Podcasts about IBR

The Senate just dropped its version of the student loan reform bill, and let's just say… it's not great. In fact, it's worse than expected, especially if you have six-figure student debt, Parent PLUS loans, or are a future student. Learn what's at stake, how it could completely reshape repayment options, and who (besides private lenders) might come out ahead. More importantly, you'll learn what you can do now to protect yourself if the bill moves forward. If student debt is part of your financial life, don't miss this one.   Key moments:   (00:52) SAVE and new IBR borrowers could be forced into old IBR under the Senate bill (02:18) New rules could turn marriage into a major cost for student loan borrowers (02:48) Parent PLUS borrowers face the harshest penalties under this proposed legislation (07:14) Future borrowers need a plan before taking loans after July 2026 under the new rules (09:18) There's still a whole lot that you can do if you're an existing borrower   Links mentioned:   StudentAid.gov - The official federal site for consolidating student loans   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Clark County Today Editor Ken Vance scrutinizes the C-TRAN Board's stance on covering $7.2 million annually for TriMet's light rail operations, despite an admission from IBR's Greg Johnson that other funding options exist. https://www.clarkcountytoday.com/opinion/opinion-why-would-c-tran-board-members-put-the-agency-on-the-hook-for-7-2-million-annually-if-they-dont-have-to/ #CTRAN #LightRail #ClarkCountyPolitics #KenVance #VancouverWA #IBR #TransitCosts #PublicSpending #ClarkCountyWa

Eid-ul-Adha 14469th Dhul Hijjah 1446June 6, 2025* Eid al-Adha commemorates Prophet Ibrāhīm's (a) success in fully submitting to God's will, highlighting that Islam means the struggle to surrender.* Ibrāhīm faced two key challenges in his final test: internal (love for his son) and external (Shayṭān trying to deter him three times).* The three pillars stoned at Mina represent these diversions by Shayṭān; on a deeper level, they symbolize the internal and external obstacles to submission.* The first pillar represents the evil within (nafs ammārah), the second represents devils among jinn, and the third symbolizes satanic human influences.* Ibrāhīm was victorious over Shayṭān because he had already purified his soul, fulfilling the verse “successful is he who purifies it.”* Eid al-Adha teaches us, even outside of ḥajj, to be vigilant against internal and external satanic forces.* On the first day in Mina, only the first pillar is stoned before sacrifice—showing that defeating one's own nafs is necessary to sacrifice sincerely.* Pilgrims throw 49 pebbles total across the days, symbolizing the 49 major sins in Islamic teachings—each pebble representing a dimension of evil.* We should self-reflect and identify at least seven negative traits to begin the path of spiritual purification.* While we celebrate Eid, we must not forget oppressed Muslims like those in Gaza, and we pray for the reappearance of the Mahdī to establish true justice.Donate towards our programs today: https://jaffari.org/donate/Jaffari Community Centre (JCC Live)

Robert Wallis delivers a sharp critique of the IBR project, asserting that government deceit and profit-driven consulting have eroded public trust. https://www.clarkcountytoday.com/opinion/opinion-the-ibr-project-is-a-perfect-example-of-why-less-than-25-percent-of-americans-do-not-trust-government/ #IBR #RobertWallis #WSDOT #I5Bridge #ClarkCounty #Transportation #VancouverWA #Opinion #GovernmentTrust #Infrastructure

Joe Cortright of the City Observatory explains how ongoing delays in the IBR cost estimate signal an impending $9 billion-plus price tag and the fiscal and political challenges facing Oregon and Washington. https://www.clarkcountytoday.com/opinion/opinion-another-delay-for-higher-ibr-costs/ #JoeCortright #IBR #InterstateBridge

Bob Ortblad argues that the IBR program fraudulently dismissed a tunnel alternative and compares the 520 Portage Bay Bridge and the I-5 Bridge designs. https://www.clarkcountytoday.com/opinion/letter-520-portage-bay-bridge-vs-interstate-5-bridge-replacement/ #ClarkCounty #localnews #I5Bridge #immersedtunnel #bridgecomparison #SR520 #PortageBayBridge #VancouverWA #opinion #constructioncosts

Kencan Dengan Tuhan - Kamis, 29 Mei 2025Bacaan: "Dan apakah lagi yang harus aku sebut? Sebab aku akan kekurangan waktu, apabila aku hendak menceriterakan tentang Gideon, Barak, Simson, Yefta, Daud dan Samuel dan para nabi, yang karena iman telah menaklukkan kerajaan-kerajaan, mengamalkan kebenaran, memperoleh apa yang dijanjikan, menutup mulut singa-singa." (Ibrani 11:32-33) Renungan: Seorang pahlawan biasanya adalah orang yang menonjol karena keberanian dan pengorbanannya di dalam membela kebenaran, atau seorang pejuang yang gagah berani. Banyak orang, khususnya bagi mereka yang merasakan dampak positif dari kepahlawanannya akan mengakui dia sebagai "dewa penyelamat" dalam kehidupan mereka. Berbeda dengan apa yang dialami oleh Yefta. Alkitab mencatat bahwa Yefta adalah seorang pahlawan, bahkan disebut sebagai pahlawan yang gagah perkasa. Tetapi, yang dialamı Yefta sungguh berbeda dengan apa yang seharusnya dialami oleh seorang pahlawan. Yefta menerima perlakuan yang menyakitkan dari saudara-saudaranya. Yefta diusir oleh saudara-saudaranya, padahal sejak kecil mereka hidup dan bertumbuh bersama. Ini disebabkan karena Yefta adalah anak seorang perempuan sundal. Saudara-saudaranya menyebut Yefta sebagai anak perempuan lain, suatu sebutan yang menyakitkan, sebab istilah "perempuan lain" biasanya digunakan untuk menyebut perempuan non-Yahudi. Yefta lahir di luar ikatan perkawinan yang sah. Setelah besar, saudara-saudara Yefta sadar bahwa Yefta tidak berhak mendapat milik pusaka dalam keluarga besar mereka. Sekalipun keberadaan Yefta seperti itu seharusnya saudara-saudaranya tidak perlu mengusir dia. Ini berarti apa yang dialami oleh Yefta sangat menyakitkan, karena Yefta bukan saja tidak mendapat milik pusaka, tetapi juga tidak mendapat tempat di rumah dan di hati saudara-saudaranya. Oleh karena itu Yefta melarikan diri dari saudara-saudaranya, yang akhirnya membawa dia ke tempat di mana orang-orang bisa menerima dia. Sayang sekali, mereka yang bisa menerima Yefta adalah para perampok, orang-orang yang juga tersisihkan dalam kehidupan sosial mereka. Tetapi, kisah Yefta tidak berhenti sampai di sini karena pada kisah-kisah selanjutnya kita dapat melihat Tuhan mengangkat kehidupan Yefta dan menjadikan Yefta seorang pemenang. Kisah Yefta mengungkap sebuah fakta bahwa seorang buangan tidak harus tersisihkan dalam kehidupan rohaninya, sebab di dalam kitab Ibrani Yefta diakui sebagai salah seorang pahlawan iman (Ibr 11:32-34). Kisah Yefta juga mengungkap sebuah fakta bahwa seorang yang mempunyai latar belakang atau masa kecil yang tidak menyenangkan tidak harus mengalami kegagalan di dalam hidupnya. Orang-orang seperti itu bisa juga berhasil dalam hidupnya. Ini merupakan satu pelajaran penting dalam kehidupan orang percaya. Jika kita adalah orang yang berlatar belakang kurang menguntungkan dan hidup kita disia-siakan oleh orang lain, jangan gelisah dan kuatir. Bangkitlah, yakinlah bahwa Tuhan sedang memproses kita untuk meraih keberhasilan dan masa depan yang gilang-gemilang. Tuhan Yesus memberkati. Doa:Tuhan Yesus, aku tidak menyesal untuk keberadaanku meskipun buruk menurut manusia, karena Engkau akan mengangkatku pada waktunya. Amin. (Dod).

The Repayment Assistance Plan, aka RAP, is another student loan overhaul, and people have a lot of questions. Learn what this plan actually is, why it matters right now, and the real chances of it becoming law. If you're wondering when or if you could switch to this plan, we've got you covered. The RAP might completely change how student loan repayment works. We're unpacking all the details and what you might want to keep in mind if you've got loans. Key moments: (03:55) If you're close to forgiveness, sticking with IBR will probably make more sense (05:16) This administration is rushing student loan changes before finalizing regulatory details (09:59) There's still a long way to go, and some Senators just want to bring back REPAYE (13:08) Graduate professions would lose diversity if only students from wealthy families could afford them   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Washington State Rep. John Ley is sounding the alarm over TriMet's high-priced light rail vehicle demands for the IBR project, urging a full review and better alternatives. https://www.clarkcountytoday.com/news/trimet-seeks-190m-290m-for-interstate-bridge-light-rail-vehicles-charging-taxpayers-up-to-15m-per-vehicle-triple-the-4-5m-cost/ #ClarkCounty #localnews #JohnLey #TriMet #InterstateBridgeReplacement #IBR #MAXLightRail #publictransit #taxpayerfunding #transportation

Bob Ortblad urges the IBR to stop relying on fear and instead consider cost-saving, seismic-resilient options like immersed tunnels. Read his full argument. https://www.clarkcountytoday.com/opinion/letter-ibr-has-relied-on-this-video-to-instill-fear-in-the-public-and-government-officials-to-promote-the-construction-of-a-new-bridge/ #ClarkCounty #localnews #IBR #infrastructure #immersedtunnel

In his latest column, Editor Ken Vance questions whether IBR officials are doing enough to contain the escalating cost of the bridge replacement project. https://www.clarkcountytoday.com/opinion/opinion-im-more-than-just-a-little-skeptical-that-ibr-officials-are-doing-everything-they-can-to-limit-the-cost-of-this-project/ #ClarkCounty #localnews #IBR #transportation #KenVance

Greg, a seasoned leader with over two decades in transportation, both in the public eye and behind the scenes, has been crafting the future of how we move. From Maryland to Michigan, and now right here connecting Oregon and Washington, Greg is pioneering the new Interstate Bridge to not just stand up to seismic shakes but to open economic avenues in ways we've yet to see.But Greg's not just about beams and bolts; he's pushing for a bridge built by the many and for all—a workforce reflective of the community it serves. Greg is a pioneer, taking the helm on the Interstate Bridge Replacement Project and opening up the economic revenues in ways that we've never seen.Tune in to this episode of Black Beat Podcast with John Washington and Fawn Aberson who speak with Greg Johnson about:How the IBR program is addressing environmental justice concerns these projects typically raise in affected communitiesThe impact the new bridge will have on the communities of Portland and VancouverThe legacy the Interstate Bridge will leave for future infrastructure projects nationwideThank you for being a part of our show where we take pride in improving people's perceptions of capability, significance and influence in their lives and in their communities.

Got student loan questions weighing on you? You're definitely not alone. This week, we're opening up the Student Loan Planner mailbag to tackle some of the most pressing issues borrowers are facing. Should you switch IDR plans? Is Public Service Loan Forgiveness (PSLF) buyback the right move? We also address the very real frustrations with federal loan servicers — the long hold times, the inconsistent information, and the impact of staffing shortages. Beyond that, we'll cover practical tax filing strategies that could lead to significant savings, how to identify potential calculation errors in your loan details, and offer an update on the ongoing delays with forgiveness applications. If you're ready for clarity on your student loans, this episode delivers the answers you need in 2025. Key moments: (04:37) Stressing about interest accrual could be counterproductive on your path to loan forgiveness (07:45)  The PSLF buyback steps, and remember your qualifying payments don't need to be consecutive (16:53) Despite common talk of "old" and "new" IBR, there is technically only one Income-Based Repayment plan (26:07) A payoff strategy for a high-income physician facing loans without PSLF (43:33) Military families face unique PSLF considerations, with state residency affecting community property rules Links mentioned:  Income-Driven Repayment (IDR) Plan Request PSLF Help Tool Compare refinancing lenders   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

What's coming for student loans over the next 3.5 years? There is a lot more than you've been told. Are there actually going to be changes? In this live stream, we're unpacking everything: ✅ The shift from the Department of Education to the SBA ✅ Proposed changes to IBR and the future of IDR plans ✅ The risk of PSLF disappearing as non-profit status comes under fire Are these real threats or just headlines. Whether you're chasing forgiveness, aggressively paying off debt, or somewhere in between… the next few years will separate those who plan from those who panic. We'll also cover: – What these changes really mean for new grads and borrowers – How to avoid the blind spots that trip up most borrowers – The steps you can take today to adapt before it's too late Oh and by the way, I also touch on tariffs....

The Department of Education dropped a bombshell announcement that would've killed a loophole strategy many of you use to keep your student loan payments manageable, only for the agency to quickly walk it back after public outcry. What actually happened? Was this ED deliberately trying to break the law and eliminate the married filing separate option, or was it just an honest mistake? You'll hear the latest on how advocacy, lawsuits, and a fair bit of confusion among government officials have shaped repayment, and what it means for your student loan strategy (spoiler: the loophole lives... for now).   Key moments:   (01:58) The income-based repayment (IBR) married filing separate rule is actually written into federal law (05:08) Department of Ed issued a corrective statement claiming the announcement was a mistake (07:15) Recertification dates extended, creating confusion around timeline requirements (09:57) Despite complications, there are positive developments worth highlighting for borrowers (10:58) House GOP advances budget reconciliation bill that could impact student loan programs     Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

The Department of Education just dropped a negotiated rulemaking announcement, and while it might sound like dry policy talk, this one's worth your attention — especially if you're pursuing Public Service Loan Forgiveness (PSLF), on Pay As You Earn (PAYE), or using Income-Contingent Repayment (ICR). Learn what negotiated rulemaking actually means, why it matters, and what kinds of changes could be on the horizon for federal student loan repayment. We'll also walk through the strategy behind these proposed updates, what the timeline might look like, and the political and legal dynamics that could affect how this all plays out. Key moments: (03:20) My initial take: borrowers don't need to panic just yet — and here's why (05:35) What these changes could actually mean for PSLF borrowers (06:59) PAYE and ICR might be affected, but IBR is protected by statute  (10:49) The GOP proposal targets nonprofit hospitals, but I don't think it'll go anywhere (12:34) With 2026 elections in sight, student loan overhauls will probably stay pretty modest Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

The IDR recertification deadline has been pushed back again — this time, to no sooner than February 2026. And while that might sound like good news on the surface, we know it brings up a ton of questions. That's exactly what we're unpacking in this episode.   If you're on an income-driven repayment (IDR) plan or even thinking about it, tune in as we answer listener questions about what the new extension actually means for your monthly payments, whether it makes sense to start paying again now or keep riding the pause, and how this might (or might not) affect forgiveness programs down the road. Get insights and practical strategies to stay on top of your plan without going into a tailspin.   Key moments:   (00:31) Why it's important to be extra careful filing taxes this year (02:57) Paper vs. online IDR applications and why some are mailing backups (11:24) If you're in the Sweet v. Cardona group, is IBR worth it? (13:15) PSLF questions around buyback, forbearance, and filing a tax extension (19:35) What we know about the ongoing IDR application processing delays   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Questions? Thoughts? Send a Text to The Optometry Money Podcast!The student loan landscape is shifting again! In this episode, Evon breaks down the latest updates on the SAVE Plan, the recent court rulings, and what these changes mean for optometrists navigating their student loan repayment.With major legal challenges in play, borrowers on SAVE are currently in interest-free forbearance, but the future of the program remains uncertain. Evon unpacks the key takeaways from the recent 8th Circuit Court of Appeals decision, discusses potential next steps, and shares what optometrists should consider when making student loan repayment decisions.What You'll Learn:✅ Background on the SAVE Plan & Legal Challenges – Why the courts put SAVE on hold and what's next✅ What This Means for Optometrists – How the latest rulings impact those on SAVE, PAYE, and IBR plans✅ Should You Switch Plans? – Factors to consider before making a move✅ Tax Strategies for Student Loan Borrowers – Filing tips to optimize student loan repayment✅ Preparing for Uncertainty – Practical steps to protect your financial futureKey Takeaways:

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey!   OAM Website https://www.outofashesministries.org/podcast/GIVE: https://www.outofashesministries.org/giveYouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50CApple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 175- The Special Shabbats You NEED to Know About appeared first on Out of Ashes Ministries.

The IDR and loan consolidation applications are down, repayment plans are shifting, and court rulings are throwing everything into question. If you're feeling stuck, you're not alone. Learn why the Department of Education is reworking the IDR and PSLF applications, what this means for your loan strategy, and how to make smart decisions despite the chaos. We'll also tackle listener questions about PSLF timing, repayment plan changes, and what potential policy shifts could mean for your forgiveness path. Key moments: (04:38) What the court ruling means for PSLF and ICR borrowers (07:16) Will my loans be forgiven? I'm two payments away from forgiveness and not IBR eligible (14:51) Is my income too high to qualify for financial hardship? (19:24) Do my Parent PLUS loans qualify for PSLF forgiveness? (23:06) What is the student loan “tax bomb” and will I have to pay it? Link mentioned:   Request an income-driven repayment plan   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

TriMet expects passenger fares to cover only a quarter of the projected $22 million in annual IBR transit costs, leaving Washington state to shoulder much of the financial burden. With passenger fares making up just 8 percent of TriMet's revenues, the funding model remains a key issue. Read the full story at https://www.clarkcountytoday.com/news/trimets-need-for-clark-county-funds-questioned/ www.ClarkCountyToday.com #InterstateBridge #IBR #TriMet #passengerfares #transportationfunding #ClarkCountyWa #localnews #VancouverWA #CamasWA #BattleGroundWA #WashougalWA

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 174- Developing Wisdom appeared first on Out of Ashes Ministries.

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 174- Developing Wisdom appeared first on Out of Ashes Ministries.

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 174- Developing Wisdom appeared first on Out of Ashes Ministries.

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/95YEtHZ6NQs OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 173- You Are a Tree of Life appeared first on Out of Ashes Ministries.

The student loan landscape is a mess, and if you're feeling overwhelmed, you're not alone. In this episode, we break down the latest on IBR, PAYE, and SAVE—what's changing, what's staying the same, and what you need to do now. We also tackle the growing rumors around PSLF, set the record straight on how President Biden actually did succeed in delivering $25K in loan forgiveness (even if it wasn't the way people expected), and clear up some common Roth IRA mistakes that could be costing you big time. If you have student loans, retirement goals, or just want to stay ahead of the financial chaos, this episode is for you. Tune in now! Roth IRA Mistakes video link: https://www.youtube.com/watch?v=aYKF09jz-X8 Protecting Yourself in case PSLF fails: Link Get financial help now. Future you will thank current you. FitBUX Membership

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/GUYE2e2W1iY OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 172- The Mitzvah Project: Shabbat Melachah (Part 2) appeared first on Out of Ashes Ministries.

What's next for student loan borrowers in a world of shifting repayment plans and interest rates? Financial planner Sim Terwilliger, CFP®, CSLP®, joins us to break down the potential repeal of the SAVE plan and how it could reshape repayment strategies. We explore why PAYE or IBR might take center stage, when refinancing could make sense, and why it's always a case-by-case decision. If you're PSLF-eligible or unsure how these changes impact your financial future, this episode has the answers you need. Key moments: (01:51) PAYE might be the go-to repayment plan if SAVE is repealed (and we think it will be) (07:04) Refinancing your loans could make sense, but it isn't for everyone (16:08) The trade-offs of refinancing, including losing federal protections (22:30) Why refinancing is a no-go if you're PSLF-eligible Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/J159VkH1tnQ OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 171- The Mitzvah Project: The Melachah of Shabbat (Part 1) appeared first on Out of Ashes Ministries.

Bob Ortblad urges officials to evaluate the IBR's underpass plans and consider alternatives. Visit https://www.clarkcountytoday.com/opinion/letter-south-jackson-street-field-trip on www.ClarkCountyToday.com for details. #InterstateBridgeReplacement #IBR #ClarkCountyWa #LocalNews #UrbanDevelopment

Welcome to BCI Cattle Chat! On this episode we have guest host Dr. Scott Fritz. Our experts begin the episode by discussing IBR and its effects on a cattle herd. Next Dr. Fritz gives some tips on things to look out for when grazing crop stubbles in order to avoid sickness. Finally, Dr. Brad White… Continue reading IBR, Grazing Crop Stubble, Dose Accuracy

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/l7X5DnpbaLc OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 170- The Mitzvah Project: What is Work? (Part 2) appeared first on Out of Ashes Ministries.

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/8BaS1OuloBo OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 169- The Mitzvah Project: What is work? appeared first on Out of Ashes Ministries.

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/FZHAn0919xw OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 168- The Mitzvah Project: Resting on Shabbat appeared first on Out of Ashes Ministries.

This episode is packed with answers to listener questions about student loans. From Public Service Loan Forgiveness rules to spousal consolidation loans, we're covering real-life scenarios that borrowers face every day. Wondering how family size changes affect payments or what to make of new repayment plans? We've got you. Tune in for practical advice, expert tips, and answers to the questions you didn't even know you had. Let's get into it!   Key moments:   (04:07) Tackling spousal consolidation loan headaches and finding a way forward (06:44) Why claiming dependents can impact your loan forgiveness taxes (15:41) Nearing forgiveness? Here's what to know about IBR qualification (18:37) Forbearance confusion: Does processing or administrative forbearance count for PSLF?   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/2FwpfjDsuGk OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 167- The Mitzvah Project- Remembering/Sanctifying the Shabbat (Part 2) appeared first on Out of Ashes Ministries.

In their extreme hubris, humans believe that Luke's admonition, “A tree is known by its fruit,” is nothing more than a proverb about being a “better parent.” But as I explained a few episodes ago, it is a warning that humans can't parent.It is a judgment, a mashal, a rule, a verse, a biblical sign that there is no such thing as a good human parent because the only tree that bears “good fruit” is the wisdom of God.With this in mind, what did you go out to see in the wilderness of Luke 7? Twice?Luke wrote the question twice.Twice, he asked, “Are you the Expected One, or do we look for someone else?”Twice, as if the same person were looking at himself in the mirror.Is Jesus looking for John the Baptist, or is it the other way around? What's the difference between the message and the messenger?Do you study the Bible, or does the Bible study you?Who is the reed shaken by the wind?Is it the reed Solomon can't use to measure John's Palace, or the reed Isaiah's “Bringer of Justice” refuses to break?Who is the “Bringer of Justice?” Can you tell?What did you go out to see, human?A prophet? You may be indifferent to the prophet, yes, but then you hate his message, too.You hypocrite.I will tell you what the fruit of the Good Parent looks like.It doesn't eat bread, and it doesn't drink wine, and you say it has a demon.It eats bread and drinks its fill, and you accuse it of gluttony.Why? Because you are a wicked human parent. You do not love God. You are like a spoiled child: impossible to please, self-serving, fickle, unresponsive, pouty, regardless of the message or the messenger.But the children of the Good Parent, whether they fast or feast sumptuously with sinners, are deemed righteous by the Most High; the same is shown to be righteous by his children.As Paul said:“You are the seal of my apostleship in the Lord.”This week, I discuss Luke 7:25-35.Show Notesצ-ד-ק (sade-dalet-qof) / ص-د-ق (ṣād-dāl-qāf) / δικαιόωThe root צ-ד-ק carries the usage “deemed just” or “deemed righteous” in Semitic languages:Aramaic: צְדֵק “He was righteous.”Syriac: זָדֵק “It is right.” Note the shift of צ to ז. (Klein)Ugaritic: (ṣdq) “Reliable, strong.”Arabic: صَدَقَ (ṣadaqa) “He spoke the truth.”Ethiopic: (ṣadaqa) “He was just, was righteous.”In the Bible, there are numerous examples of this root as it pertains to God's judgment:“And the heavens declare His righteousness (צִדְקָתוֹ, ṣidqātō), for God Himself is judge. Selah.” (Psalms 50:6)“Put Me in remembrance, let us argue our case together; state your cause, that you may be proved right (תִּצְדָּק, tiṣdāq).” (Isaiah 43:26)“In the Lord all the offspring of Israel will be [deemed] righteous (יִצְדְּקוּ, yiṣdāqū) and will glory.” (Isaiah 45:25)In the Qur'an and Arabic, the root ص-د-ق is associated with honesty, trustworthiness, acts of charity, the fulfillment of promises, and righteousness. Compare parallel usage in the Torah and the Qur'an:ְהֶאֱמִן בַּיהוָה וַיַּחְשְׁבֶהָ לּוֹ צְדָקָה (Wa-heʾemin ba-Yahweh wa-yaḥshebaha lahu ṣidāqah)“Then he believed in the Lord, and he reckoned it to him as righteousness.” (Genesis 15:6)وَاذْكُرْ فِي الْكِتَابِ إِبْرَاهِيمَ إِنَّهُ كَانَ صِدِّيقًا نَبِيًّا(Wa-udhkur fī al-kitābi Ibrāhīma innahu kāna ṣiddīqan nabiyyā.)“And mention in the Book Abraham. Indeed, he was a man of righteousness and a prophet.”(Surah Maryam, 19:41)Examples of ص-د-ق in Arabic: صَدِّيقٌ (ṣiddīq) – A person of high righteousness and truthfulness.صَدَقَةٌ (ṣadaqah) – Voluntary charity or almsgiving.صَادِقٌ (ṣādiq) – Truthful, honest, a righteous person.تَصْدِيقٌ (taṣdīq) – Affirmation or confirmation of truth.مُصَدِّقٌ (muṣaddiq) – One who believes in and confirms the truth. ★ Support this podcast on Patreon ★

If you're counting down your final PSLF payments and feeling like you're losing your mind with all the uncertainty, this episode is for you. We'll tackle what's actually worth worrying about when you're close to forgiveness, explore strategies for navigating the final stretch, dig into the PSLF buyback situation, and cover what you need to know about potential new repayment plans and legislative changes on the horizon. Key moments: (01:19) Misinformation about applying for PSLF buyback: What's real and what's noise (08:31) Court rulings, tax changes, and what they mean for forgiveness programs (15:14) What to do while waiting for IBR application processing (16:07) New Republican proposal to reset student loan interest rates Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning   Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

In this comprehensive episode of Finding Financial Freedom with The Frugal Physician, Dr. Disha Spath hosts Travis Hornsby, founder and CEO of Student Loan Planner, to explore the current landscape of student loans and repayment strategies for high-debt professionals. With over $800 million in student loans consulted on, Travis is an authority on loan repayment and shares crucial insights on navigating Public Service Loan Forgiveness (PSLF), recent policy changes, and strategies for repayment that every physician, professional, and student loan borrower needs to know. Discover how changes in student loan policies under the Trump, Obama, and Biden administrations have reshaped the repayment landscape and what potential policy shifts could mean for borrowers in the coming years. Travis also discusses methods to optimize PSLF eligibility, the pros and cons of refinancing, and the best strategies for long-term financial freedom despite student loan debt. Key Topics Covered: Travis Hornsby's Journey & Student Loan Planner's Mission Travis's background in finance and bond trading at Vanguard, his journey to starting Student Loan Planner, and why he's dedicated his career to helping borrowers navigate complex student loan systems. Public Service Loan Forgiveness (PSLF): From Inception to Transformation How PSLF has evolved since its inception in 2007, including challenges under the Trump administration and impactful changes introduced by President Biden. Changes in Income-Driven Repayment (IDR) Plans Overview of the original income-driven repayment options (PAYE, REPAYE, IBR, ICR) and how Biden's new SAVE plan replaced REPAYE with enhanced interest subsidies. Potential Pitfalls & Common Mistakes in Repayment Plans How to avoid costly missteps when selecting a repayment plan, including considerations around PSLF qualification, income certification, and timing of tax filings. Navigating Political and Legal Challenges in Student Loan Policies Insights into current legal challenges to the SAVE plan and potential impacts of future policy changes on IDR options for physicians and other borrowers. Refinancing vs. Forgiveness Travis outlines when it's beneficial to refinance your loans versus staying on a PSLF track, with practical advice for borrowers based on debt-to-income ratio and financial goals. Resources Mentioned: Student Loan Planner for calculators, tools, and professional consultations. Travis's Books: Managing Your Money in Your Twenties and Thirties and 25 is the New 65: How to Retire Outrageously Early. Listener Takeaways: Gain a better understanding of student loan repayment plans and forgiveness options. Learn the strategies for managing student loans amidst political upheaval and legal challenges. Understand when refinancing makes sense versus sticking with PSLF or other forgiveness options. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Travis Hornsby, CFA, CFP, Student Loan Planner Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes. Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.   This episode is sponsored by: PearsonRavitz– Helping physicians safeguard their most valuable assets.  This episode is also sponsored by FacetWealth– Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

Imagine a world where the SAVE plan is struck down by the courts, taking various income-driven repayment (IDR) plans with it and leaving millions of borrowers scrambling. This worst-case scenario could block hundreds of thousands from accessing Public Service Loan Forgiveness (PSLF) and introduce massive complications for those on IDR plans. But don't worry, I'll break down this doomsday scenario, discuss its implications, and offer strategies for how you can best prepare. Highlights from this episode: 02:37 Tougher eligibility for PSLF and income-driven repayment 06:33 Key tax strategies (reducing AGI, filing separately, and community property considerations) 09:36 Why I'm not overly concerned just yet 16:51 How to make sure you can still get a spot on the IBR plan   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning   Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Payment caps aren't something most borrowers think about, but they can have a huge impact on anyone using an income-driven repayment (IDR) plan. With ongoing court battles that could reshape repayment options, it's more important than ever to understand what payment caps are, how they work, and why they could mean massive shifts in how borrowers handle their payments and pursue forgiveness.    In today's episode:   01:03 How payment caps work under Saving on a Valuable Education (SAVE), Income-Based repayment (IBR) and Pay As You Earn (PAYE) 06:44 What happens if you can't get on the income-based repayment plan? 11:51 Did the Biden administration's handling of SAVE create more challenges for borrowers? 13:53 The final outcome hinges on Trump or Harris administration decisions   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning   Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

1643-1645 äger en rad olika sammankopplade krig mellan Sverige och Danmark rum. Horns krig i Skåne, Torstenssons krig i södra Danmark och Hannibalsfejden vid den svensk-norska gränsen. De är resultaten av en svensk aggression i sin tur sprungen ur kallhamrad realpolitik. Slå ur överläge. Oavsett krigets rättfärdigande.Det fanns många sådana krig under 1600-talet. Som bekant är det ett krigiskt århundrade. När krigen hade löpt sin lina var det dags att förhandla om fred. Vad som beslutades om vid tunga bord för 375 år sedan påverkar oss faktiskt fortfarande. I Brömsebro 1645 blev Jämtland, Härjedalen och Gotland svenska landskap. Halland följde med på pant.Om kriget, om freden och om hur Axel Oxenstierna jobbade för att få de nya landskapen att bli en del av riket handlar dagens avsnitt. Ett ovanligt bra sådant!—Läslista:Englund, Peter, Ofredsår: om den svenska stormaktstiden och en man i dess mitt, 2. uppl., Atlantis, Stockholm, 1994Bromé, Janrik (red.), Jämtlands och Härjedalens historia D. 2 1537-1645, Norstedt, Stockholm, 1945Ericson Wolke, Lars, Larsson, Göran & Villstrand, Nils Erik, Trettioåriga kriget: [Europa i brand 1618-1648], Historiska media, Lund, 2006Hadenius, Stig, Nilsson, Torbjörn & Åselius, Gunnar, Guide till Sveriges historia, [Ny utg.], Kunskapsförl./Norstedt, Stockholm, 2000Theland, Tord, Mildhet och saktmod [Elektronisk resurs] Den svenska konglomeratstaten och Jämtland efter freden i Brömsebro 1645, Mittuniversitetet, Diss. Sundsvall : Mittuniversitetet, 2020,Sundsvall, 2020 Lyssna på våra avsnitt fritt från reklam: https://plus.acast.com/s/historiepodden. Hosted on Acast. See acast.com/privacy for more information.