Correction: Secretary Cardona* Watch the A Tech Lawyer's Guide to the Legal & Ethical Nightmare of AI | Digital Dolezals here: kzread.info/dash/bejne/iX2hysWiiZXbmMo.html

@334LIVING

Жыл бұрын

You seem to be against Trump, but he was the only person to do something about student loans. I bet you voted for Biden, when you had a president actually working on the debt. He paused the debt and dedicated a part of his cabinet to actually work on the issue. Biden has done zero, why should anyone listen to any of your advice. You make decisions out of emotions not logic.

At 37 years old, one of the best decisions I even made was not attending college. For years though I really struggled with not having a college degree and felt like I was missing something until my friends started asking me how I was maxing out my 401k, Hsa, and Roth IRA. Im a senior hvac tech making low 6 figures with no debt. My wife who is from Nigeria has a comped science degree but no student debt. It’s such a blessing to be debt free. Im truly grateful.

Thanks for this! I was able to get the PSLF and the rest of my loans were forgiven for public service as a Professor. With this one there is not a salary cap, but you must be making payments for 10 years straight based on the income, no matter how high or low. 3 full years were waived in the 10 years due to COVID, so ALL gone!

@wndrss99

Жыл бұрын

Me too. I cried like a baby a few months ago when the Rep told me I was done. I follow your page too (pre-pre COVID).🙂

@kawaiiavril1658

Жыл бұрын

That is awesome and love your channel by the way!

@WinenChill

Жыл бұрын

Congratulations! I know that must feel like a huge relief 💛

I've been making loan repayments into a high yield savings account since the pause. While it's in there, it will be generating 4 percent interest and growing until I can dump it all into my loans once interest starts again.

@lacasadelmango8712

Жыл бұрын

This is a really smart move!!

@theflowers999

Жыл бұрын

been doing the same! grateful to be in a place where i'm not panicking about payments resuming...cause I know a lot of people just won't have it 🤷‍♀ lesson learned, never trust the govmnt to follow thru on their promises

@lacasadelmango8712

Жыл бұрын

@@theflowers999 I am also grateful to be in a position where I was able to keep making payments throughout the pause and my job matches up to $5,000 a year. You can really never trust the government!

@aliatv8651

Жыл бұрын

😯😯which I would’ve seen your comment like forever ago! Great idea!

@haute03

Жыл бұрын

I've been doing the same!

I wish they would’ve never put that lil hope of cancellation out there only to take it away 🥴

@russellpearce3749

Жыл бұрын

President biden never had the authority to do it in the first place. And if you haven't figured it out yet it was a vote buying scheme he. Was paying you to vote for democrats? How does it feel to be bought and paid for? Welcome to the democrat plantation

i will be paying off my entire student loans in one lump sum once the pause ends bc i've been able to save up in the last 2-3 yrs. but then i won't have any savings and i'm basically hoping that things just go well the next few yrs so i can save up again for emergencies. i absolutely cannot let interest accumulate on these loans otherwise i'll be in debt forever!

I just started feeling like I got a handle on my private student loan and could see the light at the end of the tunnel. Now they’re going to reintroduce the federal ones. This is stopping me from being able to buy a home and have children. Devastating to say the least.

@Kissmycrown

Жыл бұрын

I encourage you read the book “debt the first 5000 years “ it will really free you of your mindset against debt student loans are not the end of the world you can still have a home and a family

@theclown888

Жыл бұрын

Take a loan, pay it back.

I was finally able to get my student loans forgiven this month $223k

@NovScrp

Жыл бұрын

Please tell how 😊

@WinenChill

Жыл бұрын

Congratulations 🥳 🥳 🥳

@melliegotsoul

Жыл бұрын

following this

@Elmire802

Жыл бұрын

How 🙏🏽🙏🏽🙏🏽 ???? The customer service from NAVIENT is driving me crazy .. and it is only $5588 G.

@LoveAndSnapple

Жыл бұрын

Commenting for the follow up answer. 👀

Congratulations, the trifling student loans are almost halfway paid off!!!

Canada has adopted a permanent interest removal on all student loans which makes me very happy!

@jessicavarona8099

Жыл бұрын

Oh Canada! If only our government had some sense

@Sunshine4

Жыл бұрын

@@jessicavarona8099 Truly! We have some hateful folks in elected positions...

I've been saving my payments instead of sending them. Am still holding on to hope 😂 but the money is there for when those hopes get crushed

@ItsMsAliciaNicole

Жыл бұрын

Same I have enough to pay it all in a lump sum payment but still want the $10k first if at all

I paid off my student loans during the pandemic, but I got some of it refunded. I've kept it in a savings in the event the Supreme Court decides not to forgive the loans so I can return the money if need be.

I have been out of school for over 10 years and after paying the minimum my balance was at $42k. Before the pandemic, i sold my car and concentrated on using all my extra coins to pay loans down. The supplemental unemployment gave me a good headstart and helped to get me to today's balance of $12k! 😊I want to have hope that SCOTUS will do the right thing and wipe away that 10 for me but it ain't lookin' good😢

Hi Stephanie!!!! I have still been going with my student loan payoff journey!!! Today’s balance sits at $69,800 after starting at $176,667 and 87 trifling cents in October 2021!!!Thanks for sharing in the video!!🎉🎉🎉🎉🎉🎉

@stronggiftfromgod

Жыл бұрын

Wow congratulations!!!

@vbb8948

Жыл бұрын

@@stronggiftfromgod Thank you🎉🎉🎉

Hi Stephanie! I sent you a message on instagram, but I’ll do it here as well. I really want to thank you for these videos. A while back you told us about the list of schools that we could potentially get our loans forgiven (borrowers defense fund). Well a year and a half later, all of my $70k in grad school loans are forgiven. I don’t even know if I would’ve know about this if it weren’t for your video. Thank you so much from the bottom of my heart!

@WinenChill

Жыл бұрын

Congratulations Toni!! I’m so slow on insta, so I’m glad you sent it here!

@stepahead5944

Жыл бұрын

Which video is this? Sounds super helpful.

@toni_angel79

Жыл бұрын

@@stepahead5944 it was a long time ago…maybe a year and a half ago about student loans. I know for sure she was still practicing law at the time.

@lifewithangelina92

Жыл бұрын

Thank you, let me go look for that video ❤

I paid off my student loan today!!!!!

@stronggiftfromgod

Жыл бұрын

Wow! Congratulations!

@kindredkey

Жыл бұрын

congratulations! how does it feel to be a free person?!

@fleetfinance

Жыл бұрын

@@kindredkey thank you. I been paying it for so long. But it feels great!!

@fleetfinance

Жыл бұрын

@@stronggiftfromgod thank you!

I guess they’re gonna get it out of my bones. I make a measly 48k and I owe 270k ( of which 102k is predatory interest). No matter how much I might want to, I couldn’t possibly pay it off. 🤷🏽‍♀️ I work in social services. Don’t come at me with the “you should have thought about that before you borrowed blah blah… I never borrowed 270k. I expected to make more money (I have a Master’s Degree). It just didn’t work out that way.

@stronggiftfromgod

Жыл бұрын

Have you looked into the Public Service Loan Forgiveness program? If you work in the government or a nonprofit you could benefit greatly! I sure did that’s how mines were forgiven!

@russellpearce3749

Жыл бұрын

Predatory interest you walk into a den of lions knowing they're in there. You don't have the right to complain when you get eaten. You are made aware of the interest at the time you made the loan you accepted the predatory interest

I am thrilled for you. I can't wait until your loans are all paid off. I celebrate for you. I don't see an end for mine. Two of my three household incomes have been lost recently, so not paying my loans (and navient never got that forbearance because i went to school in the 90s.). BUT...I got a nice email from them today, they are giving us a forbearance month because of the Fort Lauderdale floods. Horray, my loan payment is no longer late!!!!!!!

The fact that I don’t even know how to log in to see my balance anymore 😢😂

@shedocs

Жыл бұрын

Yo I was just thinking this 😂

@Tajmaj

Жыл бұрын

Same tbh and they transferred my loan carrier so I have to make a whole new login which is less enticing

I was looking for a High Yield Saving account and was considering SoFi until I saw them sueing to reinstate student loan payments. That's gonna be a no from me.

@jessicavarona8099

Жыл бұрын

Try Marcus by Goldman Sachs

@abisolaa4367

Жыл бұрын

Same!

I always log into my Aidvantage account during your update videos and laugh at the amount. I thought about getting a side gig to solely fund paying off my student loans

@kerenhaiweha6257

Жыл бұрын

Honestly… I truly have considered it.

@WinenChill

Жыл бұрын

Now the next time I log in I’m gonna laugh too at how ridiculous it is 😭

@suneegrl

Жыл бұрын

Me too, because I feel like that might be the only way

@ebonyevaughn

Жыл бұрын

This is what I’m doing. I’m a full time digital nomad and I started a YT channel for my travel content. The money I make from YT ads on both channels plus travel guides I sell go towards my SLs.

@nicholeknight1893

Жыл бұрын

I just graduated. I'm going to buckle down and figure mine out. Getting a second gig just for those loans 😢

Thanks for the update! I’m going to see where my balance is now and make a plan to prepare for September. I think I may need a second job to be able to afford both rent and the student loan payments.

i hope that you can finish your payment journey soon you make my day and im learning a lot

Thank you so much for keeping us up to date on this. I appreciate you so much!

Thank you for the videos Stephanie! Love your channel. I’m about to graduate in two weeks and start working full time in August. I was fortunate enough to go to an in-state school and attend college for 5 years on the financial aid package they offered me. Now I have about $20-25,000 in subsidized student loans that I need to make a plan for paying off. I’m not too worried as long as I keep my job, but your videos definitely help me plan and get motivated to tackle this debt!

@WinenChill

Жыл бұрын

You're welcome Annie! That's about the same amount I graduated from undergrad with. You're in a great position to pay them off with hopefully not too much stress 💛

I haven't started paying on my student loans yet. I've always worked dead end part time jobs and have never made enough to make a decent monthly payment. But, I did create a budget for myself a couple weeks ago and so far I'm trying to make it fun. I just need to look at my student loan account and see what I can afford to pay back with the job I have until something better comes along.

Thank you for the update, love your channel!

I was suppose to start paying my student loans last year. I wrote everything in my budget, but ummm yea 😂😂😂. LIFE BE LIFEING! Do you have a video of the spreadsheet for tracking the payoff journey or what method are you using (snowball or avalanche) to pay off your loans?

Higher Education...should👏 be👏 free👋

@youngjedi5599

Жыл бұрын

If that was the case then it would be pointless and worthless. If higher education was free we wouldn’t be in this situation.

I am an educator and I received notice that with the PSLF program all my loans have been forgiven!!’n🎉🎉🎉🎉

@stronggiftfromgod

Жыл бұрын

Woohoo congrats!!!

I only have $20,000 in student loan debt from scamming trade schools. After that I made a promise to myself that I shall pay out of pocket for my education. Long as I continue to take it one semester at a time, It is actually easy paying out of pocket each semester. Even if you need to get on a payment plan for the semester, I suggest all new college students not to get student loans and only take courses that you actually need for your program. Work a part time job while you are in school. Trust me it’s doable. If I can do it with 3 children and a spouse while working a part time night shift just to pay for my day time classes, anyone can do it.

@AG-hc1sw

Жыл бұрын

I believe if you went to one of those trade schools, you can get your loans forgiven up to $90,000 if the school that you went to didn’t provide you the accreditation or certification to be able to really pursue that trade and if the school didn’t live up to its promise

Thank you!!!!! We appreciate you ❤

My mom and good friend got theirs forgiven. I am so happy for them. I have not paid a dime. Sad I know, but I like your tips

Good luck on those student loans. My prayers are with you

I requested my pause payments back in January 2023, still haven’t received. I also got a letter saying I was approved for the SWeet lawsuit which means I get all payments back and student loans wiped off my credit report. In addition I met my 120 PSLF in March 2023. They haven’t done anything as of today. I have contacted Mohela many times about this. Yesterday I filed a case with the California state DA office.

@NaturallyLluvme

Жыл бұрын

I pray you can get through.

Random af and totally off topic, but you are glowing in this video. You're a very beautiful woman!

@334LIVING

Жыл бұрын

See you are the type of person that should not have a vote in this country. Most women should not be able to vote.

Thank you soooo much for the steps 😭😭😭

@WinenChill

Жыл бұрын

One step at a time 💛

Ma’amMa’am this all sounds great in regards to the student loans payments. As much as I would love to budget that into my life, I just can’t. I am in the hell Pitt of poverty. 🙄 Im playing any many miny mo with the bills I have now.

I still owe 23k and qualify for the 20k. This would essentially wipe out my balance. I kinda wish that when the payments resume, they keep it at zero apr for a bit longer. That way the sting of paying again wont be as bad

Hi Steph, thank you for writing the amounts that you have paid in student loans. Some of us have a hard time visualising big numbers.

I started off with $42,000 in student loans, got them to $37k before the forbearance was granted, and now I’m at $16,000. I looked at all my loans and had their interest rates written down, and paid off the higher interest rates primarily. What was 12 loans is now 5 left, and it will be 4 remaining next month. I plan to have them paid off in the next two years, instead of the raggedy “Estimated pay off date of August 2028.” 🙅🏾‍♀️

Great video as usual Stephanie!! Entertaining and informative. I have been paying my loans the whole time too. I am also on a debt free journey, so the student loans are the last part after the credit cards and personal loan payoff!!😊

@stronggiftfromgod

Жыл бұрын

Nice!

One question I have is - what will repayment look like after September? Will it be the same as it was before? Might be worthy to discuss what this new era of repayment might look like.

Woo new video!

That's an awesome cut down on the student loan. I am almost done 10k off my student loan. I'm budgeting and staying consistent. 35k more to go.

Good advice. I will log in and take a peek…

I need to do this and add it to my budget but girl i owe 60k and i can't even get to this as a salary. Smfh. Its highkey depressing smfh

I'm definitely taking your advice to pay off these loans

Where is your top from! Thanks for all the great content! Blessings your way.

Thanks!

@WinenChill

Жыл бұрын

Thank you so much 💛

I have lead 3 strikes for Contra Costa County, Ca. Our last one was over 10,000 people for 14 days. We shut the county down and got what we were asking for.

@ItsMsAliciaNicole

Жыл бұрын

This is my county! What were the strikes for?

I got PSLF so my loans were forgiven a few months ago and it feels amazing! 81k forgiven! Of that amount I wanna say 20k ish was interest smdh. Good luck everyone!

@stronggiftfromgod

Жыл бұрын

Congratulations!!!

Thank you for reminding me that I need to make a student loan payment

thanks for the advice sis! this student loan shit… lol smdh

That judge Judy meme be me 😭😫

Hey Stephanie. I’m late but appreciate everything you do. So thank you

@WinenChill

Жыл бұрын

Thank you & I appreciate you!

Yes I’ve been looking at it for 20 years 🤣

Absolutely LOVE your content, but ma'am the people need you to start tagging where you get your cute tops and earrings from :') You are the cute top + statement earring lady and I'm here to take notes on that too

I paid off a private one 🎉 However the Fed one still hangs over me. I've been making payments the entire time because reasons I won't go into in case it becomes a thing later. Good news is I am still whittling it down

Congratulations on your payment progress. I have also paid a similar amount over the life of my loan, but my overall balance is a bit higher because I (unfortunately) refinanced back in 2018. Luckily my interest is low.

Thanks for the update: I'm at $43K of $167K I refuse to acknowledge the trifflin' cents 😁... Should be paid up in a year. I will take any interest free time that they will give to me! Oh, and I did the math on what I borrowed VS what I'm now paying and come to find out $67K was predatory interest! GAH! If I didn't have to pay interest I'd be done. Guess this is what stupid tax looks like... I appreciate your honesty and transparency.

Hopefully the economy is stable you still have a job after x amount of years, and live long enough to pay it off before retirement. By that time your have zero assets accumulate and therefore work longer, and that’s is assuming your still making the same income in the future, which is why we are in this problem to begin with, and I can speak on this cause I have a Econ degree, but opt-out of my Ph.D & Econ Master. Financing Higher Edu is a scam plain and simple. The cost do not meet the benefits let alone exceed it!

They could at least stop the interest

Just made a payment today! Slowly but surely

Dont know why i got recommended this but since i live in NY and eat grapes lol....they are $3 a pound in l.i. gotta do what ya gotta do for the 🍇

Ive been putting my minimum payment on the "estimated bills" section for 2 years. Now its gonna start having to be on the "Actual Amount" section 😭😭😭. Im just lucky that i had a parent who cared about saving for college. My student loans are pretty low. Hopefully I can pay them off soon 🙏🏾

You should do haircare/beauty content. I don't know if the ship has sailed ,but the beauty influencers used to make bank!

@voguehaven5154

Жыл бұрын

ship has sailed. there's more to life than make up and hair.

@lemoncat9213

Жыл бұрын

@VogueHaven yeah there's more to life but it's also fun. Ship might have sailed on KZread though.

@Tajmaj

Жыл бұрын

Finance channels make the most money

@lemoncat9213

Жыл бұрын

@Tajah Jones oh I didn't know that! And people like to follow a financial/debt payoff journey too.

@Tajmaj

Жыл бұрын

@@lemoncat9213 yeah think from sponsors and so forth atleast that’s what I heard from other KZread videos but she doesn’t seem to have ads or sponsors so idk

WHERE HAVE YOU BEEN MY WHOLE LIFEEEE?!?!

What website is it again where we can see which representatives are fighting against scearios as such?

My daughter got a loan forgiveness letter last September due to low income. Are the Republicans trying to reverse that as well?

I don’t have student loans and still found this fascinating. Thanks for helping me keep up.

7:12 how detrimental would a wga strike be? I mean come on!

Can you please do a video on danileigh recent DUI arrest

looked at the plan! 😂😂😂😂😂

@WinenChill

Жыл бұрын

For a whole year 😂😭

You’re cute the way you’re explaining the whole thing❤️❤️❤️🤗🤗🤗🤗😊😊😊

Skip to 9:00

Do you automate your payment? Since you know your going to pay $500 is it paid automatically?

I’m going to start paying on my Loans next week. Smh

@CreditCoachQ-myyt

Жыл бұрын

Creditmeasures- GmaiI

@CreditCoachQ-myyt

Жыл бұрын

Rr

Wow 😮 😨 6figure education costs. Jesus Christ. That’s Absofuckinglutely ridiculous. Meanwhile in Cuba it’s near nil and produce some of the best medical doctors.

@CreditCoachQ-myyt

Жыл бұрын

Creditmeasures’ GmaiI

Yea it’s a hit or miss on the grapes lately.

My student loans have been paid off for over a year now. My recommendation would be to pay something because something is better than nothing. I've contemplated about creating a KZread channel focusing on news/personal finance. I've been able to become completely debt free and over time accumulated assets. I have a small positive net worth and I'm happy to share my journey on how I got there

yh. I had to mourn the death of creative fields as AI will soon take them over. Very upsetting as that means the major I just graduated with is only half as valuable.

@CreditCoachQ-myyt

Жыл бұрын

Creditmeasures GmaiI’

@CreditCoachQ-myyt

Жыл бұрын

E

You do know the payments you don’t make are still credited as you actually paid them….

Get ready to pay "your" debt...

Toasting a glass of wine to your student loan debt?

In 2008 the world crashed. I tried to consolidate my private loans to one affordable payment. I was yelled at on the phone by a sallie mae rep that they were going to garnish my wage and I'd sleep on a park bench the rest of my life. Now I wasn't late but the payment they wanted to start me on was more than I made. I got a lawyer who got me a zero percent, my credit was trashed that year, but I could afford the payments. The debt collectors changed 3 times. I tracked every payment. I was threatened with court all 3 times they changed hands. Anyhow fast forward to 2023 and the privates are now paid off. Tracking with proof and the one time hit to my credit felt like a failure in 2008 but it was truly a blessing. I have the letters from Navient who took over my sallie mae loans as proof. But 300K is now off my credit.

@ube4856

Жыл бұрын

How is was your student loans 300k? If you don't mind me asking. That seems like such a huge insane amount.

@Victoria_Pinder

Жыл бұрын

@@ube4856 Sure so twofold...private school. $120K actual tuition And second when I was forced into default without ever actually missing a payment I am pretty sure default came with horrible, horrible interest that was part of the price I had to pay back. However having that noose around my neck upon graduation sucked. But I paid monthly and now it's finally gone.

They will keep telling you they will forgive so you keep voting Blue. There is not debate forgiveness.

Yall... I've been saying. Let's get it ALL canceled. Vote for Marianne WiIIiamson, and we won't need to drink wine when we talk about finances!😂❤

Damn where y’all went to school for bc ummmmmm…. I got no debt at all😂😂

Take a loan, pay it back.

Seems like y’all made the same mistake….

Students should pay their bills, the supreme court should not uphold the theft of money from citizens to pay the loans that others took out. Should taxes pay my car loan? I need a car to get to work. ....

@jadewalker1355

Жыл бұрын

"Should taxes pay my car loan"? People do it all the time, it's called Bankruptcy.

@RebelRouserEsq

Жыл бұрын

*eye roll* Borrowers ALSO PAY TAXES.

@sunshinelove1593

Жыл бұрын

You need to worry about all the politicians who got their PPP loans forgiven! You guys always worry about the wrong thing! Ma’am..,

Let’s go Brandon 🫠