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As I delve into the intricacies of Project 2025, a blueprint crafted by the Heritage Foundation and backed by over 100 conservative organizations, it becomes clear that this initiative is not just a policy agenda, but a comprehensive plan to reshape the very fabric of American governance.At its core, Project 2025 aims to dismantle what its proponents call the "administrative state," a term that encompasses the operations of federal agencies and programs. This vision is laid out in a 900-page document that outlines a radical transformation of the federal government, one that would concentrate executive power and align it with conservative principles.One of the most striking aspects of Project 2025 is its proposal to eliminate or significantly alter several key federal agencies. The Department of Homeland Security (DHS), for instance, would be dismantled, and the Transportation Security Administration (TSA) would be privatized. This move is particularly alarming given the critical role these agencies play in national security, especially since their creation in response to the 9/11 terrorist attacks. As AFGE President Everett Kelley noted, "Bringing our country back to the pre-9/11 era is not only irresponsible but also puts all of us at risk."The Department of Education is another target, with plans to eliminate it and transfer oversight of education and federal funding to the states. This shift would not only reduce federal involvement in education but also curtail regulations against sex-based discrimination, gender identity, and sexual orientation in schools. The project's backers argue that education should be a private rather than a public good, a stance that could have profound implications for public schools and the millions of students they serve.The Federal Emergency Management Agency (FEMA) is also on the chopping block, with proposals to shift disaster preparedness and response costs to states and local governments. This change is justified by the argument that FEMA is "overtasked" and "overcompensates for the lack of state and local preparedness and response." However, critics argue that such a shift would leave vulnerable communities without the necessary federal support during times of crisis.The Environmental Protection Agency (EPA) would also face significant cuts, with the elimination of regional labs, enforcement and compliance offices, and scientific integrity divisions. This would essentially give corporations a free hand to pollute, endangering public health and the environment. As the AFGE Public Policy Director Jacque Simon pointed out, these changes would "endanger public health by giving corporations and big businesses a greenlight to pollute the air we breathe, the water we drink, and the food we eat."Project 2025's impact on federal employees is equally daunting. The plan seeks to end collective bargaining for public-sector workers and reinstate Trump's executive orders that bust unions and direct agencies to renegotiate contracts to obtain stronger management rights. The reintroduction of Schedule F, which would reclassify career federal employees connected to federal policy, could politicize the civil service, allowing the administration to hire and fire based on political loyalty rather than merit. This could affect over 500,000 employees, stripping them of their work protections.The project's broader policy objectives are just as sweeping. It advocates for reducing taxes on corporations and capital gains, instituting a flat income tax, and cutting Medicare and Medicaid. It also proposes reversing many of President Joe Biden's policies, including those related to environmental regulations, which would favor fossil fuels over renewable energy. Research funded by taxpayer dollars would need to align with conservative principles, with climatology research receiving significantly less funding.In the realm of education, Project 2025 criticizes what it calls "woke propaganda" in public schools and proposes a significant reduction in the federal government's role in education. It suggests closing the Department of Education and elevating school choice and parental rights, with federal funds being redirected as school vouchers for private or religious schools. This approach would not only reduce federal funding for schools in low-income areas but also end programs like Head Start, which serves over 833,000 children living in poverty.The project's stance on labor rights is equally concerning. It would allow states to ban labor unions in the private sector, make it easier for corporations to fire workers engaging in collective action, and eliminate overtime protections and the federal minimum wage. The Public Service Loan Forgiveness Program, which has relieved many federal employees of their student debt burden, would also be ended.Critics of Project 2025 are vocal about its potential to undermine democratic institutions and civil liberties. Legal experts argue that it would concentrate presidential power, undermine the rule of law, and erode the separation of powers and the separation of church and state. AFGE President Everett Kelley succinctly captured the essence of these concerns: "Project 2025 will take away freedoms and rights from every American, will hurt the middle class and working families, and is a threat to our democracy."Despite Trump's attempts to distance himself from the project during his campaign, many of his policies align closely with those outlined in Project 2025. Since his return to the White House, he has already taken steps that mirror the project's recommendations, such as ending diversity, equity, and inclusion programs within the federal government and withdrawing the U.S. from the World Health Organization.As the country moves forward, the implications of Project 2025 will become increasingly clear. With its comprehensive and radical proposals, this initiative represents a significant turning point in American governance. Whether it will succeed in reshaping the federal government according to its vision remains to be seen, but one thing is certain: the stakes are high, and the future of American democracy hangs in the balance.In the coming months, as more of these policies are implemented, Americans will have to grapple with the consequences of such profound changes. The upcoming elections and the actions of the current administration will serve as critical decision points that will determine the extent to which Project 2025's vision becomes a reality. As we navigate this uncertain landscape, it is crucial to remain vigilant and informed, for the future of our governance and our rights depends on it.
In the third installment of our "Defend Nonprofits, Defend Democracy" series, Fund the People's President and CEO Rusty Stahl discusses recent attacks on the nonprofit sector by the Trump Administration. He lifts up one recent example: an order to change to the Public Service Loan Forgiveness Program. The administration's executive order would disqualify service at nonprofits or government agencies working on issues like immigrant rights, equity and inclusion, and LGBTQ rights from counting toward loan forgiveness, effectively targeting both workers in public service careers, and the communities they serve.Stahl examines how these attacks are part of an integrated approach by the administration that simultaneously targets marginalized communities, government agencies, nonprofit organizations, and the First Amendment of the Constitution —undermining legal and civic infrastructure that has long enjoyed bipartisan support. He notes that this approach is more authoritarian than previous administrations as it not only scapegoats vulnerable populations but also attacks the platforms through which people organize and solve problems.The podcast highlights the growing tension between nonprofits and philanthropic funders, with many foundations hesitant to speak out for fear of retaliation. Stahl acknowledges that some foundations like Robert Wood Johnson, Barr Foundation, and Public Welfare Foundation have issued strong statements, made emergency funds available, ir increased payout, but encourages more individual and collective action. He concludes by urging listeners to share stories of harm experienced by nonprofits through various data collection initiatives to help advocates and policymakers understand the real-world impact of these attacks.ResourcesNational Council of Nonprofitshttps://www.councilofnonprofits.org/form/effects-executive-actions-nonprofits Building Movement Projectbit.ly/bmp-np-surveyChronicle of Philanthropyhttps://www.philanthropy.com/article/is-trumps-second-term-affecting-your-nonprofitMassachusetts Nonprofit Network and the Boston Foundationhttps://survey.alchemer.com/s3/8186064/TBF North Carolina Center for Nonprofits https://docs.google.com/forms/d/1CyIwW5M9stso2uhLqxXYOIsZFCyc4_9qkIzHqt3pP5Y/viewform?edit_requested=trueMinnesota Council of Nonprofits https://forms.office.com/Pages/ResponsePage.aspx?id=sAFEEhMFb06lYlyGZA4tWfceH_gnu0pDhG07nKeU4opUQ0NaR1NXUDFRNDRXTU9NWEhDMk5DOFNSUS4uOne Voice Central Texas https://docs.google.com/forms/d/e/1FAIpQLSfvPDaZDzOQE_g3K7hYZvoMaO6-RYwD_HJNng0j12hG4ViKwQ/viewform Delaware Alliance for Nonprofit Advancement “Delaware Nonprofits and the Impact of “Executive Orders and Federal Policy Changes” (Report)https://delawarenonprofit.b-cdn.net/wp-content/uploads/2025/02/DANA-Survey-on-EO-Impacts-on-DE-Nonprofits-FINAL.pdf“Survey Reveals Delaware Nonprofits at Risk Due to Federal Funding Issues” (Press Release on Report)https://delawarenonprofit.org/blog/federal-funding-freeze-impacts-on-nonprofits/
As I delve into the intricacies of Project 2025, a sweeping initiative crafted by the Heritage Foundation, I am struck by the sheer breadth and ambition of its proposals. This 900-page blueprint, released in April 2022, is more than just a policy document; it is a vision for a radically restructured federal government, aligned closely with conservative ideals and tied intimately to the orbit of former President Donald Trump.At its core, Project 2025 aims to transform the executive branch, bringing it under tighter control of the president and reshaping various federal agencies to conform to conservative principles. The project's authors, many of whom are veterans of Trump's first administration or closely associated with his inner circle, have outlined a comprehensive agenda that touches nearly every aspect of American life.One of the most striking aspects of Project 2025 is its proposal to dismantle or significantly alter several key federal agencies. For instance, the Department of Education would be abolished, with its programs either transferred or terminated, in a bid to promote school choice and increase parental control over education[1][3][5]. The Department of Homeland Security would also be dismantled, reflecting a broader skepticism towards the administrative state and a desire to streamline government operations[1][3].The project also targets the Department of Justice, the Federal Bureau of Investigation, and other independent agencies, seeking to bring them under more direct presidential control. This aligns with the "unitary executive theory," which advocates for placing the entire federal bureaucracy under the president's direct authority, eliminating civil service protections for thousands of government employees and replacing them with political appointees[3][4].In the realm of economic policy, Project 2025 proposes significant changes, including tax cuts and the abolition of the Consumer Financial Protection Bureau. It also recommends shrinking the role of the National Labor Relations Board, which protects employees' rights to organize and fight unfair labor practices, and eliminating the Federal Trade Commission, a key enforcer of antitrust laws[1][4].The project's stance on environmental and climate policies is particularly contentious. It advocates for reducing environmental regulations to favor fossil fuels, repealing the Inflation Reduction Act, and closing offices focused on energy technology development and climate change within the Department of Energy. Diana Furchtgott-Roth, the Heritage Foundation's energy and climate director, suggests that the EPA should support the consumption of more natural gas, despite concerns from climatologists about the potential increase in methane leaks[1][2].Project 2025 also delves into the realm of science policy, prioritizing fundamental research over deployment and restricting academic and technology exchanges with countries labeled as adversaries, particularly China. The report proposes capping indirect research costs for universities and directing more R&D funding towards small businesses through programs like the Small Business Innovation Research and Small Business Technology Transfer initiatives[2].The implications of these proposals are far-reaching. For example, the plan to subject EPA research activities to closer oversight by political appointees, rather than scientists, raises concerns about the politicization of science. Mandy Gunasekara, who authored the EPA chapter and was the agency's chief of staff during the previous Trump administration, argues that EPA should not conduct science activities without clear congressional authorization, reflecting a distrust of independent scientific inquiry[2].In the area of social policy, Project 2025 is equally bold. It recommends eliminating the Head Start program, which serves over 833,000 children living in poverty, and phasing out programs like the Public Service Loan Forgiveness Program and income-driven repayment initiatives for student loans. The project also seeks to cut Medicare and Medicaid, and urges the government to explicitly reject abortion as healthcare, going so far as to propose using the Comstock Act to prosecute those who send and receive contraceptives and abortion pills[1][3][5].The connection between Project 2025 and the Trump campaign is a topic of significant debate. Despite Trump's public disavowal of the project, many of its authors and advisors have close ties to his administration. Kevin Roberts, the president of the Heritage Foundation, has described his organization's role as "institutionalizing Trumpism," and CNN has reported that at least 140 people who worked on Project 2025 previously worked in Trump's administration[1][5].Experts and critics alike have raised alarms about the potential impacts of these proposals. Darrell West of the Brookings Institution notes that the inconsistencies in the plan may be designed to attract funding from certain industries or donors who would benefit from the changes. The American Civil Liberties Union (ACLU) has labeled Project 2025 a "blueprint for autocratic takeover," highlighting its potential to erode democratic norms and undermine civil liberties[1][4][5].As we approach the potential implementation of these policies in January 2025, the stakes are high. The project's vision for a more centralized, conservative government raises fundamental questions about the future of American governance. Will the next administration adopt these sweeping reforms, or will they face significant resistance from Congress, the courts, and the public?In the words of Russell Vought, who is closely associated with Project 2025 and now serves as the policy director of the Republican National Committee platform committee, "he's very supportive of what we do," referring to Trump's backing of the project's efforts. This support, combined with the project's detailed blueprint and the network of aligned personnel ready to implement it, suggests that Project 2025 is more than just a theoretical exercise—it is a roadmap for a profound transformation of the U.S. government[1].As the nation prepares for this potential shift, one thing is clear: the next few months will be pivotal in determining whether Project 2025's vision becomes a reality, and what that reality might mean for the future of American democracy.
Attorney Rae Kaplan of Kaplan Law Firm joins Jon Hansen on Your Money Matters to discuss what President-elect Donald Trump might do with the Public Service Loan Forgiveness Program. Then, Kaplan answers some listener questions.
Mike Ferguson in the Morning 10-18-24 (6:05am) Financial planner Paul Curtman talks about the death of Palestinian militant leader Yahya Sinwar, the mastermind of the October 7 attack, who was killed by Israeli soldiers on Wednesday. We also discuss the latest round of student loan bailouts. (https://www.paulcurtman.com) (@paulcurtman) (6:20am) Will utility rates go up again? Ameren Missouri is asking for a double-digit rate increase. Story here: https://www.missourinet.com/2024/10/17/ameren-missouri-wants-to-increase-residential-electric-rate-by-15/ Mike had a chance to interview former Missouri Sen. Jack Danforth yesterday. It was a long-form interview (20 minutes or so) for his weekend show American Viewpoints. Danforth had a lot of critiques regarding the current direction of the GOP and MAGA. So we're wondering if we should air it on the morning show. Let us know what you think. (6:35am) President Trump had some pretty good zingers at the annual Al Smith Dinner last night in NYC. Vice President Harris...did not. Because she wasn't there. The last Democratic candidate to skip the fundraising event? Walter Mondale in 1984. And that didn't go too well for him, losing 49 of 50 states in the '84 election vs. Reagan. (6:50am) MORNING NEWS DUMP The Biden administration cancelled the student loan debt of another 60,000 people this week using a program called the Public Service Loan Forgiveness Program. An independent panel says that the US Secret Service needs "fundamental reform." President Trump got some good jokes into his comments at the annual Al Smith Dinner in NYC last night. So did some other folks! Story here: https://redstate.com/bobhoge/2024/10/18/comedian-jim-gaffigan-kills-it-at-al-smith-dinner-smokes-kamala-for-being-mia-n2180742 Also story here: https://redstate.com/joesquire/2024/10/17/harris-snubs-trump-headlines-new-yorks-al-smith-dinner-for-catholic-charities-n2180740 And a potpourri of Trump zingers here: https://redstate.com/jenniferoo/2024/10/18/hot-takes-al-smith-dinner-featured-trump-at-his-funniest-and-the-elephant-not-in-the-room-n2180741 Blues beat the NY Islanders 1-0 in overtime at the Enterprise Center. Up next: they'll host the Carolina Hurricanes on Saturday at 6pm. NewsTalkSTL website: https://newstalkstl.com/ Rumble: https://rumble.com/c/NewsTalkSTL Twitter/X: https://twitter.com/NewstalkSTL Facebook: https://www.facebook.com/NewsTalkSTL Livestream 24/7: bit.ly/NEWSTALKSTLSTREAMSSee omnystudio.com/listener for privacy information.
Hey BA fam! Tiffany is flying solo for another edition of the BA QA. This week, a listener needs advice on whether to pay off her debt or buy a house in the expensive Bay Area. Tiffany's got it covered, first breaking down the high cost of living in the area, then figuring out the income needed to afford a home there. Ultimately, she suggests moving to a more affordable location and making a five-year plan. Furthermore, she offers up the smartest ways to save money in the meantime -- including the Public Service Loan Forgiveness Program, as well as income-driven repayment plans for student loan debt relief. Listen in for more ways to to build a five-year-plan that will crush your financial goals!We want to hear from you! Drop us a note at brownambitionpodcast@gmail.com Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.
Hey BA fam! Tiffany is flying solo for another edition of the BA QA. This week, a listener needs advice on whether to pay off her debt or buy a house in the expensive Bay Area. Tiffany's got it covered, first breaking down the high cost of living in the area, then figuring out the income needed to afford a home there. Ultimately, she suggests moving to a more affordable location and making a five-year plan. Furthermore, she offers up the smartest ways to save money in the meantime -- including the Public Service Loan Forgiveness Program, as well as income-driven repayment plans for student loan debt relief. Listen in for more ways to to build a five-year-plan that will crush your financial goals! We want to hear from you! Drop us a note at brownambitionpodcast@gmail.com Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Department of Justice (DOJ), along with 15 states and the District of Columbia, filed a civil lawsuit against Apple Inc. on March 21, accusing the company of illegally monopolizing the smartphone market. They claim that Apple has attempted to limit competition via the firm's App Store and other Apple features, harming consumers, small businesses, and app developers. After a last-minute controversy regarding funding for the Department of Homeland Security (DHS), congressional leaders have unveiled a massive package to fund large portions of the government ahead of a Friday deadline. The package, which funds half of the 12 yearly government spending bills, kicked off a mad dash by Congress to approve over $1 trillion in spending. The bills cover funding for the departments of Defense, Homeland Security, Health and Human Services, Labor, and others. President Joe Biden has announced that his administration is canceling another $6 billion in student loans. The latest group to benefit comprises 78,000 public service workers including teachers, nurses, firefighters, and others who qualify under the Public Service Loan Forgiveness Program created in 2007. The latest move brings the Biden administration's total student debt cancellation to $144 billion for around 4 million Americans. ⭕️Watch in-depth videos based on Truth & Tradition at Epoch TV
INFLATION “FELL”?There's something you need to understand about the inflation numbers you hear in the news, such as, “Inflation fell to 3.2% last month on an annualized basis.” Some folks think that means prices went down, but it really only means that the rate of price increases has gone down. INFLATION'S PERMANENT PRICE INCREASES:A decrease in inflation rate means slower price increase, not price reduction.Even if inflation drops to zero, the high prices from past inflation remain. WAGE GROWTH NOT KEEPING UP WITH INFLATION:A significant portion of workers report their wages haven't kept up with inflation, leading to financial strain.Many Americans have used their savings or resorted to credit card use due to the discrepancy between income and rising costs.To cope with financial strain, it's essential to adjust one's lifestyle and budget, potentially including major changes like downsizing.IMMEDIATE COST-CUTTING STRATEGIES:Freeze credit cards literally to curb impulse spending.Remove saved credit card information from online accounts to prevent easy online purchases.Utilize cash for daily expenses to control spending and potentially save 10% to 30%.Preparing extra meals in advance helps avoid expensive fast food, saving money in the long run.Learn to cut hair at home to save on salon expenses, which can add up significantly over time.Lower the temperature in your water heater. Your water heater accounts for 20% of your monthly electricity cost, and lowering it to 120 could cut you 10% on your bill.So there you have it— ways you can cut back on spending today to counteract inflation. Let us know how it works out. ON TODAY'S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:My wife and I are financially stable and have discussed retiring early, but we're unsure if we have saved enough; when is it enough to retire comfortably and still give to the kingdom?Should I aggressively pay off my student loans now or wait and hope for loan forgiveness, considering I work at a nonprofit and am eligible for the Public Service Loan Forgiveness Program?My son is considering cashing out his Roth IRA to pay off a business mortgage; is this a wise decision given the potential penalties and loss of compound growth?My wife is nearing 62, and we're considering whether to take her Social Security benefits early or wait, especially with concerns about potential future Social Security reductions.I'm interested in online high-yield savings accounts and whether they are as beneficial as they claim to be, and I also want to know if canceling unused credit cards or reducing credit limits can affect my credit score. Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach. Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
On this episode, sponsored by FirstHorizon, Brenna Roth, MD, MPH, shares her journey having over $550k of student loans forgiven tax-free via PSLF. Summary Are student loan forgiveness programs a beacon of hope for graduates drowning in debt? Joining us this week is Brenna Roth, MD, MPH; a physician who achieved an incredible financial milestone - over $550,000 of student loans wiped clean through the Public Service Loan Forgiveness (PSLF) program. In our conversation, Brenna discusses her background in medicine, the accumulation of her student loan debt, her initial feelings about the debt, and her journey to tax-free forgiveness. She also shares advice for individuals facing high student loan debt and considering PSLF as an option. We also unpack the challenges of dealing with loan servicing companies, the impact of the COVID-19 payment freeze, and the benefits of lower monthly payments through income-driven repayment plans for those pursuing PSLF. If you're curious about the PSLF program or facing significant student loan debt, Brenna's inspiring story sheds light on the potential benefits of pursuing loan forgiveness and highlights the changing landscape of student loan repayment. About Today's Guest Brenna Roth, MD, MPH is an infectious disease doctor and public health specialist who works in academic global health and research. She lived and worked in Tanzania for 3 years and has continued to work on international programs and research projects across sub-Saharan Africa since. She has successfully navigated the Public Service Loan Forgiveness Program across multiple loan servicers, jobs, and continents. Mentioned on the Show Brenna Roth, MD, MPH on LinkedIn Federal Student Aid YFP 248: How 3 Pharmacists Had $700,000 of Student Loans Forgiven Episode Sponsor: First Horizon YFP Planning: Fee-Only Financial Planning for Pharmacists Tim Baker on LinkedIn Tim Ulbrich on LinkedIn YFP Disclaimer Subscribe to YFP Newsletter
We are so excited to bring you a special episode of My Veterinary Life Podcast. We are calling these drop-in episodes the Vet Debt Sessions. Throughout the year, we will talk to veterinary colleagues about how they are managing their educational debt. Our guest today is Dr. Jessica ward. She shares with us how she decided to manage her debt by utilizing the Public Service Loan Forgiveness Program. We talk about what works well and some things to consider as you navigate these decisions. It's a great conversation and we can't wait to share this journey with you. Remember we want to hear from you! Please be sure to subscribe to our feed on Apple Podcasts and leave us a ratings and review. You can also contact us at MVLPodcast@avma.org You can also follow us on social media @AVMAVets #MyVetLife #MVLPodcast
Modifications to the Public Service Loan Forgiveness Program and President Joe Biden's student loan debt relief plan will change the lives of millions of Americans. Ahead of the October 31 limited PSLF waiver deadline, Department of Education Secretary Miguel Cardona and I discussed how borrowers can begin their journey towards financial freedom.
In today's Federal Newscast, federal employees with student debt may soon see some expanded opportunities for loan forgiveness.
This is Garrison Hardie with your CrossPolitic Daily News Brief for Thursday, August 25th, 2022. Hope your week has been going well as we head in for yet another weekend, which means it’s probably a good time to remind you, about our conference! FLF Conference Plug: Folks, our upcoming Fight Laugh Feast Conference is 6-weeks away from happening in Knoxville TN, October 6-8! Don't miss beer & psalms, our amazing lineup of speakers which includes George Gilder, Jared Longshore, Pastor Wilson, Dr. Ben Merkle, Pastor Toby, and we can’t say yet…also dont miss our awesome vendors, meeting new friends, and stuff for the kids too…like jumpy castles and accidental infant baptisms! Also, did you know, you can save money, by signing up for a Club Membership. So, go to FightLaughFeast.com and sign up for a club membership and then register for the conference with that club discount. We can’t wait to fellowship, sing Psalms, and celebrate God’s goodness in Knoxville October 6-8. https://thepostmillennial.com/breaking-biden-announces-plans-for-student-debt-relief?utm_campaign=64487 Biden announces plans for student debt relief On Wednesday, President Joe Biden formally announced the cancellation of $10,000 of student loan debt per borrower, and stressed the importance of higher education despite skyrocketing tuition costs. He did not address lowering tuition costs, or that it may be unfair to borrowers who paid their loans despite difficulties, and without forgiveness. https://rumble.com/v1h7d6v-biden-heres-what-my-administration-is-gonna-do-to-provide-more-breathing-ro.html - Play Video Biden said that around 90 percent of those that would qualify for the relief make under $75,000 per year. In addition to the initial $10,000, those that received Pell Grants would qualify to receive an additional $10,000 in cancellation debt, coming to a total of $20,000. He stressed that 95 percent of borrowers would benefit from these actions. And of the 43 million borrowers that would have debt cancelled, roughly 60 percent of those, 27 million people, are Pell Grant borrowers. Nearly 45 percent of people who took out federal student loans would be have the entirety of their federal student loans cancelled under this action. In his third point, Biden said that his administration would be fixing the student loan program system itself. Students would have their payments capped at 5 percent of their discretionary income for loan payments, down from 10 percent. He also said that after 20 years, a borrower’s payment obligation would be reached, and no further payment would be required. Biden also said that his administration would be fixing the Public Service Loan Forgiveness Program, which encourages graduates to pursue public service in exchange for forgiven loans. These fields include teaching, law enforcement, charity work, and military service, and those that serve in these positions and make loan payments for 10 years would have the remainder of their balance forgiven. After concluding his speech, Biden only addressed one question from the press regarding whether he had advanced notice of the FBI raid of Mar-a-Lago. Questions regarding the fairness of the student loan debt cancellation for those who had repaid their loans already were not answered. https://www.foxnews.com/politics/biden-lacks-authority-student-debt-handout-pelosi-warned-last-year Biden lacks authority for student debt handout, Pelosi warned last year last year, Pelosi poured cold water on the idea, saying that such a move was something reserved for an act of Congress, not the executive. https://twitter.com/i/status/1420417022786261002 - Play Video Her statements were in sharp contrast to those of Sen. Schumer, who claimed that the president could do such a sweeping move "with the flick of a pen." Alright, enough about this debt forgiveness, let’s head back to California! https://justthenews.com/nation/states/report-california-likely-ban-sales-gas-powered-cars-2035?utm_source=sf&utm_medium=social&utm_campaign=twjs California likely to ban sales of gas-powered cars by 2035 California this week is likely to enact a major rule to ban the sale of gas-powered cars in the state by 2035, multiple media outlets reported on Wednesday. The regulation is expected to be handed down by the state's California Air Resources Board, which is set to vote on the matter on Thursday. Currently, 12 percent of cars sold in California are required to be fossil fuel-free. Estimates put the number of fully electric cars on the road in the U.S. at just under one percent. California is estimated to have nearly 30,000,000 drivers registered within the state. Supporters of the law praised its ambitious goals. “The climate crisis is solvable if we focus on the big, bold steps necessary to stem the tide of carbon pollution,” Gov. Gavin Newsom told media in a statement. Margo Oge, an electric vehicles expert who has worked with the EPA under multiple presidential administrations, told the New York Times that the development was "huge." https://americanmilitarynews.com/2022/08/uvalde-families-to-file-27-billion-civil-lawsuit-against-police-gunmaker-over-school-shooting/ Uvalde families to file $27 billion civil lawsuit against police, gunmaker over school shooting The families of the victims and survivors of the Robb Elementary School massacre in Uvalde, Texas, are preparing to file a massive lawsuit against the local and state police, the shop that sold gunman Salvador Ramos his weapon and the manufacturer who made the gun. Attorney Charles Bonner announced Sunday that he is filing a $27 billion civil rights lawsuit against the Uvalde Consolidated Independent School District Police Department, school police chief Pete Arredondo, sheriff’s offices, the Texas Rangers, the Texas Department of Public Safety, Border Patrol, the Uvalde Independent School District school board, the Uvalde City Council and the City of Uvalde. Also listed in the lawsuit are gun manufacturer Daniel Defense and Oasis Outback, where Ramos bought the gun. “People have a right to life under the 14th Amendment, and what we’ve seen here is that the law enforcement agencies have shown a deliberate conscious disregard of the life,” Bonner told KSAT. “Everyone in this world are hurting and bleeding about what is happening here in Uvalde. And it’s up to us to make sure it doesn’t happen again.” Nineteen students and two teachers were gunned down inside their classrooms on May 24 as hundreds of police officers poured into the school and stood by as Ramos laid waste to the school. Arredondo, the on-scene commander, was placed on unpaid leave in late June and the school superintendent has recommended he be fired. The 376 responding officers “failed to prioritize saving the lives of innocent victims over their own safety,” according to the report. Bonner said he is preparing the lawsuit to file in September. Redballoon Not so long ago, the American dream was alive and well. Employees who worked hard were rewarded, and employers looked for people who could do the job, not for people who had the right political views. RedBalloon.work is a job site designed to get us back to what made American businesses successful: free speech, hard work, and having fun. If you are a free speech employer who wants to hire employees who focus on their work and not identity politics, then post a job on RedBalloon. If you are an employee who is being censored at work or is being forced to comply with the current zeitgeist, post your resume on RedBalloon and look for a new job. redballoon.work, the job site where free speech is still alive! www.redballoon.work https://www.theepochtimes.com/federal-government-imposes-first-of-its-kind-fee-on-greenhouse-gas-emissions_4684606.html?utm_source=partner&utm_campaign=BonginoReport Federal Government Imposes First-of-Its-Kind Fee on Greenhouse Gas Emissions Hidden deep within the over 700 pages of the recently passed Inflation Reduction Act (IRA) is a brand-new provision intended to give the Environmental Protection Agency (EPA) power to cut greenhouse gas (GHG) emissions. Specifically, the IRA establishes the “Methane Emission Reduction Program” under a new section in the Clean Air Act, allowing the EPA to impose a fee on certain “climate pollutions.” Importantly, this is the first time the federal government has ever imposed a fee on any GHG emission and is part of Congress’ effort to bolster the EPA’s power to address the “climate crisis.” In June, the U.S. Supreme Court ruled in West Virginia v. Environmental Protection Agency that the EPA didn’t have the authority under the Clean Air Act or the Clean Power Plan to essentially force power plants to transition more towards wind and solar. Moreover, SCOTUS determined that the interpretive question raised under the Clean Power Plan fell under the “major questions doctrine,” which states that Congress must make a “clear statement” if it wants to delegate authority “of this breadth to regulate a fundamental sector of the economy.” Notably, the ruling expressly limited the EPA’s ability to regulate carbon emissions from power plants, which President Joe Biden called “devastating.” Biden further added that he planned to “find ways that we can, under federal law, continue protecting Americans from harmful pollution, including pollution that causes climate change.” The IRA includes several tax credits, incentives, and grants, totaling $369 billion for “Energy Security and Climate Change investments.” And the above investments include over $1.5 billion to the EPA for “grants, rebates, contracts, loans” and “other activities” to reduce GHG emissions in the natural gas and oil sector. Methane is the primary component of natural gas, and the EPA reports that methane emissions accounted for 11 percent of total U.S. GHG emissions in 2020. Carbon Dioxide (CO2) accounted for 79 percent. Further, Biden made it clear that by 2030, he wants GHG emissions reduced by 40 percent compared to 2005 levels. And reduction levels of that amount require significant transformation. The IRA’s passage and its implementation of a methane charge put Biden’s goals within reach. Indeed, the Department of Energy reports that thanks to the IRA, the United States will not only meet the 40 percent reduction goal but exceed it as it now projects GHG emissions at 50-52 percent below 2005 levels. Interestingly, according to the EPA, the primary source for methane emissions isn’t natural gas or oil—it’s livestock. Before we go today, we gotta wrap up with sports right? https://nypost.com/2022/08/23/kevin-durant-moving-forward-with-nets-after-trade-demand-saga/ Kevin Durant ‘moving forward’ with Nets after trade demand saga Kevin Durant is staying put in Brooklyn. And the Nets aren’t just running it back for a year — they’re together for the long term. Nets general manager Sean Marks said in a statement Tuesday that after a face-to-face to clear the air, the Nets and Durant — who’d first requested a trade, then the firing of Marks and coach Steve Nash in order to stay — are “moving forward” together to chase the franchise’s first-ever NBA championship. A highly placed Nets source amplified that this was not simply a case of cajoling Durant to stay for the upcoming season, to take a final all-or-nothing shot at a title with Kyrie Irving before trading him next summer. While Durant could always make another heel turn, all parties left that meeting at least expecting this to be a long-term marriage, albeit one with plenty to work through. The Post had reported weeks ago that Durant was trending toward being present at training camp, which starts Sept. 27. But after this meeting the Nets expect Durant to fulfil the four-year, $198 million extension he signed last August that kicks in this upcoming season. It remains to be seen how much reconciliation is needed between Durant and the men he tried to get fired. It should also be noted that he went from inking a deal without a no-trade clause or trade kicker a year ago to requesting a trade in June, from wanting his GM and coach fired two weeks ago to supposedly buying in now. The drama brings to mind the summer 2007 episode when Kobe Bryant went on LA radio and requested a trade from the Lakers. But after testing the market and finding nothing to approximate the all-time great, the Lakers held onto him and reached the Finals that following season, with Bryant winning MVP This has been your CrossPolitic Daily NewsBrief. If you liked the show, share it far and wide. If you’d like to sign up for a club membership, sign up for our conference in Knoxville, or sign up for our magazine, you can do all of that at fightlaughfeast.com. And as always, if you’d like to send me a news story, ask about our conference, or become a corporate partner of CrossPolitic, email me, at garrison@fightlaughfeast.com. For CrossPolitic News, I’m Garrison Hardie. Have a great day, and Lord bless.
This is Garrison Hardie with your CrossPolitic Daily News Brief for Thursday, August 25th, 2022. Hope your week has been going well as we head in for yet another weekend, which means it’s probably a good time to remind you, about our conference! FLF Conference Plug: Folks, our upcoming Fight Laugh Feast Conference is 6-weeks away from happening in Knoxville TN, October 6-8! Don't miss beer & psalms, our amazing lineup of speakers which includes George Gilder, Jared Longshore, Pastor Wilson, Dr. Ben Merkle, Pastor Toby, and we can’t say yet…also dont miss our awesome vendors, meeting new friends, and stuff for the kids too…like jumpy castles and accidental infant baptisms! Also, did you know, you can save money, by signing up for a Club Membership. So, go to FightLaughFeast.com and sign up for a club membership and then register for the conference with that club discount. We can’t wait to fellowship, sing Psalms, and celebrate God’s goodness in Knoxville October 6-8. https://thepostmillennial.com/breaking-biden-announces-plans-for-student-debt-relief?utm_campaign=64487 Biden announces plans for student debt relief On Wednesday, President Joe Biden formally announced the cancellation of $10,000 of student loan debt per borrower, and stressed the importance of higher education despite skyrocketing tuition costs. He did not address lowering tuition costs, or that it may be unfair to borrowers who paid their loans despite difficulties, and without forgiveness. https://rumble.com/v1h7d6v-biden-heres-what-my-administration-is-gonna-do-to-provide-more-breathing-ro.html - Play Video Biden said that around 90 percent of those that would qualify for the relief make under $75,000 per year. In addition to the initial $10,000, those that received Pell Grants would qualify to receive an additional $10,000 in cancellation debt, coming to a total of $20,000. He stressed that 95 percent of borrowers would benefit from these actions. And of the 43 million borrowers that would have debt cancelled, roughly 60 percent of those, 27 million people, are Pell Grant borrowers. Nearly 45 percent of people who took out federal student loans would be have the entirety of their federal student loans cancelled under this action. In his third point, Biden said that his administration would be fixing the student loan program system itself. Students would have their payments capped at 5 percent of their discretionary income for loan payments, down from 10 percent. He also said that after 20 years, a borrower’s payment obligation would be reached, and no further payment would be required. Biden also said that his administration would be fixing the Public Service Loan Forgiveness Program, which encourages graduates to pursue public service in exchange for forgiven loans. These fields include teaching, law enforcement, charity work, and military service, and those that serve in these positions and make loan payments for 10 years would have the remainder of their balance forgiven. After concluding his speech, Biden only addressed one question from the press regarding whether he had advanced notice of the FBI raid of Mar-a-Lago. Questions regarding the fairness of the student loan debt cancellation for those who had repaid their loans already were not answered. https://www.foxnews.com/politics/biden-lacks-authority-student-debt-handout-pelosi-warned-last-year Biden lacks authority for student debt handout, Pelosi warned last year last year, Pelosi poured cold water on the idea, saying that such a move was something reserved for an act of Congress, not the executive. https://twitter.com/i/status/1420417022786261002 - Play Video Her statements were in sharp contrast to those of Sen. Schumer, who claimed that the president could do such a sweeping move "with the flick of a pen." Alright, enough about this debt forgiveness, let’s head back to California! https://justthenews.com/nation/states/report-california-likely-ban-sales-gas-powered-cars-2035?utm_source=sf&utm_medium=social&utm_campaign=twjs California likely to ban sales of gas-powered cars by 2035 California this week is likely to enact a major rule to ban the sale of gas-powered cars in the state by 2035, multiple media outlets reported on Wednesday. The regulation is expected to be handed down by the state's California Air Resources Board, which is set to vote on the matter on Thursday. Currently, 12 percent of cars sold in California are required to be fossil fuel-free. Estimates put the number of fully electric cars on the road in the U.S. at just under one percent. California is estimated to have nearly 30,000,000 drivers registered within the state. Supporters of the law praised its ambitious goals. “The climate crisis is solvable if we focus on the big, bold steps necessary to stem the tide of carbon pollution,” Gov. Gavin Newsom told media in a statement. Margo Oge, an electric vehicles expert who has worked with the EPA under multiple presidential administrations, told the New York Times that the development was "huge." https://americanmilitarynews.com/2022/08/uvalde-families-to-file-27-billion-civil-lawsuit-against-police-gunmaker-over-school-shooting/ Uvalde families to file $27 billion civil lawsuit against police, gunmaker over school shooting The families of the victims and survivors of the Robb Elementary School massacre in Uvalde, Texas, are preparing to file a massive lawsuit against the local and state police, the shop that sold gunman Salvador Ramos his weapon and the manufacturer who made the gun. Attorney Charles Bonner announced Sunday that he is filing a $27 billion civil rights lawsuit against the Uvalde Consolidated Independent School District Police Department, school police chief Pete Arredondo, sheriff’s offices, the Texas Rangers, the Texas Department of Public Safety, Border Patrol, the Uvalde Independent School District school board, the Uvalde City Council and the City of Uvalde. Also listed in the lawsuit are gun manufacturer Daniel Defense and Oasis Outback, where Ramos bought the gun. “People have a right to life under the 14th Amendment, and what we’ve seen here is that the law enforcement agencies have shown a deliberate conscious disregard of the life,” Bonner told KSAT. “Everyone in this world are hurting and bleeding about what is happening here in Uvalde. And it’s up to us to make sure it doesn’t happen again.” Nineteen students and two teachers were gunned down inside their classrooms on May 24 as hundreds of police officers poured into the school and stood by as Ramos laid waste to the school. Arredondo, the on-scene commander, was placed on unpaid leave in late June and the school superintendent has recommended he be fired. The 376 responding officers “failed to prioritize saving the lives of innocent victims over their own safety,” according to the report. Bonner said he is preparing the lawsuit to file in September. Redballoon Not so long ago, the American dream was alive and well. Employees who worked hard were rewarded, and employers looked for people who could do the job, not for people who had the right political views. RedBalloon.work is a job site designed to get us back to what made American businesses successful: free speech, hard work, and having fun. If you are a free speech employer who wants to hire employees who focus on their work and not identity politics, then post a job on RedBalloon. If you are an employee who is being censored at work or is being forced to comply with the current zeitgeist, post your resume on RedBalloon and look for a new job. redballoon.work, the job site where free speech is still alive! www.redballoon.work https://www.theepochtimes.com/federal-government-imposes-first-of-its-kind-fee-on-greenhouse-gas-emissions_4684606.html?utm_source=partner&utm_campaign=BonginoReport Federal Government Imposes First-of-Its-Kind Fee on Greenhouse Gas Emissions Hidden deep within the over 700 pages of the recently passed Inflation Reduction Act (IRA) is a brand-new provision intended to give the Environmental Protection Agency (EPA) power to cut greenhouse gas (GHG) emissions. Specifically, the IRA establishes the “Methane Emission Reduction Program” under a new section in the Clean Air Act, allowing the EPA to impose a fee on certain “climate pollutions.” Importantly, this is the first time the federal government has ever imposed a fee on any GHG emission and is part of Congress’ effort to bolster the EPA’s power to address the “climate crisis.” In June, the U.S. Supreme Court ruled in West Virginia v. Environmental Protection Agency that the EPA didn’t have the authority under the Clean Air Act or the Clean Power Plan to essentially force power plants to transition more towards wind and solar. Moreover, SCOTUS determined that the interpretive question raised under the Clean Power Plan fell under the “major questions doctrine,” which states that Congress must make a “clear statement” if it wants to delegate authority “of this breadth to regulate a fundamental sector of the economy.” Notably, the ruling expressly limited the EPA’s ability to regulate carbon emissions from power plants, which President Joe Biden called “devastating.” Biden further added that he planned to “find ways that we can, under federal law, continue protecting Americans from harmful pollution, including pollution that causes climate change.” The IRA includes several tax credits, incentives, and grants, totaling $369 billion for “Energy Security and Climate Change investments.” And the above investments include over $1.5 billion to the EPA for “grants, rebates, contracts, loans” and “other activities” to reduce GHG emissions in the natural gas and oil sector. Methane is the primary component of natural gas, and the EPA reports that methane emissions accounted for 11 percent of total U.S. GHG emissions in 2020. Carbon Dioxide (CO2) accounted for 79 percent. Further, Biden made it clear that by 2030, he wants GHG emissions reduced by 40 percent compared to 2005 levels. And reduction levels of that amount require significant transformation. The IRA’s passage and its implementation of a methane charge put Biden’s goals within reach. Indeed, the Department of Energy reports that thanks to the IRA, the United States will not only meet the 40 percent reduction goal but exceed it as it now projects GHG emissions at 50-52 percent below 2005 levels. Interestingly, according to the EPA, the primary source for methane emissions isn’t natural gas or oil—it’s livestock. Before we go today, we gotta wrap up with sports right? https://nypost.com/2022/08/23/kevin-durant-moving-forward-with-nets-after-trade-demand-saga/ Kevin Durant ‘moving forward’ with Nets after trade demand saga Kevin Durant is staying put in Brooklyn. And the Nets aren’t just running it back for a year — they’re together for the long term. Nets general manager Sean Marks said in a statement Tuesday that after a face-to-face to clear the air, the Nets and Durant — who’d first requested a trade, then the firing of Marks and coach Steve Nash in order to stay — are “moving forward” together to chase the franchise’s first-ever NBA championship. A highly placed Nets source amplified that this was not simply a case of cajoling Durant to stay for the upcoming season, to take a final all-or-nothing shot at a title with Kyrie Irving before trading him next summer. While Durant could always make another heel turn, all parties left that meeting at least expecting this to be a long-term marriage, albeit one with plenty to work through. The Post had reported weeks ago that Durant was trending toward being present at training camp, which starts Sept. 27. But after this meeting the Nets expect Durant to fulfil the four-year, $198 million extension he signed last August that kicks in this upcoming season. It remains to be seen how much reconciliation is needed between Durant and the men he tried to get fired. It should also be noted that he went from inking a deal without a no-trade clause or trade kicker a year ago to requesting a trade in June, from wanting his GM and coach fired two weeks ago to supposedly buying in now. The drama brings to mind the summer 2007 episode when Kobe Bryant went on LA radio and requested a trade from the Lakers. But after testing the market and finding nothing to approximate the all-time great, the Lakers held onto him and reached the Finals that following season, with Bryant winning MVP This has been your CrossPolitic Daily NewsBrief. If you liked the show, share it far and wide. If you’d like to sign up for a club membership, sign up for our conference in Knoxville, or sign up for our magazine, you can do all of that at fightlaughfeast.com. And as always, if you’d like to send me a news story, ask about our conference, or become a corporate partner of CrossPolitic, email me, at garrison@fightlaughfeast.com. For CrossPolitic News, I’m Garrison Hardie. Have a great day, and Lord bless.
This is Garrison Hardie with your CrossPolitic Daily News Brief for Thursday, August 25th, 2022. Hope your week has been going well as we head in for yet another weekend, which means it’s probably a good time to remind you, about our conference! FLF Conference Plug: Folks, our upcoming Fight Laugh Feast Conference is 6-weeks away from happening in Knoxville TN, October 6-8! Don't miss beer & psalms, our amazing lineup of speakers which includes George Gilder, Jared Longshore, Pastor Wilson, Dr. Ben Merkle, Pastor Toby, and we can’t say yet…also dont miss our awesome vendors, meeting new friends, and stuff for the kids too…like jumpy castles and accidental infant baptisms! Also, did you know, you can save money, by signing up for a Club Membership. So, go to FightLaughFeast.com and sign up for a club membership and then register for the conference with that club discount. We can’t wait to fellowship, sing Psalms, and celebrate God’s goodness in Knoxville October 6-8. https://thepostmillennial.com/breaking-biden-announces-plans-for-student-debt-relief?utm_campaign=64487 Biden announces plans for student debt relief On Wednesday, President Joe Biden formally announced the cancellation of $10,000 of student loan debt per borrower, and stressed the importance of higher education despite skyrocketing tuition costs. He did not address lowering tuition costs, or that it may be unfair to borrowers who paid their loans despite difficulties, and without forgiveness. https://rumble.com/v1h7d6v-biden-heres-what-my-administration-is-gonna-do-to-provide-more-breathing-ro.html - Play Video Biden said that around 90 percent of those that would qualify for the relief make under $75,000 per year. In addition to the initial $10,000, those that received Pell Grants would qualify to receive an additional $10,000 in cancellation debt, coming to a total of $20,000. He stressed that 95 percent of borrowers would benefit from these actions. And of the 43 million borrowers that would have debt cancelled, roughly 60 percent of those, 27 million people, are Pell Grant borrowers. Nearly 45 percent of people who took out federal student loans would be have the entirety of their federal student loans cancelled under this action. In his third point, Biden said that his administration would be fixing the student loan program system itself. Students would have their payments capped at 5 percent of their discretionary income for loan payments, down from 10 percent. He also said that after 20 years, a borrower’s payment obligation would be reached, and no further payment would be required. Biden also said that his administration would be fixing the Public Service Loan Forgiveness Program, which encourages graduates to pursue public service in exchange for forgiven loans. These fields include teaching, law enforcement, charity work, and military service, and those that serve in these positions and make loan payments for 10 years would have the remainder of their balance forgiven. After concluding his speech, Biden only addressed one question from the press regarding whether he had advanced notice of the FBI raid of Mar-a-Lago. Questions regarding the fairness of the student loan debt cancellation for those who had repaid their loans already were not answered. https://www.foxnews.com/politics/biden-lacks-authority-student-debt-handout-pelosi-warned-last-year Biden lacks authority for student debt handout, Pelosi warned last year last year, Pelosi poured cold water on the idea, saying that such a move was something reserved for an act of Congress, not the executive. https://twitter.com/i/status/1420417022786261002 - Play Video Her statements were in sharp contrast to those of Sen. Schumer, who claimed that the president could do such a sweeping move "with the flick of a pen." Alright, enough about this debt forgiveness, let’s head back to California! https://justthenews.com/nation/states/report-california-likely-ban-sales-gas-powered-cars-2035?utm_source=sf&utm_medium=social&utm_campaign=twjs California likely to ban sales of gas-powered cars by 2035 California this week is likely to enact a major rule to ban the sale of gas-powered cars in the state by 2035, multiple media outlets reported on Wednesday. The regulation is expected to be handed down by the state's California Air Resources Board, which is set to vote on the matter on Thursday. Currently, 12 percent of cars sold in California are required to be fossil fuel-free. Estimates put the number of fully electric cars on the road in the U.S. at just under one percent. California is estimated to have nearly 30,000,000 drivers registered within the state. Supporters of the law praised its ambitious goals. “The climate crisis is solvable if we focus on the big, bold steps necessary to stem the tide of carbon pollution,” Gov. Gavin Newsom told media in a statement. Margo Oge, an electric vehicles expert who has worked with the EPA under multiple presidential administrations, told the New York Times that the development was "huge." https://americanmilitarynews.com/2022/08/uvalde-families-to-file-27-billion-civil-lawsuit-against-police-gunmaker-over-school-shooting/ Uvalde families to file $27 billion civil lawsuit against police, gunmaker over school shooting The families of the victims and survivors of the Robb Elementary School massacre in Uvalde, Texas, are preparing to file a massive lawsuit against the local and state police, the shop that sold gunman Salvador Ramos his weapon and the manufacturer who made the gun. Attorney Charles Bonner announced Sunday that he is filing a $27 billion civil rights lawsuit against the Uvalde Consolidated Independent School District Police Department, school police chief Pete Arredondo, sheriff’s offices, the Texas Rangers, the Texas Department of Public Safety, Border Patrol, the Uvalde Independent School District school board, the Uvalde City Council and the City of Uvalde. Also listed in the lawsuit are gun manufacturer Daniel Defense and Oasis Outback, where Ramos bought the gun. “People have a right to life under the 14th Amendment, and what we’ve seen here is that the law enforcement agencies have shown a deliberate conscious disregard of the life,” Bonner told KSAT. “Everyone in this world are hurting and bleeding about what is happening here in Uvalde. And it’s up to us to make sure it doesn’t happen again.” Nineteen students and two teachers were gunned down inside their classrooms on May 24 as hundreds of police officers poured into the school and stood by as Ramos laid waste to the school. Arredondo, the on-scene commander, was placed on unpaid leave in late June and the school superintendent has recommended he be fired. The 376 responding officers “failed to prioritize saving the lives of innocent victims over their own safety,” according to the report. Bonner said he is preparing the lawsuit to file in September. Redballoon Not so long ago, the American dream was alive and well. Employees who worked hard were rewarded, and employers looked for people who could do the job, not for people who had the right political views. RedBalloon.work is a job site designed to get us back to what made American businesses successful: free speech, hard work, and having fun. If you are a free speech employer who wants to hire employees who focus on their work and not identity politics, then post a job on RedBalloon. If you are an employee who is being censored at work or is being forced to comply with the current zeitgeist, post your resume on RedBalloon and look for a new job. redballoon.work, the job site where free speech is still alive! www.redballoon.work https://www.theepochtimes.com/federal-government-imposes-first-of-its-kind-fee-on-greenhouse-gas-emissions_4684606.html?utm_source=partner&utm_campaign=BonginoReport Federal Government Imposes First-of-Its-Kind Fee on Greenhouse Gas Emissions Hidden deep within the over 700 pages of the recently passed Inflation Reduction Act (IRA) is a brand-new provision intended to give the Environmental Protection Agency (EPA) power to cut greenhouse gas (GHG) emissions. Specifically, the IRA establishes the “Methane Emission Reduction Program” under a new section in the Clean Air Act, allowing the EPA to impose a fee on certain “climate pollutions.” Importantly, this is the first time the federal government has ever imposed a fee on any GHG emission and is part of Congress’ effort to bolster the EPA’s power to address the “climate crisis.” In June, the U.S. Supreme Court ruled in West Virginia v. Environmental Protection Agency that the EPA didn’t have the authority under the Clean Air Act or the Clean Power Plan to essentially force power plants to transition more towards wind and solar. Moreover, SCOTUS determined that the interpretive question raised under the Clean Power Plan fell under the “major questions doctrine,” which states that Congress must make a “clear statement” if it wants to delegate authority “of this breadth to regulate a fundamental sector of the economy.” Notably, the ruling expressly limited the EPA’s ability to regulate carbon emissions from power plants, which President Joe Biden called “devastating.” Biden further added that he planned to “find ways that we can, under federal law, continue protecting Americans from harmful pollution, including pollution that causes climate change.” The IRA includes several tax credits, incentives, and grants, totaling $369 billion for “Energy Security and Climate Change investments.” And the above investments include over $1.5 billion to the EPA for “grants, rebates, contracts, loans” and “other activities” to reduce GHG emissions in the natural gas and oil sector. Methane is the primary component of natural gas, and the EPA reports that methane emissions accounted for 11 percent of total U.S. GHG emissions in 2020. Carbon Dioxide (CO2) accounted for 79 percent. Further, Biden made it clear that by 2030, he wants GHG emissions reduced by 40 percent compared to 2005 levels. And reduction levels of that amount require significant transformation. The IRA’s passage and its implementation of a methane charge put Biden’s goals within reach. Indeed, the Department of Energy reports that thanks to the IRA, the United States will not only meet the 40 percent reduction goal but exceed it as it now projects GHG emissions at 50-52 percent below 2005 levels. Interestingly, according to the EPA, the primary source for methane emissions isn’t natural gas or oil—it’s livestock. Before we go today, we gotta wrap up with sports right? https://nypost.com/2022/08/23/kevin-durant-moving-forward-with-nets-after-trade-demand-saga/ Kevin Durant ‘moving forward’ with Nets after trade demand saga Kevin Durant is staying put in Brooklyn. And the Nets aren’t just running it back for a year — they’re together for the long term. Nets general manager Sean Marks said in a statement Tuesday that after a face-to-face to clear the air, the Nets and Durant — who’d first requested a trade, then the firing of Marks and coach Steve Nash in order to stay — are “moving forward” together to chase the franchise’s first-ever NBA championship. A highly placed Nets source amplified that this was not simply a case of cajoling Durant to stay for the upcoming season, to take a final all-or-nothing shot at a title with Kyrie Irving before trading him next summer. While Durant could always make another heel turn, all parties left that meeting at least expecting this to be a long-term marriage, albeit one with plenty to work through. The Post had reported weeks ago that Durant was trending toward being present at training camp, which starts Sept. 27. But after this meeting the Nets expect Durant to fulfil the four-year, $198 million extension he signed last August that kicks in this upcoming season. It remains to be seen how much reconciliation is needed between Durant and the men he tried to get fired. It should also be noted that he went from inking a deal without a no-trade clause or trade kicker a year ago to requesting a trade in June, from wanting his GM and coach fired two weeks ago to supposedly buying in now. The drama brings to mind the summer 2007 episode when Kobe Bryant went on LA radio and requested a trade from the Lakers. But after testing the market and finding nothing to approximate the all-time great, the Lakers held onto him and reached the Finals that following season, with Bryant winning MVP This has been your CrossPolitic Daily NewsBrief. If you liked the show, share it far and wide. If you’d like to sign up for a club membership, sign up for our conference in Knoxville, or sign up for our magazine, you can do all of that at fightlaughfeast.com. And as always, if you’d like to send me a news story, ask about our conference, or become a corporate partner of CrossPolitic, email me, at garrison@fightlaughfeast.com. For CrossPolitic News, I’m Garrison Hardie. Have a great day, and Lord bless.
Thanks for listening. You all are so angelic! ☆☆For Educational purposes and inspirational Vibes. ☆☆The Artists, Authors, Creators, Poets and Producers own their content, music/songs, poems, speech, etc.☆☆Major Announcement of a big come up from President Biden of sweeping changes to the PSLF, Public Service Loan Forgiveness Program, cancellations & forgiveness of Federal Student Loans for many eligible students include but not limited to $10k and an extra $20k for Pell Grant student borrowers, improvements to the Federal Student Loans program will be coming. ☆☆Thank You to the listeners for sharing this podcast on your social media. Air huggs and High fives to everyone of the supporters and listeners.☆☆ Stay hopeful and safe. We can go forth at dawn and live each day as if it is our last one with gratefulness if we want to because it's our business. Llol. If we want to we can work each day as if we will live forever. Be your own kind of beautiful creative Genius, unstoppable as a Porsche without brakes. Llol. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
If you worry that you'll never be able to pay off your federal student loans, the light at the end of the tunnel is getting a little brighter. The White House is expected to make a decision about student loan forgiveness, but the Education Department isn't waiting. We'll explain today on MoneyWise. So if you have federal student loans, you need to check your email. The Education Department says it has sent out an email to 22 million borrowers urging them to apply for relief under the existing Public Service Loan Forgiveness Program (PSLF). This program was supposed to provide relief for borrowers working in the public sector after they make 120 payments over 10 years. But even the Education Department admits that, up to this point, it's pretty much been a failure. Only about 20% of the more than 1 million applicants are in a position to have their loans forgiven by 2026. Hoping to correct that, the Education Department last year issued a waiver on some of PSLF requirements, giving borrowers credit toward loan cancellation. Under the waiver, it doesn't matter what types of federal loans or under which forgiveness program the borrower may have applied. The only requirement is that the loans be consolidated into a Direct loan before the waiver expires this October 31st. Before the waiver was issued, all loans had to be consolidated, but any payments made prior to consolidation didn't count toward the 120 needed for forgiveness. That essentially sent millions of borrowers back to square one in meeting the requirements. That has now changed. Under the waiver, around 9 million workers in the public sector could be eligible for debt cancellation in the PSLF program. The trouble is, they haven't applied yet, according to a report by the Student Borrower Protection Center. States with the most workers in the public sector include Texas, New York, Florida, and California. DO YOU QUALIFY? So, how do you qualify for loan cancellation under the Public Service Loan Forgiveness Program? First, you have to work for a federal, state, local, or tribal government, or for a non-profit organization. By the way, serving in the military is considered federal service. Okay, then you have to be a full-time worker for a qualifying organization. You must also consolidate all federal loans into a Direct Loan. And finally, you have to make your qualifying 120 payments. The impact of this waiver is potentially huge. It gives borrowers credit for payments made before consolidation on other loan types, regardless of the payment plan, and for payments made after the October 31st deadline for applying. For example, if you received Teacher Loan Forgiveness, that period of service will count toward PSLF eligibility if you can verify public service employment during that period. To find out if you're eligible, you can go to StudentAid.gov and log into your account. You can then search through a database to find your employer and determine if your service is eligible for relief under the PSLF program. You can also go to ForgiveMyStudentDebt.org to find out what type of federal student loans you have. Again, Direct Loans are eligible for PSLF, but other loans must be consolidated into a Direct Consolidation Loan. DON'T MISS THE DEADLINE This next part is critical: You only have until the waiver expires on October 31 to apply and have your previous qualifying payments on other loans count toward the 120 you need for forgiveness under the PSLF program. And there's more good news for some 200,000 borrowers. Washington is now preparing to cancel around $6 billion in federal student loans to settle a class action suit. The plaintiffs argued that their schools defrauded them, which should have entitled them to loan forgiveness, but that the Education Department dragged its feet for years, not granting that relief. Meanwhile, the Biden administration is expected to announce more student loan forgiveness options in the weeks ahead. Remember, always try to minimize borrowing for education. Look hard for scholarships and grants and work part-time while in school. You don't want to be saddled with student loan debt, waiting and hoping for loan forgiveness someday. The borrower is slave to the lender. On today's program, Rob also answers listener questions: ● With inflation rising so rapidly, is it still a good decision to pay off your mortgage more quickly? ● When does it make sense to refinance your home? ● Does it make sense to pay off debt by cashing in a whole life policy? Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29
If you worry that you'll never be able to pay off your federal student loans, the light at the end of the tunnel is getting a little brighter. The White House is expected to make a decision about student loan forgiveness, but the Education Department isn't waiting. We'll explain today on MoneyWise. So if you have federal student loans, you need to check your email. The Education Department says it has sent out an email to 22 million borrowers urging them to apply for relief under the existing Public Service Loan Forgiveness Program (PSLF). This program was supposed to provide relief for borrowers working in the public sector after they make 120 payments over 10 years. But even the Education Department admits that, up to this point, it's pretty much been a failure. Only about 20% of the more than 1 million applicants are in a position to have their loans forgiven by 2026. Hoping to correct that, the Education Department last year issued a waiver on some of PSLF requirements, giving borrowers credit toward loan cancellation. Under the waiver, it doesn't matter what types of federal loans or under which forgiveness program the borrower may have applied. The only requirement is that the loans be consolidated into a Direct loan before the waiver expires this October 31st. Before the waiver was issued, all loans had to be consolidated, but any payments made prior to consolidation didn't count toward the 120 needed for forgiveness. That essentially sent millions of borrowers back to square one in meeting the requirements. That has now changed. Under the waiver, around 9 million workers in the public sector could be eligible for debt cancellation in the PSLF program. The trouble is, they haven't applied yet, according to a report by the Student Borrower Protection Center. States with the most workers in the public sector include Texas, New York, Florida, and California. DO YOU QUALIFY? So, how do you qualify for loan cancellation under the Public Service Loan Forgiveness Program? First, you have to work for a federal, state, local, or tribal government, or for a non-profit organization. By the way, serving in the military is considered federal service. Okay, then you have to be a full-time worker for a qualifying organization. You must also consolidate all federal loans into a Direct Loan. And finally, you have to make your qualifying 120 payments. The impact of this waiver is potentially huge. It gives borrowers credit for payments made before consolidation on other loan types, regardless of the payment plan, and for payments made after the October 31st deadline for applying. For example, if you received Teacher Loan Forgiveness, that period of service will count toward PSLF eligibility if you can verify public service employment during that period. To find out if you're eligible, you can go to StudentAid.gov and log into your account. You can then search through a database to find your employer and determine if your service is eligible for relief under the PSLF program. You can also go to ForgiveMyStudentDebt.org to find out what type of federal student loans you have. Again, Direct Loans are eligible for PSLF, but other loans must be consolidated into a Direct Consolidation Loan. DON'T MISS THE DEADLINE This next part is critical: You only have until the waiver expires on October 31 to apply and have your previous qualifying payments on other loans count toward the 120 you need for forgiveness under the PSLF program. And there's more good news for some 200,000 borrowers. Washington is now preparing to cancel around $6 billion in federal student loans to settle a class action suit. The plaintiffs argued that their schools defrauded them, which should have entitled them to loan forgiveness, but that the Education Department dragged its feet for years, not granting that relief. Meanwhile, the Biden administration is expected to announce more student loan forgiveness options in the weeks ahead. Remember, always try to minimize borrowing for education. Look hard for scholarships and grants and work part-time while in school. You don't want to be saddled with student loan debt, waiting and hoping for loan forgiveness someday. The borrower is slave to the lender. On today's program, Rob also answers listener questions: ● With inflation rising so rapidly, is it still a good decision to pay off your mortgage more quickly? ● When does it make sense to refinance your home? ● Does it make sense to pay off debt by cashing in a whole life policy? Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29
If you worry that you'll never be able to pay off your federal student loans, the light at the end of the tunnel is getting a little brighter. The White House is expected to make a decision about student loan forgiveness, but the Education Department isn't waiting. We'll explain today on MoneyWise. So if you have federal student loans, you need to check your email. The Education Department says it has sent out an email to 22 million borrowers urging them to apply for relief under the existing Public Service Loan Forgiveness Program (PSLF). This program was supposed to provide relief for borrowers working in the public sector after they make 120 payments over 10 years. But even the Education Department admits that, up to this point, it's pretty much been a failure. Only about 20% of the more than 1 million applicants are in a position to have their loans forgiven by 2026. Hoping to correct that, the Education Department last year issued a waiver on some of PSLF requirements, giving borrowers credit toward loan cancellation. Under the waiver, it doesn't matter what types of federal loans or under which forgiveness program the borrower may have applied. The only requirement is that the loans be consolidated into a Direct loan before the waiver expires this October 31st. Before the waiver was issued, all loans had to be consolidated, but any payments made prior to consolidation didn't count toward the 120 needed for forgiveness. That essentially sent millions of borrowers back to square one in meeting the requirements. That has now changed. Under the waiver, around 9 million workers in the public sector could be eligible for debt cancellation in the PSLF program. The trouble is, they haven't applied yet, according to a report by the Student Borrower Protection Center. States with the most workers in the public sector include Texas, New York, Florida, and California. DO YOU QUALIFY? So, how do you qualify for loan cancellation under the Public Service Loan Forgiveness Program? First, you have to work for a federal, state, local, or tribal government, or for a non-profit organization. By the way, serving in the military is considered federal service. Okay, then you have to be a full-time worker for a qualifying organization. You must also consolidate all federal loans into a Direct Loan. And finally, you have to make your qualifying 120 payments. The impact of this waiver is potentially huge. It gives borrowers credit for payments made before consolidation on other loan types, regardless of the payment plan, and for payments made after the October 31st deadline for applying. For example, if you received Teacher Loan Forgiveness, that period of service will count toward PSLF eligibility if you can verify public service employment during that period. To find out if you're eligible, you can go to StudentAid.gov and log into your account. You can then search through a database to find your employer and determine if your service is eligible for relief under the PSLF program. You can also go to ForgiveMyStudentDebt.org to find out what type of federal student loans you have. Again, Direct Loans are eligible for PSLF, but other loans must be consolidated into a Direct Consolidation Loan. DON'T MISS THE DEADLINE This next part is critical: You only have until the waiver expires on October 31 to apply and have your previous qualifying payments on other loans count toward the 120 you need for forgiveness under the PSLF program. And there's more good news for some 200,000 borrowers. Washington is now preparing to cancel around $6 billion in federal student loans to settle a class action suit. The plaintiffs argued that their schools defrauded them, which should have entitled them to loan forgiveness, but that the Education Department dragged its feet for years, not granting that relief. Meanwhile, the Biden administration is expected to announce more student loan forgiveness options in the weeks ahead. Remember, always try to minimize borrowing for education. Look hard for scholarships and grants and work part-time while in school. You don't want to be saddled with student loan debt, waiting and hoping for loan forgiveness someday. The borrower is slave to the lender. On today's program, Rob also answers listener questions: ● With inflation rising so rapidly, is it still a good decision to pay off your mortgage more quickly? ● When does it make sense to refinance your home? ● Does it make sense to pay off debt by cashing in a whole life policy? Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29
Lacy visits with Melanie Odums from the non-profit Trellis Company about new information that can have a huge impact your financial health. If you have been making payments on student loan debt over the years while employed by a state agency (or any governmental entity), a public school or institute of higher educations, or a non-profit, you might be eligible for loan forgiveness from the federal government. There have been temporary changes to the Public Service Loan Forgiveness Program, making even more people eligible for loan forgiveness. But borrowers must apply to the U.S. Department of Education before October 31, 2022, to take advantage of these temporary, more relaxed rules.Melanie Odums is an Accredited Financial Counselor and has been working in the financial aid industry for 17 years. She has had a variety of roles in financial aid administration and loan servicing, including working one-on-one with college students and families. Through this work she has helped many individuals understand and navigate the financial aid process, their student loans, and their personal finances. She has a bachelor's degree in business management from Texas State University.Resources mentioned in the podcast:Upcoming webinars can be found at the ERS Wellness Events CalendarTrellis webpage with more resources and links Text Questions to: (512) 359-8838
Host Jonathan Hughes talks to President and Founder of The Institute of Student Loan Advisors, Betsy Mayotte about the Public Service Loan Forgiveness Program and its recent temporary changes.
Episode #31. Host Jonathan Hughes talks to the President and Founder of TISLA (The Institute of Student Loan Advisors), Betsy Mayotte. Here, Betsy talks to Jonathan about the recent temporary changes made to the Public Service Loan Forgiveness Program and walks us through the program itself. Timestamp (0:00) Intro (1:14) Betsy Mayotte conversation
Episode #31. Host Jonathan Hughes talks to the President and Founder of TISLA (The Institute of Student Loan Advisors), Betsy Mayotte. Here, Betsy talks to Jonathan about the recent temporary changes made to the Public Service Loan Forgiveness Program and walks us through the program itself. Timestamp (0:00) Intro (1:14) Betsy Mayotte conversation
We are so excited to bring you a special episode of My Veterinary Life Podcast. We are calling these drop-in episodes the Vet Debt Sessions. Throughout the year, we will talk to veterinary colleagues about how they are managing their educational debt. Our guest today is Dr. Emily Schaefer. She shares with us how she went from being overwhelmed with her debt management to educating herself to committing to the Public Service Loan Forgiveness Program. She also opens up about some of the changes she would have considered to minimize debt from her undergraduate education. It is a fun and informative conversation, and we cannot wait to share her journey with you. Remember we want to hear from you! Please be sure to subscribe to our feed on Apple Podcasts and leave us a ratings and review. You can also contact us at MVLPodcast@avma.org You can also follow us on social media @AVMAVets #MyVetLife #MVLPodcast
Today, Alberto Diaz joins us on today's episode to share the benefits of the Public Service Loan Forgiveness Program. Listen to hear us discuss how people can apply, mistakes to avoid, and more. If you've got student load debt, you will want to give this episode a listen.About Alberto DiazAlberto Juan Diaz Jr. is a seasoned financial aid professional with over nine years of experience. He joined Florida International University (FIU) in 2013 as a Coordinator of Financial Aid and joined FIU Herbert Wertheim College of Medicine in 2015 as the Assistant Director of Financial Assistance. Alberto attended FIU, earning his B.S. in Public Administration and M.S. in Higher Education Administration. He is currently a 5th-year Ph.D. Candidate in Higher Education, and his dissertation examines medical students' understanding and debt experiences.Connect with Alberto on email or LinkedIn.Things Referenced in This Episode:www.studentaid.govwww.pslfjobs.orgAbout the Writing on My Mind PodcastDr. Emmanuela Stanislaus, doctorate coach and diversity consultant, discusses the ups and downs of pursuing a doctoral degree. Tune in as she shares personal stories and revealing conversations with other BIPOC women who share their doctoral journey and provide inspiration for others to level up as doc students.Follow Dr. Emmanuela Stanislaus on Instagram and Twitter. Connect with Dr. Emmanuela Stanislaus on LinkedIn. Don't forget to rate and review the podcast on Apple Podcasts and Spotify.4 Ways to Support the Podcast:RateReviewShare with 2 women of color graduate studentsShare an episode on social mediaSupport the show
More than $17 Billion in Student Loan Debt has already been canceled since January 2021 for 725,000 borrowers. More student loan borrowers are steps closer to student loan forgiveness (cancelation) after President Biden through executive action took steps to rehabilitate defaulted loans through the "Fresh Start Program. In addition, the Department of Education to fix longstanding failures with the student loan programs. Let's talk about how this impacts you as a borrower.
"CalNonprofits was pushing for relief for the sector and contract flexibility so that we could be as responsive as possible to our communities while they were dealing with the pandemic”- Lucy Salcido CarterWe know from our interview in January 2021 with Jacob Harold and Anna Koob of Candid that from their extensive study they estimated that over 4 thousand nonprofits in California could go out of business from the impact of the Covid-19 pandemic. This conversation led us to wonder want the status and health of nonprofits were in California and in turn our interview in May 2021 with Lucy Salcido-Carter and Christina Dragonetti with CalNonprofits to share with us their work to support nonprofits. Given all of the federal and state funding flowing through the State of California Legislature and the Governor's offices, we wanted to check back in with Lucy Salcido-Carter to update us on all of their public policy work to assure that our nonprofits secure funding and resources to enable them to both stabilize and recover stronger as we come out of the pandemic economy.To become a member and make a donation to support the work of CalNonprofits please go to cal non profits dot orgPlease consider donating to Voices of the Community - Voices of the Community is now fiscally sponsored by Intersection for the Arts, a 501(c)(3) nonprofit organization, which allows us to offer you tax deductions for your contributions. Please consider making a donation to help us provide future shows just like this one.
This episode, we celebrate Financial Literacy Month and Money Smart Week, which runs April 9–16. Our show looks at three big questions around money: How can we raise it? How can we save it? And how do we spend it responsibly? First, American Libraries Associate Editor Sallyann Price chats with Jennifer Byrnes, supervisor of the Business Insight Center at Rochester Public Library in New York. She manages the Money Builders, a camp that helps to build refugee kids' early financial literacy. Then, Editor and Publisher Sanhita SinhaRoy talks with Joyce Garczynski and Karlene Noel Jennings, members of ALA's Philanthropic Advisory Group. They discuss the ins and outs of donating to causes and charities and advocating for nonprofit organizations with your dollars. Finally, Associate Editor and Call Number Podcast Host Diana Panuncial speaks with Kyra Hahn, founder of the Facebook group Librarian 4 PSLF. They cover the Public Service Loan Forgiveness Program and the specific challenges librarians face when repaying their student loans.
Chiropractor Dr Ian Hoffman wants to help you start a non profit and wipe out your student loans. He is an amazing man with an amazing story. His desire to help a 4 year old cancer patient and his need to solve his crushing million dollar debt load lead to his inspired business. The Student Loan Eraser program. The Impact: In the 6 years that he has been teaching The Student Loan Eraser Program his clients will have started over 400 charities that are taking care of over 10,000 nonprofit visits a month! AND those doctors are going to save over $100 million from their student loans.Ian tells us how he built his business with webinars and how creating a non profit to serve their community can save a doctor tens of thousands of dollars off their student loans.There's “Google Slaps”. The power of the email list. The Avatar Process and the perfect customer. Sorting out the who and not the how.And of course, the proven formula to saving hundreds of millions in dollars of student loan debts for his customers.Administrative: (See episode transcript below)Check out Dr Ian Hoffman's Student Loan Eraser Program hear! https://www.erasemystudentloans.com/WATCH the Table Rush Talk Show interviews here: www.TableRushTalkShow.comCheck out the Tools For A Good Life Summit here: Virtually and FOR FREE https://bit.ly/ToolsForAGoodLifeSummitStart podcasting! These are the best mobile mic's for IOS and Android phones. You can literally take them anywhere on the fly.Get the Shure MV88 mobile mic for IOS, https://amzn.to/3z2NrIJGet the Shure MV88+ for mobile mic for Android https://amzn.to/3ly8SNjSee more resources at https://belove.media/resourcesEmail me: contact@belove.mediaFor social Media: https://www.instagram.com/mrmischaz/https://www.facebook.com/MischaZvegintzovSubscribe and share to help spread the love for a better world!As an Amazon Associate I earn from qualifying purchases.Transcript:Mischa Zvegintzov 00:10Welcome everybody to the table rush master class where we get back to the marketing and sales basics to help you the listener, the viewer to grow your business to $1 million and beyond. And I am very, very blessed today to introduce everybody to Dr. Ian Hoffman. Welcome Dr. Dr. Hoffman.Ian Hoffman 00:35Thanks, Mischa glad to be here.Mischa Zvegintzov 00:36Yeah, fantastic. So we chatted very briefly, maybe a week or two ago, when we were setting this up. And, and it's a big gift from for me to have you on here. Because whether you know it or not, you are a massive inspiration for me. And actually, ultimately, the creation of this show, because via mutual friends, you know, I started getting introduced to funnels, webinars, all this stuff. And, and, and this mutual friend was like, oh, yeah, you know, my buddy, effectively, Ian you know, has just doing amazing stuff. And I was just captivated. Right? I was like, "Oh, my God". This is a two to three years ago. So to have you on. Super awesome. So thank you for joining.Ian Hoffman 01:27It's my pleasure. I'm so happy to hear that.Mischa Zvegintzov 01:29Yeah. So real quick. You have a you have a, a program, and it's called the Student Loan Eraser. Correct? Yeah. Fantastic. And so go ahead. Tell me quickly. Tell me about that. And then let's, let's talk about how you how you came to that and were able to bring it to market?Mischa Zvegintzov 01:54Sure. It's definitely a passion project of mine. You know, how it's a there are, I just feel like it was it was what I was put on this planet to do right now, which isn't an amazing feeling. So I'm actually a chiropractor to get into backstory. Yeah, dad's a chiropractor. Both of his brothers are chiropractors, I was born into that also. And I love being a chiropractor. And so what happened was, I was man, like three years into practice. My son was just born, I just came back to the office after taking a couple weeks off. And this, this pregnant mom came in as a new patient.Ian Hoffman 02:37And she brought her four year old daughter to the appointment. And this little girl had stage four cancer. That's the first thing that this mom said to me is my, my little girl. I lost it. I couldn't. I couldn't imagine no parent should have to go through that no child should have to go through that. So to make a long story short, that little girl really inspired me to actually start a nonprofit organization, a charity to expand access to chiropractic and holistic health care for underserved in my community.Ian Hoffman 03:09And as I was going through that process, it was right around the same time that I was really doing some research online about my student loans because I have a lot of debt. I remember having this. I hope I can say this this "Oh, shit moment."Ian Hoffman 03:28Because I remember I had I had just bought a house and between my wife myself, and our student loans, our cars, our mortgage, we had over a million dollars in debt. And that's a heavy weight? That's a heavy weight on somebody's shoulders. Yeah.Mischa Zvegintzov 03:44So how old were you at the time? Oh, man,Mischa Zvegintzov 03:47I'm 29, 30 years old. 30, 31. Something around there? Yeah.Mischa Zvegintzov 03:55And a young child. That's, that's heavy.Ian Hoffman 03:58Yeah, it was heavy.Ian Hoffman 03:59So when I started reading about this federal program called public service, loan forgiveness... I... I... My heart kind of skipped a beat. I had first read about it before I had even had this idea to start a nonprofit. And so there's only three requirements. But one of the major requirements is that you have to have qualifying employment, you have to work for the government or a nonprofit, to be eligible. And then once I had started my own nonprofit, I had this kind of Eureka moment that I might have reverse engineered my own eligibility. And that's exactly what happened. So, you know, fast forward a couple years from there, I wound up starting the student loan eraser, I put together this whole team, and we help doctors start charities with a dual purpose, which is to make the world a better place and get their student loans erased.Mischa Zvegintzov 04:52That's amazing.Ian Hoffman 04:54Thank you.Mischa Zvegintzov 04:54Oh, my gosh.Ian Hoffman 04:56Yeah, it's been quite a process. The transition wasn't easy. I was in practice full time, coming home, you know, having dinner with my family, they would go to bed, I'd be up till sometimes two, three in the morning. Writing the webinars writing the emails, just getting the infrastructure together reading.com secrets. Just feeding my, my, my my mind and getting educated on how to launch an online program because it's something I'd never done before.Mischa Zvegintzov 05:22So So you have the Epiphany, you're like, oh, my gosh, I can I am, you're in the middle of creating this nonprofit, you, you. You, you find out.Mischa Zvegintzov 05:34Here's a way for me to erase my debt, which if you don't mind me asking, What was that number for you? What was the chunk of that of your total debt?Ian Hoffman 05:42I borrowed around 150,000. And it was only going up because most doctors are on an income driven repayment plan, where their monthly payment is actually less than the than the debt, or I'm sorry, less than the interest. And so what happens is that on these income driven plans, they'll pay for 25 years. And at that point, anything that's left is forgiven, but the forgiven debt gets taxed as income. And so once once I heard that I'm like, Man, "this is a this is a black hole". Because I'm gonna just pay for, you know, till I'm 5560 years old. And at that point, I would still have a six figure tax bill.Mischa Zvegintzov 06:27And you're at the 40%, maybe the your, your, whatever, the gradient tax bracket is 40%. SoIan Hoffman 06:35Oh, yeah, that's in California. So between federal and state taxes, it probably would have been closer to 50%.Mischa Zvegintzov 06:41Man.Ian Hoffman 06:42Yeah, crazy.Mischa Zvegintzov 06:43So we're talking about a real number here, perhaps 75,000 Plus, or since it's actually your debts incrementally growing, because you're paying less than the than the amount? You know, you've got 200, or whatever that number is?Ian Hoffman 06:58Yeah. So I tell most people to think about it, like their mortgage, over 30 years, whatever your purchase price is for, you know, on average, right? Interest rate plays a role, but most people are going to pay double, whatever their purchase price was over 30 years.Mischa Zvegintzov 07:13Yeah.Ian Hoffman 07:13And so that's the way I was thinking about my student loans is, if I borrowed 150,000, over 25 years, you know, it wouldn't quite double because I was making payments, but all of the monthly payment was going to interest only I wasn't, I wasn't actually taken care of any of the principal.Mischa Zvegintzov 07:31Yeah. So you have the reverse engineer moment. And, and your in the fire, right of this million dollar debt load, I've been there and it's heavy, right? That's a heavy load. When you're trying to build a business. You're, you've got a son, a son, right? That's that. Yeah. And so trying to balance, like, time with family with the, I get it. It's heavy. I've been there. But tell me about the moment of that. You go, oh, my gosh, a reverse enginer? Did you was it like an overnight epiphany? I could help people with this... And then or was that a slow build?Ian Hoffman 08:14It was it was an overnight epiphany. And then the infrastructure was a slow build.Mischa Zvegintzov 08:18Okay. Ian Hoffman 08:18Russell Brunson says it's, "it's the who not the how." So I needed to find the right people. You know, to put together the team. I needed to write the webinar. I needed to really feel confident that at the end of the day I could deliver on the promise. Because I know how much my student loans caused anxiety for me and sleepless nights. And I didn't want to help anyone take that on; without really being certain that we could help them reach that goal, at the end of the day, of starting the nonprofit and then being able to qualify for you know, public service loan forgiveness. Yep. So it took quite some time.Ian Hoffman 08:19You know, it took me about a year and a half after starting my own nonprofit, to feel comfortable enough with the process to build the team because I'm not a lawyer. I'm not a CPA. I don't you know, I don't do those things. Yeah, so I need to...Mischa Zvegintzov 09:13Yeah.Mischa Zvegintzov 09:14So the we throw... love Russell Brunson, right. I love his Dot com secrets, expert secrets, all that stuff. I'm in his his high end coaching group so thriving in there. But what about finding that like what what what was the journey to alright, I can help people. How did you stumble across Russell Brunson? Or was that just was that like someone said, Oh, you have this great idea try this guy? And you're like okay. Or is that was that a? Was that a rocky transition.Ian Hoffman 09:46I think that's the genius of Russell Brunson and his marketing. He's really good about getting in front of the right people at the right time.Mischa Zvegintzov 09:52Yes. Ian Hoffman 09:52You know what I mean? I don't even know how I came across his material. I'm sure I was just searching online for you know how how to "how to launch" or "how to write a webinar", "how to do an online program". And I had come across other you know, other teachers actually before Russell Brunson. And it's really funny. One of the people that I wound up doing a little work with early on, even before Russell Brunson, is Bailey Richert. And I wound up hearing her on a podcast and then reached out to her and I did her in for infopreneur Institute, I think is what it's called. Yes. That was fantastic. So I had other mentors along the way. But you know, and she was she was fantastic.Mischa Zvegintzov 10:08You do her Summit, and all that, or No?Ian Hoffman 10:47I didn't do her Summit. But she has a an online training. You know, that teaches you how to go from I think almost nothing, just concept idea to just step by step how to how to get your first online program launched.Mischa Zvegintzov 11:04Yes. Okay.Ian Hoffman 11:06So I did that. And it was fantastic. It really helped me to clarify my vision and who was I serving and those kinds of details. And then it turns out later she wound up working with Russell Brunson. So brand and so it's a really small world in the online marketing space.Mischa Zvegintzov 11:24Yeah, fantastic. So so your entry into Russell Brunson land was was Bailey Richert your you take her infopreneur whatever it's called Academy. And, and that's how the idea for the webinar starts to come to fruition and use and you start crafting it there, then you end up in Russell Brunson land is that the?Ian Hoffman 11:48The timeline is a little hazy. Because I was doing a lot of things all at the same time. I was trying to educate myself. So I read a book. Also written by a chiropractor, I'm blanking on his name, but it was it's called social media made me rich. And I read, you know, I was really just trying to I was listening to podcasts, reading books, I was really just trying to trying to get an education on this space. So and at the same time, I was even... I live in Carlsbad, California. And there's an amazing podcast called... Oh, man, I'm blanking on the name of it, too. Anyway, there's an amazing podcast on I think it's the "online marketing made simple" or "Made Easy podcast". But she she teaches webinars and her strategies. And so I've gone through multiple iterations of my current webinar. Ian Hoffman 12:56I did probably eight or ten live webinars. Recorded them all made little notes. Figured out what questions people were asking, tried to, you know, answer those questions in advance as I kept going. And then finally got to the one where we had a really great response as far as sales and people staying to the end of the webinar. And that one eventually went on evergreen.Mischa Zvegintzov 13:21Fantastic. And so is this what we would call a high ticket webinar. So you're trying when I look at your webinar, or your landing page? Yes, reserve my seat now. Great news. It what? I'll tell you exactly what it says plus get a free phone called conflict consultation at the end of the web class. So you're driving phone calls? Or is your... Do you have a do it yourself? Course? A all help you course, I'll do it all for you course? What's your...Ian Hoffman 14:03I only have one...Ian Hoffman 14:04It's it's not a traditional funnel from the standpoint of like... I only have one offer, and that offer converts. And so really, it's $5,000 to $7,000. And at that, that price point, I think that most people...Ian Hoffman 14:21I've had a few people who clicked an ad, they watched the webinar, and they signed up without ever talking to me. And that's super cool. And I was excited about that.Ian Hoffman 14:32But the truth is I wanted to also be able to qualify my clients. And so I don't mind jumping on a 15 to 30 minute call with prospects to really get a feel for who they are, make sure their hearts in the right place with all of this. I'm sure that we would work well together. And to answer their questions, make sure that they know that there's a human behind this you know. So My funnel now is different. It changes over time, right? But my funnel now basically is register for the web class, that is the most important first step, because I want people, frankly, to be pre educated before they jump on the call with me. I want them to be able to ask the right questions to at least have a basic understanding of the Public Service Loan Forgiveness Program. About their student loans. About ways that we can help before they get on the call, so that when I get on the call answer questions, then it's a simple conversation of, you know, what's going on? How can I help what questions you have? Let's address those and then sign up?Mischa Zvegintzov 15:40Yeah, yeah. Ian Hoffman 15:41Yep. Answering all the questions that that you know, you know, the top questions or the top, in sales line, let's call it rebuttals. Right. Ian Hoffman 15:41It saves me a lot of time. Because before I was spending between 30 minutes to an hour with each prospect, you know, sometimes multiple phone calls going over the same material. And that's where a webinar is really helpful in in kind of pre educating. And doing the sales process for me.Ian Hoffman 16:10Right.Mischa Zvegintzov 16:11But let's talk about it from it's more from a service standpoint, though, you're like, hey, I have this vision. This helped me, I want to help you. Not only are is it helping you the doctor, because it's saving you money and clearing debt and relieving stress and all this stuff. At the same time, you get to have a passion project and help the world right? We get satisfaction of the world. Yeah.Ian Hoffman 16:34Yeah, for sure. Most most doctors that I talked to, are already doing some form of this.Ian Hoffman 16:40I think most people got into health care, because they want to help people. You know that that's been really beautiful for me to see, as I'm talking and consulting with doctors. And it doesn't matter what the degree is dentists, chiropractors, naturopathic doctors, you name it. Most of them are already providing some level of discount or free care for, for people in need. And, and so they're just not doing it through a nonprofit. So we formalize that. We formalize their way of giving back, and they're able to qualify for student loan forgiveness as as a result.Mischa Zvegintzov 17:16That's amazing. I love that. That's, it's amazing. I just think it's my favorite thing. My goal is to help people help people, right. I'm like, I'm like, and so to hear you talk about the win win win scenario. That's like the best in the world right now. And I think that's what's genius about Russell Brunson, too, right. He's like, Hey, man, entrepreneurs are the people that are gonna save the world, shall we say, or make it better? Right?Mischa Zvegintzov 17:44And, and to have that win win win situation that you have created, or the universe helped you create, however you want to say it? Is, is beautiful. And inspiring. So thank you. I have a quick question. Your frustration? Well, I want to start with the who, what? Not the how, because that's such a powerful concept. Building the team, and you set it like it was easy. Oh, yeah. I just needed to build the team and make this happen. Yeah, well, no, maybe you're like, I'll do this myself. And quickly, you realize this is going to be a here a Herculean effort. I need help or tell me about that sort of process?Ian Hoffman 18:26Sure.Ian Hoffman 18:26Well, I mean, I, I think it's a matter of, of taking inventory and knowing yourself and your strengths and what you're good at and what you enjoy. And also, what do you not want to do? What do you not enjoy? What what lowers your energy. And so for me, I love writing. So writing the copy, writing the webinar, that...I enjoyed that process. But I didn't want to take on even the the the responsibility of filing these tax forms with the IRS and filing the articles of incorporation. And that legal work is something I knew nothing about and didn't really, I wasn't motivated to learn. So it's also it's also that is finding out, you know, where are the gaps between where you are and where you want to be. And then filling in those gaps, either by educating yourself and then doing it or if you find that you're not motivated, you need to find someone else who that's what they do. So, so I wound up originally working with the the firm that started my own nonprofit, I brought this to them and they said, great, and we brought that to really to, to the scale that they could handle. They were a smaller firm, and then I wound up finding a bigger firm to work with and, you know, wound up transitioning over. But yeah, I mean, I think that's the process is just knowing yourself and what you love and trying to to do that.Mischa Zvegintzov 20:03Okay, did you formalize that? Or was that all sort of intuitive for you? And when I say that I mean, did you? Were you like, Did you literally sit down and write out? Okay, this is what I'm good at. This is what I need help with? Or was it? Yeah, go?Mischa Zvegintzov 20:19I didn't do that I really, I wrote out kind of the curriculum and the steps of "what's the client's journey?" Right.Mischa Zvegintzov 20:30So once I, once I really went through the process of, okay, here's my modules, here's my, my, my system, my formula for the big promise of start a nonprofit and qualify for student loan forgiveness. What are the steps that people need to go through along that journey to really get that end end result that I'm trying to promise people? And then I was able to really clearly see what part of those steps can I teach? What can I help people with? What can we do for them? And then what do I need help with? You know, where can I fill in the gaps with other services?Mischa Zvegintzov 21:09Hmm, beautiful. Thank you. That's it. Thank you for that. Question in regards to Avatar. You mentioned that and everybody watching and listening avatar is "speak" for "your perfect customer". The "the exact person you want to work with". I know for a lot of us, for me, that's an elusive concept, or can be shifting or, or the conversations I keep having are make it super narrow. And so I'll go super narrow, and then the people that are telling me to go narrow, inevitably say that's too narrow, or I get so tell me about your avatar process.Mischa Zvegintzov 21:47Totally. I'm a big believer in you know, for me personally, it was it was a little easier, I think, than some because I am my avatar. You know, I was a doctor with six figures of student debt. And you know there are doctors with multiple, many multiple six figures of student loan debt. And so my avatar was was really anyone who... they I've worked with people that are not doctors, but really my avatar is anyone with over six figures of student loan debt who has a has a service based business.Ian Hoffman 22:28So, that's, that's the most general avatar. But the people who have the most student loan debt naturally are doctors and lawyers. You know, people who went to grad school. So that's, that's where it went.Mischa Zvegintzov 22:28Okay.Ian Hoffman 22:28But the reason it's so important to have an avatar is because, um, you know, along this process of building a funnel, building a business, one of the most important aspects of that is where am I going to get traffic? How am I going to put my ads in front of the right people? And so for me, I know I can get my ads in front of chiropractors, naturopathic doctors, dentists, physical therapists, osteopathic doctors. You know, those are my vertical markets. And in unless you have that avatar specifically drawn out, it's really hard to target.Mischa Zvegintzov 22:28Hmm.Mischa Zvegintzov 23:20And then then the ad process just is too inefficient. It did you can't you? Is that a good way to say it?Mischa Zvegintzov 23:29Yeah, absolutely. I mean, who wants to pay for ads that go to the wrong person that's not even interested? Or a qualified lead?Mischa Zvegintzov 23:37Yeah. Yeah. How was that? How was the do you do the ads? Or did you bring in? Did you bring in a who to do that for you?Ian Hoffman 23:46I've done both what I what I tend to do in my journey, my learning process is I want to learn as much as I can and try it myself first, and then hire an expert, so that I know what questions to ask. I know, I can get to a certain point, they better beat me. You know, they're going to get better results than I did if they're doing this as a professional. So you know, that's just how I am. Yeah. So that's how I started. I did really well, early on in Facebook ads. But then it became complicated because Facebook changed their marketing policy really related to student loan type advertising. And yeah, I mean, that people talk all the time about Facebook slaps and Google Slaps,Mischa Zvegintzov 24:30Google slaps. Yeah. You had one! Tell me about it...Ian Hoffman 24:34So yeah, it happened. And so then, you know, again, it's the who not the how I didn't want to become a Facebook ads specialist on top of everything else I was doing. So then you find the right team who can get you back where you want to be.Mischa Zvegintzov 24:46And so was that a? Was that an overnight crack on the side of the head like your business effectively shut down?Ian Hoffman 24:54I wouldn't say it shut down.Ian Hoffman 24:55So that that is actually the power of having an email list. right? So that's where I'm really glad that I was collecting emails for people who joined my webinar, because there were a lot of people on my email list who didn't bought who hadn't bought. And so what I was able to do once traffic shut down, you know, as I was working on getting that back up with ads... I had an email list of about 4000 Doctors by that point. So I really started emailing my list more frequently. And getting them back engaged and, you know, sending them more information. And really just being more active with that. And that was able to drive sales for a considerable amount of time, as you know, rebuilding the apps.Mischa Zvegintzov 25:44That's fantastic. So let's dive into this email list a little bit. Are... You have a nurture campaign, which means do you email consistently? Or is it? So there's that question? And do you outsource that process that process or tell me about your nurturing of your list?Ian Hoffman 26:07Yeah, I don't outsource that... I do... I enjoy writing. That's one of the things that I enjoy. So for me, and I think those emails are so... those are really important. And I want people to get that kind of information directly from the source. Directly from me. So I don't I don't hire out for that. And I also...Ian Hoffman 26:35I can probably be better about this. But when there's news when there's, you know, especially in 2021, there's been a lot of news, political news related to student loans.Ian Hoffman 26:53President Biden has already raised billions of dollars of student loan debt that President Trump never did for people who have, you know, for example, who were defrauded by their schools. And their schools shut down... they didn't get the you know, their degree. Or for people who have a total and permanent disability, now they can get student loan forgiveness. And so I follow these these things in the in the world of student loans. And I send, you know, information as it comes up to my list.Ian Hoffman 27:17One of the most recent developments in the world of public service loan forgiveness is that... before there were there was a very low acceptance rate into the Public Service Loan Forgiveness Program. Hovering around 2%, actually, which is terrible. And that's because yeah, there are three requirements to qualify. There's actually four different types of federal student loans. Only one type qualifies for this program. There, there are like nine different repayment plan options. Five of those are income driven repayment, those are the ones that qualify. And then you had to have qualifying employment with the government or nonprofit. Ian Hoffman 27:57And the student loan industry is so complex. I personally believe it's designed to confuse so that people overpay. I mean, that's just that's just what it is. Right?Mischa Zvegintzov 28:08Yes.Ian Hoffman 28:08So unfortunately, unless people have done the homework and the research, like I did to say, most people don't even know what type of student loans they have, let's start there. So 15% of PSLF denials were because people just didn't have the right type of student loans. And they weren't being told that there's a free process that can turn any of the other types of federal student loans into the type that qualifies.Ian Hoffman 28:32So that's the first step with my program, I look at what type of loans they have, what repayment plan they're in, and we make sure that they meet those first two requirements. But because the program was so messed up... recently, there, I think it was President Biden or the administration said, "we're gonna we're gonna, you know, wipe away those first two requirements".Ian Hoffman 28:54So now any type of student loans and on any repayment plan, as long as you're a government and nonprofit employee, you can qualify for Public Service Loan Forgiveness right now. So they actually made it easier than ever before, to to enroll in this this program.Mischa Zvegintzov 29:11Wow. That's amazing. So you're disseminating information like that to your list and useful information. And obviously, strangely, it's either a blessing or a curse. You're fascinated by the by the, by the student loan process.Ian Hoffman 29:29Yeah. That was originally fascinated by it. But you know, I think originally when I, when I went to try to get my first mortgage, I was told that my income was good, but my debt to income ratio was all messed up because of the student loans.Mischa Zvegintzov 29:45Yeah.Ian Hoffman 29:45So I really got inspired to understand my student loans so that they didn't hold me back in life. You know what I mean? And then and then meeting that little girl with stage for cancer and everything else that came after it really was You know, the universe or something aligned? Yeah. To help this this product, this service come to fruition?Mischa Zvegintzov 30:08Yeah, I don't mean to go political, but I'm going to it almost seems to me, and I've had this thought that that a lot of these schools were, literally were created as a vehicle to create student loan debt. Right. Like, almost people with lots of money, we're like, we want to, we want to, you know, collateralize debt or securitized debt obligations, or whatever, you know, the bond market, right. And so they're like, alright, we got we want student loans, we can, the government will subsidize it. Right? So they got you got venture capitalists with billions of dollars that want to create CDOs, or collateralized debt obligations? There we go. And so they're like, how can we do this? This is just a theory. I don't mean to you, maybe you could speak to that for a second. You know, it's like,Ian Hoffman 31:11Yeah,Mischa Zvegintzov 31:12Yeah it's like... go ahead...Ian Hoffman 31:14I mean, I have heard a few different, you know, theories as far as the student debt crisis in America and how it came to happen. And, you know... I think that what we do know, is that part of the issue is that tuision, has just gone up and up and up and up far faster than the cost than the then the salaries that the degrees people are being trained in provide. And so...Ian Hoffman 31:50But the reason that they're doing that is because the schools know what someone can borrow. So if someone can borrow $10,000 a quarter, you know...They're gonna make their tuition, you know, whatever the the the very minimum that somebody can can have for, you know, room and board.Mischa Zvegintzov 32:10Yes. Ian Hoffman 32:11That, you know, plus tuition is $10,000. So, you know, that's, I think that's more of the issue is that it's not, it's not commensurate with what, what someone can expect to earn from that degree. It's not...Ian Hoffman 32:30There's a lot of unethical practices, I would say, but most importantly, is just that people aren't being educated on the responsibilities that they're taking on... when... you know, if... If I was 20, I'm trying to think of when I when I started at chiropractic school, graduated high school at 18. College at 22.Ian Hoffman 33:00So if I was 22 years old, and I went to try to get a mortgage for six figures, yeah, you know, there's no way but sure, you, we can give you six figures, you know, of debt for for college, right. So and it's an it's that it's a, it's a trap unfortunately, for a lot of people. I'm I'm, I value my education to no end. And I would do whatever it took to repay my debt. And and I was on that path. I was, you know, whether it was making my monthly payments, and then paying the tax bill. Or earning more and paying it off more quickly, I would have done whatever I could, it wasn't about getting out of the debt.Mischa Zvegintzov 33:43Yes.Ian Hoffman 33:44But the fact that there's a federal program out there, that would erase my debt, because I was helping more people and providing a public service. I was all after that.Mischa Zvegintzov 33:54I love it. That's a great, great way to frame it, you are committed to like, Hey, I have this debt. If I took it on, I'm willing to be responsible for it. I as a matter of fact, I'm trying to pay it off sooner. So I can be a responsible consumer or whatever, you know, like... Reduce the lifetime interest on the damn thing or stuff. Right. Like and, and, yeah. But then you figure out an ethical way. I didn't even think about this. The you're like, oh, wait a minute, like, I'm trying to be responsible. Here's an alt solution to be responsible. And yeah, it's beautiful. Did I frame that right? Or did I say that right?Ian Hoffman 34:35Yeah, you did. You know, and, and...Ian Hoffman 34:35Why are we bailing out banks at three quarters of 1%? When a student who wants to become educated and become a doctor, we're gonna put them into student debt slavery for the rest of their life? You know, it doesn't make sense. So I do you feel, in some senses like Robin Hood you know... Trying to... cuz the student loan industry is huge.Ian Hoffman 34:35There's $1.5 trillion of student loan debt out there. It's more than credit cards and car loans combined. So it affects 45 million Americans, it's a huge issue. And that's why I feel really good about helping people to sleep better at night to get that student loan monkey off their back and to give back in the process.Ian Hoffman 34:37I go back to you know, you asked about the the student loan industry as a whole and I think what's crazy is when the banks needed a bailout, the federal government gave them that bailout at 0.75% interest rate. When I got my student loans, it was 6.8%.Mischa Zvegintzov 34:58Oh my god.Ian Hoffman 34:59So why that that feels backwards to me. Right?Mischa Zvegintzov 35:45Yeah, that's beautiful. Thank you for that. Let me ask you a question. As far as like, internally, you you're coming across these these professionals, medical professionals. Who are, you know, who have this burden who are trying to do the right thing and have a they're kind of doing the philanthropic thing, they might not even know it it sounds like right. They have the activities and and you can wrap that, that nonprofit around it. What's like, the thing that, that they're thinking in their head that they're like, this doesn't make sense. What What's that? What's that? You know, what I'm saying? Like, how do you what is that thing that that, that that doctor in that situation internally is like, Yeah, but like, what's that thing?Ian Hoffman 36:35Regarding my program?Mischa Zvegintzov 36:36Yeah, regarding your program. Mischa Zvegintzov 36:39Yeah, like that internal, where they're like, they're thinking, like, well... I can't do it. Or I don't have the time. Or what is the what's like, what, what's the thing that stops people from taking advantage of this amazing thing internally? I guess, is what I'm trying to say. Right.Ian Hoffman 36:54Like, I mean, I think most often, it's that we have this silly phrase that, you know, if something sounds too good to be true, right? So I do hear that... And you know...there...Ian Hoffman 37:06Unfortunately, it's an industry where there are there are some scams out there, there are people taking advantage. And so I understand when my clients have questions, and they want to do their due diligence, and that's why I stopped selling the program directly from the webinar. And I want people to get on the phone with me. Because I want them to hear my heart and my purpose behind this. And I want to make sure that they're aligned with that. And I want to make sure that they understand that it's not me personally offering to forgive their student loan debt. And they do have responsibilities when they decide to join my program. They have to run the nonprofit, effectively. They have to learn the difference between how to run a nonprofit versus a for profit. We do all that training. But you know, there, I have this great quote, from www.nonprofitquarterly.org. Ian Hoffman 38:03They said six months of executive training for nonprofit professionals to on compliance costs between $4,000-$30,000. And that's included in my program, because I want people not just to help them start a nonprofit, I want them to be trained, so they can run it effectively in compliance with state and, and federal regulations. And so they're that means that they are taking on a different responsibility. Instead of paying their student loan debt, they need to know that they are now going to learn how to run a nonprofit, and how to do that effectively, how to avoid conflicts of interest, and how to, you know, to meet the specific requirements for public service loan forgiveness.Mischa Zvegintzov 38:51So you help them do all that.Ian Hoffman 38:53We help them do all of that.Mischa Zvegintzov 38:55Is that like the biggest, the biggest sort of outside issue that that that a medical professional is going to feel when they when they come across this idea? Your your student loan? I forgot the name, I'm sorry, student loans eraser.Ian Hoffman 39:11Yes.Mischa Zvegintzov 39:12Is that is that is that the is that like the thing where they're like, wait a minute, this sounds too good to be true. But then they get you on the phone and they feel your heart? And they say, oh, no, this is real. I can do this. But then they're like, oh, there's this outside stuff. Like, is it that compliance piece? Or is it is it well, my wife's gonna think I'm crazy or what? What's that?Ian Hoffman 39:34So first, it's too good to be true. And then it's, it's the other two big ones time and money. Right. So how much is this going to cost? And how long is it going to take for me to get it set up? What are my time requirements in running the nonprofit? You know, what are those things look like? So those are all important questions that most people have. That I addressed to a certain extent on the webinar, because I know everyone has those questions. Yeah, but then we We go deeper on the phone calls.Mischa Zvegintzov 40:01Okay, cool, cool, cool. And what's the what's like the epiphany moment for them where they're like, oh, my gosh, I have to do this.Ian Hoffman 40:09Yeah, um... Ian Hoffman 40:09Most people know they have to do it when when they look at how much student loan debt they have. You know, when they look at their options. Because you know, the truth is... I break it down. Ian Hoffman 40:09There's three, three ways to get out of your student loan debt, right? Number one, you can pay for 25 years, well, let's say four years, you can pay it off. But when you have multiple six figures of student loan debt, most people cannot do that in, you know, in a reasonable amount of time. Number two, you can go on an income driven plan, make the minimum payment for 25 years and save for that tax bill. That's, that's the way a lot of people go. Number three, you can qualify for public service, loan forgiveness, and get it erased in half the time tax free. That's the option I provide. And number four is die trying, you know, those, those really are the options. So between those four options, when you really break it down, people are able to see that, you know, if I can get out of debt in less than half the time tax free. That's really the way to go.Mischa Zvegintzov 41:23Thank you for answering. I want to know how many times did you almost quit in this process? How many times were you like, oh my gosh, this is amazing. And then the next day like, I can't do this another day? Yes. Because it's so hard building this.Ian Hoffman 41:40Yeah, I will say that I almost quit a few times before my first launch. Once I did my first launch. i i I've never looked back. So the first the the first year was really a challenge because that's when I was still full time in practice. Still, you know how to have had a new family. You know, a lot lots of obligations. And I wasn't sleeping much because I was trying to get this thing off the ground. So it was stressful. It was stressful for sure. Plus, you know, I was running a for profit and nonprofit, you know, so I had a lot going on. And I did I did get to a few points where I'm like, What am I doing? What Why? Why am I doing this? Right? Yeah.Ian Hoffman 42:32But, uh, then I looked at that little girl with stage four cancer, you know, and I remembered my why. And she's now December of this year, she'll be six years cancer free. When we first met, she was as bald as me now her hair is as long as yours, you know. So yeah. And so now I realized that the the impact is what drives me my clients are taking care of over 10,000 nonprofit visits a month. Which is amazing. So yeah, I wanted to quit early on. But...Mischa Zvegintzov 43:09Oh my god, thank you for that. Say that, again, what your nonprofit is doing what Say that again.Ian Hoffman 43:13So fast forward now. In the five and a half for six years or so that I've been teaching this. We by the end of this year will have started over 400 charities, and those doctors are going to save over $100 million. And they're taking care of over 10,000 nonprofit patient visits per month. So those are the numbers that are important to me. Oh no, I know that as those numbers grow, so too, so does income.Mischa Zvegintzov 43:43You know what? I I literally wrote this down. And I wrote down it's an effort to create something like this. You deserve a standing ovation. Right? Just for the fact that no truly I mean, and I'm not even talking that's just on the creation and now that I hear like your impact. Oh my gosh, I just I you know... I need the... what I was gonna say is I need an applause but I need the standing ovation applause button. So what great inspiration. um, so are you you're not chiropractic anymore? Or you do it a little bit or what's going on there?Ian Hoffman 44:22I'm not I'm not I really miss it. And so you know, one day I hope to have a little office with a box on the wall "Pay What You Can" you know that that kind of thing. That's That's my dream retirement. But for now...Ian Hoffman 44:39I also know that the the Public Service Loan Forgiveness Program in and of itself is probably not going to be around forever. There's there's been over a million people that have submitted their employment certification form. There's a lot of interest in this program as complex and difficult you know, as as it is. And so Every year in office President Trump asked Congress to close enrollment in public service loan forgiveness. And they never did. But it put the program on the chopping block where... there was always a grandfathering clause that said, once you're once you're enrolled, and once you have your student loans...they're not trying to take it away from anyone who is already enrolled. But they would close enrollment from that point forward to not let the program continue to grow. And Congress never changed it. They never they never did that. So the program survived. President Biden seems very in favor of all of the student loan forgiveness programs, including public service, loan forgiveness. And they're making great strides to fix it and make it easier for people. So, you know, political shifts can change. And, you know, I'm, I'm in this for as long as I can be.Mischa Zvegintzov 45:58Does it keep you up at night at all? Are you ever Are you ever or do you have a connection or a trust factor that like, if this evaporates, "I know there's next"?Ian Hoffman 46:08Yeah, you know, the cool thing is that, because I was fortunate enough, I wound up getting a to two comma Club Award. This program, which was super fun, I got to shake Russell Brunson. And it was amazing. And, and get on stage at Funnel Hacking live in front of 1000s and 1000s of people.Mischa Zvegintzov 46:26Yeah,Mischa Zvegintzov 46:27What year was that? What year was that?Ian Hoffman 46:292019.Mischa Zvegintzov 46:29Yeah, not Nashville was that which was Nashville? Yes. Yeah. Congratulations, another applause button.Ian Hoffman 46:38Thanks. That was super fun and a cool accomplishment. But since then, I think just naturally, you know, people hear about that. They find me online, somehow through to comic club or whatever. They I've had people reach out to me and ask me for help. Because they're trying to get an online program launch. They're trying to write a webinar, they're trying to go through this process. And the most common thing I hear is, I don't know what to do first. Okay, even if I do that, what do I do next? And so I've really had fun taking on a handful of select clients. That, you know, are people who are doing something that I really believe in. That are making the world better. That are helping people with their product or service. And, you know, I've helped a couple of them get to market, get on Click Funnels and, and develop their, their funnel. So I do some of that coaching. And I think that if, if Public Service Loan Forgiveness went away overnight, I would probably have a lot of fun getting into that more.Mischa Zvegintzov 47:47Yeah, yeah, great, what a gift. But how cool is that? To know that that can shift there if necessary, or wherever the universe is going to take you. Or however you...Ian Hoffman 48:01Yeah totally.Mischa Zvegintzov 48:02Yeah, that's super cool. Any upsells down cells along the way you have? Or are you? Or do you have like progression for your doctors? So you have your first $5000 to $7,000? Class? Is there a next step for them? Or no, you're pretty focused on that.Ian Hoffman 48:26There, there's not. There's no upsell, so to speak, as far as as that's concerned. But I do remember reading about how important it is to have a continuity funnel to have monthly recurring revenue instead of just one chunk at a time. And so I got together about two years ago now with the team that I use to do the legal work. So they write the articles of incorporation and bylaws send that to the state, they send the required documents to the IRS. And so they have a great team.Ian Hoffman 49:00And we put together a compliance program for my clients. Where we call it the "hands free 501 C three maintenance program". And so that includes help with bookkeeping, payroll, state and federal tax returns, help with their board meetings. You know, compliance questions, all of that. And really it that it's $157 a month, we tried to keep it really affordable. And it's it's an option. Some of my clients choose to keep their nonprofit, very low budget, and they do all those things themselves. But for the ones who are really busy, the ones who their nonprofit can afford it. We do have that as I would say kind of an upsell. Ian Hoffman 49:48And then as a down sell. The first step in this whole process is making sure that people have the the first two requirements. They have the right type of student loans. And they're on an income driven repayment plan with the lowest possible monthly payment, because that helps us maximize their savings and cash flow.Ian Hoffman 50:08And so I do a custom student loan plan. For people who are on the fence, they're like, show me my numbers, how much can I save? Before I sign up, so that sometimes I have specials, that's usually somewhere between $297 and $497. But you know, that's a great way for people to get their numbers and see how much they're going to save before they jump into the full program. So really, it's about twice a year, I'll send some emails, you know, telling people about the the custom student loan plan. And that works great as well.Mischa Zvegintzov 50:46Fantastic. Thank you for answering it. And I next interview, I'm going to ask it more delicately because upsell and down sell can sound a little salesy, right. But really, oh, here's an added value. If you're a busy, medical professional, and you're, you're cranking away at your business, and you've created this nonprofit that's thriving. Or maybe more than they anticipated, or something, you're like, hey, we can we can maintain your compliance on a on a monthly basis. So you don't have to worry about it. It's beautiful. Right? Versus, and then you've also got, hey, someone's not ready to feel like you know what, I think I'll just start with like, let's clean up my my student loan debt, let's just clean it up a little bit. Make sure I'm maximizing, you know, interest rates and all that sort of stuff. Yeah?Ian Hoffman 51:38Sure.Mischa Zvegintzov 51:38Yes. Great.Ian Hoffman 51:39There are people that that start there. And I show them that they can lower their their payments enough where it pays for the full program in and of itself within two years, or whatever that is. So it's just a nice way to help people save money and provide value quickly. And then if they choose to get started with the full program, great. If not, they've had a great interaction with me. And hopefully they saved a ton of money.Mischa Zvegintzov 52:07Yeah, fantastic. And I'm looking over here a little bit as a, as we're talking, I'm looking at your landing page, the introduction to the webinar. And there was something I saw on there about a group, there's you do you have a group associated with this? Where? Yeah,Ian Hoffman 52:25Yeah, so all my clients, one of the bonuses that they get is access to a private Facebook group. We have, I think there's, there's over 200 doctors in that group at this point, it might be 250 At this point. But it's, it's a way for them to share resources and provide community support. Sometimes someone will find an article, even though I stay really up to date with the political stuff regarding student loans. Sometimes they find things before me, and they post it there, and then I get a chance to comment. So they're, you know, people will have questions about anything, you know, related to their student loans or related to the nonprofit, and we get to provide community support, share referrals, resources that way.Mischa Zvegintzov 53:14Cool. What's sort of the coolest thing you've seen on the group? Where you're like, Whoa, I didn't expect that. That was amazing.Ian Hoffman 53:21Yeah. Um, to be honest, it was like, it was a, it was a fear that turned into a really cool, powerful moment. So I had somebody who posted that they were flagged for an IRS audit. And it was something that was totally unrelated to their student loans and to the nonprofit. But they wound up posting, you know, as they went through the process that the IRS, the nonprofit that we started for them got looked at, and it passed with flying colors. There were no the IRS had no issues with the setup or with with any part of that. So that was fantastic for everyone in the group to see. We cross our T's we dot our I's we teach it a certain way.Mischa Zvegintzov 54:10Yes. Ian Hoffman 54:11We do that because you know that that's the way to do it.Mischa Zvegintzov 54:15Yeah.Ian Hoffman 54:16There's, there's only one way in my opinion, if you're going to go down this path, and that's the rightMischa Zvegintzov 54:21way. That's beautiful. Ian, thank you so much. Um, I had one other question. It just escaped me. Um, maybe that means we should be done.Mischa Zvegintzov 54:32Oh, but I wanted to tell anybody watching and, and listening. Either go into the show notes or click below www.erasemystudent loans.com click on that link. And you can check out the webinar and just get all the quality information and if it makes sense and you want to reorganize your debt or start a nonprofit help save the world and wipe it off the books or or what have you click on that link and learn. I guess my next question is, is there like a breakeven point you have? So if someone's got, like $10,000, in student loan debt, obviously, you know what? Probably not, I'm not your guy, is it? Like, right? That's what's that number and above?Ian Hoffman 55:19It's not so much a specific number of an amount of student loan debt, although I will give you that number. Um, it's, it's their debt relative to their income, because, for example, if they have $50,000 of student loan debt, but they have no income, than the $50,000 is still gonna be there. Plus interest 10 years from now? Yes. Right. So, you know, that's why it's related to their income, versus if they have $50,000 of student loan debt, and they make $250,000 a year, they're gonna pay that off before they qualify for forgiveness, right. So that's why it's it's debt relative to their income. And for the most part, I would say, you know, if you're, if your monthly payment is at or below interest, meaning, if your debt is not going down, yes, then we that's how we know that this might be a good option for you. And I would say that, at a minimum, I typically want to see somewhere between $50,000 and $70,000, of student loan debt, you know, to take on a client. However, I have, I have had clients that have $750,000 of student loan debt. So it's no joke, you know, as as a naturopathic doctors right now are graduating with $400,000. Dentists are graduating with $400,000.Mischa Zvegintzov 56:47What!?Ian Hoffman 56:48And some people have multiple degrees. So yeah, and then, you know, on top of, let's say, You graduated with $400,000 of student loan debt, and you didn't have a substantial income right out of school, five years later, that might be significantly higher. So that's why we start to see people who have half a million dollar plus a, you know, that's that those are really my favorite clients, because there's no way they're paying that off, you know, unfortunately.Mischa Zvegintzov 57:22Unfortunately, so they could actually be thriving as a practice and have a ton of income, but that the burden of that debt is just... It's heavy, right? Like it. Especially if you're growing a family and doing all that and have a house, totally things.Ian Hoffman 57:38There are statistic statistics now on student debt related suicides, and student debt related divorces, and student I mean, it's just, it's miserable. Um, so, you know, I would say, for anyone in those kinds of positions, um, you know, there's help.Mischa Zvegintzov 57:57That's amazing. Um, and so I just want to recap, one thing, if what I'm hearing you say is, if someone's making a million dollars a year, and they have $100,000, in loan debt, and they have no other debt, like that's not your guy, because they can just effectively pay it off. Quick anyway, right, like, pay it off, versus going through the hoops of paying me all this stuff? Is that effectively what I heard you say?Ian Hoffman 58:21Correct. Um, that being said, I do have clients who are earning in excess of $250,000 a year, so. But, again, if you're earning debt load, but you have half a million dollars of debt, that's why it's not just a picture of how much debt you have. It's debt and income,Mischa Zvegintzov 58:39I get it. It's like the debt to income ratio, if you wanted to call it like that. Right? And it's, it's the whole debt to income ratio, right? Like by the time you have your car payment in there, maybe some credit card payments in there, and maybe some, right when you put the whole picture together. It's like yeah, you could be making a lot but but that total that load? Okay, you've answered the question. I don't mean to brow that any brow beat that anymore? Did you want to clarify there? Because I didn't mean to dilute that message. If I did,Ian Hoffman 59:07No, no worries. And and I'm happy to have people check out the web class, make sure that this is something that they want to pursue, get the information and if they're not sure, on their those numbers, you know, jump on a call with me, we can always start with the custom student loan plan. That's why I have that option to run the numbers for them.Ian Hoffman 59:27And I also provide two money back guarantees in my program because I want to make it a no brainer. So the first guarantee is that after they sign up, when I do the first step, and I look at what type of loans they have, what repayment plan they're in, I estimate how much they can expect to save by qualifying for public service loan forgiveness. And if I can't provide a you know, an estimate of 1,000% return on their investment, you know, basically meaning. The program itself is is $5000 If we if I'm not going to show them that they're going to qualify for at least $50,000 in savings, then I give them an opportunity to have a refund.Ian Hoffman 1:00:10And then the second guarantee that I make is that one, it's their responsibility from that point forward to complete the steps in the student loan eraser and go through the course and with my help and guidance, but once they complete the process, I the last step is that they send a document to the Department of Education, letting them know that they now have qualified employment, and they get a letter back saying, letting them know how many payments they've made, or how much how many months they have that count towards public service, loan forgiveness. So they know they're in. If they get denied, they get we work with them until they get approved or they get a refund. So it has to work or I don't feel that I deserve to keep the payment.Mischa Zvegintzov 1:00:53That's amazing. That is amazing. That's amazing. And thank you for explaining it that way. That's that's clear and concise. Like that's almost if you fit if you fit the person that can use help that needs they can they can get you can help clean up their their debt load serve community. like they fit that model. If you aren't able to come through it's not it's it's a no lose situation. That's That's powerful. Wow. I know you're a busy guy. I know you've got a son out there still and all that and so I want to I want you to let you get back to your day. But I want to tell everybody again, erase my I'm looking at it. It's a beautiful it's a beautiful landing page very concise, easy to easy to figure out what to do https://www.erasemystudentloans.com/ The link will be in the show notes as well but absolutely click on it. And just the impact I'm I just getting the chills by the impact I just that you're bringing is really truly beautiful and inspirational. So thank you for that. Ian. Dr. Ian Hoffman. I'm gonna hit stop, and then we'll say goodbye offline.Ian Hoffman 1:02:18Okay. All right. Thank you, Mischa, I appreciate the opportunity.Mischa Zvegintzov 1:02:20Indeed. Cheers.
(Florida News Connection) - As more than 200 organizations call on the Biden administration to extend the pause on student-loan repayments, some borrowers are finding success through the Public Service Loan Forgiveness Program. The Biden administration's approach to student-loan relief so far has been on improving or expanding a handful of programs that already were on the books, even as advocates press for the campaign promise of canceling $10,000 in student debt per person. Susan Garcia is a professor of the New World School of the Arts at Miami Dade College, who said she was able to see her loans forgiven in the modified program for educators, nurses and public employees who give 10 years of service. "It is $92,000 of payments that are being forgiven, that have been forgiven," said Garcia. "And for me that is, like, incredible because I'm, like, 58 years old, headed toward retirement, I have a 17-year-old son who is looking to go to college and trying to figure out how he's going to do that." Garcia is encouraging others to take advantage of the now-streamlined program which, according to the education department, already has forgiven $2 billion dollars in debt. The pandemic moratorium on federal student loans is set to expire after January 31. Garcia said the student-debt crisis is real. She credited organizations such as the American Federation of Teachers for pushing for reforms to make it possible for her loans to be forgiven, which started out at around $120,000. "Don't get me wrong, it wasn't like I didn't make payments," said Garcia. "I paid over $148,000, mostly interest only since I separated from school." One major change to the Public Service Loan Forgiveness program allows all payments by student borrowers to count, regardless of loan program or payment plan. That waiver runs through October of next near. However, a survey by the Student Debt Crisis Center found that 89% of fully employed student loan borrowers said they were not financially secure enough to resume loan payments on February first. --- Check out our sponsors at Chase Bank, Ashley HomeStore and Caribbean Apparel clothing. --- Send in a voice message: https://anchor.fm/chris-pugh6/message
In this episode Song and Sara discuss some of their own journeys with debt - especially around student debt. U.S. Department of Education Announces Transformational Changes to the Public Service Loan Forgiveness Program, Will Put Over 550,000 Public Service Workers Closer to Loan Forgiveness Federal Aid Increases College Tuition and Student Loans Credit Card Debt is Bad for your Health email us at hello@songandsara.com find us at songandsara.com or on Instagram
Money Talks loves bringing in expert guests to bring you a variety of topics but sometimes we just sit back and encourage you to call in about anything you'd like to discuss when it comes to your personal finance. We do have a selection of stories that have been in the news to discuss between your questions.Discussion:"Stay the course" - S & P up this yearMeta -verseOn April 13th, 2021 Money Talks hosted Executive Director for Mississippi Home Corporation, Scott Spivey. We learned about the Rental Assistance For Mississippians Program known as RAMP. You can find our podcast from April 13th 2021 for additional information. http://moneytalks.mpbonline.org/episodes/money-talks-ms-home-corp https://ms-ramp.com/NPR recently reported that a California man in 2014 bought a season pass at Six Flags for $150 that included two meals a day. He has eaten nearly every meal at Six Flags over the last 6 years. He says with all his savings, he paid off his student loans and bought a house.https://www.npr.org/2021/10/26/1049222059/california-man-has-eaten-nearly-every-meal-at-six-flags-over-the-last-6-yearsThe head of the office of Federal Student Aid told lawmakers that his agency is preparing for federal student loan repayments to resume early next year. https://www.npr.org/2021/10/28/1050110273/4-things-to-know-about-possible-changes-to-your-student-loan-debtIf you are employed by a U.S. federal, state, local, or tribal government or not-for-profit organization, you might be eligible for the Public Service Loan Forgiveness Program. https://studentaid.gov/manage-loans/forgiveness-cancellation/public-serviceAccording to various websites, here are recommendationsOn what TO buy in November: Smart home devices, Cookware and small kitchen appliances, Smartwatches and wearables, Smartphones, wine, baking ingredients, travel - other than Thanksgiving, tools, and cookwareHere's what NOT TO buy in November:Doorbuster TVs – wait to buy before the Superbowl, Ultra-low-price laptops (There is disagreement about these items. Some say the electronics offered aren't the best quality.) Jewelry, Holiday merchandise – buy after Christmas, A new car – there's a tight supply due to chip shortage, Large appliances and mattresses – buy these Independence Day, Labor Day and Memorial Day sales. Mississippians enrolled in the Supplemental Nutrition Assistance Program are eligible for a supplemental benefit in November. Similar benefits were offered over the previous months to assist certified SNAP households during the pandemic, Mississippi Department of Human Services officials said last week. Check for eligibility for SNAP benefits https://www.mdhs.ms.gov/economic-assistance/snap/ Calls:debt ceilingmeta moneyIRAs and Roth IRAs See acast.com/privacy for privacy and opt-out information.
To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29 If you've been struggling to qualify for federal student loan forgiveness, you're certainly not alone, but relief could be just around the corner. The Department of Education says it's launching a major overhaul of the Public Service Loan Forgiveness Program, which critics think is too complicated. The proposed changes would affect around a half million borrowers those working in jobs with the government or non-profit organizations. Today, Rob West explores some of the confusion and explains a few of the changes that may be coming. The program forgives student loan debt for those who have worked in the public-sector and have faithfully made their loan payments for 10 years. Thousands of borrowers have complained that the application process is difficult to understand. This has led to costly and time-consuming errors, and applicants who have met all the necessary requirements have been told they are ineligible for loan forgiveness. The Education Department has admitted that only about 5,000 people have had their student loan debt forgiven in the 15 years existence of the program. The Education Department says it will review all existing procedures to find ways to streamline the application process and improve communication for all parties. Additional changes they want to make should give military service members and federal employees more access to the program and would allow members of the military to have their active duty time count towards the program, even if their student loans were in deferment or forbearance. Two hundred organizations and teachers' unions have pressured the White House to take steps to cancel debt for borrowers who have followed all of the requirements. The administration has extended deferment on federal student loan payments until January 31, 2022, due to COVID, and if you're still working full-time for a qualified employer, you will continue to receive credit toward the 10 years of required payments even if you're not making them. If you have student debt but don't want to work in the public sector, here are some things to keep in mind: Save as much as you can for college and consider a tax-advantaged 529 plan. Borrow as little as you can If you do borrow for college, before signing for a student loan, make a firm commitment to yourself that you will graduate no matter what. A college degree can lead to better earning potential down the road, but if you borrow for college and don't graduate, you'll have all the debt with none of the benefit. Rob says you should think of college as an investment. You want to find the sweet spot between following your dreams and choosing a major that gives you skills prospective employers want. And remember that the less your desired job pays, the less you can afford to borrow. Fox Business News has an interesting article about the imbalance many graduates are facing between the amount of student debt they hold and the annual earning potential in their chosen fields. You'll find it here: https://www.foxbusiness.com/personal-finance/student-loan-debt-college-degree-study Next, Rob answers listener questions including the following: I started withdrawing funds from my 529 account, do I need to report that on my tax return? My husband and I have approximately $30,000 across three different IRA's, would it be beneficial to roll them all into a ROTH IRA? Should I transfer money from my 401K to a Kingdom Advisor, even if it incurs fees? Should I move my overseas investment accounts back to US markets? Remember, you can call in to ask your questions 24/7 at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can listen to past programs, connect with a MoneyWise Coach, and even download helpful resources like the free MoneyWise app. Like and follow us on Facebook at MoneyWise Media for the very latest discussion! And remember that it's your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab on our website or in our app.
Apple announced that they are sending out invites for there Oct 18 event. Investors are looking for this to potentially be the release of new Airpods and New MacBook. William Shatner the actor who stared as Captian Kirk in the series Star Trek makes his first space voyage aboard Blue Orgins New Shepard Rocket named NS-18. On Oct. 6, the Department of Education announced a series of changes to the Public Service Loan Forgiveness Program to address the program's history of rejecting roughly 99% of borrowers who apply for forgiveness. Since taking office, the Biden Administration has approved over $9.5 billion of student loan relief, mostly for borrowers with a total and permanent disability. The amount forgiven, however, remains a small percentage of the over $1.7 trillion worth of student loans that Americans still collectively owe. FDA Approves Vuse which is the first e-cigarette that has been approved by the FDA. This is a big step forward for the vaping community and will potentially lead to more brands being approved.
 WORK Department of Education announces Public Service Loan Forgiveness Program changes—3 things you need to know Published Wed, Oct 6 2021 11:36 AM EDT Abigail Johnson Hess @ABIGAILJHESS Share  Miguel Cardona, Education Secretary at the Queen theatre on December 23, 2020 in Wilmington, Delaware. Joshua Roberts | Getty Images News | Getty Images On Wednesday, the U.S. Department of Education announced a series of changes to the Public Service Loan Forgiveness Program. PSLF allows borrowers with federal direct loans who make 120 qualifying monthly payments while working full-time for a qualifying employer to have the remainder of their balance forgiven. Qualifying employers include any federal, state, local or tribal government and not-for-profit organizations "Today, the Department of Education is announcing a set of actions that, over the coming months, will restore the promise of PSLF," reads a statement from the Department of Education. "We will offer a time-limited waiver so that student borrowers can count payments from all federal loan programs or repayment plans toward forgiveness. This includes loan types and payment plans that were not previously eligible. We will pursue opportunities to automate PSLF eligibility, give borrowers a way to get errors corrected, and make it easier for members of the military to get credit toward forgiveness while they serve. We will pair these changes with an expanded communications campaign to make sure affected borrowers learn about these opportunities and encourage them to apply." The PSLF has previously been criticized for failing to live up to its name and purpose. In 2018, the Department of Education released data that indicated 29,000 borrowers had applied to have their student loans forgiven under PSLF, but only 96 received forgiveness. That means that over 99% of borrowers who applied were rejected. In response, Congress authorized an expansion of the program. However, a 2019 Government Accountability Office report found that approximately 99% of loan-forgiveness requests under that newly expanded program were rejected. According to the report, the Department of Education processed nearly 54,000 requests for forgiveness, approved just 661 and spent only $27 million of the $700 million Congress set aside for the expanded program. "The changes address several flaws in the PSLF program. Some payments, for example, didn't count toward forgiveness because autopay programs rounded the payments down instead of up to the nearest penny," says higher education expert Mark Kantrowitz. "They should have made these changes long ago." Here's what you need to know about the PSLF's "overhaul": The waiver has a deadline Perhaps the biggest change announced is that the Department of Education will offer a limited waiver so that borrowers can have their payments counted, "regardless of loan type or repayment plan." The Department estimates the waiver will bring over 550,000 borrowers an average of 23 payments closer to loan forgiveness and make 22,000 borrowers immediately entitled to the cancellation. The Department also reiterates that the waiver is strictly a "temporary opportunity." Borrowers who need to consolidate will have to submit an application and a PSLF form by October 31, 2022 to have previously ineligible payments counted. Additionally, the Limited PSLF Waiver will only be available to borrowers who have Direct Loans, Federal Family Education Loans and Perkins Loans (and not private loans) and will only apply to loans taken out by students. Military service may be counted as payment Of note, the new rules will mean that a borrower's months spent on active duty can be counted toward the PSLF, even if the service member's loans were on a deferment or forbearance rather than actively in repayment. "Too often, members of the military find out that those same deferments or forbearances granted while they served our country did not count toward PSLF," reads
CANADA Strengthening COVID Mandates. Mitch McConnell offers to allow an extension. The Gov't to Overhaul its Public Service Loan Forgiveness Program. Dave Chappelle's New Special. Kelly Clarkson Gets the Ranch! Shelby Davidson (1868–1931) inventor for the United States Postal Service. Kyrie Irving Continues To Keep Organization In Dark Over Vaccine. Chicago Bears Finally Name Justin Fields QB1. WNBA Players Involved In Brawl.
On this week's "60 Minutes," Lesley Stahl sits with members of the military to expose the broken promise of the Public Service Loan Forgiveness Program. They say confounding rules and red tape make the program almost impossible for borrowers to navigate. Tony Bennett has Alzheimer's Disease, but when it comes time for him to sing, the 95-year-old crooner emerges from the fog of dementia. Anderson Cooper talks with Lady Gaga and others about Bennett's onstage transformation. Finally, Scott Pelley reveals the identity of the Facebook whistleblower, who left the social media giant concerned, and with copies of thousands of pages of research. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
There's a lot of talk around the Public Service Loan Forgiveness Program. In the last several months, we saw new developments unfold, and there's no doubt we'll see more changes in the years to come. I'm diving in and giving my thoughts on the current state of PSLF and what we could expect come election season in 2024 and beyond. In today's episode, you'll find out: Why very few borrowers qualified in the beginning of the program Why most people who apply for PSLF are denied Why graduates after 2014 shouldn't worry about qualifying for PSLF Why is it for the best to make the approval process difficult Who benefits from the temporary expanded PSLF program My thoughts on two diverging paths that PSLF could take in 2024 Other potential developments for the PSLF program in the near future Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts Follow on Facebook, Twitter, or LinkedIn 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
Anna Santoro shares her journey of pursuing and receiving Public Service Loan Forgiveness. Mentioned on the Show YFP Planning: Financial Planning for Pharmacists Register for the Free Webinar: Financial Considerations When Having or Adopting a Child on August 12 at 8:30 PM ET Seven Figure Pharmacist by Tim Church, PharmD and Tim Ulbrich, PharmD The Pharmacist's Guide to Conquering Student Loans by Tim Church, PharmD Baker's Dirty Dozen: Principles for Financial Independence by Joe Baker, MBA with Lindsey Jordan Baker YFP 018: Maximizing the Benefits of Public Service Loan Forgiveness (PSLF) YFP 078: Is Pursuing the Public Service Loan Forgiveness Program a Waste? YFP 187: How to Maximize Your Student Loan Strategy While Federal Student Loan Payments are Paused Commission Corps of the U.S. Public Health Service: SRCOSTEP
In this week's episode of #FUTURERICH Certified Financial Planner, Barbara Ginty follows up with the wonderful Eglantine(Bedknobs and Broomsticks reference!), who she interviewed in episode 63 + 64 last year before the pandemic. Eglantine still lives in Boston with her husband and three-year-old. In this episode, she comes bearing both good news and bad news. The good news is that Eglantine is the first guest on the podcast who's had her loans forgiven through the PSLF, aka Public Service Loan Forgiveness Program. The bad news is that she has recently lost her professor position due to unfortunate circumstances (aka 2020!). Listen to learn how she achieved loan forgiveness and what her tips are for those thinking of or going through the process. Eglantine Episode 63: https://soundcloud.com/planancial/63-eglantine-how-is-it-legal-for-them-not-to-give-us-wrong-information Eglantine Episode 64: https://soundcloud.com/planancial/64-eglantine-part-2-im-literally-a-professor-and-i-cant-figure-student-loans-out Follow Future Rich to stay up to date and let us know what topics you'd like Barbara to cover more in-depth this season! instagram.com/futurerichpodcast facebook.com/planancial Enroll in our courses in partnership with SUNY Ulster at www.futurerichpodcast.com
Nate Hedrick discusses strategies for buying a home with student loans. He talks about the decision to rent vs. buy, how to determine if you're ready to buy, and three strategies to consider when deciding to buy a home with student loans. Mentioned on the Show YFP Planning: Financial Planning for Pharmacists Register for the Free Webinar: Investing Beyond the 401(k)/403(b) Baker’s Dirty Dozen: Principles for Financial Independence by Joe Baker, MBA with Lindsey Jordan Baker The Pharmacist’s Guide to Conquering Student Loans by Tim Church, PharmD YFP Real Estate Investing Podcast Real Estate RPh Dave Ramsey YFP 018: Maximizing the Benefits of Public Service Loan Forgiveness (PSLF) YFP 062: The 'Other' Forgiveness YFP 078: Is Pursuing the Public Service Loan Forgiveness Program a Waste? YFP 114: Presidential Candidates' Plans for Student Loan Forgiveness YFP 176: How Stephanie Got $72,000 Forgiven Through TEPSLF YFP 040: 10 Things Every Pharmacist Should Know About Home Buying (Part 1) YFP 041: 10 Things Every Pharmacist Should Know About Home Buying (Part 2) YFP 064: 6 Steps to Home Buying (Part 1) YFP 065: 6 Steps to Home Buying (Part 2) YFP 190: 7 Ways to Reduce Your Monthly Housing Costs YFP 149: Crushing 400k of Debt in 5 Years Three Strategies for Buying a House with Student Loans YFP Real Estate Concierge Service Book a Free Call with the YFP Real Estate Concierge
In today's Federal Newscast, the two largest federal employee unions are calling on the Education Department to cancel student debt for federal employees with 10 years or more of public service.
Happy Friday, Future Rich Fam! In episode 106 of Future Rich, Certified Financial Planner Barbara Ginty interviews the lovely Selena, a Social Worker living in LA with her fiancé. Barbara helps Selena develop a plan to get rid of her intimidating amount of student loan debt via the Public Service Loan Forgiveness Program and offers her advice on where to direct her savings (credit card debt or car loan?). Listen to find out where Barbara suggests Selena spend her money first; the answer may surprise you. Here is an accompanying episode with expert guest Leslie H. Tayne Esq. that we think will benefit listeners with a substantial amount of student loan debt: https://soundcloud.com/planancial/79-expert-leslie-h-tayne-esq-budget-is-like-a-dirty-word Follow Future Rich to stay up to date and let us know what topics you'd like Barbara to cover more in-depth this season! instagram.com/futurerichpodcast facebook.com/planancial Enroll in our courses in partnership with SUNY Ulster at www.futurerichpodcast.com
Host Jonathan Hughes explains what's new with the FAFSA, including changes to the EFC, the IRS Data Retrieval Tool, FAFSA-related websites, and the Public Service Loan Forgiveness Program. Jonathan is joined by MEFA's Julie Shields-Rutyna and Meredith Clement. If you enjoy the MEFA Podcast, please leave us a review at trustpilot.com/evaluate/mefa.org Timestamp (00:00) Intro (04:30) MEFA Mailbag (11:56) FAFSA Updates
Stephanie Hale shares her journey applying for and receiving Public Service Loan Forgiveness (PSLF). Mentioned on the Show The Pharmacist’s Guide to Conquering Student Loans by Tim Church Join the YFP Facebook Group FedLoan Servicing Ask a YFP CFP #36: If I’ve been under the wrong repayment plan, can I apply for Temporary Expanded Public Service Loan Forgiveness (TEPSLF)? YFP 018: Maximizing the Benefits of Public Service Loan Forgiveness (PSLF) YFP 078: Is Pursuing the Public Service Loan Forgiveness Program a Waste? College Cost Reduction and Access Act of 2007 Temporary Expanded Public Service Loan Forgiveness (TEPSLF) Email TEPSLF@myfedloan.org Public Service Loan Forgiveness Program Support (PSLF) Facebook Group Your Financial Pharmacist Podcast
Welcome to Ask a YFP CFP®, a segment of the Your Financial Pharmacist Podcast! On today's show Tim Baker, CFP®, takes this question from Karen in Coral Springs: If I've been under the wrong repayment plan, can I apply for Temporary Public Service Loan Forgiveness (TEPSLF)? Mentioned on the Show: YFP Planning Email FedLoan Servicing: tepslf@myfedloan.org Federal Student Aid YFP 018: Maximizing the Benefits of Public Service Loan Forgiveness YFP 078: Is Pursuing the Public Service Loan Forgiveness Program a Waste? The Pharmacist's Guide to Conquering Student Loans by Tim Church, PharmD Send in your questions here or to info@yourfinancialpharmacist.com Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answering a question.
Things are changing on a daily basis secondary to COVID-19. In these unprecedented times, there are a lot of financial concerns people are likely having. On this episode sponsored by APhA, Tim Baker, CFP® answers questions about investing, the uncertainty of work and student loans. Mentioned on the Show Join APhA - Get 25% off Your Membership with Code: YFP2020 YFP Planning CARES Act APhA & YFP: Financial Education Ally Bank YFP 072: Investing Mind Tricks: How Behavioral Bias Affects our Decisions YFP 073: How to Determine the Priority of Investing YFP 074: Evaluating Your 401k Plan YFP 075: DIY, Robo or Hire a Planner? YFP 076: Investing Rapid Fire Q&A Seven Figure Pharmacist by Tim Church and Tim Ulbrich The Index Revolution: Why Investors Should Join it Now by Charles D. Ellis and Burton G. Malkiel MONEY Master the Game: 7 Steps to Financial Freedom by Tony Robbins APhA & YFP Webinars CIT Bank File Your Taxes with YFP YFP Facebook Group NSLDS Refinance Your Student Loans YFP 018: Maximizing the Benefits of Public Service Loan Forgiveness YFP 078: Is Pursuing the Public Service Loan Forgiveness Program a Waste? YFP 114: Presidential Candidates’ Plans for Student Loan Forgiveness w/ Richard Waithe, PharmD Ask a YFP CFP® a Question
Welcome to Ask a YFP CFP®, a new segment of the Your Financial Pharmacist Podcast! On today's show Tim Baker, CFP®, takes this question from Ryan in Johnson City, Tennessee: How do I calculate my take home pay when contributing to retirement funds? Mentioned on the Show: YFP Planning SmartAsset Federal Paycheck Calculator Episode 018: Maximizing the Benefits of Public Service Loan Forgiveness Episode 078: Is Pursuing the Public Service Loan Forgiveness Program a Waste of Time? Send in your questions here or to info@yourfinancialpharmacist.com Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answering a question.
In this episode, Katy Keiffer sat down with Caitlin Arnold who is the National Chapter Manager at the Young Farmers Coalition. They spoke about the work that the Coalition does to empower farmers and connect them with useful resources to strengthen their businesses and ease the burden that Student Loan debt can have on the new generation of American farmers.The holiday season is all about food and community. There’s no better time to show your support for food radio by becoming a member! Lend your voice and help HRN continue to spreading the message of equitable, sustainable, and delicious food – together, we can change minds and build a better food system. Go to heritageradionetwork.org/donate today to become a crucial part of the HRN community.HRN On Tour is powered by Simplecast.
Student loan debt in 2019 is at the highest points its ever been. Oregon Rep. Suzanne Bonamici and talks about the Public Service Loan Forgiveness Program, and is joined by Kristen Fouts, currently working as a teacher who was one of the few to get her student loan forgiven through the program.
Christina Slavonik, CFP® at Your Financial Pharmacist, joins Tim Ulbrich for a new installment of the YFP podcast, Ask a YFP CFP®. Christina answers financial questions from the Your Financial Pharmacist community covering topics such as student loans, investing and the inverted yield curve. Mentioned on the Show CommonBond Your Financial Pharmacist John Oliver YFP Planning Email YFP: info@yourfinancialpharmacist.com YFP on Facebook YFP on Instagram YFP Facebook Group YFP’s Ultimate Guide to Pay Back Pharmacy School Loans YFP 032: Find Your Why (Part 1): 3 Life Planning Questions w/ Jess & Tim Ulbrich YFP 033: Find Your Why (Part 2): The Path to Success w/ Jess & Tim Ulbrich YFP 072: Investing Mind Tricks: How Behavioral Bias Affects Our Decisions YFP 073: How to Determine the Priority of Investing YFP 074: Evaluating Your 401k Plan YFP 075: DIY, Robo, or Hire a Planner? YFP 076: Investing Rapid Fire Q&A Dave Ramsey Refinance Student Loans YFP 078: Is Pursuing the Public Service Loan Forgiveness Program a Waste? Dave Ramsey’s Financial Peace University APhA YFP 068: Pros/Cons of the Dave Ramsey 7 Baby Steps
n this podcast I will answer the question: How do get our of my student loan debt? Many people do not realize the impact of student loans when they are going to college. Once out and faced with all of the other financial challenges, repaying student loans can be a challenge. Here are 4 tips to address student loan debt: 1. Loan Forgiveness If you work for a government entity or an approved non-profit, such as: a teacher, doctor on a reservation, law enforcement, etc, you may be able to reduce your total student loan. The Public Service Loan Forgiveness Program allows you to reduce your payments in relation to your income and after 10 years of paying (120 payments). Employment (at least 30 hours/week) with the following types of organizations qualifies for the forgiveness plan: Government organizations at any level (federal, state, local, or tribal) Not-for-profit organizations that are tax-exempt under Section 501(c)(3) of the Internal Revenue Code Other types of not-for-profit organizations that provide certain types of qualifying public services Serving in a full-time AmeriCorps or Peace Corps position also counts as qualifying employment. 2. Don't Fall Behind The penalties for falling behind on student loan payments are significant and student loan debt is pretty much inescapable. 3. Bankruptcy Doesn't Help For 99% of student loans, bankruptcy does not discharge this debt. Bankruptcy can remove credit card, mortgage, and car loan debt but not student loan debt. 4. Adjust the Duration You can ask for an extension if it's necessary. You have two options: Deferment – if you have not gotten a job yet you may get up to 3 years of deferment, but depending on the loan, the interest may continue to be applied. There is a deferment option if you go back to school. Forbearance – can be granted if you are ill or experiencing a financial hardship (layoff) or a military deployment. With forbearance your payments may be suspended or reduced for up to 12 months. Interest continues to apply to the loan balance. However, we recommend (if possible) paying off student loan debt in a reasonable amount of time (generally, within 10 years).
In this episode, Kristina and Ben say goodbye to summer and August Recess, but not our student loans. They also discuss the latest nonprofit policy updates, including a recently passed federal budget law, political activity, the public charge rule, and share a preview of Congress’ fall priorities. Maggie Siller, associate at the New York-based law firm Selendy & Gay, joins Ben to discuss the Public Service Loan Forgiveness Program and what some nonprofits are doing to ensure the U.S. Department of Education honors the program for 32 million eligible Americans. About the Podcast Voices for Good is Independent Sector’s policy podcast for nonprofits, foundations, and anyone advancing the common good.
In this episode, I'm joined by Travis Hornsby of Student Loan Planner. We break down my $180,000 student loan debt repayment and what I could have done differently. Not only could I have reduced my monthly payments by nearly half the amount, but I could have also saved a major chunk of change. I discover the unique advantages I had due to interesting marital laws in the State of California and Public Service Loan Forgiveness (PSLF). If you are struggling with student loan debt, you MUST listen to this episode. Please join me here, and follow me on social media, Instagram and Facebook. Join the Financially Intentional community and get access to resources to guide you on the path to Financial Freedom.Oh and please subscribe and leave a review on whatever app you're using to stream this podcast. Links mentioned:Student Loan PlannerBlooomJoin the NOF Facebook groupHow to share a podcast How to subscribe, rate and review a podcastTo read the full show notes, visit www.financiallyintentional.com/nof/3
In this episode, Hannah Haksgaard, Associate Professor of Law at the University of South Dakota School of Law, returns and discusses her article “Rural Practice as Public Interest Work,” published this summer in the symposium issue of the Maine Law Review. Prof. Hakgaard introduces listeners to the severe rural lawyer shortage faced in every state of the country. She then explains why rural private practice should be considered public interest work for the purposes of the Public Service Loan Forgiveness Program: 1) to combat the rural lawyer shortage, 2) the mixed nature of rural practice, 3) supplying public services, and 4) to combat low rural lawyer salaries. Prof. Haksgaard then addresses the implications of extending the definition of “public interest” to include rural private practice on federal student loan forgiveness and recruiting for law schools, particularly state law schools in rural communities. Her scholarship, including her new paper, is available on SSRN.This episode was hosted by Maybell Romero, Assistant Professor of Law at Northern Illinois University College of Law. Prof. Romero is on Twitter at @maybellromero. See acast.com/privacy for privacy and opt-out information.
In this episode, Adrianne is talking money - specifically student loan repayment - a topic that has most of us fresh graduates totally stressed out. Since Adrianne is one of the stressed out masses, she’s having a conversation with expert and Chartered Financial Analyst (CFA), Travis Hornsby, founder of studentloanplanner.com.He and Adrianne discuss a number of topics including, but not limited to, Federal vs private loan repayment strategy, the public service loan forgiveness program (PSLF), and refinancing student loans. While this show primarily focuses on the lives of Registered Nurses, this financial information can be helpful to any health science graduates - including nurses, chiropractors, physicians, dentists, etc. They discuss basic financial repayment concepts as well as specific tools to help you on your journey to repayment. Below are some links to help you on your way.If you visit Travis and his crew at studentloanplanner.com you will also find free access to his Student Loan Calculator https://www.studentloanplanner.com/free-student-loan-calculator/Also here is more information on the Public Service Loan Forgiveness Program:https://www.studentloanplanner.com/public-service-loan-forgiveness/
Tim, Tim and Tim discuss several key financial moves new pharmacy graduates should make. Mentioned on the Show PolicyGenius 20 Financial Moves Every Pharmacist Should Make YFP 026: Baby Stepping Into Your Financial Plan - The 2 Things to Focus on First YFP 045: How to Determine Your Disability Insurance Needs Protect Your Income YFP 018: Maximizing the Benefits of Public Service Loan Forgiveness YFP 078: Is Pursuing the Public Service Loan Forgiveness Program a Waste? The Ultimate Guide to Pay Back Pharmacy School Loans Student Loan Refinance Calculator Student Loan Quiz 7 Figure Pharmacist by Tim Church, PharmD and Tim Ulbrich, PharmD 14 Practical Ways to Make Extra Money as a Pharmacist in 2019 YFP 098: Lifestyle Creep: The #1 Threat to Growing Your Net Worth YFP Planning
On this episode of the Your Financial Pharmacist Podcast, Tim Ulbrich is joined by Tim Church, resident YFP refinance expert and student loan ninja. In addition to a quick recap of the refinancing process, the benefits of refinancing, how to calculate your savings and what to look for in a refinance offer, Tim and Tim give you an update on a new refinance offer available that may save you big. Mentioned on the Show YFP Student Loan Refinance Partners Costco Gold Star Membership Giveaway YFP 029: Refinancing Your Student Loans Part 1 YFP 030: Refinancing Your Student Loans Part 2 YFP 018: Maximizing the Benefits of Public Service Loan Forgiveness YFP 078: Is Pursuing the Public Service Loan Forgiveness Program a Waste? YFP 062: The ‘Other’ Forgiveness Annual Credit Report Better Business Bureau NerdWallet Watch List CommonBond Splash Financial Earnest LendKey Sofi First Republic YFP 044: How to Determine Your Life Insurance Needs YFP Blog: How to Refinance Student Loans Under 2% Through First Republic Bank YFP Refinance Calculator Email YFP With Your Refinance Questions
On this episode of the Your Financial Pharmacist podcast, Tim Ulbrich interviews Travis Hornsby, founder of Student Loan Planner, about his journey starting the Student Loan Planner, the most common mistakes he sees pharmacists making with their student loans, the pros and cons of student loan refinancing, what legislative changes he anticipates will happen and the one step you can take today if you are feeling overwhelmed with where to go next with your student loans. Mentioned on the Show LendKey Student Loan Planner YFP 018: Maximizing the Benefits of Public Service Loan Forgiveness YFP 078: Is Pursuing the Public Service Loan Forgiveness Program a Waste? Student Loan Planner Blog: TEPSLF Program: Lessons from a Reader Who Got Her Loans Forgiven YFP Community YFP Planning Student Loan Planner Podcast Email Student Loan Planner Student Loan Planner Blog
Former co-host and now PM&R Doctor Cole Cheney returns for a discussion of what he's discovered about the Public Service Loan Forgiveness Program, which rewards careers in public service by forgiving student loans after 10 years of qualifying work. The first 11 years have passed since its inception, and you'll never guess how many people have had their loans forgiven. Aline Sandouk, Dylan Todd, Brady Campbell, and financial aid counselor Chris Roling were on hand for a discussion of why you'll want to have a backup plan to pay off your med school debt. A study looks at whether we're ready for whole genome sequencing as a screening tool for newborn babies. We discuss whether teenagers are capable of withstanding the rigors of medical school. And an we explore the 'confidence gap' between men and women in medicine and whether it's even important. Are you a woman who has been counselled to lean in and act more confident? Call us at 347-SHORTCT anytime, visit our Facebook group, or email theshortcoats@gmail.com. We'd love to hear from you!
On this show, we talked about the Public Service Loan Forgiveness Program and how it may be a financially superior method of paying off six figures of student loan debt, with Dr. Ian Hoffman, Founder and CEO of the Student Loan Eraser. Listen to learn about this little known program and how it’s helped save millions of dollars in interest! For the Difference Making Tip, scan ahead to 14:51. You can learn more about Ian at EraseMyStudentLoans.com, Facebook, Twitter , Instagram and LinkedIn. This link will take you to a webinar explaining the program www.EraseMyStudentLoans.com/webinar-reg This link will get you 75% off the program www.EraseMyStudentLoans.com/Rocket Please subscribe to the show however you’re listening, leave a review and share it with someone who appreciates good ideas. You can learn more about the show at GeorgeGrombacher.com, or contact George by clicking here.
President Trump has his sights set on eliminating the Public Service Loan Forgiveness Program implemented by President George W. Bush in 2007. This program was put in place to encourage people to work in government agencies, as first responders, in the Military, and in other public service roles. What happens to those who chose to go to college or graduate school while relying on this program as a way to offset the costs of their education? Attorneys Franz N. Borghardt and Richard Sprinkle discuss this volatile topic right here on Legally Unfiltered.
It has been ten years since the Public Service Loan Forgiveness Program was created. The first people are up for loan forgiveness. So what happened? Did they get loan forgiveness? How will this affect your quest for loan forgiveness? Listen to this episode and all your questions will be answered and your fears calmed. If you found this podcast useful, visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/ This episode is sponsored by Bob Bhayani at Doctor Disability Quotes.com . They are a truly independent provider of disability insurance planning solutions to the medical community nation wide. Bob specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. Contact Bob today by email at info@drdisabilityquotes.com or by calling 973-771-9100.
In this week's episode, we have a returning guest, attorney Christie Arkovich, discussing student loan forgiveness under the Public Service Loan Forgiveness Program. Christie and I talked in Episode 50 about different ways to eliminate or negotiate student loan debt. Today, we talk about the Public Service Loan Forgiveness Program - which is a 2007 program instituted by President Bush, that allowed student loan borrowers to pay based on what they could afford, and satisfy the debt after a certain period of time (without paying it back in full) if they worked in a public service industry (versus working in the private sector). The problem is that many student loan borrowers are NOT in the program, even though they believe they are, and are being told by the student loan companies that they are in the program! Christie can help if you believe you are in one of these programs, or if you want to see if you qualify for one of these programs. Christie can also help if you have other student loan issues. To contact Christie, please call 813-258-2808, or www.ChristieArkovich.com, or www.TampaBankruptcyLawyer.com. If you have questions for me, you can reach out to Shawn@YesnerLaw.com or www.YesnerLaw.com.
When it comes to the federal Public Service Loan Forgiveness Program, rumors of its death have been greatly exaggerated.
In today's Federal Newscast, the National Treasury Employees Union is worried the Trump administration's plan to eliminate the Public Service Loan Forgiveness Program would make it harder for agencies to recruit top talent.
Sarae talks with Carlos Colón, Bilingual Personal Finance Coach at mpowered, about what you need to know to determine if you are eligible for teacher student loan forgiveness. We also discuss how to decide which option to use if you qualify for both the Public Service Loan Forgiveness Program and the Teacher Loan Forgiveness Program, and whether it is possible to take advantage of both. For more details about the federal Teacher Loan Forgiveness Program, visit studentaid.ed.gov/tc.
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