this weekend I
Speaker 1: don't have I might fly to Atlanta this weekend or something.
Speaker 1: I'm going to tell your maka next week. I can't wait.
Speaker 1: So I'm at to I don't know, do something for
Speaker 1: my mom before I dip out on her ass. My
Speaker 1: weekend was uneventful, per usual. My stepdad is in the hospital.
Speaker 1: That's what I've been dealing with. Yeah, man, listen, y'all,
Speaker 1: take care of your bodies when you're young. Just take
Speaker 1: care of your bodies when you're young, so nobody has
Speaker 1: to take care of you when you get old, like
Speaker 1: that should just be goals. Yeah, but I mean, that's
Speaker 1: that's deteriorating as we get older. Is a part of life,
Speaker 1: kind of right. Even if you take care of ourselves,
Speaker 1: it's just only so much you can do before somebody
Speaker 1: got to take care of you. You know, I read
Speaker 1: this hot I read this article that suggests that each
Speaker 1: human has a certain amount of heartbeats. We just don't
Speaker 1: know what our predetermined amount of heartbeats are. Could you
Speaker 1: imagine that? Like it's somewhere they got I wouldn't. No,
Speaker 1: hell no me either, spending my day's counting them. But
Speaker 1: I did also read because a couple of months ago,
Speaker 1: I was stressed out, like why the fund is? I
Speaker 1: always wear my fit bit right, I know everybody got
Speaker 1: Apple watched My Life hip it I my heart rate
Speaker 1: is always like low, like fifty five, so I'm thinking
Speaker 1: I'm dying. And I was watching uh Discovery of Witches
Speaker 1: last night, and of course you were. And the dude,
Speaker 1: the one of the vampire characters, old girl, was feeling
Speaker 1: his chest and she was like, you know, you don't
Speaker 1: have a heartbeat, and then the heartbeat came right he
Speaker 1: was like, I do have a heartbeat, is just slower,
Speaker 1: you know, because we live internal we got eternal life,
Speaker 1: So your heartbeat. Then I started Google. I said, wait
Speaker 1: a minute, so I'm not sick because my heartbeat it's
Speaker 1: sucking slow. So your vampire bitch. Now I'm a lift
Speaker 1: already know I'm a lift toime like ninety five, but
Speaker 1: now I'm it's like confirmed. Yeah, bitch, I take it easy. Okay,
Speaker 1: what network was this song? AMC bitch? Listen, I take
Speaker 1: it easy. I know I'm gonna be around here until
Speaker 1: like ninety three. That's why I need y'all to stop
Speaker 1: sucking up my world. Okay, if you're planning on die
Speaker 1: in that sixty okay, stop sucking my world up. Yea.
Speaker 1: Let's let's go to commercial on that note, because this
Speaker 1: bitch is We'll be right back. All right, Let's get
Speaker 1: into some dumb internet news, y'all. What we got going on? Sam?
Speaker 1: So Mega Stallion did an interview with GAYL King? Did
Speaker 1: you why? Why? Why? What? I don't know why. I thought.
Speaker 1: I thought they put Tori under a gag about this whole,
Speaker 1: you know, situation that happened. So why is she allowed
Speaker 1: to do interviews with Gail King and he can't say anything?
Speaker 1: I guess because maybe we need to We're looking at
Speaker 1: it wrong. We were looking at it as if it
Speaker 1: doesn't seem fair. Should we be looking at it as
Speaker 1: if this nigga is fucking guilty? And I'm a victim
Speaker 1: and I should be able to talk about it like
Speaker 1: this is therapy for me at this point, and with
Speaker 1: the whole world. I'm not here to um like judge
Speaker 1: either one of them. This ship has been going on
Speaker 1: for two years now. Yeah, it's like two years now.
Speaker 1: The fact of the matter is Meg the Stallion did
Speaker 1: not have a gun, and she got hurt. Somebody else
Speaker 1: had a gun. You see what I'm saying. She got hurt,
Speaker 1: and with the internet and everybody, she probably felt the
Speaker 1: need to get out there and tell her story in
Speaker 1: some type of way and get a check off it
Speaker 1: at the same time. Yeah, I feel you so um.
Speaker 1: I'm gonna read some of the things that Megan said. Uh,
Speaker 1: and it's quote big Megan said. It was an argument
Speaker 1: because I was ready to go and everybody else wasn't
Speaker 1: ready to go. But that's like normal friends stuff, Like
Speaker 1: we fuss about silly stuff all the time. But I
Speaker 1: never put my hands on anybody. I never raised my
Speaker 1: voice too loud, Like this was one of them times
Speaker 1: where it was like it got it little. This was
Speaker 1: one of them times where it was like it shouldn't
Speaker 1: have got this crazy right, And I can I can
Speaker 1: understand that you know how sometimes like you and a
Speaker 1: Frank could be y'all could be playing damn, and all
Speaker 1: of a sudden, somebody really gets serious. Like I can
Speaker 1: see that happening. I've had that happen, um. But you
Speaker 1: know one thing I did see. According to a public
Speaker 1: transcript from December hearing on Meg the Stallion and Tory
Speaker 1: Lanes case, the source can't confirm that the officer testified
Speaker 1: there was gunshot residue found on tories hands. So now
Speaker 1: all the public um judges have been saying, oh, they
Speaker 1: found the residue on old girl's hand, homegirl, Casey, wasn't
Speaker 1: it learning Casey? M hm, Kelsey sorry that they found
Speaker 1: a yeah, the residue on Kelsey's hands, But in actual
Speaker 1: evidence at the courts, now they're saying that that the
Speaker 1: residue was on Tori's hands. Then also, you know this
Speaker 1: should have missed. It is there, she's staying there. They
Speaker 1: never slept with each other, her and Tori. I mean,
Speaker 1: are you publicly about to damn? I'm not listen. This
Speaker 1: is my pussy. I don't gotta confirm or deny nothing
Speaker 1: for y'all. Period. So rather she did or not, is
Speaker 1: that her business I feel like even if I feel
Speaker 1: like her saying that they did what, even that would
Speaker 1: be a better defense for for it would be not
Speaker 1: a defense. Sorry, it would be a better situation if
Speaker 1: she did say that they were fucking, because that's even
Speaker 1: more reason for him to shoot at her. But I
Speaker 1: feel like, if you're gonna come out and uh talk
Speaker 1: about this ship till the whole truth, now don't then
Speaker 1: maybe that is the truth. Maybe it is the truth.
Speaker 1: Why don't know? I mean, based on what you're saying,
Speaker 1: why would I come out and tell somebody my sexual business,
Speaker 1: you know, like you know, if you're gonna tell it, now,
Speaker 1: tell it all. Yeah. And I I believe I believe her.
Speaker 1: I believe Mega Stallion. I've been saying that we didn't
Speaker 1: talked about this you at last. I want to believe her.
Speaker 1: I will. I want desperately to believe her. But I
Speaker 1: just still, you know, it's just so much stuff that like,
Speaker 1: first it was like glass, then it was a shooting,
Speaker 1: and it's just too many different stories. She got hit
Speaker 1: by bullet, then the fact that her and her best
Speaker 1: friends are no longer best friends after this just seems
Speaker 1: like some fishy ship going on. Well, did you see
Speaker 1: where somebody I don't know who E was trying to
Speaker 1: pay the home girl or Meg to be quiet for
Speaker 1: a million dollars. Tory offered one million to keep silent.
Speaker 1: So was did he? Everybody gave the home girl a
Speaker 1: million dollars to be quiet? Mega, just says Tory lays
Speaker 1: offered her and Kelsey one million for their silence on
Speaker 1: the shooting. Damn, I would have took it. Maybe her
Speaker 1: home girl did take it. You see what I'm saying.
Speaker 1: Maybe her home girl did take it. So now you
Speaker 1: just left your best friend. You know you've known way
Speaker 1: before the fame. You left her out hanging to get
Speaker 1: on her level. You see what I'm saying. I would
Speaker 1: never That's why I always say, man, integrity is a
Speaker 1: lifelong commitment, because I'd never do that to one of
Speaker 1: my friends. Fuck that nigga, Like he got to go
Speaker 1: to jail, because regardless of what if, even if it
Speaker 1: wasn't a direct bullet, like I said, she didn't have
Speaker 1: a gun, there was a weapon on the scene, and
Speaker 1: she's the only one that got hurt. What does that say?
Speaker 1: She said he was hanging out the car window shooting
Speaker 1: at her feet. Do y'all know what fragments are. He
Speaker 1: didn't say that, she didn't. It wasn't a bullet. She
Speaker 1: might have thought it was glass initially, you know what
Speaker 1: I'm saying. It could have recocheted off the concrete. It
Speaker 1: could have been pieces of concrete in her foot, anything.
Speaker 1: But she's happening when yeah, oh yeah, yeah yeah, And
Speaker 1: it wasn't herd I called the police. It was bystanders
Speaker 1: that heard gunshots. What are we talking about? But when
Speaker 1: a black woman say somebody heard them, nobody, nobody fucking cares.
Speaker 1: And that's that's what this is given to me. It's
Speaker 1: just what it's obviously because in the court of public opinion,
Speaker 1: Mega Stallion is a liar. There's a lot of women
Speaker 1: who think she's a liar, and it's a lot of
Speaker 1: men who think she's a liar. When she initially said
Speaker 1: she didn't even want to say nothing because she didn't
Speaker 1: want to get him in trouble. Still, yeah, I don't
Speaker 1: think she I don't know what to think. I can't
Speaker 1: say I exactly stand with Meg, just because of how
Speaker 1: many different stories came out in the beginning. But I
Speaker 1: don't I can't say that I stand with Tori either.
Speaker 1: I just I'm still waiting to hear the full details
Speaker 1: of what happened before I make pass any judgment on anybody. Well,
Speaker 1: I don't want to pass judgment at all, but I'm
Speaker 1: never gonna. I want to say I want victim blame,
Speaker 1: but I'm not victim blaming. You know what I'm saying.
Speaker 1: We know people lies sometimes, we know people make stories up.
Speaker 1: We know we know that type of ship happens. But
Speaker 1: I have seen her story be consistent. I didn't see her.
Speaker 1: I mean, she never confirmed or denied a relationship with
Speaker 1: him at all either. So I don't know. I hope
Speaker 1: um oh. And another thing I want to add, so
Speaker 1: Tory he has he has that he has had to
Speaker 1: pay two different bonds. If he was a regular nigga,
Speaker 1: he would have sat in jail with these charges. He
Speaker 1: only got out because he has the means to yeah,
Speaker 1: you're right, and then outside like posting pictures with her
Speaker 1: ops and stuff like that, making making funny songs and
Speaker 1: ship like boy. Yeah, I don't know. By Ola Davis,
Speaker 1: she did a Netflix special event with Oprah and she
Speaker 1: spoke on her childhood, you know, hardships and growing up
Speaker 1: knowing she was pooring she was so beautiful on there. Yeah,
Speaker 1: she looked good, and she lived in a home with
Speaker 1: rats and without utilities like gas and electricity, and she
Speaker 1: would spent a lot of time being hungry as a kid.
Speaker 1: That's a lot of story. You know a lot of
Speaker 1: people's story, I know. Yeah. And you know, as kids
Speaker 1: like in school and stuff, you never know, we've always
Speaker 1: had like the little stink kids in school or you
Speaker 1: used to be one of them, bitches making fun of
Speaker 1: the not true. I distinctively remember a super stint white
Speaker 1: boy who was in in my class, and he had
Speaker 1: like a mullet mohawk type haircut, and he would smell
Speaker 1: like fresh do too every day. I never said anything
Speaker 1: like people would rag on him all day every day.
Speaker 1: I never would tease him, but I watched people tease
Speaker 1: other people all the time, like I never nah. I
Speaker 1: mean maybe maybe like maybe not him in particular, but
Speaker 1: I have defended people before, like y'all leave that motherfuck alone,
Speaker 1: you know what I'm saying. But I would tease people
Speaker 1: I know that could tease back, like I like to
Speaker 1: go back and forth, like if you ain't gonna defend yourself,
Speaker 1: I'm not about to just be beating you down. But
Speaker 1: you know, as kids, you don't realize the struggles like
Speaker 1: students go through, Like some of them, the only meal
Speaker 1: they get would be the one they have at school.
Speaker 1: You know what I'm saying, Like, like once you get
Speaker 1: to be an adult and you see the struggles adults have,
Speaker 1: like you realize like kids being that struggle. These kids
Speaker 1: be living in a car with their parents, not able
Speaker 1: to wash their school uniform every day. So I don't know,
Speaker 1: I don't know how you teach kids. I mean a
Speaker 1: little motherfucking people are mean. Yeah I was a mean girl,
Speaker 1: but to people who like to understand like the hardships
Speaker 1: of children and adults, and they just don't care, you know. Yeah.
Speaker 1: It's she also uh not not necessarily on this uh
Speaker 1: Netflix special, but she did discuss wanting a big black man.
Speaker 1: Was that on there? Yes, she was manifesting her husband
Speaker 1: child from the South, and that's what she got. Big
Speaker 1: black man from the South who loved God, uh, who
Speaker 1: was athletic, so he was he was a retired football player,
Speaker 1: So she got exactly what he wanted. Like I know,
Speaker 1: people always tell us a manifest manifest sorry, so she
Speaker 1: got exactly what she wanted. So people always talk about manifesting, right,
Speaker 1: but you gotta be real specific. You see how specific
Speaker 1: she was when where he was, from his bill, what
Speaker 1: what type of man he was, all those things and
Speaker 1: what she asked for. But I feel like a lot
Speaker 1: I've been listening. I've been very specific. God, if you
Speaker 1: hear me, you wrote it down, though, Yeah, I wrote
Speaker 1: it down. This in my Bible, This in paper in
Speaker 1: the Bible. So we're gonna see y'all gonna bear witness
Speaker 1: to this beautiful black man. That guy gonna see me
Speaker 1: this year. God, what if he like a little ugly?
Speaker 1: You know, I've done a little I've done a lot
Speaker 1: of ugly, so I should do a little ugly. I
Speaker 1: don't like my man being as finest me though. So
Speaker 1: on the piece of paper in the Bible, did you
Speaker 1: put anything about penis size in there? I did not,
Speaker 1: So there you got a lot of money size. Penis
Speaker 1: size is not like a big thing for me. Like
Speaker 1: I don't need like the biggest dick. Maga, Like I mean,
Speaker 1: do I want? I don't. First of all, I don't
Speaker 1: like really big dicks. Anyway, he got like a humongous dick,
Speaker 1: Like that's just not even like that hurts. I can't
Speaker 1: do that all the time. I want a I want
Speaker 1: the baby or porch, big, the medium size, the hamburgers.
Speaker 1: I did not add that. I don't know if I
Speaker 1: want to like talk about dick and put it in
Speaker 1: my bible, like you gotta be specific, gotta be specific. Well,
Speaker 1: you can just say you don't want a good lover. Yeah, okay, Yeah,
Speaker 1: that's that's what it's about for me, not the It's
Speaker 1: not about the size of the boat. It's the motion
Speaker 1: and the ocean. Alright, real quick, there was a train
Speaker 1: on TikTok where black women with their white boyfriends calling
Speaker 1: them master. Have you seen that? What? I don't see
Speaker 1: a couple of black guys too, But why would It's like,
Speaker 1: you know what my first thought was, did somebody take
Speaker 1: the time to pull out all these different interracial couples
Speaker 1: and then put that put that audience the pictures. You
Speaker 1: can't couples are doing it themselves, and and you know
Speaker 1: they think it's funny, like master, that's it's a jokey joke.
Speaker 1: You know. You see you see how those black women look,
Speaker 1: and that they look like the type of bitches that
Speaker 1: would be in a tetop calling that white boyfriend they masters,
Speaker 1: what the fucking nappylieve out? Get get your life, your bigs?
Speaker 1: Just crazy. Yeah, I didn't think that, you know, but
Speaker 1: to Eastern own maybe if you have like a fucking
Speaker 1: slavery fantasy with your wife, master, that's your thing, girl,
Speaker 1: Just dumb, Where where's your daddy? You don't have to
Speaker 1: post it though, that's your thing. Do it privately. That's
Speaker 1: insulting to all black women everywhere. Girl, Everything that's not
Speaker 1: belonged on the internet. And that's why, that's why we
Speaker 1: have stupid internet. Sew. Thank you for content, you dumb nap. Yeah, alright,
Speaker 1: I'm sorry, I'm sorry. Shame. Yeah, but let'sten. We got
Speaker 1: a super dope guest on. We talked back today helping
Speaker 1: y'all bitches and us bitches get our lives together. Y'all
Speaker 1: stay tuned. All right, y'all listen. So we started this
Speaker 1: year off a little bit different for season two and
Speaker 1: we talked back. Um first few episodes is kind of
Speaker 1: dedicated to our goals, which I believe we share a
Speaker 1: lot of the same goals. You want to lose weight.
Speaker 1: We talked about finances, real estate people, We had come on, uh,
Speaker 1: what else did we do tam um friendship? We had
Speaker 1: friendship goals also, right, so um, yeah, we were trying
Speaker 1: to get back to that. Yes, okay, So we're trying
Speaker 1: to get back to helping everybody at ourselves with our
Speaker 1: new Year's resolution. So look, we're talking that today, not
Speaker 1: just any that. We're talking student loan that, y'all. Okay,
Speaker 1: because I know, y'all bitches broke like me from the
Speaker 1: student Loans exactly, y'all. We got the CEO of the
Speaker 1: Student Loan Doctor LLC and self proclaimed overdraft Queen Sonya
Speaker 1: Lewis talk back. Hey girl, Hey ladies, Well I want
Speaker 1: to say former overdraft queen I've been working for No.
Speaker 1: We know that. We already know. Yeah, so why are
Speaker 1: you doing, Sonya? Tell our listeners about you. I'm good.
Speaker 1: I'm good. I'm checking in from Miami, Florida and my
Speaker 1: favoring police on Earth. Um. I moved here recently because
Speaker 1: it was just way too cool in Philly and I
Speaker 1: was just it was it was just a joke to
Speaker 1: come down here, guys. And then what happened was I
Speaker 1: loved it and I kept extending my Airbnb. Now I'm
Speaker 1: looking at apartments. Then I went brought a Lamborghini. Like
Speaker 1: life just kept it really really pass and I think
Speaker 1: I just got caught up. I'm not gonna lie. I'm
Speaker 1: real caught up these days. But I'm having fun and
Speaker 1: teaching and helping people get out of student love them
Speaker 1: at the same time. UM so yeah, so what do
Speaker 1: you guys want to start? When I was real broke
Speaker 1: or like now I'm because likening you got started with,
Speaker 1: you know, helping people with student loans in this industry. Yeah,
Speaker 1: how did you start the student loan doctor? Yeah, I
Speaker 1: was real broke, and so I just want to, you know,
Speaker 1: emphasize that. Um. I was living like beyond check the check,
Speaker 1: like overdraft to overdraft and then some like almost had
Speaker 1: my account closed a few times, but guy stepped in
Speaker 1: and then I was like, you gotta get your money right,
Speaker 1: like you don't have to live like this, and so, um,
Speaker 1: I took a financial literacy class at church, and then
Speaker 1: I started helping people at the church understanding to the
Speaker 1: loan that because that's my professional background. And then people
Speaker 1: started trying to send their cousins and their family members
Speaker 1: and I didn't even hear from the from the Lord,
Speaker 1: I still haven't heard this message to do the work
Speaker 1: for free. So I'm like, okay, he's not gonna I
Speaker 1: ain't never heard it. So I started meeting people at
Speaker 1: the corner of bakery. Now have you ever been to
Speaker 1: the corner bakery before? No? Okay, Cozy's like any any bakery. Okay, Well,
Speaker 1: you know in the bakery, you gotta find the spot
Speaker 1: next to the plug, like yes, the stocking. And so
Speaker 1: what I had to do was I would go to
Speaker 1: work every day, I would run to the corner bakery
Speaker 1: and I would get the corner roof with the socket. Now,
Speaker 1: in order to secure this spot, I had to flirt
Speaker 1: for it. You know, I still owe somebody a date,
Speaker 1: but I'm never gonna catch it in. So you know,
Speaker 1: we got do some strange things to start your business. Okay,
Speaker 1: So that man I haven't heard about heard because I'm not.
Speaker 1: You know, I'm excited to that to say I never
Speaker 1: did that, But I feel like he was gonna cash
Speaker 1: it on something, soons I had to get office. It
Speaker 1: was getting real weird because he would put this like
Speaker 1: reserve sign. I've never seen reserve side and a free
Speaker 1: bakery before. Again, I know he made that sign for you.
Speaker 1: He did. It was a little homemade, but we gotta
Speaker 1: just look at his heart. So pretty short. Um, I
Speaker 1: was telling people at the degree and I was charging,
Speaker 1: like when I get a little pai more than at
Speaker 1: the job, I'm like this my ghost nowhere. So I
Speaker 1: started taking off work and open up my calendar and
Speaker 1: then people just started making their appointments and paying their money.
Speaker 1: So I'm like, okay, let me see what would happen
Speaker 1: if I took a week off. And so basically what
Speaker 1: I was doing is meeting with people, going over their
Speaker 1: student on debt with them, you know, breaking down the numbers,
Speaker 1: talking about repayment plans, forgiveness, and I would help them
Speaker 1: call their lender. You know. They would talk of course,
Speaker 1: and we would set things up and it just really, guys,
Speaker 1: it blew up. In two thousand and eighteen, Um the
Speaker 1: Shade Room. Her name is Misha. She used to work
Speaker 1: for the Shade PROMP. She called me. It was like,
Speaker 1: tell me your story because I had posted something around
Speaker 1: Black History Time Black History Mother in February and she
Speaker 1: was like, oh, I love it. She's like, I'm gonna
Speaker 1: I'm gonna post it now. I'm gonna be honest with you,
Speaker 1: I didn't know what the shade room was at the
Speaker 1: time or what it could do, like the power of
Speaker 1: the shade room, but that took our business from I
Speaker 1: would say, like a high five take your business to
Speaker 1: a six figure now seventh figure business. So I really
Speaker 1: do credit just social media for blowing it all the
Speaker 1: way up because so many people, particularly black women, need
Speaker 1: help student loan debt. I'm a black woman and they're
Speaker 1: able to identify and then you know, we go from there.
Speaker 1: So yeah, that's dope. That is very dope because listen,
Speaker 1: everybody we know. I don't know anybody who doesn't have
Speaker 1: student loan debt unless they just even people who just
Speaker 1: went to a tech school or something like that. That That everybody,
Speaker 1: we're student loan debt um. And I was telling Tam
Speaker 1: earlier that black women like, yeah, we got the most degrees,
Speaker 1: we got the doctorate degrees, all the ship dhds, but
Speaker 1: we go into relationships with a lot of debt that
Speaker 1: maybe our male counterparts and don't come with m Well,
Speaker 1: we could talk about that because I do what I
Speaker 1: call late night series on my page and we start
Speaker 1: talking at the tipping him the kids to sleep, if
Speaker 1: I say, you know, I started talking to me in
Speaker 1: mentor women about like the debt, particularly they're student loan
Speaker 1: debt could be affecting their relationships and the quality there.
Speaker 1: Like you, you're laying next to this nigger, you like,
Speaker 1: you don't even like him, but you in the struggle,
Speaker 1: You're in the hardship. So you might be dating people
Speaker 1: entertaining people. You know what if you weren't broke based
Speaker 1: on yes and self esteem and circumstance, I would you selfuesteem?
Speaker 1: You might think that, but your money got you in
Speaker 1: this location with Gertrude, ugly Gertrude, like a woman that
Speaker 1: sounds like an ugly nig. Somebody Gertrude, that ain't a
Speaker 1: woman's name. Give the sex in this case? Wait, wait,
Speaker 1: we don't know what people doing strange these days could
Speaker 1: be you're a sex I don't know. Pointed people are
Speaker 1: with people because they can't afford the lifestyle they want.
Speaker 1: And you know, I think students are a big part
Speaker 1: of it. It may never say it, but they know,
Speaker 1: all right, what advice would you give students when they're
Speaker 1: applying for loans versus you know already in debt? So
Speaker 1: I so I have a philosophy, So borrowing determination equals
Speaker 1: career compensation, meaning you should only borrow your career is
Speaker 1: expected to pay back times too. So for example, a
Speaker 1: lot of our students, particularly our black students, go to
Speaker 1: schools that are not affordable. And I love our HBCUTH,
Speaker 1: I really do. But the challenges when you're saying that
Speaker 1: you want to go to school in school called sixty
Speaker 1: thousand a year, but your financial aid is only twenty thousand,
Speaker 1: where is that forty cople from? And so then what
Speaker 1: happens is your mom. Let's say your mom is in
Speaker 1: her forties, fifties, she got her credit together at this point.
Speaker 1: Right now mom has to leverage her credit for a
Speaker 1: private loan, apparent plus loan, or pull equity out of
Speaker 1: her home. So then the cycle of debt starts all
Speaker 1: over again when mom just got out at age forty
Speaker 1: and fifty maybe from her own student a day. So
Speaker 1: it's really a real cycle. So I often when I
Speaker 1: talked to students in the high school setting, I try
Speaker 1: to set realistic expectations about college costs. I'm like, if
Speaker 1: you need to go to community, it's a kay first.
Speaker 1: So here's the big heck. The same professors that teach
Speaker 1: at the community college teach at the four year institutions.
Speaker 1: They're just on a different day at a different price.
Speaker 1: That's number one. Number two. The other thing is we
Speaker 1: have to start looking at our state schools. Our state
Speaker 1: schools are really nice, they're really well funded, but nobody
Speaker 1: wants to go to the state school They want to
Speaker 1: go to the bigger schools, private institutions. And then when
Speaker 1: we see students leaving with eighty thousand, one hundred thousand
Speaker 1: and student loan debt for a bachelor's degree, now you
Speaker 1: can't get no home again, depend on where you want
Speaker 1: to live, the type of job, and your car not.
Speaker 1: Is like, it's like so many things that are impacted
Speaker 1: by those four years. Yeah, you know, I don't. I
Speaker 1: don't even feel like student loans actually exist. I mean
Speaker 1: because no, I mean, I know they exist. But what
Speaker 1: I'm saying is, can our economy, can our government actually
Speaker 1: pay for every person who goes to fill out of
Speaker 1: fast for and apply to college as to college and
Speaker 1: get accepted to go to school. Is there really enough money?
Speaker 1: Because suppose every every teenager goes to college, right, it's
Speaker 1: really like a cash advance on your future paychecks. That's
Speaker 1: how I see it. Does the money actually even exist? Yes?
Speaker 1: And no, So let's talk about that. So here's the
Speaker 1: thing everybody wants right now, the Biden administration to get
Speaker 1: rid of to their own debt. But the reason why
Speaker 1: that's not going to happen. Yeah, the reason why that's
Speaker 1: probably not going to happen to me be positive, possibly
Speaker 1: not going to be I've been here, is because there
Speaker 1: is no solution to stop the new generation, your cousins
Speaker 1: and your brothers, and your friends and family members from
Speaker 1: taking on debt. So how are we going to eliminate
Speaker 1: the existing debt? But we haven't even started, you know,
Speaker 1: a solution for the problem for people going to school
Speaker 1: to spring what this fall? So until we answer that question,
Speaker 1: we can't answer the question of what to do if
Speaker 1: you already have the debt. So just they're creating new debt.
Speaker 1: It's like a circle. Yea. So it's like, yeah, and
Speaker 1: here's the thing. I believe that the government could do
Speaker 1: it because we have not paid student loans in two
Speaker 1: years as a country. Did anybody die out, like maybe
Speaker 1: anybody gave no life went away? And so because life
Speaker 1: went on, it just goes to show you, it's possible.
Speaker 1: It's just it's it's something. But let me just say this.
Speaker 1: You know people hate when I talk like this. I
Speaker 1: don't really here. If you were to eliminate student loan debt,
Speaker 1: who is most disproportionately effective I still a loan debt.
Speaker 1: I'll answer for you. Yeah, minorities, black people, particularly black women.
Speaker 1: But you gotta remember still alan that is tied to
Speaker 1: home ownerships, real estate investing. So you mean to tell
Speaker 1: me you won't let the person in this country that's
Speaker 1: most agreed be out here in these streets with no debt. Exactly. Yeah,
Speaker 1: I don't even sound right out loud. So we got
Speaker 1: for Nest, all right, we got for Nest, and well
Speaker 1: I didn't, but a lot of people, a lot of
Speaker 1: black people, particularly god Finesse in the last election because
Speaker 1: they thought that Biden wouldn't want to come through and
Speaker 1: just cancel student on debt or you said a certain amount. Yeah,
Speaker 1: but again, yeah, politicians say a lot of things, and
Speaker 1: oftentimes they don't deliver on the on the promises they
Speaker 1: tell the people to get that vote. So what do
Speaker 1: you think we can do distance as students, because I
Speaker 1: know it affects maybe the millennials and gen Z the
Speaker 1: most right, right, So we just got this big gas
Speaker 1: weight over our heads for the rest of our lives
Speaker 1: lives essentially because y'all, Nick is getting fired allars from
Speaker 1: me every month for the rest of my life. You but, like,
Speaker 1: what do we do to leverage leverage the vote in
Speaker 1: the future and even from this current decision? You know
Speaker 1: what I'm saying, Like, do we need to then lobby
Speaker 1: gen Z and uh, millennials need the non lobby. I
Speaker 1: do believe we do need to start holding these politicians,
Speaker 1: particularly this administration, accountable, and we do that by with
Speaker 1: old than our vote. We do that by lobbying. We
Speaker 1: do that by being more vocal on the state level,
Speaker 1: right because there's money and funding that could help, because
Speaker 1: different states are creating different programs to get there Millennials
Speaker 1: and gen Z out of debt. The other thing is too,
Speaker 1: we are also not just wait on the government. And
Speaker 1: so what I tell people is you don't have a
Speaker 1: student loan problem. You have streams and income problem. And
Speaker 1: people get a little offended when I say that, But
Speaker 1: what I mean by that is is that you can't
Speaker 1: rely on as a millennial or a gen Z to
Speaker 1: just have one job that's gonna take care all your needs.
Speaker 1: I've never seen it, like even if you make six figures,
Speaker 1: you know, positive living has gone up. You need to
Speaker 1: have your job pay for your bare expenses. But then
Speaker 1: you need another stream, and it's a job stream of
Speaker 1: income you can attach to your student loan debt. Particularly
Speaker 1: for women. The psychology is men don't have as much
Speaker 1: student loan debt because they like laser focus and get
Speaker 1: rid of it right. Women do not separate student loan
Speaker 1: debt from their other expenses, therefore not prioritizing it. So
Speaker 1: I've been teaching women to say, hey, if you were
Speaker 1: to start doing I'm making this up uber on the weekends, right,
Speaker 1: that uber money goes straight to your student loan payment.
Speaker 1: So a woman can can do something like that because
Speaker 1: we're saying, okay, this is separate money. This is an
Speaker 1: avenue for that money. So I think it's really just
Speaker 1: about teaching people, you know, one to hold our administration accountable,
Speaker 1: but to not just wait on them to do something.
Speaker 1: What can you do with your gifts and talents that
Speaker 1: you get paid for at your job and you know,
Speaker 1: and and the word entrepreneurship can be scary for some people.
Speaker 1: But what can you do to bring an additional income
Speaker 1: to to live the life that you want to live.
Speaker 1: I wish they could go ahead and fucking repossess my
Speaker 1: motherfucking degree at where I put it out on the
Speaker 1: curved fool exactly, I'm picking up. It's not well, you
Speaker 1: know what, here's the things I got A few degrees.
Speaker 1: I do better with this. I think that, you know,
Speaker 1: having a college degree is um and honor, like, it
Speaker 1: says something about you and it makes your family proud,
Speaker 1: particularly because we are still um, not many generations away
Speaker 1: from our parents and grandparents not having access to college. Right,
Speaker 1: So let me just see my story, quick story. My
Speaker 1: grandmother is um when she passed on. But she was
Speaker 1: one of seven and so it's fine. She trust me.
Speaker 1: She had a great life, so don't be short. Her
Speaker 1: uncle had they were in South Carolina, had pulled them
Speaker 1: all together, all seven of them, and said, you guys
Speaker 1: need to vote which one is going to be sent
Speaker 1: to college. Now, remember this is back in the fifties.
Speaker 1: Ain't no financialating all that other stuff, right, So they
Speaker 1: voted for forties or fifties at this time. I can't
Speaker 1: remember them in the forties, they voted for my grandmother
Speaker 1: to be the one to go to college, so she
Speaker 1: went to college. She said it was a big burden
Speaker 1: on her back to graduate because obviously, you know, she
Speaker 1: got picked and he cash paid. So then she became
Speaker 1: a school teacher. So then she made sure that the
Speaker 1: rest of my uncles and my mom um went to
Speaker 1: school or the military. So I grew up knowing only
Speaker 1: one of two choices, and my family either had to
Speaker 1: go to college or the military because that's what she
Speaker 1: was told. So it was a lot of pressure from up.
Speaker 1: In hindsight, when I think about, like all my gifts
Speaker 1: and talents, do what I have needed to really go
Speaker 1: to college. Like me personally, I've been hustling since I
Speaker 1: was a little girl because I never wanted to ask
Speaker 1: my mom for no money. I was doing all types
Speaker 1: of stuff outside, making take carnival rides for dollars. You know,
Speaker 1: I never wanted the world. You know, it's the story
Speaker 1: for another day. But the point is I was always testling,
Speaker 1: Like I would be the girl that would bag up
Speaker 1: the candy. I had a little candy, and then you
Speaker 1: I would buy them and rebag them because you know,
Speaker 1: you should have went to the story that morning. That's
Speaker 1: your fault. So but I got I got it for
Speaker 1: you right now, I don't even know this, not even selling.
Speaker 1: Let me find out she got that tapped on the candy. Listen,
Speaker 1: I'm so glad my mom always a nice neighborhood because
Speaker 1: you could have had me back something. Now, See how
Speaker 1: acceptible I could have been, right opportunists? And I remember
Speaker 1: I got caught in school with the kendy like I
Speaker 1: had a book bag of kids, right, and the teacher
Speaker 1: was like, wait, what are you doing? So it's I
Speaker 1: gotta get out of this situation. So I was like,
Speaker 1: I said, well listen, I was like, my mom looked
Speaker 1: I hit him with I think my mom's the only
Speaker 1: I was like, my mom's a single mom. I was like,
Speaker 1: and I can't ask her for lunch this week. So
Speaker 1: I had to sell my candy. Do you want to
Speaker 1: buy some kiddy? Period? Hear me? We only had two
Speaker 1: choices today, So what are we gonna do here? Stop?
Speaker 1: Or it could be worser, could be worse. I was
Speaker 1: telling something else some bad So anyway, the point is, um,
Speaker 1: if if you if you think about that, like I
Speaker 1: always was selling or creating some experience, right, I really
Speaker 1: liked money, said I was little, Long city short. If
Speaker 1: my mom had knew better and and if entrepreneurship is
Speaker 1: what it is now, back then I could have just
Speaker 1: you know, been a millionaire long time ago, you know.
Speaker 1: So I'm gonna just forgive her for that, you know.
Speaker 1: And I think that's what the new generation is leaning towards,
Speaker 1: because we went to college because you know, some of
Speaker 1: our parents didn't. I know, Tam, your parents went to college,
Speaker 1: but my mom didn't go to college, So they're gonna
Speaker 1: push you out here. But now our generation is leading,
Speaker 1: leaning more towards ownership entrepreneurships. I feel like the newer kids,
Speaker 1: like the younger kids are going to like, yeah, you
Speaker 1: can go to college, but maybe college isn't for you.
Speaker 1: Like personally, I wish I would have went to college
Speaker 1: later in life, like now you know what I'm saying,
Speaker 1: Oh my my late twenties instead of like right all right,
Speaker 1: right out of high school because I wasn't as focused,
Speaker 1: so I wasted money. Well, definitely did two sophomore years.
Speaker 1: Fucking off. You said you let you left out a
Speaker 1: sophomore year, No I did. I did my sophomore year
Speaker 1: twice because the first year I was outside Tuesday, Wednesday, Thursday, Friday, Saturday,
Speaker 1: Sunday class, all right, here for class, and we both
Speaker 1: exactly we both went to a private black HBCU that
Speaker 1: at the time, that ship was eighteen thousand dollars a
Speaker 1: semester a semester. It was so expensive, and I was
Speaker 1: out there sucking off. I did not have no I'm
Speaker 1: dying it was eighteen thousand a year at the time,
Speaker 1: because I remember, like I'm looking at my awards letter
Speaker 1: right now, seventy six six six six, like seven thou
Speaker 1: year this year was this I started to oh two,
Speaker 1: so thousand for the year because I went to school
Speaker 1: and then kept going up. Oh five, Yeah, that's about right,
Speaker 1: that's all right. Yeah, that's still a lot of money though. Yeah.
Speaker 1: It was especially to just be playing with If I
Speaker 1: had the sense I have now, I would have graduated
Speaker 1: in two years instead of five. Exactly. You know. I
Speaker 1: think it's the thing, you know, the college experience, if
Speaker 1: done correctly, can never be redone in life. Like it is.
Speaker 1: It is something that you will like literally, I had
Speaker 1: a kick back last night and it was with my
Speaker 1: college friends and I remember it was so nostalgic, like,
Speaker 1: y'all remember we used to do this and we've grown now, right. So,
Speaker 1: but that experience and those friendships and those relationships and
Speaker 1: then even if you really do it right, leverage them
Speaker 1: into your professional space. Um. For that reason, I wouldn't
Speaker 1: take back going to college. For that reason. The educational component,
Speaker 1: I can't you know, the friends, that's a I think
Speaker 1: it was just friendships and then learning people like I'm
Speaker 1: gonna be honest with you. Go to college was the
Speaker 1: first time I really interacted with white people because I'm
Speaker 1: from the inner city of Philly, so I I might
Speaker 1: see one or two in high school and they were
Speaker 1: trying to be black. These was real white people and
Speaker 1: they've seen me either, you know. Then Oh my god,
Speaker 1: like literally the girl, my roommate, her mom and dad
Speaker 1: was so scared and I had ex her. I said, well,
Speaker 1: what do you know about black peopley what did you see?
Speaker 1: And y'all remember New York reference, Yes, I said, Oh,
Speaker 1: we're gonna he no. So I asked, I said, have
Speaker 1: you ever seen the cars piece right right here? She
Speaker 1: was like no. I said, well, that's why I want
Speaker 1: you to do this weekend. I want you to watch
Speaker 1: a few episodes with your parents right over sides. She
Speaker 1: was like, she was like, okay, she came back. Girl.
Speaker 1: It was they have brought me some brownies now to
Speaker 1: eat them though, because I don't know them. But it
Speaker 1: was nice though. They brought me some brownies and we
Speaker 1: were able to get along better because all she saw
Speaker 1: was red and TV. She would have never known about
Speaker 1: the cosmies, and I think it made it feel better. Yeah,
Speaker 1: that's funny. Hi. Uh, my parents brought some fried chicken
Speaker 1: and watermelon for you back because we heard you like that.
Speaker 1: They bought me brownie. Said that was staked. If they
Speaker 1: would have been some fried chicken. Oh hell no, like,
Speaker 1: oh my god, how did not even eat it? They
Speaker 1: brought brownies for a brownie you order something? Her Facebook message,
Speaker 1: I got time, so listen. What are some things that
Speaker 1: I from consolidating? Because I never consolidated my student student loans? Okay,
Speaker 1: So two part questions? Is it okay? Just should you
Speaker 1: consolidate with a third party lender? Um? If not, what
Speaker 1: are some other things you can do aside from repaying
Speaker 1: that's with yourself or consolidating? Was because I got a
Speaker 1: few ideas myself. But I just have an executed I'm
Speaker 1: gonna give you all a big heck that I only teach,
Speaker 1: and I'm nevern being funny when I say this. Now
Speaker 1: when I get paid thousands of dollars. So and this
Speaker 1: is everybody listening, and they really smart deal like Paul
Speaker 1: of the podcast and go run and play and come
Speaker 1: right back. So here's the thing I want to talk
Speaker 1: about the first question though, because it's where people get
Speaker 1: in trouble. Consolidating with the federal lender is okay when
Speaker 1: you talk about refinancing your loan with somebody out of
Speaker 1: the federal space, because they try to make it seem
Speaker 1: I guess the same thing that's not okay. Let me
Speaker 1: get an example. I had a client who did not
Speaker 1: want to listen to us. She was like, well, I
Speaker 1: had good credit, I'm gonna refinance my loans. She did
Speaker 1: it right before the endemic. What do you all things
Speaker 1: happened with the pandemic? Kid with her loans because she
Speaker 1: took me from being federal No no, no, not not
Speaker 1: just that she couldn't take a she couldn't take advantage
Speaker 1: of the more matorium, Oh because her ass went private. Kay.
Speaker 1: So two years, she would have had to not make
Speaker 1: a payment, but to make a payment get on top
Speaker 1: of the principle, which was what I hope people did
Speaker 1: during this pandemic. I know they didn't, but I hope
Speaker 1: they did. She couldn't do. She still had to pay
Speaker 1: like she wasn't in mhmm mhm. And that's why I
Speaker 1: tell people you have a lot of STUDI loan that
Speaker 1: I don't care if you got a good credit, leave
Speaker 1: them in the federal space because if UH signed Executive
Speaker 1: Act gets passed tomorrow, your asks ain't a part of it.
Speaker 1: Mm hmm. So that's a part of it all right. Now,
Speaker 1: let me get my hack. This is what I call
Speaker 1: um the entrepreneur loan forgiveness hack. Now you don't have
Speaker 1: to be trepreneur to do it. It just is a
Speaker 1: really good heck that if somebody was thinking about entrepreneurship
Speaker 1: could start their entrepreneur journey. I would recommend it. And
Speaker 1: how the heck goes this basically long story short. Let's say, um, okay,
Speaker 1: guys with ma fac I'm gonnapy, I'm ann pull yeall in.
Speaker 1: For the example, it's better when I post somebody in Okay,
Speaker 1: do you guys, have a business or business your thing
Speaker 1: about starting? Okay, give me, I'm I'm about to play
Speaker 1: all right, talk back the podcast right, and you monetize
Speaker 1: the podcast, right? Okay. Now, let me ask you a question.
Speaker 1: Have you ever thought about doing something really good with
Speaker 1: this podcast in terms of like being a like a giveback,
Speaker 1: like being a good giver in some type of way,
Speaker 1: like anything you ever wanted to do if you if
Speaker 1: money wasn't a thing and you wanted to use this
Speaker 1: platform to give back, what would they look like? Um,
Speaker 1: I don't know, yeah, something that's not monetary. So let
Speaker 1: me give you an example. This is what I do
Speaker 1: for liver it. Let me run a play for y'all.
Speaker 1: So let's say we're gonna donate to us to do
Speaker 1: something with this business, right, No, not your shoe? No no, no,
Speaker 1: no no, don't get ahead now listening, I really teach
Speaker 1: you rele like, so I'm like, no, no, no, come on,
Speaker 1: come back, I listen. Let's say we took this podcast, right,
Speaker 1: and we and we wanted to actually set up in
Speaker 1: it's set up a tour and on the tour we
Speaker 1: had a live episode taping and then the next day
Speaker 1: we had some type of sister circle meet and I'm
Speaker 1: making this all the way up right. M Now, that
Speaker 1: could be paid for through your nonprofit where women, ages,
Speaker 1: whatever whatever could come and could fellowship, could network. That's
Speaker 1: a nonprofit you could start for that. So the podcast
Speaker 1: is your fore profit instity because you are making or
Speaker 1: would like to make profit with this. But let's say
Speaker 1: you really wanted to really touch the women in those
Speaker 1: particular cities and do would call it a talk that kickback?
Speaker 1: I don't know, I'm making this up right, yeah, thank you?
Speaker 1: Yeah right. System. Now let's say you're like, all right,
Speaker 1: I gotta get some sponsors for that, but maybe initially
Speaker 1: you don't have any because they need to see that
Speaker 1: this is a proven concept that works. Once they see
Speaker 1: you go to Atlanta and you put five hundred women
Speaker 1: in the room to just talk about real women ship. Now,
Speaker 1: Cola Cola want to sponsor you, right, but we didn't
Speaker 1: get that far initially. Let's say the venue cast a thousand.
Speaker 1: Let's say refreshments cost five hundred, and um, you extended
Speaker 1: day at the hotel was three hundred. That's eight hundred.
Speaker 1: You'll follow, the for profit would pay the non profit
Speaker 1: the hundred, So Now you just made a really great
Speaker 1: text right off for your for profit number one. Number two,
Speaker 1: guess what you just made you too eligible for donations,
Speaker 1: So get to get paid through the nonprofit. No, let's
Speaker 1: go back to student forgiving. Now you're eligible to enroll
Speaker 1: yourself and the public service now forgiveness programs. You got
Speaker 1: real money coming in. You do take a stiping pay
Speaker 1: other than nonprofit to show you got paid. It is
Speaker 1: not free. And now you're eligible for the forgiveness program.
Speaker 1: And it's little nuances in between there. I'm skipping, of course,
Speaker 1: but basically that's the general concept. And so what I've
Speaker 1: been saying to entrepreneurs because so many people want to
Speaker 1: go into entrepreneurship but are scared because of your student
Speaker 1: loans or whatever. Start your entrepreneurship journey. But I think
Speaker 1: that every entrepreneur, every business should be thinking about what
Speaker 1: I call a nonprofit armed. The nonprofit armed sets you
Speaker 1: up to have taxes written off and sets you up
Speaker 1: to have public service don't forgiveness success. So not only
Speaker 1: are you being a great giver, you're also giving back
Speaker 1: to yourself. Girl, you just the motherfucking juel. Y'all heard
Speaker 1: the bar. Yeah, So we all about to have five
Speaker 1: of one C three is now literally this is what
Speaker 1: this is what the rich, the wealthiest business incorporations do.
Speaker 1: I didn't see anything that was super deep. I just
Speaker 1: said it, so that was tangible for you to be
Speaker 1: able to go do it and run the play. And
Speaker 1: the person that's listened to this as really savvy, they're
Speaker 1: going to go do that because I just told you one.
Speaker 1: Would you rather pay your nonprofits to advance your calls?
Speaker 1: Or would you betther pay the I R s you
Speaker 1: somebody got the money gotta go somewhere. Anyway, mine as
Speaker 1: well go to being a great giver. Interesting, but I've
Speaker 1: I've done a little bit of research on that, but
Speaker 1: obviously I haven't implement in that. I got a lot
Speaker 1: of a lot of students on that. Okay, a lot
Speaker 1: of students on that. I think you guys can do it.
Speaker 1: And you know, the one thing I was looking that
Speaker 1: was the have you heard of this is the borrower about? Yes?
Speaker 1: Mm hmm. I feel like the college we went to,
Speaker 1: the h b c U we went to it was
Speaker 1: a lot of shady ship going on over there. No,
Speaker 1: I believe you. So here's the challenge with the Borrower's
Speaker 1: sense program. There has to be a substantial amount of
Speaker 1: evidence or accusations for the Department that add to look
Speaker 1: at it. So you really had the time to submit application.
Speaker 1: It's not on the instant. But if you got your
Speaker 1: your colleagues at your school, your classmates you're still in
Speaker 1: touch with, to do the same application the same way.
Speaker 1: Now the Department of Education goes, oh, let me see
Speaker 1: what was happening at that that it's private school, and
Speaker 1: that they investigate and ask for the certain things. You
Speaker 1: guys said what was happening to be verified and the
Speaker 1: college couldn't. Then you could present a case for Borrower's defects.
Speaker 1: But then that could uh damage the reputation of the
Speaker 1: institution that they already damaged over there how many times
Speaker 1: it was about to lose accreditation. Have fun and they're
Speaker 1: probably they're probably weren't gonna HBCU though you're not gonna
Speaker 1: do that. They don't care about damn student loans. I
Speaker 1: still love my college. But but but the school closed,
Speaker 1: don't know, I'm joking the school Kirk did they die? Thought? No?
Speaker 1: No school. So here's the thing, let me get a
Speaker 1: real example. It did happen before with I T T Tech.
Speaker 1: So remember when I T T Tech closed down. That's
Speaker 1: why because so many substantial claims came in that the
Speaker 1: government did this. They do what's called pull back. They said,
Speaker 1: you guys can stay open, but you're no mong we're
Speaker 1: going to receive financial aid from us. How many people
Speaker 1: do you think can cash pay right? Zero? So after
Speaker 1: one semester now the school had to close down because
Speaker 1: the government took the financialate away. Would you want to
Speaker 1: be respond possible for the closing of your HBC You
Speaker 1: don't care. Damn no, I wouldn't want that. I think though,
Speaker 1: if it was a real issue and it has a
Speaker 1: nasty bit just working and financially, I can't fly. Like
Speaker 1: I said, they had some nasty financially Like listen, they
Speaker 1: used to be in there trying to handle you as
Speaker 1: if if they don't get your paperwork right, like you
Speaker 1: don't get paid if my paperworking right, ma'am. You know,
Speaker 1: like if you don't get my financially sent you, this
Speaker 1: is how you get paid. So why are you treating
Speaker 1: me like I'm like the problem? You know what I'm saying?
Speaker 1: It was real? You know what I mean over there?
Speaker 1: This is what happens why we don't sometimes properly train
Speaker 1: our stuff. But to the other thing is if you're
Speaker 1: dealing with people that are first new to school for
Speaker 1: the first time, most people um and still they're still first.
Speaker 1: There's there's no edicated on what college experience should be like.
Speaker 1: So now what you did at the doctor's office in
Speaker 1: Philly or what you did at the week office, you
Speaker 1: think it's okay to come to the college and talk
Speaker 1: to these people like that. So then we get dis
Speaker 1: frontal college workers because you got dispontor people coming in
Speaker 1: talking like they're crazy. It's just a cycle. I have
Speaker 1: a whole year that I did not attend college that
Speaker 1: I would charged for. How is that possible? You see
Speaker 1: what I'm saying. No, no, no, that's not legal. No exactly.
Speaker 1: So if I approved that to FED loans, well you
Speaker 1: couldn't for the complaining with the department to add and
Speaker 1: on a case by case, it's possible they could reverse
Speaker 1: those charges for that year. Yeah, if you got a
Speaker 1: whole twenty thousand dollars for a year that you didn't
Speaker 1: you didn't sign any paperwork or nothing for it, and
Speaker 1: there's definitely something Yeah, so I didn't get done. So
Speaker 1: who else did y'all do that too? You see what
Speaker 1: I'm saying. If you're not paying, who else did y'all
Speaker 1: do that too? To get the funds I'm not paying
Speaker 1: for that, I would definitely say something, Yeah for sure.
Speaker 1: So okay, what is a better option and help people
Speaker 1: understand what the difference is when a with a subsidize
Speaker 1: it subsidized and unsubsidized federal student loan. Yeah, So the
Speaker 1: thing is, it's not set up to be an option.
Speaker 1: What it more so set up is and says is
Speaker 1: with this subsidized loan debt um, the government will pay
Speaker 1: part of your interests while you're in school. The unsubsidized says,
Speaker 1: we will let you borrow this money, but we are
Speaker 1: not paying for your interests. And so we find that
Speaker 1: people have to take both loans because they need to
Speaker 1: pay for the total mail. Oh but if you're aver
Speaker 1: in a situation where you have scholarship money and then
Speaker 1: you only have to take out a subsidized loan, that's
Speaker 1: a lot better than taking out both. So some people
Speaker 1: have to take out both. Most people had to take
Speaker 1: out both loans and say it that way, But if
Speaker 1: you ever had the option, then I would do subsidized
Speaker 1: because you want the government to cover the interest. And
Speaker 1: see even like that, you were we remember subsidized and
Speaker 1: unsubsidized on our award letter. But did anybody in financial aid,
Speaker 1: any counselor ever explain to you the difference between the two. No,
Speaker 1: you know, I don't remember. I don't know. And honestly
Speaker 1: I was That's what I'm saying, Just what can I
Speaker 1: do to get in school? What? Yeah, like sund me
Speaker 1: up or whatever so I can stay in school, you know,
Speaker 1: And that's not that's not counseling because mortgage lender wouldn't
Speaker 1: do you like that. You know what I'm saying, right,
Speaker 1: So you took words in my mouth. Uh, Students going
Speaker 1: to school, it's just like older adults trying to buy
Speaker 1: a home. It's the same zest like I just gotta
Speaker 1: get this home. I gotta get into this school. And
Speaker 1: and the thing is even parents, um sometimes put false
Speaker 1: pressures when their kids to go to school, and so
Speaker 1: nobody's really doing the math or care about the math
Speaker 1: per se, and signing away their life and not reading,
Speaker 1: and then it just becomes the train wreck. Yeah, minded,
Speaker 1: and my mama was not having that ship. I remember
Speaker 1: going to the dorm and my oldest sister who had
Speaker 1: went to college, she was like, um a J Well, Ashley,
Speaker 1: you need to come home because that school costs too much.
Speaker 1: I just put my ship in the dorm. She was like,
Speaker 1: just come home, go to school for two go to
Speaker 1: tech for two years, and then if you want to
Speaker 1: go to a four year do that. But I wanted
Speaker 1: the college experience. And you know what, my mama said,
Speaker 1: I'm not paying for your ass to have an experience.
Speaker 1: Period of My dad might have took out a five
Speaker 1: thousand dollar loan and that's it. Everything else I had
Speaker 1: to pay for. You had to come home. Yeah, I
Speaker 1: feel like, yeah, I just paid for school, so unsub
Speaker 1: pale grant. Uh, just anything I could sign my name
Speaker 1: to that would make it. That is me. I did
Speaker 1: m Yeah, so for me, my mom got really sick
Speaker 1: my senior year, so I had to week like it
Speaker 1: was like no money because I didn't believe know how
Speaker 1: to thought the fast. But this is when we was
Speaker 1: doing math paid for and ship. It was weird. So
Speaker 1: I was going to get put out of school. But
Speaker 1: my my financial aid counselor called me and she was
Speaker 1: like you need to come up um by the end
Speaker 1: of this week. She was like, with some money for
Speaker 1: next semester. I'm like, now where would I get that from?
Speaker 1: And she was like, you need to knock on every
Speaker 1: door on campus and see who has a scholarship. Like
Speaker 1: imagine get a call like that. So I only owned
Speaker 1: one pair of sneakers at the town because I was
Speaker 1: so girly, which is such the opposite of what I
Speaker 1: am now. I love sneakers, right, So I had. All
Speaker 1: I had was like hills and little kit Hills. I
Speaker 1: don't know who I thought it was. I get I
Speaker 1: watched too much to you day m So I was like,
Speaker 1: let me put my speakers on. And I went and
Speaker 1: knocked on every door for a whole day. And I
Speaker 1: got to the last door and her name was Miss
Speaker 1: Debbie and she said, what's your g p A? And
Speaker 1: at the time, my g p A was like a
Speaker 1: three point eight. And she was like, she said, what
Speaker 1: activities are your part of? So I started telling her
Speaker 1: all the activities I joined because I was bored as hell.
Speaker 1: And she was like, okay, She's like, I'll let you apply.
Speaker 1: She was like, I need this essay back in two hours.
Speaker 1: So at least I knew how to type, so that
Speaker 1: was a good thing. I typed it up and handed
Speaker 1: it in. She said, come back in two more hours
Speaker 1: and I'll give you an answer if you or another
Speaker 1: young lady got to scholarship. Long story short, I get
Speaker 1: back there. She was like, um, sonya. Now, do y'all
Speaker 1: think they called losers first, right? I was like, they
Speaker 1: don't call Lucifer's. I was like yes, she was like okay,
Speaker 1: she was like congratulations. I'm like, oh my god, thank you.
Speaker 1: The girl like storm Soul starts cussing. She's mad, so
Speaker 1: she doesn't like you. To the death song, she said.
Speaker 1: I didn't know why she was mad. I guess how
Speaker 1: much the scholarship was for a full ride? Wow, a
Speaker 1: full ride. I was just sitting there waiting on somebody
Speaker 1: on the knock on the door for it, literally knock
Speaker 1: on the door, like every door. And I was about
Speaker 1: to quit and give up on knocking on doors because
Speaker 1: I was tired, my feet was hurt, my campus had
Speaker 1: heels and it I'm so, you know, I gotta go
Speaker 1: one more here. I can't do it. So I did it,
Speaker 1: and I'm glad I did it because again, waiting at
Speaker 1: the end of it was a four hot Yeah, yeah
Speaker 1: it was. It was a real one. I still remember
Speaker 1: that day. And then I said, excuse me for a minute,
Speaker 1: and I had like this whole praise dance and shout.
Speaker 1: I had to call my grandma back. I was like,
Speaker 1: tell unclad, he ain't got to come to them all
Speaker 1: was coming to get you in your ship he put out.
Speaker 1: So like a lot of big companies, they offer like
Speaker 1: paid therapy sessions for their employees and families to help
Speaker 1: manage their work life. Balanced the lack there of anyway.
Speaker 1: So with student loan debt counseling, you would think that,
Speaker 1: you know, major corporations and companies would have something like
Speaker 1: that at their headquarters or something. Have you appeared with
Speaker 1: any major compan be these the one book? One time
Speaker 1: we did one it was a nonprofit and we did
Speaker 1: some work for them UM and it actually was a
Speaker 1: really great relationship. It's just when the budget came back in,
Speaker 1: it wasn't space for it. UM And what I find
Speaker 1: by started my own counseling service. So this week UM
Speaker 1: people had and will paid for it and we're actually
Speaker 1: not even terribly expensive. And I did it on purpose.
Speaker 1: UM because I what I realized is there's really no
Speaker 1: place you can go and have somebody break down your
Speaker 1: student loan debt and some solutions without them asking for
Speaker 1: a payment at the end. And we didn't want to
Speaker 1: be that service for anyone, Like we didn't want to
Speaker 1: work or or be aligned with the student loan lenders.
Speaker 1: We wanted to be for the people, so we can
Speaker 1: tell the people what the best thing is to do
Speaker 1: and not to do. UM. So, yeah, I think it's
Speaker 1: a great service. I'm sure in different states there are
Speaker 1: things and companies like it that exists more on a
Speaker 1: corporate level. But let me really honest with you guys,
Speaker 1: Like when I started my brand, I never wanted to
Speaker 1: change me or my personality and how I wanted to
Speaker 1: serve people. So I've always been very very careful with partnerships, um,
Speaker 1: with taking money from people that don't look like me,
Speaker 1: so they can't control my narrative and how I teach.
Speaker 1: Because if I want to get on I g live
Speaker 1: tonight and say buck them loads, like I might want
Speaker 1: to get on there and say something radical like I
Speaker 1: need to know that my money and my payroll for
Speaker 1: my team ain't gonna get cut if that makes sense,
Speaker 1: and so I was, and it took I've been a business,
Speaker 1: how six years? It took four years to be able
Speaker 1: to be really comfortable to say I can do this
Speaker 1: pay roll pay my people, you know, six figures were
Speaker 1: close to it or and it be from the muscle
Speaker 1: like I was really really adamant that I didn't want
Speaker 1: to work and be aligned with certain companies because then
Speaker 1: you know, you got that little carrot over your head.
Speaker 1: I don't want to experience right now, let me ask
Speaker 1: you this. There's people who went to college the wreck
Speaker 1: of artist dead and then this went on with life
Speaker 1: andself forgot that ship and forgot about it. How did
Speaker 1: they even find out how much they? Oh? Like, they
Speaker 1: wouldn't even know where to start or how you running
Speaker 1: their debt? So the best place to go is to
Speaker 1: call as a place called student aid dot gov. So
Speaker 1: student aid dot gov allows you to see all of
Speaker 1: your federal loan debt. You also can get an annual
Speaker 1: free credit report who your credit and see what still
Speaker 1: loans come up when your credit as well cost compared
Speaker 1: to to make sure the information looks the same um
Speaker 1: and then you you know, these accounts are free of
Speaker 1: course and then you want to find out based off
Speaker 1: of your credit report, whereas to the A report, who
Speaker 1: your lender is, and so then you want to create
Speaker 1: your lender account and putting your basic information and your
Speaker 1: loans will come up. Right, All these things are really
Speaker 1: important to know how to access. And we'll be doing
Speaker 1: more classes on our platform that really show people how
Speaker 1: to get into their stuff again because it's been so long,
Speaker 1: or maybe some people have never But the thing is,
Speaker 1: you don't want to be a passive participant and the
Speaker 1: repayment of your loan because once your loans going to
Speaker 1: default and they just actually cleared the fault all the
Speaker 1: fall alans recently. But if if you when this is
Speaker 1: over and your loans happen to go into default, it
Speaker 1: stops you from being able to buy a home. It
Speaker 1: stops you from being able to have good credit. It's
Speaker 1: on your credit report though, right, Well, no, so that's
Speaker 1: where people get this messed up, So on you, That's
Speaker 1: what I'm saying that, right, So, after it gets to
Speaker 1: a certain point, let's put it that way, they leave
Speaker 1: your credit a point and if you now, if you're
Speaker 1: at that point, let me just put it that way.
Speaker 1: Just know, with the recent change with the Biding administration,
Speaker 1: it's going to come back on your credit soon. Now
Speaker 1: that's the better Prove it just like any other day.
Speaker 1: Prove it right, because yeah, it's a good and bad thing.
Speaker 1: So if it comes back on your report again, you
Speaker 1: can go through the process with credit and get it off.
Speaker 1: But remember there is the consumer report is what you're
Speaker 1: talking about when you go to buy home. There's another
Speaker 1: report that they look at. It shows all federal holdings.
Speaker 1: Right now, if you were just saying, well, so I'm
Speaker 1: just trying to get them off my credit because I
Speaker 1: need to go buy our car, go ahead. It car
Speaker 1: dealership could never see it. But when we started talking
Speaker 1: about investing her holy certain government licenses for work, it
Speaker 1: will show up, right mm hmm. Until then, you know,
Speaker 1: catching weekend so bad. All right, listen, we appreciate you,
Speaker 1: saw you for coming over. We talked back. Let out.
Speaker 1: Yes you are a delight. They can find you at plug. Yes,
Speaker 1: so go to Instagram and stud alone. Doctor. Um all
Speaker 1: the fun list here. Our website is doctor. Please help
Speaker 1: me that come Um, I don't know, just google less
Speaker 1: you'll find us. Um. It's just a little black girl
Speaker 1: that changes here. Styles every so often. Um, it's still me.
Speaker 1: Phones don't change. I never look like any of my
Speaker 1: photos and I got work for it one this year.
Speaker 1: One day is flocks. I'd like this now it's girl.
Speaker 1: The point is, you know, just look for the name
Speaker 1: studan doctor. Um, and then this I tell people, like,
Speaker 1: if you know you need us, and you know your
Speaker 1: friends need us, don't go on a crusade because you
Speaker 1: heard that episode. Just say, like, I think there's somebody
Speaker 1: should check out, drop them off. They will find their
Speaker 1: way to my d MS to help on your own,
Speaker 1: and then we could just take it from the air.
Speaker 1: So it's gonna be good. Did you plug your Instagram
Speaker 1: out of here? It? Oh the student loan doctor Okay,
Speaker 1: were in there? Yeah, man, go and check her out
Speaker 1: for really help your talk out talking to these niggas. Boy,
Speaker 1: we got all the student loan debt. Oh, we got
Speaker 1: to do a whole class on We need to do it.
Speaker 1: We know what we need to do. Some speed dating
Speaker 1: on some student loan desk, speedy and like that. You
Speaker 1: know when credits impose you again. All right, y'all listen.
Speaker 1: If you enjoyed this episode, please tune in every Thursday
Speaker 1: on the I Heart Radio, Apple, Wherever the fun you
Speaker 1: get your podcast at. This your co host, A J
Speaker 1: Holiday two point oh. Follow me on Instagram, A and y'all,
Speaker 1: this is official. Tim ma'am on Instagram following me. I
Speaker 1: love you guys, Thank you all for listening, and y'all remember,
Speaker 1: speak now and never hold your peace. Viruses