WEBVTT - EP. 67 " Ain't No Forgiveness Bae" with Sonia Lewis

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<v Speaker 1>We're just too unapologetically black women with an opinion. Who

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<v Speaker 1>talks back? Hey, y'all, it's me Tim Maam. Welcome back

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<v Speaker 1>to a new episode of We Talked Back. Hey, and

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<v Speaker 1>that's your co host, a j holiday Am. How are

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<v Speaker 1>you doing? A j oh, good girl. That was a

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<v Speaker 1>good introduction, like that yelling at the goddamn Mike period.

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<v Speaker 1>What's up, y'all? How was your weekend? My weekend was cool.

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<v Speaker 1>I went outside. I know, I said I wasn't going outside,

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<v Speaker 1>but I did. The live motherfucker's terrible. It's boy like,

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<v Speaker 1>It's all right. You're sitting up in this four floor

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<v Speaker 1>looking down this all kind of ship in energy outside.

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<v Speaker 1>It makes it hard to want to stay inside when

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<v Speaker 1>it's all beautiful and stuff. So I was outside. You're

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<v Speaker 1>going outside when it was cooldest funk outside outside. It's

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<v Speaker 1>harder when it's nice. So that bruns out, all right?

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<v Speaker 1>So what club did you hit up this weekend in Charlotte?

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<v Speaker 1>You might as well listen. First of all, you might

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<v Speaker 1>need to try to get some low promo money from

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<v Speaker 1>these niggs in Charlotte. Okay about these spots being astly,

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<v Speaker 1>because I'll be moving around the city so I went

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<v Speaker 1>to UM. I started at Infused, which is like a

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<v Speaker 1>little hooka bar. Then I left there and I went

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<v Speaker 1>to Fahrenheigh, which is like a rooftop situation. You can

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<v Speaker 1>see the city city views. It's good cocktails. Had a

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<v Speaker 1>few drinks there. Then I left there and I went

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<v Speaker 1>to another place called fifteen Street Social, which is a

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<v Speaker 1>newer spot, and it was seeming kind of young, but

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<v Speaker 1>the DJ said that people were that young. Black just

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<v Speaker 1>don't crack, so um it was cool. Left there and

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<v Speaker 1>I went to cloud Southend, which is a nice little

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<v Speaker 1>jumping It's like one of the most popping spots in

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<v Speaker 1>Charlotte right now. Cloud and that was That was Saturday night.

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<v Speaker 1>That was all I want, all of those places. There's day.

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<v Speaker 1>I got up and I went to fifteen one, which

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<v Speaker 1>is like an outdoor situation, real good vibes, good music.

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<v Speaker 1>R and b's grown crowd, very grown crowd. Oh yeah,

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<v Speaker 1>I went there. I went there a couple of weeks

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<v Speaker 1>ago to watch a football game. It's like outside, right, yeah,

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<v Speaker 1>it's outside. It's next to that ruby ruby ruby. What's

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<v Speaker 1>that ruby sunshine? Don't I think you might be talking

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<v Speaker 1>about Lost and found? Lost and found is another good spot. No,

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<v Speaker 1>I'm pretty sure it's fifteen on one. Maybe I'm thinking

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<v Speaker 1>about yeah, but that's the place. It's like outside, they're

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<v Speaker 1>in the same area. Yeah, okay, yeah. I went there

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<v Speaker 1>and I was like, damn. I asked the barts and

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<v Speaker 1>I'm like, who on this? She said it was black On.

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<v Speaker 1>I'm like, okay, yeah, he's black on a little nightclubs

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<v Speaker 1>in Charlotte. They be doing a damn thing. And then

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<v Speaker 1>and then I left fifteen o one and I went

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<v Speaker 1>to STATS on Sunday nights stands on Sunday night. It

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<v Speaker 1>is like a whole vibe. That's a big spot. Like church.

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<v Speaker 1>They called church on Sunday. What about your heathens? Right?

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<v Speaker 1>The church? So I did be going to church online

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<v Speaker 1>on Sunday Sunday morning. I got the first day. It

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<v Speaker 1>gives me the word before I go out and drink. Now,

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<v Speaker 1>one day we was talking and I said, you said, yeah,

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<v Speaker 1>I went to church twice today. I was like, damn, girl.

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<v Speaker 1>He was like, man, funk these niggers. I went to church.

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<v Speaker 1>I'm really thinking this bitch went to church twice. She

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<v Speaker 1>talking online church, it's all online. You ain't going nowhere.

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<v Speaker 1>I didn't go. I was in a tennis he record.

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<v Speaker 1>They recognized the listeners online. Bitch, you said some ties

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<v Speaker 1>in all right, now that's now he runs out. Now,

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<v Speaker 1>that's one thing I ain't about to do. You runs

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<v Speaker 1>out now. That was my weekend. But this weekend, I'm

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<v Speaker 1>a chill. Is Mother's Day this weekend coming up? No,

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<v Speaker 1>it's next, it's next me. Yeah, okay, this weekend I

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<v Speaker 1>don't have I might fly to Atlanta this weekend or something.

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<v Speaker 1>I'm going to tell your maka next week. I can't wait.

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<v Speaker 1>So I'm at to I don't know, do something for

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<v Speaker 1>my mom before I dip out on her ass. My

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<v Speaker 1>weekend was uneventful, per usual. My stepdad is in the hospital.

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<v Speaker 1>That's what I've been dealing with. Yeah, man, listen, y'all,

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<v Speaker 1>take care of your bodies when you're young. Just take

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<v Speaker 1>care of your bodies when you're young, so nobody has

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<v Speaker 1>to take care of you when you get old, like

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<v Speaker 1>that should just be goals. Yeah, but I mean, that's

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<v Speaker 1>that's deteriorating as we get older. Is a part of life,

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<v Speaker 1>kind of right. Even if you take care of ourselves,

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<v Speaker 1>it's just only so much you can do before somebody

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<v Speaker 1>got to take care of you. You know, I read

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<v Speaker 1>this hot I read this article that suggests that each

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<v Speaker 1>human has a certain amount of heartbeats. We just don't

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<v Speaker 1>know what our predetermined amount of heartbeats are. Could you

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<v Speaker 1>imagine that? Like it's somewhere they got I wouldn't. No,

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<v Speaker 1>hell no me either, spending my day's counting them. But

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<v Speaker 1>I did also read because a couple of months ago,

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<v Speaker 1>I was stressed out, like why the fund is? I

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<v Speaker 1>always wear my fit bit right, I know everybody got

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<v Speaker 1>Apple watched My Life hip it I my heart rate

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<v Speaker 1>is always like low, like fifty five, so I'm thinking

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<v Speaker 1>I'm dying. And I was watching uh Discovery of Witches

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<v Speaker 1>last night, and of course you were. And the dude,

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<v Speaker 1>the one of the vampire characters, old girl, was feeling

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<v Speaker 1>his chest and she was like, you know, you don't

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<v Speaker 1>have a heartbeat, and then the heartbeat came right he

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<v Speaker 1>was like, I do have a heartbeat, is just slower,

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<v Speaker 1>you know, because we live internal we got eternal life,

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<v Speaker 1>So your heartbeat. Then I started Google. I said, wait

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<v Speaker 1>a minute, so I'm not sick because my heartbeat it's

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<v Speaker 1>sucking slow. So your vampire bitch. Now I'm a lift

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<v Speaker 1>already know I'm a lift toime like ninety five, but

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<v Speaker 1>now I'm it's like confirmed. Yeah, bitch, I take it easy. Okay,

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<v Speaker 1>what network was this song? AMC bitch? Listen, I take

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<v Speaker 1>it easy. I know I'm gonna be around here until

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<v Speaker 1>like ninety three. That's why I need y'all to stop

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<v Speaker 1>sucking up my world. Okay, if you're planning on die

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<v Speaker 1>in that sixty okay, stop sucking my world up. Yea.

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<v Speaker 1>Let's let's go to commercial on that note, because this

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<v Speaker 1>bitch is We'll be right back. All right, Let's get

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<v Speaker 1>into some dumb internet news, y'all. What we got going on? Sam?

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<v Speaker 1>So Mega Stallion did an interview with GAYL King? Did

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<v Speaker 1>you why? Why? Why? What? I don't know why. I thought.

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<v Speaker 1>I thought they put Tori under a gag about this whole,

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<v Speaker 1>you know, situation that happened. So why is she allowed

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<v Speaker 1>to do interviews with Gail King and he can't say anything?

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<v Speaker 1>I guess because maybe we need to We're looking at

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<v Speaker 1>it wrong. We were looking at it as if it

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<v Speaker 1>doesn't seem fair. Should we be looking at it as

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<v Speaker 1>if this nigga is fucking guilty? And I'm a victim

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<v Speaker 1>and I should be able to talk about it like

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<v Speaker 1>this is therapy for me at this point, and with

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<v Speaker 1>the whole world. I'm not here to um like judge

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<v Speaker 1>either one of them. This ship has been going on

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<v Speaker 1>for two years now. Yeah, it's like two years now.

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<v Speaker 1>The fact of the matter is Meg the Stallion did

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<v Speaker 1>not have a gun, and she got hurt. Somebody else

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<v Speaker 1>had a gun. You see what I'm saying. She got hurt,

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<v Speaker 1>and with the internet and everybody, she probably felt the

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<v Speaker 1>need to get out there and tell her story in

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<v Speaker 1>some type of way and get a check off it

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<v Speaker 1>at the same time. Yeah, I feel you so um.

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<v Speaker 1>I'm gonna read some of the things that Megan said. Uh,

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<v Speaker 1>and it's quote big Megan said. It was an argument

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<v Speaker 1>because I was ready to go and everybody else wasn't

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<v Speaker 1>ready to go. But that's like normal friends stuff, Like

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<v Speaker 1>we fuss about silly stuff all the time. But I

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<v Speaker 1>never put my hands on anybody. I never raised my

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<v Speaker 1>voice too loud, Like this was one of them times

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<v Speaker 1>where it was like it got it little. This was

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<v Speaker 1>one of them times where it was like it shouldn't

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<v Speaker 1>have got this crazy right, And I can I can

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<v Speaker 1>understand that you know how sometimes like you and a

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<v Speaker 1>Frank could be y'all could be playing damn, and all

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<v Speaker 1>of a sudden, somebody really gets serious. Like I can

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<v Speaker 1>see that happening. I've had that happen, um. But you

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<v Speaker 1>know one thing I did see. According to a public

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<v Speaker 1>transcript from December hearing on Meg the Stallion and Tory

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<v Speaker 1>Lanes case, the source can't confirm that the officer testified

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<v Speaker 1>there was gunshot residue found on tories hands. So now

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<v Speaker 1>all the public um judges have been saying, oh, they

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<v Speaker 1>found the residue on old girl's hand, homegirl, Casey, wasn't

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<v Speaker 1>it learning Casey? M hm, Kelsey sorry that they found

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<v Speaker 1>a yeah, the residue on Kelsey's hands, But in actual

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<v Speaker 1>evidence at the courts, now they're saying that that the

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<v Speaker 1>residue was on Tori's hands. Then also, you know this

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<v Speaker 1>should have missed. It is there, she's staying there. They

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<v Speaker 1>never slept with each other, her and Tori. I mean,

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<v Speaker 1>are you publicly about to damn? I'm not listen. This

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<v Speaker 1>is my pussy. I don't gotta confirm or deny nothing

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<v Speaker 1>for y'all. Period. So rather she did or not, is

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<v Speaker 1>that her business I feel like even if I feel

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<v Speaker 1>like her saying that they did what, even that would

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<v Speaker 1>be a better defense for for it would be not

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<v Speaker 1>a defense. Sorry, it would be a better situation if

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<v Speaker 1>she did say that they were fucking, because that's even

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<v Speaker 1>more reason for him to shoot at her. But I

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<v Speaker 1>feel like, if you're gonna come out and uh talk

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<v Speaker 1>about this ship till the whole truth, now don't then

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<v Speaker 1>maybe that is the truth. Maybe it is the truth.

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<v Speaker 1>Why don't know? I mean, based on what you're saying,

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<v Speaker 1>why would I come out and tell somebody my sexual business,

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<v Speaker 1>you know, like you know, if you're gonna tell it, now,

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<v Speaker 1>tell it all. Yeah. And I I believe I believe her.

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<v Speaker 1>I believe Mega Stallion. I've been saying that we didn't

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<v Speaker 1>talked about this you at last. I want to believe her.

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<v Speaker 1>I will. I want desperately to believe her. But I

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<v Speaker 1>just still, you know, it's just so much stuff that like,

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<v Speaker 1>first it was like glass, then it was a shooting,

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<v Speaker 1>and it's just too many different stories. She got hit

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<v Speaker 1>by bullet, then the fact that her and her best

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<v Speaker 1>friends are no longer best friends after this just seems

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<v Speaker 1>like some fishy ship going on. Well, did you see

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<v Speaker 1>where somebody I don't know who E was trying to

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<v Speaker 1>pay the home girl or Meg to be quiet for

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<v Speaker 1>a million dollars. Tory offered one million to keep silent.

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<v Speaker 1>So was did he? Everybody gave the home girl a

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<v Speaker 1>million dollars to be quiet? Mega, just says Tory lays

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<v Speaker 1>offered her and Kelsey one million for their silence on

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<v Speaker 1>the shooting. Damn, I would have took it. Maybe her

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<v Speaker 1>home girl did take it. You see what I'm saying.

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<v Speaker 1>Maybe her home girl did take it. So now you

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<v Speaker 1>just left your best friend. You know you've known way

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<v Speaker 1>before the fame. You left her out hanging to get

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<v Speaker 1>on her level. You see what I'm saying. I would

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<v Speaker 1>never That's why I always say, man, integrity is a

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<v Speaker 1>lifelong commitment, because I'd never do that to one of

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<v Speaker 1>my friends. Fuck that nigga, Like he got to go

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<v Speaker 1>to jail, because regardless of what if, even if it

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<v Speaker 1>wasn't a direct bullet, like I said, she didn't have

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<v Speaker 1>a gun, there was a weapon on the scene, and

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<v Speaker 1>she's the only one that got hurt. What does that say?

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<v Speaker 1>She said he was hanging out the car window shooting

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<v Speaker 1>at her feet. Do y'all know what fragments are. He

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<v Speaker 1>didn't say that, she didn't. It wasn't a bullet. She

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<v Speaker 1>might have thought it was glass initially, you know what

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<v Speaker 1>I'm saying. It could have recocheted off the concrete. It

0:11:58.480 --> 0:12:01.520
<v Speaker 1>could have been pieces of concrete in her foot, anything.

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<v Speaker 1>But she's happening when yeah, oh yeah, yeah yeah, And

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<v Speaker 1>it wasn't herd I called the police. It was bystanders

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<v Speaker 1>that heard gunshots. What are we talking about? But when

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<v Speaker 1>a black woman say somebody heard them, nobody, nobody fucking cares.

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<v Speaker 1>And that's that's what this is given to me. It's

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<v Speaker 1>just what it's obviously because in the court of public opinion,

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<v Speaker 1>Mega Stallion is a liar. There's a lot of women

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<v Speaker 1>who think she's a liar, and it's a lot of

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<v Speaker 1>men who think she's a liar. When she initially said

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<v Speaker 1>she didn't even want to say nothing because she didn't

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<v Speaker 1>want to get him in trouble. Still, yeah, I don't

0:12:41.400 --> 0:12:43.720
<v Speaker 1>think she I don't know what to think. I can't

0:12:43.720 --> 0:12:46.439
<v Speaker 1>say I exactly stand with Meg, just because of how

0:12:46.440 --> 0:12:49.440
<v Speaker 1>many different stories came out in the beginning. But I

0:12:49.520 --> 0:12:51.880
<v Speaker 1>don't I can't say that I stand with Tori either.

0:12:51.960 --> 0:12:54.800
<v Speaker 1>I just I'm still waiting to hear the full details

0:12:54.800 --> 0:12:59.760
<v Speaker 1>of what happened before I make pass any judgment on anybody. Well,

0:12:59.760 --> 0:13:02.640
<v Speaker 1>I don't want to pass judgment at all, but I'm

0:13:02.720 --> 0:13:05.120
<v Speaker 1>never gonna. I want to say I want victim blame,

0:13:06.840 --> 0:13:09.120
<v Speaker 1>but I'm not victim blaming. You know what I'm saying.

0:13:09.120 --> 0:13:12.360
<v Speaker 1>We know people lies sometimes, we know people make stories up.

0:13:12.880 --> 0:13:14.839
<v Speaker 1>We know we know that type of ship happens. But

0:13:14.960 --> 0:13:18.600
<v Speaker 1>I have seen her story be consistent. I didn't see her.

0:13:18.679 --> 0:13:21.560
<v Speaker 1>I mean, she never confirmed or denied a relationship with

0:13:21.640 --> 0:13:24.960
<v Speaker 1>him at all either. So I don't know. I hope

0:13:25.120 --> 0:13:27.400
<v Speaker 1>um oh. And another thing I want to add, so

0:13:27.480 --> 0:13:29.440
<v Speaker 1>Tory he has he has that he has had to

0:13:29.480 --> 0:13:32.760
<v Speaker 1>pay two different bonds. If he was a regular nigga,

0:13:32.880 --> 0:13:34.880
<v Speaker 1>he would have sat in jail with these charges. He

0:13:35.040 --> 0:13:39.240
<v Speaker 1>only got out because he has the means to yeah,

0:13:39.320 --> 0:13:43.959
<v Speaker 1>you're right, and then outside like posting pictures with her

0:13:44.000 --> 0:13:47.160
<v Speaker 1>ops and stuff like that, making making funny songs and

0:13:47.160 --> 0:13:53.200
<v Speaker 1>ship like boy. Yeah, I don't know. By Ola Davis,

0:13:53.679 --> 0:13:58.920
<v Speaker 1>she did a Netflix special event with Oprah and she

0:13:59.040 --> 0:14:02.880
<v Speaker 1>spoke on her childhood, you know, hardships and growing up

0:14:02.920 --> 0:14:08.600
<v Speaker 1>knowing she was pooring she was so beautiful on there. Yeah,

0:14:08.679 --> 0:14:12.120
<v Speaker 1>she looked good, and she lived in a home with

0:14:12.320 --> 0:14:16.559
<v Speaker 1>rats and without utilities like gas and electricity, and she

0:14:16.800 --> 0:14:18.960
<v Speaker 1>would spent a lot of time being hungry as a kid.

0:14:20.520 --> 0:14:22.280
<v Speaker 1>That's a lot of story. You know a lot of

0:14:22.320 --> 0:14:25.840
<v Speaker 1>people's story, I know. Yeah. And you know, as kids

0:14:25.880 --> 0:14:28.840
<v Speaker 1>like in school and stuff, you never know, we've always

0:14:28.840 --> 0:14:33.880
<v Speaker 1>had like the little stink kids in school or you

0:14:33.960 --> 0:14:35.600
<v Speaker 1>used to be one of them, bitches making fun of

0:14:35.600 --> 0:14:41.280
<v Speaker 1>the not true. I distinctively remember a super stint white

0:14:41.280 --> 0:14:44.080
<v Speaker 1>boy who was in in my class, and he had

0:14:44.160 --> 0:14:48.240
<v Speaker 1>like a mullet mohawk type haircut, and he would smell

0:14:48.440 --> 0:14:52.880
<v Speaker 1>like fresh do too every day. I never said anything

0:14:52.880 --> 0:14:54.960
<v Speaker 1>like people would rag on him all day every day.

0:14:55.040 --> 0:14:57.200
<v Speaker 1>I never would tease him, but I watched people tease

0:14:57.280 --> 0:15:03.240
<v Speaker 1>other people all the time, like I never nah. I

0:15:03.280 --> 0:15:07.960
<v Speaker 1>mean maybe maybe like maybe not him in particular, but

0:15:08.000 --> 0:15:11.160
<v Speaker 1>I have defended people before, like y'all leave that motherfuck alone,

0:15:11.200 --> 0:15:13.760
<v Speaker 1>you know what I'm saying. But I would tease people

0:15:13.800 --> 0:15:15.520
<v Speaker 1>I know that could tease back, like I like to

0:15:15.520 --> 0:15:19.120
<v Speaker 1>go back and forth, like if you ain't gonna defend yourself,

0:15:19.120 --> 0:15:21.800
<v Speaker 1>I'm not about to just be beating you down. But

0:15:21.880 --> 0:15:24.720
<v Speaker 1>you know, as kids, you don't realize the struggles like

0:15:24.840 --> 0:15:27.000
<v Speaker 1>students go through, Like some of them, the only meal

0:15:27.040 --> 0:15:29.200
<v Speaker 1>they get would be the one they have at school.

0:15:29.760 --> 0:15:31.880
<v Speaker 1>You know what I'm saying, Like, like once you get

0:15:31.920 --> 0:15:33.920
<v Speaker 1>to be an adult and you see the struggles adults have,

0:15:34.040 --> 0:15:36.880
<v Speaker 1>like you realize like kids being that struggle. These kids

0:15:36.880 --> 0:15:39.280
<v Speaker 1>be living in a car with their parents, not able

0:15:39.320 --> 0:15:43.200
<v Speaker 1>to wash their school uniform every day. So I don't know,

0:15:43.240 --> 0:15:45.680
<v Speaker 1>I don't know how you teach kids. I mean a

0:15:45.760 --> 0:15:51.080
<v Speaker 1>little motherfucking people are mean. Yeah I was a mean girl,

0:15:51.120 --> 0:15:54.440
<v Speaker 1>but to people who like to understand like the hardships

0:15:54.480 --> 0:15:59.480
<v Speaker 1>of children and adults, and they just don't care, you know. Yeah.

0:15:59.720 --> 0:16:04.080
<v Speaker 1>It's she also uh not not necessarily on this uh

0:16:04.280 --> 0:16:09.600
<v Speaker 1>Netflix special, but she did discuss wanting a big black man.

0:16:09.760 --> 0:16:12.680
<v Speaker 1>Was that on there? Yes, she was manifesting her husband

0:16:12.760 --> 0:16:16.240
<v Speaker 1>child from the South, and that's what she got. Big

0:16:16.280 --> 0:16:20.520
<v Speaker 1>black man from the South who loved God, uh, who

0:16:20.640 --> 0:16:24.120
<v Speaker 1>was athletic, so he was he was a retired football player,

0:16:24.720 --> 0:16:26.760
<v Speaker 1>So she got exactly what he wanted. Like I know,

0:16:26.800 --> 0:16:29.400
<v Speaker 1>people always tell us a manifest manifest sorry, so she

0:16:29.480 --> 0:16:33.360
<v Speaker 1>got exactly what she wanted. So people always talk about manifesting, right,

0:16:33.680 --> 0:16:36.880
<v Speaker 1>but you gotta be real specific. You see how specific

0:16:36.960 --> 0:16:42.600
<v Speaker 1>she was when where he was, from his bill, what

0:16:42.600 --> 0:16:44.840
<v Speaker 1>what type of man he was, all those things and

0:16:44.880 --> 0:16:46.720
<v Speaker 1>what she asked for. But I feel like a lot

0:16:46.760 --> 0:16:50.360
<v Speaker 1>I've been listening. I've been very specific. God, if you

0:16:50.480 --> 0:16:53.520
<v Speaker 1>hear me, you wrote it down, though, Yeah, I wrote

0:16:53.520 --> 0:16:57.800
<v Speaker 1>it down. This in my Bible, This in paper in

0:16:57.840 --> 0:17:01.440
<v Speaker 1>the Bible. So we're gonna see y'all gonna bear witness

0:17:01.960 --> 0:17:04.440
<v Speaker 1>to this beautiful black man. That guy gonna see me

0:17:05.000 --> 0:17:09.320
<v Speaker 1>this year. God, what if he like a little ugly?

0:17:10.640 --> 0:17:12.640
<v Speaker 1>You know, I've done a little I've done a lot

0:17:12.680 --> 0:17:17.600
<v Speaker 1>of ugly, so I should do a little ugly. I

0:17:17.600 --> 0:17:20.400
<v Speaker 1>don't like my man being as finest me though. So

0:17:20.560 --> 0:17:22.640
<v Speaker 1>on the piece of paper in the Bible, did you

0:17:22.680 --> 0:17:26.879
<v Speaker 1>put anything about penis size in there? I did not,

0:17:28.720 --> 0:17:32.920
<v Speaker 1>So there you got a lot of money size. Penis

0:17:32.960 --> 0:17:37.119
<v Speaker 1>size is not like a big thing for me. Like

0:17:37.440 --> 0:17:40.240
<v Speaker 1>I don't need like the biggest dick. Maga, Like I mean,

0:17:40.400 --> 0:17:42.120
<v Speaker 1>do I want? I don't. First of all, I don't

0:17:42.160 --> 0:17:45.439
<v Speaker 1>like really big dicks. Anyway, he got like a humongous dick,

0:17:45.560 --> 0:17:47.600
<v Speaker 1>Like that's just not even like that hurts. I can't

0:17:47.600 --> 0:17:50.480
<v Speaker 1>do that all the time. I want a I want

0:17:50.480 --> 0:18:01.879
<v Speaker 1>the baby or porch, big, the medium size, the hamburgers.

0:18:04.480 --> 0:18:05.960
<v Speaker 1>I did not add that. I don't know if I

0:18:06.000 --> 0:18:07.919
<v Speaker 1>want to like talk about dick and put it in

0:18:07.960 --> 0:18:13.400
<v Speaker 1>my bible, like you gotta be specific, gotta be specific. Well,

0:18:13.400 --> 0:18:17.280
<v Speaker 1>you can just say you don't want a good lover. Yeah, okay, Yeah,

0:18:17.320 --> 0:18:20.320
<v Speaker 1>that's that's what it's about for me, not the It's

0:18:20.359 --> 0:18:24.320
<v Speaker 1>not about the size of the boat. It's the motion

0:18:24.400 --> 0:18:32.240
<v Speaker 1>and the ocean. Alright, real quick, there was a train

0:18:32.320 --> 0:18:36.359
<v Speaker 1>on TikTok where black women with their white boyfriends calling

0:18:36.359 --> 0:18:42.800
<v Speaker 1>them master. Have you seen that? What? I don't see

0:18:42.840 --> 0:18:46.239
<v Speaker 1>a couple of black guys too, But why would It's like,

0:18:46.560 --> 0:18:48.920
<v Speaker 1>you know what my first thought was, did somebody take

0:18:48.960 --> 0:18:51.520
<v Speaker 1>the time to pull out all these different interracial couples

0:18:51.520 --> 0:18:56.399
<v Speaker 1>and then put that put that audience the pictures. You

0:18:56.400 --> 0:19:00.600
<v Speaker 1>can't couples are doing it themselves, and and you know

0:19:00.680 --> 0:19:08.320
<v Speaker 1>they think it's funny, like master, that's it's a jokey joke.

0:19:08.760 --> 0:19:11.800
<v Speaker 1>You know. You see you see how those black women look,

0:19:12.680 --> 0:19:15.600
<v Speaker 1>and that they look like the type of bitches that

0:19:15.640 --> 0:19:19.440
<v Speaker 1>would be in a tetop calling that white boyfriend they masters,

0:19:19.800 --> 0:19:24.840
<v Speaker 1>what the fucking nappylieve out? Get get your life, your bigs?

0:19:29.440 --> 0:19:33.560
<v Speaker 1>Just crazy. Yeah, I didn't think that, you know, but

0:19:33.640 --> 0:19:38.760
<v Speaker 1>to Eastern own maybe if you have like a fucking

0:19:39.200 --> 0:19:44.400
<v Speaker 1>slavery fantasy with your wife, master, that's your thing, girl,

0:19:44.720 --> 0:19:47.240
<v Speaker 1>Just dumb, Where where's your daddy? You don't have to

0:19:47.240 --> 0:19:49.760
<v Speaker 1>post it though, that's your thing. Do it privately. That's

0:19:49.800 --> 0:19:53.399
<v Speaker 1>insulting to all black women everywhere. Girl, Everything that's not

0:19:53.520 --> 0:19:55.439
<v Speaker 1>belonged on the internet. And that's why, that's why we

0:19:55.520 --> 0:20:02.760
<v Speaker 1>have stupid internet. Sew. Thank you for content, you dumb nap. Yeah, alright,

0:20:02.800 --> 0:20:10.560
<v Speaker 1>I'm sorry, I'm sorry. Shame. Yeah, but let'sten. We got

0:20:10.560 --> 0:20:14.560
<v Speaker 1>a super dope guest on. We talked back today helping

0:20:14.680 --> 0:20:20.240
<v Speaker 1>y'all bitches and us bitches get our lives together. Y'all

0:20:20.280 --> 0:20:28.800
<v Speaker 1>stay tuned. All right, y'all listen. So we started this

0:20:28.880 --> 0:20:30.840
<v Speaker 1>year off a little bit different for season two and

0:20:30.880 --> 0:20:34.080
<v Speaker 1>we talked back. Um first few episodes is kind of

0:20:34.119 --> 0:20:39.239
<v Speaker 1>dedicated to our goals, which I believe we share a

0:20:39.240 --> 0:20:41.159
<v Speaker 1>lot of the same goals. You want to lose weight.

0:20:41.280 --> 0:20:44.919
<v Speaker 1>We talked about finances, real estate people, We had come on, uh,

0:20:45.040 --> 0:20:50.360
<v Speaker 1>what else did we do tam um friendship? We had

0:20:50.400 --> 0:20:56.920
<v Speaker 1>friendship goals also, right, so um, yeah, we were trying

0:20:56.960 --> 0:20:59.680
<v Speaker 1>to get back to that. Yes, okay, So we're trying

0:20:59.720 --> 0:21:02.720
<v Speaker 1>to get back to helping everybody at ourselves with our

0:21:03.200 --> 0:21:06.919
<v Speaker 1>new Year's resolution. So look, we're talking that today, not

0:21:07.160 --> 0:21:11.520
<v Speaker 1>just any that. We're talking student loan that, y'all. Okay,

0:21:11.760 --> 0:21:13.760
<v Speaker 1>because I know, y'all bitches broke like me from the

0:21:13.920 --> 0:21:19.720
<v Speaker 1>student Loans exactly, y'all. We got the CEO of the

0:21:20.040 --> 0:21:25.360
<v Speaker 1>Student Loan Doctor LLC and self proclaimed overdraft Queen Sonya

0:21:25.440 --> 0:21:32.000
<v Speaker 1>Lewis talk back. Hey girl, Hey ladies, Well I want

0:21:32.000 --> 0:21:34.600
<v Speaker 1>to say former overdraft queen I've been working for No.

0:21:34.720 --> 0:21:41.280
<v Speaker 1>We know that. We already know. Yeah, so why are

0:21:41.280 --> 0:21:45.120
<v Speaker 1>you doing, Sonya? Tell our listeners about you. I'm good.

0:21:45.119 --> 0:21:48.480
<v Speaker 1>I'm good. I'm checking in from Miami, Florida and my

0:21:48.600 --> 0:21:53.600
<v Speaker 1>favoring police on Earth. Um. I moved here recently because

0:21:53.680 --> 0:21:56.639
<v Speaker 1>it was just way too cool in Philly and I

0:21:56.800 --> 0:21:58.679
<v Speaker 1>was just it was it was just a joke to

0:21:58.720 --> 0:22:02.240
<v Speaker 1>come down here, guys. And then what happened was I

0:22:02.280 --> 0:22:05.760
<v Speaker 1>loved it and I kept extending my Airbnb. Now I'm

0:22:05.760 --> 0:22:09.280
<v Speaker 1>looking at apartments. Then I went brought a Lamborghini. Like

0:22:09.359 --> 0:22:12.280
<v Speaker 1>life just kept it really really pass and I think

0:22:12.280 --> 0:22:14.400
<v Speaker 1>I just got caught up. I'm not gonna lie. I'm

0:22:14.400 --> 0:22:18.080
<v Speaker 1>real caught up these days. But I'm having fun and

0:22:18.119 --> 0:22:20.560
<v Speaker 1>teaching and helping people get out of student love them

0:22:20.600 --> 0:22:23.280
<v Speaker 1>at the same time. UM so yeah, so what do

0:22:23.320 --> 0:22:24.920
<v Speaker 1>you guys want to start? When I was real broke

0:22:25.080 --> 0:22:29.040
<v Speaker 1>or like now I'm because likening you got started with,

0:22:30.359 --> 0:22:33.080
<v Speaker 1>you know, helping people with student loans in this industry. Yeah,

0:22:33.119 --> 0:22:36.199
<v Speaker 1>how did you start the student loan doctor? Yeah, I

0:22:36.280 --> 0:22:38.320
<v Speaker 1>was real broke, and so I just want to, you know,

0:22:38.400 --> 0:22:41.920
<v Speaker 1>emphasize that. Um. I was living like beyond check the check,

0:22:42.560 --> 0:22:47.159
<v Speaker 1>like overdraft to overdraft and then some like almost had

0:22:47.200 --> 0:22:49.600
<v Speaker 1>my account closed a few times, but guy stepped in

0:22:50.119 --> 0:22:52.399
<v Speaker 1>and then I was like, you gotta get your money right,

0:22:52.440 --> 0:22:55.359
<v Speaker 1>like you don't have to live like this, and so, um,

0:22:55.400 --> 0:22:58.479
<v Speaker 1>I took a financial literacy class at church, and then

0:22:58.520 --> 0:23:01.920
<v Speaker 1>I started helping people at the church understanding to the

0:23:02.000 --> 0:23:05.720
<v Speaker 1>loan that because that's my professional background. And then people

0:23:05.760 --> 0:23:09.280
<v Speaker 1>started trying to send their cousins and their family members

0:23:09.760 --> 0:23:12.119
<v Speaker 1>and I didn't even hear from the from the Lord,

0:23:12.280 --> 0:23:15.160
<v Speaker 1>I still haven't heard this message to do the work

0:23:15.200 --> 0:23:19.520
<v Speaker 1>for free. So I'm like, okay, he's not gonna I

0:23:19.480 --> 0:23:22.280
<v Speaker 1>ain't never heard it. So I started meeting people at

0:23:22.280 --> 0:23:24.679
<v Speaker 1>the corner of bakery. Now have you ever been to

0:23:24.680 --> 0:23:32.880
<v Speaker 1>the corner bakery before? No? Okay, Cozy's like any any bakery. Okay, Well,

0:23:32.920 --> 0:23:35.359
<v Speaker 1>you know in the bakery, you gotta find the spot

0:23:35.440 --> 0:23:41.320
<v Speaker 1>next to the plug, like yes, the stocking. And so

0:23:41.560 --> 0:23:43.840
<v Speaker 1>what I had to do was I would go to

0:23:43.880 --> 0:23:46.880
<v Speaker 1>work every day, I would run to the corner bakery

0:23:47.320 --> 0:23:50.480
<v Speaker 1>and I would get the corner roof with the socket. Now,

0:23:50.480 --> 0:23:52.760
<v Speaker 1>in order to secure this spot, I had to flirt

0:23:52.800 --> 0:23:57.040
<v Speaker 1>for it. You know, I still owe somebody a date,

0:23:57.080 --> 0:24:00.560
<v Speaker 1>but I'm never gonna catch it in. So you know,

0:24:00.600 --> 0:24:03.000
<v Speaker 1>we got do some strange things to start your business. Okay,

0:24:03.119 --> 0:24:10.280
<v Speaker 1>So that man I haven't heard about heard because I'm not.

0:24:11.680 --> 0:24:14.280
<v Speaker 1>You know, I'm excited to that to say I never

0:24:14.359 --> 0:24:19.720
<v Speaker 1>did that, But I feel like he was gonna cash

0:24:19.800 --> 0:24:23.879
<v Speaker 1>it on something, soons I had to get office. It

0:24:24.000 --> 0:24:26.840
<v Speaker 1>was getting real weird because he would put this like

0:24:26.960 --> 0:24:29.640
<v Speaker 1>reserve sign. I've never seen reserve side and a free

0:24:29.640 --> 0:24:33.440
<v Speaker 1>bakery before. Again, I know he made that sign for you.

0:24:33.840 --> 0:24:36.080
<v Speaker 1>He did. It was a little homemade, but we gotta

0:24:36.200 --> 0:24:40.879
<v Speaker 1>just look at his heart. So pretty short. Um, I

0:24:40.960 --> 0:24:43.640
<v Speaker 1>was telling people at the degree and I was charging,

0:24:43.680 --> 0:24:45.880
<v Speaker 1>like when I get a little pai more than at

0:24:45.880 --> 0:24:49.080
<v Speaker 1>the job, I'm like this my ghost nowhere. So I

0:24:49.119 --> 0:24:52.840
<v Speaker 1>started taking off work and open up my calendar and

0:24:52.880 --> 0:24:56.080
<v Speaker 1>then people just started making their appointments and paying their money.

0:24:56.280 --> 0:24:58.600
<v Speaker 1>So I'm like, okay, let me see what would happen

0:24:59.000 --> 0:25:01.879
<v Speaker 1>if I took a week off. And so basically what

0:25:01.920 --> 0:25:04.280
<v Speaker 1>I was doing is meeting with people, going over their

0:25:04.280 --> 0:25:07.200
<v Speaker 1>student on debt with them, you know, breaking down the numbers,

0:25:07.240 --> 0:25:10.600
<v Speaker 1>talking about repayment plans, forgiveness, and I would help them

0:25:10.640 --> 0:25:13.359
<v Speaker 1>call their lender. You know. They would talk of course,

0:25:13.400 --> 0:25:16.560
<v Speaker 1>and we would set things up and it just really, guys,

0:25:16.640 --> 0:25:20.199
<v Speaker 1>it blew up. In two thousand and eighteen, Um the

0:25:20.320 --> 0:25:22.600
<v Speaker 1>Shade Room. Her name is Misha. She used to work

0:25:22.600 --> 0:25:25.479
<v Speaker 1>for the Shade PROMP. She called me. It was like,

0:25:25.560 --> 0:25:28.119
<v Speaker 1>tell me your story because I had posted something around

0:25:28.119 --> 0:25:31.520
<v Speaker 1>Black History Time Black History Mother in February and she

0:25:31.680 --> 0:25:33.480
<v Speaker 1>was like, oh, I love it. She's like, I'm gonna

0:25:33.680 --> 0:25:36.080
<v Speaker 1>I'm gonna post it now. I'm gonna be honest with you,

0:25:36.160 --> 0:25:38.080
<v Speaker 1>I didn't know what the shade room was at the

0:25:38.119 --> 0:25:40.720
<v Speaker 1>time or what it could do, like the power of

0:25:40.760 --> 0:25:45.320
<v Speaker 1>the shade room, but that took our business from I

0:25:45.359 --> 0:25:48.840
<v Speaker 1>would say, like a high five take your business to

0:25:49.280 --> 0:25:53.399
<v Speaker 1>a six figure now seventh figure business. So I really

0:25:53.400 --> 0:25:56.080
<v Speaker 1>do credit just social media for blowing it all the

0:25:56.080 --> 0:25:59.639
<v Speaker 1>way up because so many people, particularly black women, need

0:25:59.720 --> 0:26:02.280
<v Speaker 1>help student loan debt. I'm a black woman and they're

0:26:02.320 --> 0:26:04.680
<v Speaker 1>able to identify and then you know, we go from there.

0:26:04.720 --> 0:26:08.800
<v Speaker 1>So yeah, that's dope. That is very dope because listen,

0:26:08.920 --> 0:26:11.879
<v Speaker 1>everybody we know. I don't know anybody who doesn't have

0:26:11.960 --> 0:26:14.159
<v Speaker 1>student loan debt unless they just even people who just

0:26:14.200 --> 0:26:16.120
<v Speaker 1>went to a tech school or something like that. That That everybody,

0:26:17.000 --> 0:26:20.320
<v Speaker 1>we're student loan debt um. And I was telling Tam

0:26:20.359 --> 0:26:23.400
<v Speaker 1>earlier that black women like, yeah, we got the most degrees,

0:26:23.480 --> 0:26:26.520
<v Speaker 1>we got the doctorate degrees, all the ship dhds, but

0:26:26.600 --> 0:26:29.119
<v Speaker 1>we go into relationships with a lot of debt that

0:26:29.240 --> 0:26:32.880
<v Speaker 1>maybe our male counterparts and don't come with m Well,

0:26:32.920 --> 0:26:35.199
<v Speaker 1>we could talk about that because I do what I

0:26:35.240 --> 0:26:38.240
<v Speaker 1>call late night series on my page and we start

0:26:38.280 --> 0:26:40.720
<v Speaker 1>talking at the tipping him the kids to sleep, if

0:26:40.760 --> 0:26:42.920
<v Speaker 1>I say, you know, I started talking to me in

0:26:43.280 --> 0:26:46.520
<v Speaker 1>mentor women about like the debt, particularly they're student loan

0:26:46.600 --> 0:26:49.640
<v Speaker 1>debt could be affecting their relationships and the quality there.

0:26:50.480 --> 0:26:52.480
<v Speaker 1>Like you, you're laying next to this nigger, you like,

0:26:52.520 --> 0:26:54.960
<v Speaker 1>you don't even like him, but you in the struggle,

0:26:55.080 --> 0:26:57.679
<v Speaker 1>You're in the hardship. So you might be dating people

0:26:58.200 --> 0:27:01.800
<v Speaker 1>entertaining people. You know what if you weren't broke based

0:27:01.840 --> 0:27:07.439
<v Speaker 1>on yes and self esteem and circumstance, I would you selfuesteem?

0:27:07.440 --> 0:27:10.639
<v Speaker 1>You might think that, but your money got you in

0:27:10.680 --> 0:27:17.439
<v Speaker 1>this location with Gertrude, ugly Gertrude, like a woman that

0:27:17.520 --> 0:27:23.159
<v Speaker 1>sounds like an ugly nig. Somebody Gertrude, that ain't a

0:27:23.200 --> 0:27:28.600
<v Speaker 1>woman's name. Give the sex in this case? Wait, wait,

0:27:28.640 --> 0:27:30.600
<v Speaker 1>we don't know what people doing strange these days could

0:27:30.600 --> 0:27:33.640
<v Speaker 1>be you're a sex I don't know. Pointed people are

0:27:33.720 --> 0:27:36.880
<v Speaker 1>with people because they can't afford the lifestyle they want.

0:27:37.000 --> 0:27:38.800
<v Speaker 1>And you know, I think students are a big part

0:27:38.800 --> 0:27:41.239
<v Speaker 1>of it. It may never say it, but they know,

0:27:43.160 --> 0:27:47.280
<v Speaker 1>all right, what advice would you give students when they're

0:27:47.280 --> 0:27:51.360
<v Speaker 1>applying for loans versus you know already in debt? So

0:27:51.520 --> 0:27:56.200
<v Speaker 1>I so I have a philosophy, So borrowing determination equals

0:27:56.240 --> 0:28:01.399
<v Speaker 1>career compensation, meaning you should only borrow your career is

0:28:01.440 --> 0:28:05.439
<v Speaker 1>expected to pay back times too. So for example, a

0:28:05.440 --> 0:28:08.679
<v Speaker 1>lot of our students, particularly our black students, go to

0:28:08.800 --> 0:28:12.080
<v Speaker 1>schools that are not affordable. And I love our HBCUTH,

0:28:12.160 --> 0:28:16.280
<v Speaker 1>I really do. But the challenges when you're saying that

0:28:16.359 --> 0:28:19.240
<v Speaker 1>you want to go to school in school called sixty

0:28:19.280 --> 0:28:23.000
<v Speaker 1>thousand a year, but your financial aid is only twenty thousand,

0:28:23.440 --> 0:28:27.119
<v Speaker 1>where is that forty cople from? And so then what

0:28:27.240 --> 0:28:30.119
<v Speaker 1>happens is your mom. Let's say your mom is in

0:28:30.200 --> 0:28:33.359
<v Speaker 1>her forties, fifties, she got her credit together at this point.

0:28:33.440 --> 0:28:36.560
<v Speaker 1>Right now mom has to leverage her credit for a

0:28:36.600 --> 0:28:40.440
<v Speaker 1>private loan, apparent plus loan, or pull equity out of

0:28:40.480 --> 0:28:43.480
<v Speaker 1>her home. So then the cycle of debt starts all

0:28:43.560 --> 0:28:46.480
<v Speaker 1>over again when mom just got out at age forty

0:28:46.520 --> 0:28:50.160
<v Speaker 1>and fifty maybe from her own student a day. So

0:28:50.200 --> 0:28:52.360
<v Speaker 1>it's really a real cycle. So I often when I

0:28:52.400 --> 0:28:54.640
<v Speaker 1>talked to students in the high school setting, I try

0:28:54.680 --> 0:28:58.200
<v Speaker 1>to set realistic expectations about college costs. I'm like, if

0:28:58.200 --> 0:29:00.840
<v Speaker 1>you need to go to community, it's a kay first.

0:29:00.840 --> 0:29:04.000
<v Speaker 1>So here's the big heck. The same professors that teach

0:29:04.000 --> 0:29:07.360
<v Speaker 1>at the community college teach at the four year institutions.

0:29:07.600 --> 0:29:09.800
<v Speaker 1>They're just on a different day at a different price.

0:29:10.080 --> 0:29:13.800
<v Speaker 1>That's number one. Number two. The other thing is we

0:29:13.840 --> 0:29:15.920
<v Speaker 1>have to start looking at our state schools. Our state

0:29:15.960 --> 0:29:19.560
<v Speaker 1>schools are really nice, they're really well funded, but nobody

0:29:19.600 --> 0:29:21.360
<v Speaker 1>wants to go to the state school They want to

0:29:21.360 --> 0:29:25.440
<v Speaker 1>go to the bigger schools, private institutions. And then when

0:29:25.440 --> 0:29:29.400
<v Speaker 1>we see students leaving with eighty thousand, one hundred thousand

0:29:29.800 --> 0:29:33.240
<v Speaker 1>and student loan debt for a bachelor's degree, now you

0:29:33.280 --> 0:29:36.160
<v Speaker 1>can't get no home again, depend on where you want

0:29:36.160 --> 0:29:38.120
<v Speaker 1>to live, the type of job, and your car not.

0:29:38.360 --> 0:29:40.800
<v Speaker 1>Is like, it's like so many things that are impacted

0:29:40.800 --> 0:29:43.480
<v Speaker 1>by those four years. Yeah, you know, I don't. I

0:29:43.480 --> 0:29:47.440
<v Speaker 1>don't even feel like student loans actually exist. I mean

0:29:47.480 --> 0:29:51.480
<v Speaker 1>because no, I mean, I know they exist. But what

0:29:51.520 --> 0:29:55.600
<v Speaker 1>I'm saying is, can our economy, can our government actually

0:29:55.680 --> 0:29:57.600
<v Speaker 1>pay for every person who goes to fill out of

0:29:57.680 --> 0:30:00.600
<v Speaker 1>fast for and apply to college as to college and

0:30:00.640 --> 0:30:03.720
<v Speaker 1>get accepted to go to school. Is there really enough money?

0:30:03.720 --> 0:30:07.680
<v Speaker 1>Because suppose every every teenager goes to college, right, it's

0:30:07.720 --> 0:30:11.040
<v Speaker 1>really like a cash advance on your future paychecks. That's

0:30:11.040 --> 0:30:15.520
<v Speaker 1>how I see it. Does the money actually even exist? Yes?

0:30:15.600 --> 0:30:18.239
<v Speaker 1>And no, So let's talk about that. So here's the

0:30:18.240 --> 0:30:21.000
<v Speaker 1>thing everybody wants right now, the Biden administration to get

0:30:21.080 --> 0:30:23.000
<v Speaker 1>rid of to their own debt. But the reason why

0:30:23.000 --> 0:30:26.480
<v Speaker 1>that's not going to happen. Yeah, the reason why that's

0:30:26.520 --> 0:30:29.600
<v Speaker 1>probably not going to happen to me be positive, possibly

0:30:29.680 --> 0:30:32.640
<v Speaker 1>not going to be I've been here, is because there

0:30:32.840 --> 0:30:38.080
<v Speaker 1>is no solution to stop the new generation, your cousins

0:30:38.080 --> 0:30:40.560
<v Speaker 1>and your brothers, and your friends and family members from

0:30:40.600 --> 0:30:43.240
<v Speaker 1>taking on debt. So how are we going to eliminate

0:30:43.280 --> 0:30:46.280
<v Speaker 1>the existing debt? But we haven't even started, you know,

0:30:46.360 --> 0:30:49.120
<v Speaker 1>a solution for the problem for people going to school

0:30:49.120 --> 0:30:53.800
<v Speaker 1>to spring what this fall? So until we answer that question,

0:30:53.960 --> 0:30:56.400
<v Speaker 1>we can't answer the question of what to do if

0:30:56.440 --> 0:30:59.560
<v Speaker 1>you already have the debt. So just they're creating new debt.

0:30:59.600 --> 0:31:03.480
<v Speaker 1>It's like a circle. Yea. So it's like, yeah, and

0:31:03.920 --> 0:31:06.320
<v Speaker 1>here's the thing. I believe that the government could do

0:31:06.360 --> 0:31:09.320
<v Speaker 1>it because we have not paid student loans in two

0:31:09.440 --> 0:31:14.160
<v Speaker 1>years as a country. Did anybody die out, like maybe

0:31:14.160 --> 0:31:18.560
<v Speaker 1>anybody gave no life went away? And so because life

0:31:18.560 --> 0:31:21.800
<v Speaker 1>went on, it just goes to show you, it's possible.

0:31:22.160 --> 0:31:24.120
<v Speaker 1>It's just it's it's something. But let me just say this.

0:31:24.680 --> 0:31:26.280
<v Speaker 1>You know people hate when I talk like this. I

0:31:26.280 --> 0:31:30.040
<v Speaker 1>don't really here. If you were to eliminate student loan debt,

0:31:30.360 --> 0:31:32.960
<v Speaker 1>who is most disproportionately effective I still a loan debt.

0:31:33.560 --> 0:31:37.640
<v Speaker 1>I'll answer for you. Yeah, minorities, black people, particularly black women.

0:31:38.000 --> 0:31:40.280
<v Speaker 1>But you gotta remember still alan that is tied to

0:31:40.840 --> 0:31:45.160
<v Speaker 1>home ownerships, real estate investing. So you mean to tell

0:31:45.200 --> 0:31:48.120
<v Speaker 1>me you won't let the person in this country that's

0:31:48.160 --> 0:31:54.760
<v Speaker 1>most agreed be out here in these streets with no debt. Exactly. Yeah,

0:31:54.760 --> 0:31:57.320
<v Speaker 1>I don't even sound right out loud. So we got

0:31:57.360 --> 0:31:59.080
<v Speaker 1>for Nest, all right, we got for Nest, and well

0:31:59.120 --> 0:32:01.160
<v Speaker 1>I didn't, but a lot of people, a lot of

0:32:01.160 --> 0:32:03.720
<v Speaker 1>black people, particularly god Finesse in the last election because

0:32:03.720 --> 0:32:06.400
<v Speaker 1>they thought that Biden wouldn't want to come through and

0:32:06.440 --> 0:32:11.480
<v Speaker 1>just cancel student on debt or you said a certain amount. Yeah,

0:32:11.520 --> 0:32:15.120
<v Speaker 1>but again, yeah, politicians say a lot of things, and

0:32:15.200 --> 0:32:17.600
<v Speaker 1>oftentimes they don't deliver on the on the promises they

0:32:17.600 --> 0:32:20.640
<v Speaker 1>tell the people to get that vote. So what do

0:32:20.640 --> 0:32:22.840
<v Speaker 1>you think we can do distance as students, because I

0:32:22.880 --> 0:32:25.320
<v Speaker 1>know it affects maybe the millennials and gen Z the

0:32:25.360 --> 0:32:28.240
<v Speaker 1>most right, right, So we just got this big gas

0:32:28.280 --> 0:32:30.560
<v Speaker 1>weight over our heads for the rest of our lives

0:32:30.840 --> 0:32:33.080
<v Speaker 1>lives essentially because y'all, Nick is getting fired allars from

0:32:33.120 --> 0:32:36.880
<v Speaker 1>me every month for the rest of my life. You but, like,

0:32:37.400 --> 0:32:41.360
<v Speaker 1>what do we do to leverage leverage the vote in

0:32:41.400 --> 0:32:44.080
<v Speaker 1>the future and even from this current decision? You know

0:32:44.120 --> 0:32:46.840
<v Speaker 1>what I'm saying, Like, do we need to then lobby

0:32:48.200 --> 0:32:52.600
<v Speaker 1>gen Z and uh, millennials need the non lobby. I

0:32:52.680 --> 0:32:55.760
<v Speaker 1>do believe we do need to start holding these politicians,

0:32:56.000 --> 0:32:59.760
<v Speaker 1>particularly this administration, accountable, and we do that by with

0:33:00.000 --> 0:33:02.400
<v Speaker 1>old than our vote. We do that by lobbying. We

0:33:02.480 --> 0:33:04.720
<v Speaker 1>do that by being more vocal on the state level,

0:33:05.160 --> 0:33:07.280
<v Speaker 1>right because there's money and funding that could help, because

0:33:07.280 --> 0:33:11.160
<v Speaker 1>different states are creating different programs to get there Millennials

0:33:11.200 --> 0:33:13.800
<v Speaker 1>and gen Z out of debt. The other thing is too,

0:33:14.120 --> 0:33:16.640
<v Speaker 1>we are also not just wait on the government. And

0:33:16.680 --> 0:33:18.320
<v Speaker 1>so what I tell people is you don't have a

0:33:18.320 --> 0:33:21.719
<v Speaker 1>student loan problem. You have streams and income problem. And

0:33:21.760 --> 0:33:23.440
<v Speaker 1>people get a little offended when I say that, But

0:33:23.440 --> 0:33:25.680
<v Speaker 1>what I mean by that is is that you can't

0:33:25.680 --> 0:33:28.840
<v Speaker 1>rely on as a millennial or a gen Z to

0:33:29.080 --> 0:33:32.360
<v Speaker 1>just have one job that's gonna take care all your needs.

0:33:32.400 --> 0:33:35.480
<v Speaker 1>I've never seen it, like even if you make six figures,

0:33:36.040 --> 0:33:38.960
<v Speaker 1>you know, positive living has gone up. You need to

0:33:39.040 --> 0:33:43.080
<v Speaker 1>have your job pay for your bare expenses. But then

0:33:43.120 --> 0:33:46.320
<v Speaker 1>you need another stream, and it's a job stream of

0:33:46.360 --> 0:33:49.480
<v Speaker 1>income you can attach to your student loan debt. Particularly

0:33:49.520 --> 0:33:52.880
<v Speaker 1>for women. The psychology is men don't have as much

0:33:53.200 --> 0:33:56.240
<v Speaker 1>student loan debt because they like laser focus and get

0:33:56.320 --> 0:34:00.360
<v Speaker 1>rid of it right. Women do not separate student loan

0:34:00.440 --> 0:34:05.360
<v Speaker 1>debt from their other expenses, therefore not prioritizing it. So

0:34:05.440 --> 0:34:08.040
<v Speaker 1>I've been teaching women to say, hey, if you were

0:34:08.120 --> 0:34:12.160
<v Speaker 1>to start doing I'm making this up uber on the weekends, right,

0:34:12.640 --> 0:34:15.520
<v Speaker 1>that uber money goes straight to your student loan payment.

0:34:16.160 --> 0:34:18.840
<v Speaker 1>So a woman can can do something like that because

0:34:18.840 --> 0:34:20.680
<v Speaker 1>we're saying, okay, this is separate money. This is an

0:34:20.719 --> 0:34:22.960
<v Speaker 1>avenue for that money. So I think it's really just

0:34:23.000 --> 0:34:27.440
<v Speaker 1>about teaching people, you know, one to hold our administration accountable,

0:34:27.600 --> 0:34:30.920
<v Speaker 1>but to not just wait on them to do something.

0:34:31.320 --> 0:34:34.040
<v Speaker 1>What can you do with your gifts and talents that

0:34:34.200 --> 0:34:37.120
<v Speaker 1>you get paid for at your job and you know,

0:34:37.160 --> 0:34:40.320
<v Speaker 1>and and the word entrepreneurship can be scary for some people.

0:34:40.640 --> 0:34:43.200
<v Speaker 1>But what can you do to bring an additional income

0:34:43.640 --> 0:34:45.680
<v Speaker 1>to to live the life that you want to live.

0:34:46.120 --> 0:34:48.680
<v Speaker 1>I wish they could go ahead and fucking repossess my

0:34:48.719 --> 0:34:51.799
<v Speaker 1>motherfucking degree at where I put it out on the

0:34:51.840 --> 0:34:57.600
<v Speaker 1>curved fool exactly, I'm picking up. It's not well, you

0:34:57.640 --> 0:34:59.640
<v Speaker 1>know what, here's the things I got A few degrees.

0:35:00.080 --> 0:35:02.520
<v Speaker 1>I do better with this. I think that, you know,

0:35:02.719 --> 0:35:06.239
<v Speaker 1>having a college degree is um and honor, like, it

0:35:06.680 --> 0:35:09.560
<v Speaker 1>says something about you and it makes your family proud,

0:35:09.920 --> 0:35:14.760
<v Speaker 1>particularly because we are still um, not many generations away

0:35:14.840 --> 0:35:19.120
<v Speaker 1>from our parents and grandparents not having access to college. Right,

0:35:19.920 --> 0:35:22.400
<v Speaker 1>So let me just see my story, quick story. My

0:35:22.480 --> 0:35:25.440
<v Speaker 1>grandmother is um when she passed on. But she was

0:35:25.480 --> 0:35:29.840
<v Speaker 1>one of seven and so it's fine. She trust me.

0:35:29.880 --> 0:35:32.600
<v Speaker 1>She had a great life, so don't be short. Her

0:35:32.840 --> 0:35:36.000
<v Speaker 1>uncle had they were in South Carolina, had pulled them

0:35:36.000 --> 0:35:39.240
<v Speaker 1>all together, all seven of them, and said, you guys

0:35:39.280 --> 0:35:42.200
<v Speaker 1>need to vote which one is going to be sent

0:35:42.280 --> 0:35:45.760
<v Speaker 1>to college. Now, remember this is back in the fifties.

0:35:45.800 --> 0:35:49.879
<v Speaker 1>Ain't no financialating all that other stuff, right, So they

0:35:50.040 --> 0:35:53.239
<v Speaker 1>voted for forties or fifties at this time. I can't

0:35:53.239 --> 0:35:55.800
<v Speaker 1>remember them in the forties, they voted for my grandmother

0:35:55.920 --> 0:35:58.000
<v Speaker 1>to be the one to go to college, so she

0:35:58.040 --> 0:35:59.760
<v Speaker 1>went to college. She said it was a big burden

0:35:59.760 --> 0:36:02.719
<v Speaker 1>on her back to graduate because obviously, you know, she

0:36:02.840 --> 0:36:06.479
<v Speaker 1>got picked and he cash paid. So then she became

0:36:06.520 --> 0:36:09.239
<v Speaker 1>a school teacher. So then she made sure that the

0:36:09.320 --> 0:36:13.080
<v Speaker 1>rest of my uncles and my mom um went to

0:36:13.120 --> 0:36:16.840
<v Speaker 1>school or the military. So I grew up knowing only

0:36:16.920 --> 0:36:19.880
<v Speaker 1>one of two choices, and my family either had to

0:36:19.920 --> 0:36:22.920
<v Speaker 1>go to college or the military because that's what she

0:36:23.080 --> 0:36:25.520
<v Speaker 1>was told. So it was a lot of pressure from up.

0:36:26.040 --> 0:36:28.640
<v Speaker 1>In hindsight, when I think about, like all my gifts

0:36:28.640 --> 0:36:32.440
<v Speaker 1>and talents, do what I have needed to really go

0:36:32.520 --> 0:36:35.520
<v Speaker 1>to college. Like me personally, I've been hustling since I

0:36:35.560 --> 0:36:37.200
<v Speaker 1>was a little girl because I never wanted to ask

0:36:37.200 --> 0:36:39.359
<v Speaker 1>my mom for no money. I was doing all types

0:36:39.360 --> 0:36:42.480
<v Speaker 1>of stuff outside, making take carnival rides for dollars. You know,

0:36:42.760 --> 0:36:45.520
<v Speaker 1>I never wanted the world. You know, it's the story

0:36:45.560 --> 0:36:49.040
<v Speaker 1>for another day. But the point is I was always testling,

0:36:49.080 --> 0:36:50.799
<v Speaker 1>Like I would be the girl that would bag up

0:36:50.840 --> 0:36:53.600
<v Speaker 1>the candy. I had a little candy, and then you

0:36:53.880 --> 0:36:57.400
<v Speaker 1>I would buy them and rebag them because you know,

0:36:57.520 --> 0:36:59.319
<v Speaker 1>you should have went to the story that morning. That's

0:36:59.320 --> 0:37:02.600
<v Speaker 1>your fault. So but I got I got it for

0:37:02.680 --> 0:37:04.560
<v Speaker 1>you right now, I don't even know this, not even selling.

0:37:05.760 --> 0:37:12.840
<v Speaker 1>Let me find out she got that tapped on the candy. Listen,

0:37:12.920 --> 0:37:16.280
<v Speaker 1>I'm so glad my mom always a nice neighborhood because

0:37:16.520 --> 0:37:18.239
<v Speaker 1>you could have had me back something. Now, See how

0:37:18.760 --> 0:37:23.760
<v Speaker 1>acceptible I could have been, right opportunists? And I remember

0:37:23.840 --> 0:37:26.040
<v Speaker 1>I got caught in school with the kendy like I

0:37:26.080 --> 0:37:28.920
<v Speaker 1>had a book bag of kids, right, and the teacher

0:37:29.080 --> 0:37:31.440
<v Speaker 1>was like, wait, what are you doing? So it's I

0:37:31.440 --> 0:37:34.439
<v Speaker 1>gotta get out of this situation. So I was like,

0:37:34.760 --> 0:37:37.439
<v Speaker 1>I said, well listen, I was like, my mom looked

0:37:37.440 --> 0:37:39.120
<v Speaker 1>I hit him with I think my mom's the only

0:37:39.560 --> 0:37:41.799
<v Speaker 1>I was like, my mom's a single mom. I was like,

0:37:41.840 --> 0:37:44.480
<v Speaker 1>and I can't ask her for lunch this week. So

0:37:44.520 --> 0:37:46.840
<v Speaker 1>I had to sell my candy. Do you want to

0:37:46.880 --> 0:37:57.040
<v Speaker 1>buy some kiddy? Period? Hear me? We only had two

0:37:57.080 --> 0:37:59.160
<v Speaker 1>choices today, So what are we gonna do here? Stop?

0:37:59.920 --> 0:38:01.880
<v Speaker 1>Or it could be worser, could be worse. I was

0:38:01.920 --> 0:38:06.040
<v Speaker 1>telling something else some bad So anyway, the point is, um,

0:38:06.080 --> 0:38:08.960
<v Speaker 1>if if you if you think about that, like I

0:38:09.040 --> 0:38:12.800
<v Speaker 1>always was selling or creating some experience, right, I really

0:38:12.800 --> 0:38:15.879
<v Speaker 1>liked money, said I was little, Long city short. If

0:38:15.920 --> 0:38:20.640
<v Speaker 1>my mom had knew better and and if entrepreneurship is

0:38:20.680 --> 0:38:23.319
<v Speaker 1>what it is now, back then I could have just

0:38:23.520 --> 0:38:25.880
<v Speaker 1>you know, been a millionaire long time ago, you know.

0:38:26.719 --> 0:38:28.919
<v Speaker 1>So I'm gonna just forgive her for that, you know.

0:38:29.280 --> 0:38:31.680
<v Speaker 1>And I think that's what the new generation is leaning towards,

0:38:31.719 --> 0:38:34.360
<v Speaker 1>because we went to college because you know, some of

0:38:34.400 --> 0:38:36.680
<v Speaker 1>our parents didn't. I know, Tam, your parents went to college,

0:38:36.920 --> 0:38:38.560
<v Speaker 1>but my mom didn't go to college, So they're gonna

0:38:38.600 --> 0:38:41.600
<v Speaker 1>push you out here. But now our generation is leading,

0:38:41.719 --> 0:38:46.560
<v Speaker 1>leaning more towards ownership entrepreneurships. I feel like the newer kids,

0:38:46.600 --> 0:38:49.800
<v Speaker 1>like the younger kids are going to like, yeah, you

0:38:49.840 --> 0:38:52.719
<v Speaker 1>can go to college, but maybe college isn't for you.

0:38:52.760 --> 0:38:54.680
<v Speaker 1>Like personally, I wish I would have went to college

0:38:54.760 --> 0:38:57.520
<v Speaker 1>later in life, like now you know what I'm saying,

0:38:57.520 --> 0:39:00.400
<v Speaker 1>Oh my my late twenties instead of like right all right,

0:39:00.680 --> 0:39:03.400
<v Speaker 1>right out of high school because I wasn't as focused,

0:39:03.880 --> 0:39:08.880
<v Speaker 1>so I wasted money. Well, definitely did two sophomore years.

0:39:09.280 --> 0:39:12.160
<v Speaker 1>Fucking off. You said you let you left out a

0:39:12.200 --> 0:39:14.920
<v Speaker 1>sophomore year, No I did. I did my sophomore year

0:39:14.960 --> 0:39:20.920
<v Speaker 1>twice because the first year I was outside Tuesday, Wednesday, Thursday, Friday, Saturday,

0:39:21.000 --> 0:39:25.759
<v Speaker 1>Sunday class, all right, here for class, and we both

0:39:26.600 --> 0:39:30.560
<v Speaker 1>exactly we both went to a private black HBCU that

0:39:30.880 --> 0:39:34.960
<v Speaker 1>at the time, that ship was eighteen thousand dollars a

0:39:35.040 --> 0:39:38.560
<v Speaker 1>semester a semester. It was so expensive, and I was

0:39:38.600 --> 0:39:41.120
<v Speaker 1>out there sucking off. I did not have no I'm

0:39:41.200 --> 0:39:43.359
<v Speaker 1>dying it was eighteen thousand a year at the time,

0:39:43.360 --> 0:39:46.200
<v Speaker 1>because I remember, like I'm looking at my awards letter

0:39:46.280 --> 0:39:49.960
<v Speaker 1>right now, seventy six six six six, like seven thou

0:39:50.080 --> 0:39:54.919
<v Speaker 1>year this year was this I started to oh two,

0:39:55.600 --> 0:40:00.760
<v Speaker 1>so thousand for the year because I went to school

0:40:00.800 --> 0:40:04.719
<v Speaker 1>and then kept going up. Oh five, Yeah, that's about right,

0:40:04.760 --> 0:40:07.920
<v Speaker 1>that's all right. Yeah, that's still a lot of money though. Yeah.

0:40:07.960 --> 0:40:11.239
<v Speaker 1>It was especially to just be playing with If I

0:40:11.280 --> 0:40:13.400
<v Speaker 1>had the sense I have now, I would have graduated

0:40:13.440 --> 0:40:17.640
<v Speaker 1>in two years instead of five. Exactly. You know. I

0:40:17.760 --> 0:40:21.560
<v Speaker 1>think it's the thing, you know, the college experience, if

0:40:21.640 --> 0:40:25.480
<v Speaker 1>done correctly, can never be redone in life. Like it is.

0:40:26.520 --> 0:40:29.759
<v Speaker 1>It is something that you will like literally, I had

0:40:29.800 --> 0:40:32.160
<v Speaker 1>a kick back last night and it was with my

0:40:32.280 --> 0:40:35.480
<v Speaker 1>college friends and I remember it was so nostalgic, like,

0:40:35.760 --> 0:40:38.560
<v Speaker 1>y'all remember we used to do this and we've grown now, right. So,

0:40:39.320 --> 0:40:43.520
<v Speaker 1>but that experience and those friendships and those relationships and

0:40:43.520 --> 0:40:46.000
<v Speaker 1>then even if you really do it right, leverage them

0:40:46.040 --> 0:40:49.960
<v Speaker 1>into your professional space. Um. For that reason, I wouldn't

0:40:50.000 --> 0:40:54.320
<v Speaker 1>take back going to college. For that reason. The educational component,

0:40:54.360 --> 0:41:01.160
<v Speaker 1>I can't you know, the friends, that's a I think

0:41:01.160 --> 0:41:03.680
<v Speaker 1>it was just friendships and then learning people like I'm

0:41:03.680 --> 0:41:07.160
<v Speaker 1>gonna be honest with you. Go to college was the

0:41:07.160 --> 0:41:09.719
<v Speaker 1>first time I really interacted with white people because I'm

0:41:09.719 --> 0:41:12.600
<v Speaker 1>from the inner city of Philly, so I I might

0:41:12.640 --> 0:41:14.799
<v Speaker 1>see one or two in high school and they were

0:41:14.840 --> 0:41:18.000
<v Speaker 1>trying to be black. These was real white people and

0:41:18.040 --> 0:41:23.320
<v Speaker 1>they've seen me either, you know. Then Oh my god,

0:41:23.400 --> 0:41:26.719
<v Speaker 1>like literally the girl, my roommate, her mom and dad

0:41:26.840 --> 0:41:29.839
<v Speaker 1>was so scared and I had ex her. I said, well,

0:41:29.840 --> 0:41:32.240
<v Speaker 1>what do you know about black peopley what did you see?

0:41:33.080 --> 0:41:42.359
<v Speaker 1>And y'all remember New York reference, Yes, I said, Oh,

0:41:42.600 --> 0:41:46.000
<v Speaker 1>we're gonna he no. So I asked, I said, have

0:41:46.080 --> 0:41:52.600
<v Speaker 1>you ever seen the cars piece right right here? She

0:41:52.760 --> 0:41:54.200
<v Speaker 1>was like no. I said, well, that's why I want

0:41:54.239 --> 0:41:56.439
<v Speaker 1>you to do this weekend. I want you to watch

0:41:56.480 --> 0:42:02.719
<v Speaker 1>a few episodes with your parents right over sides. She

0:42:02.880 --> 0:42:06.760
<v Speaker 1>was like, she was like, okay, she came back. Girl.

0:42:07.320 --> 0:42:09.520
<v Speaker 1>It was they have brought me some brownies now to

0:42:09.600 --> 0:42:11.560
<v Speaker 1>eat them though, because I don't know them. But it

0:42:11.680 --> 0:42:14.359
<v Speaker 1>was nice though. They brought me some brownies and we

0:42:14.360 --> 0:42:17.359
<v Speaker 1>were able to get along better because all she saw

0:42:17.560 --> 0:42:20.120
<v Speaker 1>was red and TV. She would have never known about

0:42:20.160 --> 0:42:22.879
<v Speaker 1>the cosmies, and I think it made it feel better. Yeah,

0:42:22.960 --> 0:42:28.040
<v Speaker 1>that's funny. Hi. Uh, my parents brought some fried chicken

0:42:28.080 --> 0:42:33.400
<v Speaker 1>and watermelon for you back because we heard you like that.

0:42:35.280 --> 0:42:37.440
<v Speaker 1>They bought me brownie. Said that was staked. If they

0:42:37.440 --> 0:42:39.960
<v Speaker 1>would have been some fried chicken. Oh hell no, like,

0:42:40.440 --> 0:42:43.920
<v Speaker 1>oh my god, how did not even eat it? They

0:42:43.960 --> 0:42:54.640
<v Speaker 1>brought brownies for a brownie you order something? Her Facebook message,

0:42:54.640 --> 0:42:59.759
<v Speaker 1>I got time, so listen. What are some things that

0:43:00.000 --> 0:43:05.200
<v Speaker 1>I from consolidating? Because I never consolidated my student student loans? Okay,

0:43:05.200 --> 0:43:08.040
<v Speaker 1>So two part questions? Is it okay? Just should you

0:43:08.120 --> 0:43:12.400
<v Speaker 1>consolidate with a third party lender? Um? If not, what

0:43:12.480 --> 0:43:16.040
<v Speaker 1>are some other things you can do aside from repaying

0:43:16.040 --> 0:43:19.879
<v Speaker 1>that's with yourself or consolidating? Was because I got a

0:43:19.880 --> 0:43:22.319
<v Speaker 1>few ideas myself. But I just have an executed I'm

0:43:22.320 --> 0:43:24.840
<v Speaker 1>gonna give you all a big heck that I only teach,

0:43:24.960 --> 0:43:26.440
<v Speaker 1>and I'm nevern being funny when I say this. Now

0:43:26.760 --> 0:43:30.880
<v Speaker 1>when I get paid thousands of dollars. So and this

0:43:31.040 --> 0:43:33.800
<v Speaker 1>is everybody listening, and they really smart deal like Paul

0:43:33.800 --> 0:43:35.799
<v Speaker 1>of the podcast and go run and play and come

0:43:35.880 --> 0:43:38.279
<v Speaker 1>right back. So here's the thing I want to talk

0:43:38.280 --> 0:43:40.040
<v Speaker 1>about the first question though, because it's where people get

0:43:40.040 --> 0:43:44.080
<v Speaker 1>in trouble. Consolidating with the federal lender is okay when

0:43:44.080 --> 0:43:46.680
<v Speaker 1>you talk about refinancing your loan with somebody out of

0:43:46.760 --> 0:43:48.600
<v Speaker 1>the federal space, because they try to make it seem

0:43:48.600 --> 0:43:51.440
<v Speaker 1>I guess the same thing that's not okay. Let me

0:43:51.480 --> 0:43:53.719
<v Speaker 1>get an example. I had a client who did not

0:43:53.800 --> 0:43:55.640
<v Speaker 1>want to listen to us. She was like, well, I

0:43:55.719 --> 0:43:59.239
<v Speaker 1>had good credit, I'm gonna refinance my loans. She did

0:43:59.239 --> 0:44:01.600
<v Speaker 1>it right before the endemic. What do you all things

0:44:01.640 --> 0:44:03.680
<v Speaker 1>happened with the pandemic? Kid with her loans because she

0:44:03.680 --> 0:44:08.160
<v Speaker 1>took me from being federal No no, no, not not

0:44:08.320 --> 0:44:11.800
<v Speaker 1>just that she couldn't take a she couldn't take advantage

0:44:11.800 --> 0:44:18.239
<v Speaker 1>of the more matorium, Oh because her ass went private. Kay.

0:44:19.000 --> 0:44:21.640
<v Speaker 1>So two years, she would have had to not make

0:44:21.680 --> 0:44:23.600
<v Speaker 1>a payment, but to make a payment get on top

0:44:23.600 --> 0:44:25.839
<v Speaker 1>of the principle, which was what I hope people did

0:44:25.920 --> 0:44:27.759
<v Speaker 1>during this pandemic. I know they didn't, but I hope

0:44:27.760 --> 0:44:30.439
<v Speaker 1>they did. She couldn't do. She still had to pay

0:44:30.840 --> 0:44:35.640
<v Speaker 1>like she wasn't in mhmm mhm. And that's why I

0:44:35.640 --> 0:44:37.880
<v Speaker 1>tell people you have a lot of STUDI loan that

0:44:37.960 --> 0:44:39.839
<v Speaker 1>I don't care if you got a good credit, leave

0:44:39.960 --> 0:44:45.480
<v Speaker 1>them in the federal space because if UH signed Executive

0:44:45.520 --> 0:44:48.880
<v Speaker 1>Act gets passed tomorrow, your asks ain't a part of it.

0:44:50.520 --> 0:44:53.799
<v Speaker 1>Mm hmm. So that's a part of it all right. Now,

0:44:53.880 --> 0:44:55.520
<v Speaker 1>let me get my hack. This is what I call

0:44:56.160 --> 0:44:59.480
<v Speaker 1>um the entrepreneur loan forgiveness hack. Now you don't have

0:44:59.560 --> 0:45:01.759
<v Speaker 1>to be trepreneur to do it. It just is a

0:45:01.760 --> 0:45:04.880
<v Speaker 1>really good heck that if somebody was thinking about entrepreneurship

0:45:05.200 --> 0:45:08.759
<v Speaker 1>could start their entrepreneur journey. I would recommend it. And

0:45:08.800 --> 0:45:14.479
<v Speaker 1>how the heck goes this basically long story short. Let's say, um, okay,

0:45:14.480 --> 0:45:16.320
<v Speaker 1>guys with ma fac I'm gonnapy, I'm ann pull yeall in.

0:45:16.360 --> 0:45:18.880
<v Speaker 1>For the example, it's better when I post somebody in Okay,

0:45:18.880 --> 0:45:21.000
<v Speaker 1>do you guys, have a business or business your thing

0:45:21.000 --> 0:45:24.880
<v Speaker 1>about starting? Okay, give me, I'm I'm about to play

0:45:25.120 --> 0:45:30.640
<v Speaker 1>all right, talk back the podcast right, and you monetize

0:45:30.680 --> 0:45:34.680
<v Speaker 1>the podcast, right? Okay. Now, let me ask you a question.

0:45:34.960 --> 0:45:37.759
<v Speaker 1>Have you ever thought about doing something really good with

0:45:37.880 --> 0:45:41.640
<v Speaker 1>this podcast in terms of like being a like a giveback,

0:45:41.760 --> 0:45:44.279
<v Speaker 1>like being a good giver in some type of way,

0:45:44.400 --> 0:45:46.920
<v Speaker 1>like anything you ever wanted to do if you if

0:45:46.960 --> 0:45:49.160
<v Speaker 1>money wasn't a thing and you wanted to use this

0:45:49.239 --> 0:45:52.840
<v Speaker 1>platform to give back, what would they look like? Um,

0:45:55.120 --> 0:46:02.000
<v Speaker 1>I don't know, yeah, something that's not monetary. So let

0:46:02.040 --> 0:46:03.640
<v Speaker 1>me give you an example. This is what I do

0:46:03.680 --> 0:46:05.080
<v Speaker 1>for liver it. Let me run a play for y'all.

0:46:05.120 --> 0:46:07.279
<v Speaker 1>So let's say we're gonna donate to us to do

0:46:07.360 --> 0:46:10.480
<v Speaker 1>something with this business, right, No, not your shoe? No no, no,

0:46:10.480 --> 0:46:14.560
<v Speaker 1>no no, don't get ahead now listening, I really teach

0:46:14.560 --> 0:46:15.920
<v Speaker 1>you rele like, so I'm like, no, no, no, come on,

0:46:16.000 --> 0:46:19.080
<v Speaker 1>come back, I listen. Let's say we took this podcast, right,

0:46:19.520 --> 0:46:22.120
<v Speaker 1>and we and we wanted to actually set up in

0:46:22.880 --> 0:46:25.759
<v Speaker 1>it's set up a tour and on the tour we

0:46:25.840 --> 0:46:30.360
<v Speaker 1>had a live episode taping and then the next day

0:46:30.480 --> 0:46:32.879
<v Speaker 1>we had some type of sister circle meet and I'm

0:46:32.920 --> 0:46:36.239
<v Speaker 1>making this all the way up right. M Now, that

0:46:36.600 --> 0:46:41.360
<v Speaker 1>could be paid for through your nonprofit where women, ages,

0:46:41.400 --> 0:46:46.239
<v Speaker 1>whatever whatever could come and could fellowship, could network. That's

0:46:46.239 --> 0:46:50.319
<v Speaker 1>a nonprofit you could start for that. So the podcast

0:46:50.520 --> 0:46:53.040
<v Speaker 1>is your fore profit instity because you are making or

0:46:53.080 --> 0:46:55.560
<v Speaker 1>would like to make profit with this. But let's say

0:46:55.600 --> 0:46:58.399
<v Speaker 1>you really wanted to really touch the women in those

0:46:58.400 --> 0:47:02.880
<v Speaker 1>particular cities and do would call it a talk that kickback?

0:47:02.960 --> 0:47:05.399
<v Speaker 1>I don't know, I'm making this up right, yeah, thank you?

0:47:06.280 --> 0:47:11.200
<v Speaker 1>Yeah right. System. Now let's say you're like, all right,

0:47:11.280 --> 0:47:14.040
<v Speaker 1>I gotta get some sponsors for that, but maybe initially

0:47:14.080 --> 0:47:15.719
<v Speaker 1>you don't have any because they need to see that

0:47:15.760 --> 0:47:18.359
<v Speaker 1>this is a proven concept that works. Once they see

0:47:18.400 --> 0:47:20.960
<v Speaker 1>you go to Atlanta and you put five hundred women

0:47:21.000 --> 0:47:24.760
<v Speaker 1>in the room to just talk about real women ship. Now,

0:47:25.160 --> 0:47:27.640
<v Speaker 1>Cola Cola want to sponsor you, right, but we didn't

0:47:27.640 --> 0:47:31.280
<v Speaker 1>get that far initially. Let's say the venue cast a thousand.

0:47:31.719 --> 0:47:35.920
<v Speaker 1>Let's say refreshments cost five hundred, and um, you extended

0:47:36.040 --> 0:47:39.080
<v Speaker 1>day at the hotel was three hundred. That's eight hundred.

0:47:39.120 --> 0:47:44.040
<v Speaker 1>You'll follow, the for profit would pay the non profit

0:47:44.600 --> 0:47:48.440
<v Speaker 1>the hundred, So Now you just made a really great

0:47:48.520 --> 0:47:53.759
<v Speaker 1>text right off for your for profit number one. Number two,

0:47:54.480 --> 0:47:59.440
<v Speaker 1>guess what you just made you too eligible for donations,

0:47:59.520 --> 0:48:02.200
<v Speaker 1>So get to get paid through the nonprofit. No, let's

0:48:02.239 --> 0:48:08.000
<v Speaker 1>go back to student forgiving. Now you're eligible to enroll

0:48:08.120 --> 0:48:12.920
<v Speaker 1>yourself and the public service now forgiveness programs. You got

0:48:13.000 --> 0:48:16.279
<v Speaker 1>real money coming in. You do take a stiping pay

0:48:16.880 --> 0:48:19.520
<v Speaker 1>other than nonprofit to show you got paid. It is

0:48:19.600 --> 0:48:23.640
<v Speaker 1>not free. And now you're eligible for the forgiveness program.

0:48:23.719 --> 0:48:26.439
<v Speaker 1>And it's little nuances in between there. I'm skipping, of course,

0:48:26.760 --> 0:48:30.160
<v Speaker 1>but basically that's the general concept. And so what I've

0:48:30.200 --> 0:48:32.520
<v Speaker 1>been saying to entrepreneurs because so many people want to

0:48:32.520 --> 0:48:35.880
<v Speaker 1>go into entrepreneurship but are scared because of your student

0:48:35.920 --> 0:48:40.440
<v Speaker 1>loans or whatever. Start your entrepreneurship journey. But I think

0:48:40.480 --> 0:48:43.880
<v Speaker 1>that every entrepreneur, every business should be thinking about what

0:48:43.960 --> 0:48:47.960
<v Speaker 1>I call a nonprofit armed. The nonprofit armed sets you

0:48:48.120 --> 0:48:51.040
<v Speaker 1>up to have taxes written off and sets you up

0:48:51.080 --> 0:48:55.000
<v Speaker 1>to have public service don't forgiveness success. So not only

0:48:55.080 --> 0:48:57.719
<v Speaker 1>are you being a great giver, you're also giving back

0:48:57.800 --> 0:49:02.040
<v Speaker 1>to yourself. Girl, you just the motherfucking juel. Y'all heard

0:49:02.360 --> 0:49:07.000
<v Speaker 1>the bar. Yeah, So we all about to have five

0:49:07.040 --> 0:49:11.560
<v Speaker 1>of one C three is now literally this is what

0:49:12.360 --> 0:49:16.600
<v Speaker 1>this is what the rich, the wealthiest business incorporations do.

0:49:17.160 --> 0:49:19.440
<v Speaker 1>I didn't see anything that was super deep. I just

0:49:19.480 --> 0:49:22.160
<v Speaker 1>said it, so that was tangible for you to be

0:49:22.280 --> 0:49:24.440
<v Speaker 1>able to go do it and run the play. And

0:49:24.560 --> 0:49:27.200
<v Speaker 1>the person that's listened to this as really savvy, they're

0:49:27.200 --> 0:49:29.680
<v Speaker 1>going to go do that because I just told you one.

0:49:30.000 --> 0:49:32.960
<v Speaker 1>Would you rather pay your nonprofits to advance your calls?

0:49:33.280 --> 0:49:35.560
<v Speaker 1>Or would you betther pay the I R s you

0:49:36.560 --> 0:49:39.359
<v Speaker 1>somebody got the money gotta go somewhere. Anyway, mine as

0:49:39.400 --> 0:49:46.080
<v Speaker 1>well go to being a great giver. Interesting, but I've

0:49:46.760 --> 0:49:48.480
<v Speaker 1>I've done a little bit of research on that, but

0:49:48.719 --> 0:49:50.680
<v Speaker 1>obviously I haven't implement in that. I got a lot

0:49:50.719 --> 0:49:54.440
<v Speaker 1>of a lot of students on that. Okay, a lot

0:49:54.480 --> 0:49:56.759
<v Speaker 1>of students on that. I think you guys can do it.

0:49:56.920 --> 0:50:00.040
<v Speaker 1>And you know, the one thing I was looking that

0:50:00.360 --> 0:50:06.600
<v Speaker 1>was the have you heard of this is the borrower about? Yes?

0:50:07.840 --> 0:50:10.680
<v Speaker 1>Mm hmm. I feel like the college we went to,

0:50:10.800 --> 0:50:13.040
<v Speaker 1>the h b c U we went to it was

0:50:13.080 --> 0:50:16.480
<v Speaker 1>a lot of shady ship going on over there. No,

0:50:16.640 --> 0:50:18.960
<v Speaker 1>I believe you. So here's the challenge with the Borrower's

0:50:18.960 --> 0:50:23.480
<v Speaker 1>sense program. There has to be a substantial amount of

0:50:23.600 --> 0:50:27.439
<v Speaker 1>evidence or accusations for the Department that add to look

0:50:27.520 --> 0:50:30.719
<v Speaker 1>at it. So you really had the time to submit application.

0:50:30.840 --> 0:50:33.160
<v Speaker 1>It's not on the instant. But if you got your

0:50:33.760 --> 0:50:36.800
<v Speaker 1>your colleagues at your school, your classmates you're still in

0:50:36.880 --> 0:50:40.080
<v Speaker 1>touch with, to do the same application the same way.

0:50:40.600 --> 0:50:43.719
<v Speaker 1>Now the Department of Education goes, oh, let me see

0:50:43.760 --> 0:50:46.640
<v Speaker 1>what was happening at that that it's private school, and

0:50:46.760 --> 0:50:50.279
<v Speaker 1>that they investigate and ask for the certain things. You

0:50:50.360 --> 0:50:53.680
<v Speaker 1>guys said what was happening to be verified and the

0:50:53.760 --> 0:50:57.160
<v Speaker 1>college couldn't. Then you could present a case for Borrower's defects.

0:50:57.520 --> 0:51:00.920
<v Speaker 1>But then that could uh damage the reputation of the

0:51:01.040 --> 0:51:03.839
<v Speaker 1>institution that they already damaged over there how many times

0:51:03.880 --> 0:51:06.560
<v Speaker 1>it was about to lose accreditation. Have fun and they're

0:51:06.600 --> 0:51:10.680
<v Speaker 1>probably they're probably weren't gonna HBCU though you're not gonna

0:51:10.719 --> 0:51:14.440
<v Speaker 1>do that. They don't care about damn student loans. I

0:51:14.560 --> 0:51:18.719
<v Speaker 1>still love my college. But but but the school closed,

0:51:18.760 --> 0:51:21.880
<v Speaker 1>don't know, I'm joking the school Kirk did they die? Thought? No?

0:51:23.320 --> 0:51:26.080
<v Speaker 1>No school. So here's the thing, let me get a

0:51:26.160 --> 0:51:29.000
<v Speaker 1>real example. It did happen before with I T T Tech.

0:51:30.239 --> 0:51:33.560
<v Speaker 1>So remember when I T T Tech closed down. That's

0:51:33.600 --> 0:51:37.480
<v Speaker 1>why because so many substantial claims came in that the

0:51:37.640 --> 0:51:41.200
<v Speaker 1>government did this. They do what's called pull back. They said,

0:51:41.320 --> 0:51:44.279
<v Speaker 1>you guys can stay open, but you're no mong we're

0:51:44.320 --> 0:51:47.839
<v Speaker 1>going to receive financial aid from us. How many people

0:51:47.920 --> 0:51:52.279
<v Speaker 1>do you think can cash pay right? Zero? So after

0:51:52.480 --> 0:51:56.400
<v Speaker 1>one semester now the school had to close down because

0:51:56.480 --> 0:51:59.480
<v Speaker 1>the government took the financialate away. Would you want to

0:51:59.520 --> 0:52:02.800
<v Speaker 1>be respond possible for the closing of your HBC You

0:52:02.880 --> 0:52:06.439
<v Speaker 1>don't care. Damn no, I wouldn't want that. I think though,

0:52:06.600 --> 0:52:09.320
<v Speaker 1>if it was a real issue and it has a

0:52:09.480 --> 0:52:14.040
<v Speaker 1>nasty bit just working and financially, I can't fly. Like

0:52:14.160 --> 0:52:21.680
<v Speaker 1>I said, they had some nasty financially Like listen, they

0:52:21.800 --> 0:52:23.400
<v Speaker 1>used to be in there trying to handle you as

0:52:23.440 --> 0:52:25.520
<v Speaker 1>if if they don't get your paperwork right, like you

0:52:25.600 --> 0:52:28.320
<v Speaker 1>don't get paid if my paperworking right, ma'am. You know,

0:52:28.480 --> 0:52:30.680
<v Speaker 1>like if you don't get my financially sent you, this

0:52:30.800 --> 0:52:32.520
<v Speaker 1>is how you get paid. So why are you treating

0:52:32.560 --> 0:52:36.080
<v Speaker 1>me like I'm like the problem? You know what I'm saying?

0:52:36.120 --> 0:52:37.879
<v Speaker 1>It was real? You know what I mean over there?

0:52:38.239 --> 0:52:40.759
<v Speaker 1>This is what happens why we don't sometimes properly train

0:52:40.800 --> 0:52:43.680
<v Speaker 1>our stuff. But to the other thing is if you're

0:52:43.760 --> 0:52:46.920
<v Speaker 1>dealing with people that are first new to school for

0:52:47.000 --> 0:52:51.040
<v Speaker 1>the first time, most people um and still they're still first.

0:52:52.480 --> 0:52:56.200
<v Speaker 1>There's there's no edicated on what college experience should be like.

0:52:56.600 --> 0:53:00.200
<v Speaker 1>So now what you did at the doctor's office in

0:53:00.320 --> 0:53:03.160
<v Speaker 1>Philly or what you did at the week office, you

0:53:03.320 --> 0:53:04.879
<v Speaker 1>think it's okay to come to the college and talk

0:53:04.920 --> 0:53:07.520
<v Speaker 1>to these people like that. So then we get dis

0:53:07.640 --> 0:53:11.480
<v Speaker 1>frontal college workers because you got dispontor people coming in

0:53:11.880 --> 0:53:15.000
<v Speaker 1>talking like they're crazy. It's just a cycle. I have

0:53:15.440 --> 0:53:17.920
<v Speaker 1>a whole year that I did not attend college that

0:53:17.960 --> 0:53:20.799
<v Speaker 1>I would charged for. How is that possible? You see

0:53:20.840 --> 0:53:23.879
<v Speaker 1>what I'm saying. No, no, no, that's not legal. No exactly.

0:53:24.080 --> 0:53:29.600
<v Speaker 1>So if I approved that to FED loans, well you

0:53:29.719 --> 0:53:32.320
<v Speaker 1>couldn't for the complaining with the department to add and

0:53:32.520 --> 0:53:35.240
<v Speaker 1>on a case by case, it's possible they could reverse

0:53:35.680 --> 0:53:39.000
<v Speaker 1>those charges for that year. Yeah, if you got a

0:53:39.040 --> 0:53:41.160
<v Speaker 1>whole twenty thousand dollars for a year that you didn't

0:53:41.320 --> 0:53:43.320
<v Speaker 1>you didn't sign any paperwork or nothing for it, and

0:53:43.400 --> 0:53:46.160
<v Speaker 1>there's definitely something Yeah, so I didn't get done. So

0:53:46.239 --> 0:53:48.160
<v Speaker 1>who else did y'all do that too? You see what

0:53:48.239 --> 0:53:51.640
<v Speaker 1>I'm saying. If you're not paying, who else did y'all

0:53:51.640 --> 0:53:54.040
<v Speaker 1>do that too? To get the funds I'm not paying

0:53:54.120 --> 0:53:56.200
<v Speaker 1>for that, I would definitely say something, Yeah for sure.

0:53:56.920 --> 0:53:59.399
<v Speaker 1>So okay, what is a better option and help people

0:53:59.520 --> 0:54:03.600
<v Speaker 1>understand what the difference is when a with a subsidize

0:54:03.600 --> 0:54:09.640
<v Speaker 1>it subsidized and unsubsidized federal student loan. Yeah, So the

0:54:09.760 --> 0:54:12.280
<v Speaker 1>thing is, it's not set up to be an option.

0:54:12.400 --> 0:54:14.800
<v Speaker 1>What it more so set up is and says is

0:54:15.400 --> 0:54:19.560
<v Speaker 1>with this subsidized loan debt um, the government will pay

0:54:19.680 --> 0:54:24.120
<v Speaker 1>part of your interests while you're in school. The unsubsidized says,

0:54:24.320 --> 0:54:26.759
<v Speaker 1>we will let you borrow this money, but we are

0:54:26.920 --> 0:54:29.880
<v Speaker 1>not paying for your interests. And so we find that

0:54:30.040 --> 0:54:33.520
<v Speaker 1>people have to take both loans because they need to

0:54:33.600 --> 0:54:36.000
<v Speaker 1>pay for the total mail. Oh but if you're aver

0:54:36.080 --> 0:54:38.799
<v Speaker 1>in a situation where you have scholarship money and then

0:54:38.840 --> 0:54:41.839
<v Speaker 1>you only have to take out a subsidized loan, that's

0:54:41.840 --> 0:54:45.160
<v Speaker 1>a lot better than taking out both. So some people

0:54:45.239 --> 0:54:47.759
<v Speaker 1>have to take out both. Most people had to take

0:54:47.800 --> 0:54:50.000
<v Speaker 1>out both loans and say it that way, But if

0:54:50.080 --> 0:54:52.719
<v Speaker 1>you ever had the option, then I would do subsidized

0:54:52.840 --> 0:54:55.000
<v Speaker 1>because you want the government to cover the interest. And

0:54:55.120 --> 0:54:58.000
<v Speaker 1>see even like that, you were we remember subsidized and

0:54:58.120 --> 0:55:02.000
<v Speaker 1>unsubsidized on our award letter. But did anybody in financial aid,

0:55:02.080 --> 0:55:05.759
<v Speaker 1>any counselor ever explain to you the difference between the two. No,

0:55:06.080 --> 0:55:09.800
<v Speaker 1>you know, I don't remember. I don't know. And honestly

0:55:11.480 --> 0:55:13.160
<v Speaker 1>I was That's what I'm saying, Just what can I

0:55:13.239 --> 0:55:16.000
<v Speaker 1>do to get in school? What? Yeah, like sund me

0:55:16.120 --> 0:55:18.360
<v Speaker 1>up or whatever so I can stay in school, you know,

0:55:18.600 --> 0:55:21.520
<v Speaker 1>And that's not that's not counseling because mortgage lender wouldn't

0:55:21.520 --> 0:55:24.359
<v Speaker 1>do you like that. You know what I'm saying, right,

0:55:24.480 --> 0:55:27.839
<v Speaker 1>So you took words in my mouth. Uh, Students going

0:55:27.880 --> 0:55:30.400
<v Speaker 1>to school, it's just like older adults trying to buy

0:55:30.440 --> 0:55:33.719
<v Speaker 1>a home. It's the same zest like I just gotta

0:55:33.760 --> 0:55:36.400
<v Speaker 1>get this home. I gotta get into this school. And

0:55:36.640 --> 0:55:40.400
<v Speaker 1>and the thing is even parents, um sometimes put false

0:55:40.480 --> 0:55:44.200
<v Speaker 1>pressures when their kids to go to school, and so

0:55:44.440 --> 0:55:47.080
<v Speaker 1>nobody's really doing the math or care about the math

0:55:47.160 --> 0:55:50.280
<v Speaker 1>per se, and signing away their life and not reading,

0:55:50.920 --> 0:55:54.000
<v Speaker 1>and then it just becomes the train wreck. Yeah, minded,

0:55:54.040 --> 0:55:55.920
<v Speaker 1>and my mama was not having that ship. I remember

0:55:55.960 --> 0:55:58.000
<v Speaker 1>going to the dorm and my oldest sister who had

0:55:58.320 --> 0:56:01.640
<v Speaker 1>went to college, she was like, um a J Well, Ashley,

0:56:01.680 --> 0:56:03.719
<v Speaker 1>you need to come home because that school costs too much.

0:56:03.840 --> 0:56:05.880
<v Speaker 1>I just put my ship in the dorm. She was like,

0:56:06.000 --> 0:56:08.120
<v Speaker 1>just come home, go to school for two go to

0:56:08.200 --> 0:56:09.640
<v Speaker 1>tech for two years, and then if you want to

0:56:09.640 --> 0:56:12.240
<v Speaker 1>go to a four year do that. But I wanted

0:56:12.320 --> 0:56:14.399
<v Speaker 1>the college experience. And you know what, my mama said,

0:56:14.520 --> 0:56:16.960
<v Speaker 1>I'm not paying for your ass to have an experience.

0:56:17.560 --> 0:56:20.560
<v Speaker 1>Period of My dad might have took out a five

0:56:20.600 --> 0:56:24.799
<v Speaker 1>thousand dollar loan and that's it. Everything else I had

0:56:24.840 --> 0:56:26.680
<v Speaker 1>to pay for. You had to come home. Yeah, I

0:56:26.760 --> 0:56:30.600
<v Speaker 1>feel like, yeah, I just paid for school, so unsub

0:56:31.160 --> 0:56:36.040
<v Speaker 1>pale grant. Uh, just anything I could sign my name

0:56:36.120 --> 0:56:38.120
<v Speaker 1>to that would make it. That is me. I did

0:56:38.719 --> 0:56:42.600
<v Speaker 1>m Yeah, so for me, my mom got really sick

0:56:42.719 --> 0:56:46.000
<v Speaker 1>my senior year, so I had to week like it

0:56:46.160 --> 0:56:48.239
<v Speaker 1>was like no money because I didn't believe know how

0:56:48.280 --> 0:56:49.680
<v Speaker 1>to thought the fast. But this is when we was

0:56:49.760 --> 0:56:52.360
<v Speaker 1>doing math paid for and ship. It was weird. So

0:56:53.120 --> 0:56:54.640
<v Speaker 1>I was going to get put out of school. But

0:56:54.840 --> 0:56:57.560
<v Speaker 1>my my financial aid counselor called me and she was

0:56:57.640 --> 0:57:00.400
<v Speaker 1>like you need to come up um by the end

0:57:00.440 --> 0:57:03.239
<v Speaker 1>of this week. She was like, with some money for

0:57:03.360 --> 0:57:06.200
<v Speaker 1>next semester. I'm like, now where would I get that from?

0:57:07.360 --> 0:57:09.759
<v Speaker 1>And she was like, you need to knock on every

0:57:09.800 --> 0:57:13.120
<v Speaker 1>door on campus and see who has a scholarship. Like

0:57:13.200 --> 0:57:17.320
<v Speaker 1>imagine get a call like that. So I only owned

0:57:17.360 --> 0:57:18.800
<v Speaker 1>one pair of sneakers at the town because I was

0:57:18.880 --> 0:57:20.960
<v Speaker 1>so girly, which is such the opposite of what I

0:57:21.000 --> 0:57:24.960
<v Speaker 1>am now. I love sneakers, right, So I had. All

0:57:25.000 --> 0:57:26.960
<v Speaker 1>I had was like hills and little kit Hills. I

0:57:26.960 --> 0:57:28.200
<v Speaker 1>don't know who I thought it was. I get I

0:57:28.320 --> 0:57:31.080
<v Speaker 1>watched too much to you day m So I was like,

0:57:31.160 --> 0:57:33.200
<v Speaker 1>let me put my speakers on. And I went and

0:57:33.280 --> 0:57:36.200
<v Speaker 1>knocked on every door for a whole day. And I

0:57:36.320 --> 0:57:38.960
<v Speaker 1>got to the last door and her name was Miss

0:57:39.040 --> 0:57:41.600
<v Speaker 1>Debbie and she said, what's your g p A? And

0:57:41.680 --> 0:57:42.920
<v Speaker 1>at the time, my g p A was like a

0:57:43.000 --> 0:57:45.480
<v Speaker 1>three point eight. And she was like, she said, what

0:57:45.560 --> 0:57:48.120
<v Speaker 1>activities are your part of? So I started telling her

0:57:48.160 --> 0:57:50.080
<v Speaker 1>all the activities I joined because I was bored as hell.

0:57:50.760 --> 0:57:53.400
<v Speaker 1>And she was like, okay, She's like, I'll let you apply.

0:57:54.000 --> 0:57:56.480
<v Speaker 1>She was like, I need this essay back in two hours.

0:57:57.320 --> 0:57:59.280
<v Speaker 1>So at least I knew how to type, so that

0:57:59.400 --> 0:58:01.800
<v Speaker 1>was a good thing. I typed it up and handed

0:58:01.840 --> 0:58:04.520
<v Speaker 1>it in. She said, come back in two more hours

0:58:04.600 --> 0:58:07.240
<v Speaker 1>and I'll give you an answer if you or another

0:58:07.320 --> 0:58:10.280
<v Speaker 1>young lady got to scholarship. Long story short, I get

0:58:10.320 --> 0:58:13.880
<v Speaker 1>back there. She was like, um, sonya. Now, do y'all

0:58:13.920 --> 0:58:19.640
<v Speaker 1>think they called losers first, right? I was like, they

0:58:19.680 --> 0:58:22.840
<v Speaker 1>don't call Lucifer's. I was like yes, she was like okay,

0:58:23.000 --> 0:58:26.360
<v Speaker 1>she was like congratulations. I'm like, oh my god, thank you.

0:58:26.840 --> 0:58:29.880
<v Speaker 1>The girl like storm Soul starts cussing. She's mad, so

0:58:30.000 --> 0:58:35.400
<v Speaker 1>she doesn't like you. To the death song, she said.

0:58:36.200 --> 0:58:38.320
<v Speaker 1>I didn't know why she was mad. I guess how

0:58:38.400 --> 0:58:44.360
<v Speaker 1>much the scholarship was for a full ride? Wow, a

0:58:44.520 --> 0:58:46.960
<v Speaker 1>full ride. I was just sitting there waiting on somebody

0:58:47.000 --> 0:58:50.120
<v Speaker 1>on the knock on the door for it, literally knock

0:58:50.200 --> 0:58:53.920
<v Speaker 1>on the door, like every door. And I was about

0:58:54.000 --> 0:58:56.720
<v Speaker 1>to quit and give up on knocking on doors because

0:58:56.720 --> 0:58:59.360
<v Speaker 1>I was tired, my feet was hurt, my campus had

0:58:59.440 --> 0:59:02.800
<v Speaker 1>heels and it I'm so, you know, I gotta go

0:59:02.960 --> 0:59:06.840
<v Speaker 1>one more here. I can't do it. So I did it,

0:59:07.440 --> 0:59:10.120
<v Speaker 1>and I'm glad I did it because again, waiting at

0:59:10.160 --> 0:59:13.240
<v Speaker 1>the end of it was a four hot Yeah, yeah

0:59:13.480 --> 0:59:17.240
<v Speaker 1>it was. It was a real one. I still remember

0:59:17.280 --> 0:59:19.440
<v Speaker 1>that day. And then I said, excuse me for a minute,

0:59:19.600 --> 0:59:21.680
<v Speaker 1>and I had like this whole praise dance and shout.

0:59:22.120 --> 0:59:23.880
<v Speaker 1>I had to call my grandma back. I was like,

0:59:24.000 --> 0:59:25.680
<v Speaker 1>tell unclad, he ain't got to come to them all

0:59:29.640 --> 0:59:33.320
<v Speaker 1>was coming to get you in your ship he put out.

0:59:35.280 --> 0:59:37.640
<v Speaker 1>So like a lot of big companies, they offer like

0:59:37.800 --> 0:59:41.360
<v Speaker 1>paid therapy sessions for their employees and families to help

0:59:41.440 --> 0:59:46.320
<v Speaker 1>manage their work life. Balanced the lack there of anyway.

0:59:47.120 --> 0:59:52.520
<v Speaker 1>So with student loan debt counseling, you would think that,

0:59:52.840 --> 0:59:55.160
<v Speaker 1>you know, major corporations and companies would have something like

0:59:55.280 --> 0:59:58.720
<v Speaker 1>that at their headquarters or something. Have you appeared with

0:59:59.120 --> 1:00:04.040
<v Speaker 1>any major compan be these the one book? One time

1:00:04.120 --> 1:00:06.600
<v Speaker 1>we did one it was a nonprofit and we did

1:00:06.680 --> 1:00:08.760
<v Speaker 1>some work for them UM and it actually was a

1:00:08.800 --> 1:00:11.360
<v Speaker 1>really great relationship. It's just when the budget came back in,

1:00:11.840 --> 1:00:14.360
<v Speaker 1>it wasn't space for it. UM And what I find

1:00:14.440 --> 1:00:17.640
<v Speaker 1>by started my own counseling service. So this week UM

1:00:17.920 --> 1:00:20.840
<v Speaker 1>people had and will paid for it and we're actually

1:00:20.920 --> 1:00:23.440
<v Speaker 1>not even terribly expensive. And I did it on purpose.

1:00:24.000 --> 1:00:27.640
<v Speaker 1>UM because I what I realized is there's really no

1:00:27.920 --> 1:00:32.320
<v Speaker 1>place you can go and have somebody break down your

1:00:32.360 --> 1:00:35.560
<v Speaker 1>student loan debt and some solutions without them asking for

1:00:36.240 --> 1:00:38.040
<v Speaker 1>a payment at the end. And we didn't want to

1:00:38.080 --> 1:00:40.800
<v Speaker 1>be that service for anyone, Like we didn't want to

1:00:40.960 --> 1:00:45.000
<v Speaker 1>work or or be aligned with the student loan lenders.

1:00:45.080 --> 1:00:46.840
<v Speaker 1>We wanted to be for the people, so we can

1:00:46.920 --> 1:00:48.720
<v Speaker 1>tell the people what the best thing is to do

1:00:48.960 --> 1:00:51.880
<v Speaker 1>and not to do. UM. So, yeah, I think it's

1:00:51.880 --> 1:00:53.960
<v Speaker 1>a great service. I'm sure in different states there are

1:00:54.080 --> 1:00:56.680
<v Speaker 1>things and companies like it that exists more on a

1:00:56.760 --> 1:00:59.120
<v Speaker 1>corporate level. But let me really honest with you guys,

1:00:59.160 --> 1:01:01.280
<v Speaker 1>Like when I started my brand, I never wanted to

1:01:01.360 --> 1:01:04.200
<v Speaker 1>change me or my personality and how I wanted to

1:01:04.280 --> 1:01:09.240
<v Speaker 1>serve people. So I've always been very very careful with partnerships, um,

1:01:09.520 --> 1:01:12.280
<v Speaker 1>with taking money from people that don't look like me,

1:01:13.000 --> 1:01:15.840
<v Speaker 1>so they can't control my narrative and how I teach.

1:01:16.280 --> 1:01:17.880
<v Speaker 1>Because if I want to get on I g live

1:01:18.000 --> 1:01:20.440
<v Speaker 1>tonight and say buck them loads, like I might want

1:01:20.480 --> 1:01:23.240
<v Speaker 1>to get on there and say something radical like I

1:01:23.440 --> 1:01:25.960
<v Speaker 1>need to know that my money and my payroll for

1:01:26.080 --> 1:01:28.760
<v Speaker 1>my team ain't gonna get cut if that makes sense,

1:01:29.240 --> 1:01:32.240
<v Speaker 1>and so I was, and it took I've been a business,

1:01:32.280 --> 1:01:36.440
<v Speaker 1>how six years? It took four years to be able

1:01:36.600 --> 1:01:39.400
<v Speaker 1>to be really comfortable to say I can do this

1:01:39.560 --> 1:01:42.560
<v Speaker 1>pay roll pay my people, you know, six figures were

1:01:42.600 --> 1:01:45.560
<v Speaker 1>close to it or and it be from the muscle

1:01:45.720 --> 1:01:48.320
<v Speaker 1>like I was really really adamant that I didn't want

1:01:48.360 --> 1:01:50.960
<v Speaker 1>to work and be aligned with certain companies because then

1:01:51.560 --> 1:01:53.320
<v Speaker 1>you know, you got that little carrot over your head.

1:01:53.360 --> 1:01:56.680
<v Speaker 1>I don't want to experience right now, let me ask

1:01:56.720 --> 1:01:59.400
<v Speaker 1>you this. There's people who went to college the wreck

1:01:59.520 --> 1:02:01.600
<v Speaker 1>of artist dead and then this went on with life

1:02:01.640 --> 1:02:05.120
<v Speaker 1>andself forgot that ship and forgot about it. How did

1:02:05.120 --> 1:02:07.120
<v Speaker 1>they even find out how much they? Oh? Like, they

1:02:07.160 --> 1:02:09.360
<v Speaker 1>wouldn't even know where to start or how you running

1:02:09.400 --> 1:02:12.400
<v Speaker 1>their debt? So the best place to go is to

1:02:12.520 --> 1:02:15.520
<v Speaker 1>call as a place called student aid dot gov. So

1:02:15.680 --> 1:02:18.320
<v Speaker 1>student aid dot gov allows you to see all of

1:02:18.400 --> 1:02:21.400
<v Speaker 1>your federal loan debt. You also can get an annual

1:02:21.480 --> 1:02:24.680
<v Speaker 1>free credit report who your credit and see what still

1:02:24.800 --> 1:02:27.080
<v Speaker 1>loans come up when your credit as well cost compared

1:02:27.120 --> 1:02:30.400
<v Speaker 1>to to make sure the information looks the same um

1:02:30.600 --> 1:02:32.640
<v Speaker 1>and then you you know, these accounts are free of

1:02:32.760 --> 1:02:35.400
<v Speaker 1>course and then you want to find out based off

1:02:35.440 --> 1:02:38.080
<v Speaker 1>of your credit report, whereas to the A report, who

1:02:38.160 --> 1:02:40.240
<v Speaker 1>your lender is, and so then you want to create

1:02:40.280 --> 1:02:43.160
<v Speaker 1>your lender account and putting your basic information and your

1:02:43.240 --> 1:02:45.760
<v Speaker 1>loans will come up. Right, All these things are really

1:02:45.840 --> 1:02:48.440
<v Speaker 1>important to know how to access. And we'll be doing

1:02:48.480 --> 1:02:50.560
<v Speaker 1>more classes on our platform that really show people how

1:02:50.640 --> 1:02:53.280
<v Speaker 1>to get into their stuff again because it's been so long,

1:02:53.440 --> 1:02:55.680
<v Speaker 1>or maybe some people have never But the thing is,

1:02:55.840 --> 1:02:58.960
<v Speaker 1>you don't want to be a passive participant and the

1:02:59.040 --> 1:03:01.720
<v Speaker 1>repayment of your loan because once your loans going to

1:03:01.840 --> 1:03:05.160
<v Speaker 1>default and they just actually cleared the fault all the

1:03:05.240 --> 1:03:08.760
<v Speaker 1>fall alans recently. But if if you when this is

1:03:08.840 --> 1:03:11.640
<v Speaker 1>over and your loans happen to go into default, it

1:03:11.840 --> 1:03:15.040
<v Speaker 1>stops you from being able to buy a home. It

1:03:15.200 --> 1:03:18.480
<v Speaker 1>stops you from being able to have good credit. It's

1:03:18.520 --> 1:03:22.440
<v Speaker 1>on your credit report though, right, Well, no, so that's

1:03:22.480 --> 1:03:25.680
<v Speaker 1>where people get this messed up, So on you, That's

1:03:25.720 --> 1:03:28.800
<v Speaker 1>what I'm saying that, right, So, after it gets to

1:03:28.880 --> 1:03:31.640
<v Speaker 1>a certain point, let's put it that way, they leave

1:03:31.720 --> 1:03:34.840
<v Speaker 1>your credit a point and if you now, if you're

1:03:34.840 --> 1:03:36.480
<v Speaker 1>at that point, let me just put it that way.

1:03:37.160 --> 1:03:41.360
<v Speaker 1>Just know, with the recent change with the Biding administration,

1:03:41.760 --> 1:03:44.840
<v Speaker 1>it's going to come back on your credit soon. Now

1:03:45.240 --> 1:03:47.919
<v Speaker 1>that's the better Prove it just like any other day.

1:03:48.080 --> 1:03:52.960
<v Speaker 1>Prove it right, because yeah, it's a good and bad thing.

1:03:53.640 --> 1:03:56.800
<v Speaker 1>So if it comes back on your report again, you

1:03:56.840 --> 1:03:58.880
<v Speaker 1>can go through the process with credit and get it off.

1:03:59.200 --> 1:04:02.800
<v Speaker 1>But remember there is the consumer report is what you're

1:04:02.840 --> 1:04:05.480
<v Speaker 1>talking about when you go to buy home. There's another

1:04:05.600 --> 1:04:08.720
<v Speaker 1>report that they look at. It shows all federal holdings.

1:04:08.880 --> 1:04:11.040
<v Speaker 1>Right now, if you were just saying, well, so I'm

1:04:11.120 --> 1:04:13.040
<v Speaker 1>just trying to get them off my credit because I

1:04:13.080 --> 1:04:15.960
<v Speaker 1>need to go buy our car, go ahead. It car

1:04:16.120 --> 1:04:18.840
<v Speaker 1>dealership could never see it. But when we started talking

1:04:18.880 --> 1:04:24.840
<v Speaker 1>about investing her holy certain government licenses for work, it

1:04:24.960 --> 1:04:30.840
<v Speaker 1>will show up, right mm hmm. Until then, you know,

1:04:31.040 --> 1:04:42.320
<v Speaker 1>catching weekend so bad. All right, listen, we appreciate you,

1:04:42.440 --> 1:04:44.640
<v Speaker 1>saw you for coming over. We talked back. Let out.

1:04:45.960 --> 1:04:53.240
<v Speaker 1>Yes you are a delight. They can find you at plug. Yes,

1:04:53.400 --> 1:04:56.400
<v Speaker 1>so go to Instagram and stud alone. Doctor. Um all

1:04:56.480 --> 1:04:59.600
<v Speaker 1>the fun list here. Our website is doctor. Please help

1:04:59.640 --> 1:05:02.760
<v Speaker 1>me that come Um, I don't know, just google less

1:05:02.760 --> 1:05:05.480
<v Speaker 1>you'll find us. Um. It's just a little black girl

1:05:05.520 --> 1:05:08.240
<v Speaker 1>that changes here. Styles every so often. Um, it's still me.

1:05:09.120 --> 1:05:11.600
<v Speaker 1>Phones don't change. I never look like any of my

1:05:11.680 --> 1:05:13.840
<v Speaker 1>photos and I got work for it one this year.

1:05:14.000 --> 1:05:16.240
<v Speaker 1>One day is flocks. I'd like this now it's girl.

1:05:16.760 --> 1:05:18.840
<v Speaker 1>The point is, you know, just look for the name

1:05:18.920 --> 1:05:21.880
<v Speaker 1>studan doctor. Um, and then this I tell people, like,

1:05:22.000 --> 1:05:23.480
<v Speaker 1>if you know you need us, and you know your

1:05:23.520 --> 1:05:25.960
<v Speaker 1>friends need us, don't go on a crusade because you

1:05:26.040 --> 1:05:28.800
<v Speaker 1>heard that episode. Just say, like, I think there's somebody

1:05:28.920 --> 1:05:32.720
<v Speaker 1>should check out, drop them off. They will find their

1:05:32.800 --> 1:05:35.560
<v Speaker 1>way to my d MS to help on your own,

1:05:36.120 --> 1:05:37.520
<v Speaker 1>and then we could just take it from the air.

1:05:37.600 --> 1:05:39.680
<v Speaker 1>So it's gonna be good. Did you plug your Instagram

1:05:39.720 --> 1:05:43.000
<v Speaker 1>out of here? It? Oh the student loan doctor Okay,

1:05:43.440 --> 1:05:48.160
<v Speaker 1>were in there? Yeah, man, go and check her out

1:05:48.280 --> 1:05:51.520
<v Speaker 1>for really help your talk out talking to these niggas. Boy,

1:05:51.600 --> 1:05:56.320
<v Speaker 1>we got all the student loan debt. Oh, we got

1:05:56.400 --> 1:05:58.720
<v Speaker 1>to do a whole class on We need to do it.

1:05:58.800 --> 1:06:00.760
<v Speaker 1>We know what we need to do. Some speed dating

1:06:00.800 --> 1:06:04.000
<v Speaker 1>on some student loan desk, speedy and like that. You

1:06:04.080 --> 1:06:10.680
<v Speaker 1>know when credits impose you again. All right, y'all listen.

1:06:10.720 --> 1:06:13.640
<v Speaker 1>If you enjoyed this episode, please tune in every Thursday

1:06:13.800 --> 1:06:15.960
<v Speaker 1>on the I Heart Radio, Apple, Wherever the fun you

1:06:16.040 --> 1:06:18.480
<v Speaker 1>get your podcast at. This your co host, A J

1:06:19.040 --> 1:06:23.400
<v Speaker 1>Holiday two point oh. Follow me on Instagram, A and y'all,

1:06:23.440 --> 1:06:25.760
<v Speaker 1>this is official. Tim ma'am on Instagram following me. I

1:06:25.840 --> 1:06:28.400
<v Speaker 1>love you guys, Thank you all for listening, and y'all remember,

1:06:28.560 --> 1:06:32.320
<v Speaker 1>speak now and never hold your peace. Viruses