Podcasts about Student debt

Today, Hunter was joined once again by Jane Fox and for the first time Alexi Shalom. These two have been working tirelessly to develop programs that can help members of their union deal with crushing student debt. Today, these two join to explain those programs and what else Public Defender leaders can do to help their people with student debt.       Guest: Jane Fox, Legal Aid Society and Unit Chair, ALAA Local 2325 Alexi Shalom, Ed Rep, UAW Region 9A   Resource: Learn More Here https://region9a.uaw.org/education Contact Jane jfox@alaa.org   Contact Hunter Parnell:                                 Publicdefenseless@gmail.com  Instagram @PublicDefenselessPodcast Twitter                                                                 @PDefenselessPod www.publicdefenseless.com  Subscribe to the Patreon www.patreon.com/PublicDefenselessPodcast  Donate on PayPal https://www.paypal.com/donate/?hosted_button_id=5KW7WMJWEXTAJ Donate on Stripe https://donate.stripe.com/7sI01tb2v3dwaM8cMN Trying to find a specific part of an episode? Use this link to search transcripts of every episode of the show! https://app.reduct.video/o/eca54fbf9f/p/d543070e6a/share/c34e85194394723d4131/home **** ALL OPINONS SHARED BY HOST HUNTER PARNELL DO NOT REFLECT THE THOUGHTS OR OPINIONS OF THE AURORA MUNICIPAL PUBLIC DEFENDER****

#ThisMorning | #Loans & Limits: The New #Student #Debt #Reality | Betsy Mayotte, The Institute of Student Loan Advisors | | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

The NY Times featured two young people who took drastic and shameful lengths to avoid paying their student debt. The Bible addresses this issue.

The NY Times featured two young people who took drastic and shameful lengths to avoid paying their student debt. The Bible addresses this issue.

For decades, Americans were promised that a college degree guaranteed a secure spot in the middle class. But instead of entering corporate management, many graduates are finding themselves trapped in low-paying service roles with crippling debt. Is this widening gap between expectations and financial realities fundamentally reshaping the modern American workforce? New York Times reporter Noam Scheiber joins the podcast to unpack the core arguments of his new book “Mutiny: The Rise and Revolt of the College-Educated Working Class” about this labor shift. He argues that the psychological injury of these broken promises is sparking a unique wave of workplace activism.  The systemic failure of the college wage premium poses urgent questions for the future of American capitalism. If millions of highly educated citizens feel cheated by the system, the resulting political and economic destabilization could be severe.  Subscribe to our Youtube Channel Follow Capitalisn't on Instagram & TikTok Send us your questions or comments by emailing capitalisntpod@gmail.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In episode 248, Coffey talks with Damon Thompson about how student loan debt impacts employees and how employers can help reduce that burden through benefits programs and federal subsidies.  They discuss the history and evolution of federal student loan programs before and after the Affordable Care Act; rising college costs and lack of borrowing caps driving massive student debt growth; financial stress and productivity loss caused by high monthly loan payments; how income-driven repayment and federal subsidy programs reduce employee loan obligations; employer-sponsored student loan repayment benefits under Section 127 tax advantages; complexities and low success rates navigating Department of Education programs independently; public service loan forgiveness eligibility and long-term debt elimination strategies; how personal circumstances influence repayment calculations beyond income alone; the role of third-party services in optimizing loan subsidies and compliance; and the connection between student debt, employee retention, and delayed life milestones.  For HR teams who discuss this podcast in their team meetings, we've created a discussion starter PDF to help guide your conversation. Download it here https://goodmorninghr.com/EP248  Good Morning, HR is brought to you by Imperative—Bulletproof Background Checks. For more information about our commitment to quality and excellent customer service, visit us at https://imperativeinfo.com.   If you are an HRCI or SHRM-certified professional, this episode of Good Morning, HR has been pre-approved for half a recertification credit. To obtain the recertification information for this episode, visit https://goodmorninghr.com.   About our Guest:  After graduating from Austin College (Sherman Texas) in 1979 Damon immediately began his career working directly with the owners of closely held businesses and their H.R. teams.   Understanding the needs of both the employer and the employee he knows that not all employee benefits are “insurance” benefits needing employer funding.   Being familiar with Comprehensive Major Medical, Workers Compensation as well as Administration systems & software has allowed him to develop unique solutions for owners of those closely held companies and their HR teams.   This has also led to many speaking engagements in organizations such as Texas A&M Graduate School of Business, Work with Texas Legislators & Attorney General, Private Equity Association Convention (PEG-aplooza), and Numerous Chambers of Commerce across Texas.  Damon Thompson can be reached at https://www.finnita.com/  About Mike Coffey:  Mike Coffey is an entrepreneur, licensed private investigator, business strategist, HR consultant, and registered yoga teacher. In 1999, he founded Imperative, a background investigations and due diligence firm helping risk-averse clients make well-informed decisions about the people they involve in their business. Imperative delivers in-depth employment background investigations, know-your-customer and anti-money laundering compliance, and due diligence investigations to more than 300 risk-averse corporate clients across the US, and, through its PFC Caregiver & Household Screening brand, many more private estates, family offices, and personal service agencies. Imperative has been named a Best Places to Work, the Texas Association of Business' small business of the year, and is accredited by the Professional Background Screening Association.  Mike shares his insight from 25+ years of HR-entrepreneurship on the Good Morning, HR podcast, where each week he talks to business leaders about bringing people together to create value for customers, shareholders, and community. Mike has been recognized as an Entrepreneur of Excellence by FW, Inc. and has twice been recognized as the North Texas HR Professional of the Year.  Mike serves as a board member of a number of organizations, including the Texas State Council, where he serves Texas' 31 SHRM chapters as State Director-Elect; Workforce Solutions for Tarrant County; the Texas Association of Business; and the Fort Worth Chamber of Commerce, where he is chair of the Talent Committee. Mike is a certified Senior Professional in Human Resources (SPHR) through the HR Certification Institute and a SHRM Senior Certified Professional (SHRM-SCP). He is also a Yoga Alliance registered yoga teacher (RYT-200) and teaches multiple times each week. Mike and his very patient wife of 28 years are empty nesters in Fort Worth.  Learning Objectives: Understand how federal student loan programs evolved and why debt has increased significantly Identify the impact of student loan debt on employee productivity, retention, and financial wellbeing Evaluate employer strategies, including tax-advantaged benefits, to help employees manage student loans  

Universities, long celebrated as sanctuaries of free thought and intellectual rigour, have for centuries been regarded as the best way to educate and conduct research. But increasingly, this assumption is being questioned. A recent study found that two-thirds of academics feel their freedom to teach and study is being curtailed. In 2022 alone, over 1,000 instances of content warnings or text removals were documented across UK universities. While some academics now criticise PhD programmes as a way to extract "fees and cheap labour" from students, reports suggest that most academic papers are read by an average of just ten people. More than half of respondents now say that going to university is not worth it. And in the US, graduate student debt averages over $71,000, while similar information is often freely available online.Should we call time on the age of the university and find new, innovative ways to educate people? Should we leave research and innovation to the business sector and free-market forces? Or are universities still vital to our education and culture and can a radical overhaul restore them to their original purpose?Yaron Brook is a political scientist, and chairman of the Ayn Rand Institute. He's a bestselling author and the host of The Yaron Brook Show. Catherine Liu is a Professor of Film and Media Studies at the University of California, Irvine. She's the author of Virtue Hoarders: The Case against the Professional Managerial Class. Eric Kaufmann is Professor of Politics at the University of Buckingham. He's the author of Taboo and Whiteshift: Immigration, Populism and the Future of White Majorities. Jay Shapiro hosts.Email us at podcast@iai.tv with your thoughts on the episode!To see your favourite thinkers tackle philosophy's most current issues, buy tickets for our upcoming festival: https://howthelightgetsin.org/festivals/And visit our website for many more articles, videos, and podcasts like this one: https://iai.tv/You can find everything we referenced here: https://linktr.ee/philosophyforourtimesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us Fan MailIn this episode of the London Property News Bulletin, we unpack a major shift in how homeowners, landlords and renters need to think about property in the capital. We explore why aggressively paying off your mortgage could unintentionally inflate your inheritance tax bill, and how smart use of mortgages, pensions, ISAs and gifting can change the numbers. We cover key tax changes for the new year, including digital tax returns for landlords, reduced relief on AIM shares, and tighter inheritance tax rules for high-value estates.You'll also hear about a headline-grabbing proposal to let graduates swap up to 20% of their student debt for a government equity stake in their first home, the upcoming Renters Rights Act and Sadiq Khan's new enforcement fund targeting rogue landlords, plus the latest data on London's deepening housing supply crisis. If you own, invest or rent in London, this is an essential briefing.The London Property Podcast Hosted by Farnaz Fazaipour, londonproperty.co.ukIndependent intelligence for serious London property owners and investors.Every episode cuts through the noise with 30 years of prime London market experience  no estate agent spin, no vested interests. Just practical insight on where the market is moving, what the legislation means for your wealth, and where the real opportunities are.Trusted by 1,500 HNWI members across the UK and internationally.Topics include prime and super-prime London, leasehold reform, IHT planning, rental market shifts, regeneration areas, and the tax and legal changes every serious owner needs to understand. #LondonProperty #PropertyInvestment #LondonRealEstate 

The SAVE plan recently ended, affecting over 7 million student loan borrowers. We'll get the details on what's changed and what borrowers need to know. Betsy Mayotte, President and Founder of The Institute of Student Loan Advisors, joins us.

Guest: Eric Weinstock DMD JD https://www.imdb.com/name/nm1798629/   Host: Serv Wahan MD DMD https://www.drwahan.com/   Keywords endodontics, dental education, law, screenwriting, dental technology, dental practice, dental ethics, film production, career transition, dental challenges, Lifetime movies, Eric Weinstock IMDB, Serv Wahan, Dr. Wahan, Blood circus, Avery's Sin Summary In this engaging conversation, Dr. Eric Weinstock shares his unique journey from law to dentistry, highlighting the challenges of dental education, the pressures of student debt, and the ethical considerations in dental practice. He discusses advancements in endodontic technology, common challenges faced in the field, and offers insights for general dentists. Additionally, Eric delves into his career as a screenwriter and producer, sharing stories from his film projects and upcoming aspirations. Takeaways Eric Weinstock is an endodontist and screenwriter. Dental education is increasingly challenging due to high tuition costs. The gentle wave technology has revolutionized endodontics. Endodontists often face ethical dilemmas in practice. General dentists may struggle with complex endodontic cases. Eric transitioned from law to dentistry after realizing his passion for the field. Cone beam imaging is essential for accurate diagnosis in endodontics. Complications like perforations can significantly impact treatment outcomes. Eric has produced several films, including for Lifetime. His upcoming project, Avery Sin, is highly anticipated. Titles From Law to Dentistry: Eric Weinstock's Journey Navigating Dental Education and Student Debt  sound bites "I decided to stick it out." "I got a perfect one." "I think it's my best written one." Chapters 00:00 Introduction to Eric Weinstock 03:05 Navigating Dental Education and Debt 06:09 The Journey from Law to Dentistry 08:51 Transitioning to Endodontics and Practice Ownership 12:03 Advancements in Endodontic Technology 15:00 Common Endodontic Questions and Challenges 18:05 The Role of Cone Beam Imaging in Endodontics 21:03 Dealing with Complications in Endodontics 23:59 Advice for General Dentists in Endodontics 26:50 Exploring Eric's Film Career 30:07 Insights on Screenwriting and Film Production 33:03 Upcoming Projects and Future Aspirations

Guests Include Strategic Vision's David Johnson, Communio's JP De Gance, Courage is a Habit Alvin Lui, Lasater Capital' Tie Lasater, Sheriff David Clarke, The Federalist's Joy Pullman

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Link Up w/The Morning Sickness Digitally All Over:Instagram: @hms_98_official, @bosskupd, @bretvesely, @dickToledoX/Twitter: @HMSon98, @DickToledo, @bretveselyFacebook: @HMSKUPDYouTube: @hmspodcast9320, @98kupdRequest/Call in/Wakeup Song line:(IN AZ) 602.585.9800More HMS: holmbergpodcast.com, 98kupd.comEmail: dtoledo@98kupd.com, bvesely@98kupd.com, bbogen@98kupd.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ever check your payslip… your student debt… your mortgage… and wonder if you're just treading water?You're not alone, and you're not stuck.In this episode we revisit one of the most neglected topics in the profession: money.Hubert sits down with US-based financial adviser Eric Miller to break down the decisions that can actually move the money-needle for employed vets: from budgeting and debt to investing, insurance, and increasing your income. (We do global principles with US specifics)No jargon. No guilt. Just a clear starting point for vets who know they should have a plan… but haven't begun yet.Here's what you'll learn:Why practice ownership isn't the only route to financial securityThe one habit that underpins every solid financial planA simple 70/20/10 framework for spending, investing, and enjoying your moneyHow to handle student debt without letting it control your lifeWhether to prioritise debt repayment, investing- or bothThe difference between good debt and bad debt (and why it matters)How automation quietly builds wealth in the backgroundWhat young vets need to know about insurance, income growth, and lifestyle creepAnd perhaps most importantly:A more grounded, reassuring view of the profession itself.Yes, financial pressure is real.But Eric will convince you that veterinary medicine is still a strong, high-potential career - IF you do it right.  ⁠⁠thevetvault.com⁠ for show notes, access to our clinical continuing education content and to sign up for our weekly 'best of the Vet Vault' newsletter, or join us in person at one of our phenomenal Vets On Tour conferences. Topics and Time Stamps04:24 Biggest Financial Mistakes05:42 Budgeting & The 70/20/10 Rule14:41 Retirement Planning & 401k24:09 Student Debt & How to Tackle It26:22 Loan Forgiveness28:58 Pay Off Debt vs. Invest31:53 The Debt Snowball Method (it's a good thing!) 33:55 Increasing Your Income37:44 Constructive vs. Destructive Debt41:35 Insurance & Health Coverage44:06 Looking Ahead: The Veterinary Industry49:45 One Financial Habit for Ne w GradsWe love to hear from you. If you have a question for us or you'd like to give us some feedback please get in touch via our contact or catch up with us on ⁠⁠Instagram⁠⁠.And if you like what you hear, please share the love by clicking on the share button wherever you're listening and sending a link to someone who you think should hear this. 

What does “free tuition” actually mean — and why isn't it enough? In this episode, Dustin sits down with Van Ton-Quinlivan, CEO of Futuro Health and host of the WorkforceRx podcast, to unpack how her organization is tackling the healthcare workforce shortage by helping adults earn debt-free credentials in allied health fields. From redesigning incentives around completion (not just enrollment) to supporting adult learners with real-life constraints, this conversation challenges traditional higher ed funding models and offers a bold blueprint for workforce-aligned education. The takeaway? Free tuition alone doesn't drive success. Smart design, accountability, and intentional support do. Guest Name: Van Ton-Quinlivan - CEO at Futuro Health Guest Social: LinkedIn Guest Bio: Van Ton-Quinlivan is a nationally recognized workforce development leader with a career spanning the private, public, and nonprofit sectors. As CEO of Futuro Health, she's building the nation's largest network of allied healthcare workers. In 2022, she was appointed by Governor Newsom to help shape California's healthcare workforce education and training. Van is the author and podcast host of WorkforceRx, promoting agile, multicultural solutions for employers, educators, and workers.  Featured in major media and a sought-after keynote speaker, she's been named one of the Top 50 Women Leaders in Healthcare (2024) and among the 100 Most Influential Higher Education Leaders (2025). She serves on several national boards and holds an MBA and MA in Education Policy from Stanford University. Born in Vietnam and raised in Hawaii, Van now lives in California. A new empty nester, she enjoys morning coffee walks with her husband, and recently took up taiko drumming. - - - -Connect With Our Host:Dustin Ramsdellhttps://www.linkedin.com/in/dustinramsdell/About The Enrollify Podcast Network:The Higher Ed Geek is a part of the Enrollify Podcast Network. If you like this podcast, chances are you'll like other Enrollify shows too!Enrollify is made possible by Element451 — The AI Workforce Platform for Higher Ed. Learn more at element451.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send a textWe appreciate everyone tuning in to our show, and we hope you will enjoy listening to one of our past episodes. If you would like to send your well wishes and good vibes, you can find all of our links below!In this week's episode we discussed how Ivy League colleges are bringing back the SAT and ACT as an entrance requirement. Many of these colleges suspended these standardized tests during the pandemic and adopted a more holistic approach to admission. What are your thoughts about college and standardized tests?Our Links:Retrospect

Recorded LIVE from CSM 2026 in Anaheim, Jimmy sits down with Ami Faria from the APTA Board of Directors to discuss:The honest conversation happening around PT student debtWhy the Department of Education's proposed rule could create bottlenecksHow APTA prepares PTs for real advocacy on Capitol HillWhy AI in healthcare needs guardrails — not avoidanceThe strategic push toward Remote Therapeutic Monitoring (RTM)This episode highlights the Earned Attention principle in action: Attention → Trust → Action.The profession cannot outsource its future. Collaboration is the strategy.

The Times' Money desk has been investigating the UK's student debt system – and has discovered some bombshells. After being promised a loan that would be like paying a ‘phone bill every month', graduates are weighed down by tens of thousands of pounds in ever-increasing debt. So how did we get here? And is there a plan to fix it?This podcast was brought to you thanks to the support of readers of The Times and The Sunday Times. Subscribe today: http://thetimes.com/thestoryGuest: Mary Downer, Money reporter, The Times.Host: Luke Jones.Producer: Sophie McNulty.We want to hear from you - email: thestory@thetimes.comRead more: Plan 2 student loan interest is unfair, says Lucy PowellFurther listening: The Budget unpackedClips: BBC, Parliament Live, ITN, Channel 4 News, LBC.Episode artwork: Times Media.This podcast was brought to you thanks to subscribers of The Times and The Sunday Times. To enjoy unlimited digital access to all our journalism subscribe here. Hosted on Acast. See acast.com/privacy for more information.

This week on the LU Moment, we sit down with Megan Begnaud from the Office of Student Aid to discuss financial aid opportunities available for students at LU. For the full transcription of this episode, visit https://lamaru.us/lumomenttranscript.For updates on the latest news and events at Lamar University, visit lamar.edu/news.

Why the rising cost of repaying student debt could become a big problem for the government?Host: Casey MagloireWriter: Amalie SortlandProducer: Jonathan LewisEpisode Photography: Joe MeeExecutive producer: Jasper Corbett Hosted on Acast. See acast.com/privacy for more information.

Join my skool community .Follow @thecontentoutlawFollow @dr.ronda.vaughn & @coachingwithrondaIn this engaging conversation, Dr. Ronda Vaughn shares her unique journey as a third-generation chiropractor, discussing her upbringing in a family of chiropractors and contrasting it with the experiences of her host, Robert DeLude. They explore the importance of community, the creation of Social Oak, a series of social events aimed at empowering women, and the strategies behind building a successful practice without relying on traditional advertising. Dr. Vaughn also delves into her money mindset, shaped by her family's entrepreneurial spirit, and how it influences her approach to business and life. In this engaging conversation, Dr. Ronda Vaughn shares her journey as a chiropractor, her experiences with her entrepreneurial son, and insights into the chiropractic profession. She discusses the importance of patient education, the challenges of chiropractic education, and the impact of social media on perceptions of chiropractic care. Dr. Vaughn also reflects on her family legacy in chiropractic, her personal growth from shyness to confidence, and her views on vaccine choice. The conversation highlights the significance of business acumen in chiropractic practice and the value of mentorship and community in the profession.Dr. Ronda Vaughn is the 12th chiropractor in her family.She believes in the body's ability to heal itself.Her upbringing was different from the norm, focusing on wellness over medication.Community building is essential for personal and professional growth.Social Oak was created to foster connections among women.Branding and naming events are crucial for attracting attendees.Consistency in hosting events is key to sustainability.Dr. Vaughn has never paid for advertising, relying on community engagement instead.Her money mindset is influenced by her family's entrepreneurial background.She encourages her son to pursue his own business ventures. Dr. Vaughn's son is an entrepreneurial spirit, thriving in reselling clothes.Chiropractic education may lack essential philosophical teachings.Patient education is crucial in dispelling misconceptions about chiropractic care.Dr. Vaughn emphasizes the importance of the chiropractic adjustment.The chiropractic profession faces challenges due to student debt and business knowledge.Dr. Vaughn's personal journey reflects significant growth from shyness to confidence.Vaccine choice is a significant topic in Dr. Vaughn's professional life.The importance of mentorship in chiropractic is highlighted.Dr. Vaughn's ideal coaching clients are those ready to take their business to the next level.00:00 Introduction to Chiropractic Legacy02:41 Personal Journey to Chiropractic05:15 Contrasting Upbringings: Chiropractic vs. Traditional Medicine08:09 Building Community Through Social Events10:54 The Birth of Social Oak: A New Approach13:35 Sustainability in Community Events16:22 Marketing Strategies for Chiropractors19:29 The Importance of Networking and Collaboration22:03 Future Aspirations and Community Impact29:47 Building Connections: The Importance of Relationships in Practice34:19 Money Mindset: Shaping Financial Perspectives46:24 From Shy to Confident: Personal Growth and Transformation48:57 Chiropractic Philosophy: The Core of Chiropractic Practice54:01 Aging Gracefully: The Perception of Age54:22 Miracle Stories in Chiropractic: Transformative Experiences57:36 The Impact of Chiropractic on Families59:12 Chiropractic Education: Misconceptions and Realities01:01:31 Trust in Chiropractic: Newborns and Parental Confidence01:03:59 Student Debt and Career Choices in Chiropractic01:05:43 Business Skills in Chiropractic: The Missing Education01:06:35 Reflections on Mentorship and Legacy

Welcome back to Impact Theory with Tom Bilyeu. In this episode, Tom Bilyeu sits down for an intense, thought-provoking conversation with acclaimed author morgan Housel to dig into some of the most pressing economic challenges of our time. Together, they unravel the complexities around America's shifting role as the world's reserve currency, mounting national debt, the rise of China, and the real dangers lurking behind our housing and student loan crises. You'll hear Tom Bilyeu challenge conventional narratives about economic cycles, inflation, and what history teaches us about the rise and fall of empires. morgan Housel offers invaluable perspective—tempering alarmist fears with humility, historical insight, and a focus on what individuals can actually control in the face of profound uncertainty. This episode is for anyone trying to make sense of the headlines, curious about what “trouble” really looks like for the U.S. economy, and seeking wisdom on how to navigate the rocky waters ahead. From global trade wars and demographic shifts to personal finance strategies for turbulent times, Tom Bilyeu and morgan Housel leave no stone unturned. Get ready for grounded optimism, refreshing honesty, and practical takeaways you won't want to miss! What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Quince: Free shipping and 365-day returns at https://quince.com/impactpodHomeServe: Help protect your home systems – and your wallet – with HomeServe against covered repairs. Plans start at just $4.99 a month at https://homeserve.comShopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact Incogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact Sintra AI: 72% off with code IMPACT at https://sintra.ai/impact Huel: High-Protein Starter Kit 20% off for new customers at https://huel.com/impact code impact Bevel Health: Visit https://bevel.health/impact and use code IMPACT to get your first month free. Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription order Cape: 33% off your first 6 months with code IMPACT at https://cape.co/impact Plaud: Get 10% off with code TOM10 at https://plaud.ai/tom Pique: 20% off at https://piquelife.com/impact SOCIALSFollow morgan Housel:Website: https://www.morganhousel.com/Twitter/X: https://twitter.com/morganhouselLinkedIn: https://www.linkedin.com/in/morganhouselInstagram: https://www.instagram.com/morganhousel/ Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Welcome back to Impact Theory with Tom Bilyeu. In this episode, Tom Bilyeu sits down for an intense, thought-provoking conversation with acclaimed author morgan Housel to dig into some of the most pressing economic challenges of our time. Together, they unravel the complexities around America's shifting role as the world's reserve currency, mounting national debt, the rise of China, and the real dangers lurking behind our housing and student loan crises. You'll hear Tom Bilyeu challenge conventional narratives about economic cycles, inflation, and what history teaches us about the rise and fall of empires. morgan Housel offers invaluable perspective—tempering alarmist fears with humility, historical insight, and a focus on what individuals can actually control in the face of profound uncertainty. This episode is for anyone trying to make sense of the headlines, curious about what “trouble” really looks like for the U.S. economy, and seeking wisdom on how to navigate the rocky waters ahead. From global trade wars and demographic shifts to personal finance strategies for turbulent times, Tom Bilyeu and morgan Housel leave no stone unturned. Get ready for grounded optimism, refreshing honesty, and practical takeaways you won't want to miss! What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Quince: Free shipping and 365-day returns at https://quince.com/impactpodHomeServe: Help protect your home systems – and your wallet – with HomeServe against covered repairs. Plans start at just $4.99 a month at https://homeserve.comShopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact Incogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact Sintra AI: 72% off with code IMPACT at https://sintra.ai/impact Huel: High-Protein Starter Kit 20% off for new customers at https://huel.com/impact code impact Bevel Health: Visit https://bevel.health/impact and use code IMPACT to get your first month free. Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription order Cape: 33% off your first 6 months with code IMPACT at https://cape.co/impact Plaud: Get 10% off with code TOM10 at https://plaud.ai/tom Pique: 20% off at https://piquelife.com/impact SOCIALSFollow morgan Housel:Website: https://www.morganhousel.com/Twitter/X: https://twitter.com/morganhouselLinkedIn: https://www.linkedin.com/in/morganhouselInstagram: https://www.instagram.com/morganhousel/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Potential limits on borrowing for a nursing education could affect decisions to stay in the profession or seek advanced training.Episode TranscriptFor more on this story and for others like it, visit the Health Lab website where you can subscribe to our Health Lab newsletters to receive the latest in health research and information to your inbox each week. Health Lab is a part of the Michigan Medicine Podcast Network, and is produced by the Michigan Medicine Department of Communication. You can listen to Health Lab wherever you get your podcasts. All Health Lab content including health news, best practices and research insights are for informational purposes only and are not a substitute for professional medical guidance. Always seek the advice of a health care provider for questions about your health and treatment options. Hosted on Acast. See acast.com/privacy for more information.

Over 42 million Americans have student loan debt, with a total of more than $1.6 trillion owed.Late last year, the Trump administration announced plans to begin garnishing the wages of borrowers in default on student loans, but backtracked earlier this month. The result has created confusion for many facing student loan debt.Tuesday on Midday Edition, we breakdown some of the biggest changes in the federal student loan system and what borrowers need to know.Then, a new book chronicles the origins of the U.S. student loan system and looks at student debt as an issue of civil rights.Guests:Aissa Canchola Bañez, policy director, Protect BorrowersJamal Watson, higher education journalist, professor and associate dean of graduate studies at Trinity Washington University, author of “The Student Debt Crisis: America's Moral Urgency"

Workforce readiness, hands-on learning, and flexible credentialing are no longer peripheral conversations in higher education. They are central to how institutions are being judged on value, relevance, and outcomes. In this episode of Changing Higher Ed podcast, Dr. Drumm McNaughton speaks with Jarred McNeely, Provost and Chief Academic Officer at Sonoran Desert Institute, about how applied, skills-based education can be delivered beyond traditional campuses without sacrificing rigor or quality. McNeely shares how SDI redesigned hands-on instruction for distributed learners by moving labs into students' homes, rethinking assessment around demonstrated competence, and investing heavily in faculty training and support. The conversation explores what these approaches mean not just for trade and technical programs, but for institutions across higher education facing increasing pressure around cost, completion, and workforce alignment. This episode is especially relevant for presidents, provosts, and academic leaders evaluating how applied learning, credential flexibility, and faculty systems can evolve to meet today's student realities. Topics Covered Why hands-on learning does not require centralized labs How lab kits, video-based assessment, and staged progression support skill development What it takes to train and support faculty in distributed, applied programs How simulation and practicum models expand access without lowering standards Why stackable credentials better align with real career movement The role of critical thinking and problem identification in applied education Three Key Takeaways for Presidents and Boards Learning should be assessed by demonstrated competence, not physical presence Faculty training and support systems are the primary drivers of instructional quality Flexible, stackable credentials reduce student risk while supporting long-term engagement Read the transcript or extended show summary: https://changinghighered.com/reduce-student-debt-risk-improve-employability/ #HigherEducation #WorkforceDevelopment #AppliedLearning #HigherEdLeadership #ChangingHigherEd  

Arizonans have over $34 billion dollars in student debt.

Ep 67- School choice is a hot topic and we dive in! If you like what your listening too, please subscribe and if don't mind, leave a positive review on your podcast app! We do not own the rights to any music used but sure enjoy the great sounds! Social Media : X @utwpod FB @utwpodcast email: underthewatertowerinfo@gmail.com Sponsors that make show happen: Brian Couch of Team Couch of Burch Realty - Teamcouch.com office 662-449-1700 Cell 901-461-7653 Alley Ejlali Alfa Insurance - Office number 662-893-0928, Cell 1-843-324-0930  Skinner Tech Group - skinnertechgroup.com 662-399-2400  Desoto Family Dental Care 662-429-5239 Michael Hatcher & Associates (901) 755-3207 Hatcherlandscape.com Salt Chapel wedding venue and event center- Saltchapel.com 662-278-0198**

To end the year, we're doing a countdown of the most listened-to episodes of the orthoPAc podcast! Miguel Serrato, MS,MHA, PA-C, ATC, is a PAOS member and is in his second year as a practicing orthopaedic PA. He shares with Sam some of the considerations that PAs have regarding financing PA school and student loans. Miguel won the Susan Lindahl Memorial Scholarship in 2019 and we caught up with him in 2021. The Susan Lindahl Memorial Scholarship was established in 1998. Susan, the wife of our founding president Joe Lindahl, passed away following a battle with a brain tumor in 1997. This scholarship fund was established in her honor recognizing the sacrifices Susan and Joe underwent getting the PAOS off the ground and sustaining the organization in the early years. The establishment of this memorial scholarship fund was to cultivate and attract PA students into the field of orthopaedics.

JD Vance and Stephen Miller Go NUCLEAR On Somali Fraud. 46 Years Into Feminism… A Lawyer's BRUTAL Confession   JD Vance and Stephen Miller Go NUCLEAR On Somali Fraud | Internet EXPLODES: 'Arrest Them ALL' Watch this video at- https://youtu.be/m2aBFC3hhc4?si=rJI2wF5yJfBxxnVu Benny Johnson 6.07M subscribers 114,972 views Dec 28, 2025 JD and Stephen Miller are pissed over the fraud exposed by Nick Shirley Get The Benny Show Christmas Ornaments: https://shop.bennyjohnson.com/?srslti... BECOME A MEMBER:    / @bennyjohnson   FOLLOW OUR NEW CHANNELS: Benny On The Block:    / @bennyontheblock   Benny's Brews:    / @bennysbrews   FOLLOW BENNY ON SOCIALS: https://www.bennyjohnson.com/follow CHECK OUT OUR MERCH: https://shop.bennyjohnson.com/ Sign up for The Benny Newsletter: https://www.bennyjohnson.com/newsletter SUBSCRIBE TO THE PODCAST https://www.bennyjohnson.com/thebenny...   46 Years Into Feminism… A Lawyer's BRUTAL Confession https://youtu.be/lsw2KzOWlPQ?si=gtK-6mPKwRDLBnUT Rich Cooper Unplugged 59.4K subscribers 265,583 views Dec 21, 2025 #richcooperwisdom #richcooperdaily Join the NUMBER ONE community for men: https://www.skool.com/the-skool-of-un... This Might Be the WORST Story of Dating Delusion Ever Told 00:00 – The Feminist Lie: Introduction 01:05 – A DM From a 46-Year-Old Woman 02:15 – “I Did Everything Right… And I'm Miserable” 03:25 – Career, Degrees, Money — Still Alone 04:40 – How Feminism Discouraged Marriage & Family 05:55 – Losing Friends After They Get Married 07:05 – Living Alone, Working Constantly 08:20 – Men Don't Care About Degrees or Status 09:40 – Dating in Your 40s: The Reality 11:05 – Why Most Men She Dates Won't Commit 12:20 – Social Media Envy & Missed Family Life 13:30 – The “Boss Girl” Attitude & Attraction 14:45 – Aging, Beauty, and Dating Decline 16:00 – Regret, Student Debt, and Missed Timing 17:20 – Why Feminism Leads to Long-Term Regret 18:20 – Final Thoughts & Warning to Younger Women A 46-year-old woman sends a brutally honest message after spending her life following modern feminist advice—career first, relationships later. Despite success, degrees, and financial independence, she admits she is deeply unhappy and full of regret. In this video, we break down her confession and discuss why feminism often fails to deliver the life women are promised, the harsh realities of dating later in life, and the consequences of delaying family and commitment. This is not theory. This is lived experience—and a warning many hear too late. Join Rich Cooper's Guide to Divorce: https://bit.ly/3IjWjSC Credit: Rich Cooper    / richcooperclips      / entrepreneursincars   GET MY BOOK - "The Unplugged Alpha, The No Bullshit Guide To Winning With Women & Life:" https://amzn.to/3fIVW3J SUPPLEMENTS FOR MEN: https://theunpluggedalpha.com/collect... Send business/sponsorship inquiries to EntrepreneursinCars@gmail.com ====================================================== Bitcoin Donations BTC address: 1L1AUHgPeEWXr5AeG6eStRpHsa93FBSNuk ====================================================== © Richard Cooper - For all business inquires contact EntrepreneursinCars@Gmail.com  

In this episode, Olivia sits down with Christine Watters, a former mining engineer turned entrepreneur and founder of Live Free Lavie. Christine shares her powerful journey of paying off $190,000 in student debt, leaving a male-dominated engineering career, and building creative income streams that allowed her to design a slower, more intentional life. They reflect on the perception of higher education costs and the risks associated with these investments, emphasizing the need for greater financial literacy among youth.In this episode, you'll learn:- Why she left a male-dominated engineering career- How creative income streams led to real freedom- The basics of luxury resale and team building- Why seller-financing worked for her first fourplex- How motherhood reshaped her definition of wealth- What it means to build a life aligned with your values⚡⁠⁠Join Wanderlust Wealth Academy⁠⁠⁠⁠⁠⚡⁠⁠Join Scaling to the Moon⁠⁠⁠⚡⁠⁠SIGN UP FOR THE FREE CLASS⁠⁠⁠⁠⁠⚡⁠⁠APPLY FOR THE LEAP YEAR MASTERMIND⁠⁠⁠⁠⁠⚡⁠⁠Join the Community on Substack ⁠⁠⁠⁠⁠Learn more about WWA here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.oliviatati.com/wwa⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Hang out with me on IG: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@theoliviatati⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@wanderlustwealth.co ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Watch this episode on Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@Theoliviatati/⁠⁠⁠⁠⁠⁠⁠⁠⁠

“They Don’t Know What They’re Signing”: The Student Debt Trap In this episode of The Real Deal with Abby and Regan meets real life decisions: college, trades, and calling. Abby and Regan talk about why so many teens are pushed into student debt before they even understand what they’re signing, why we’re “no student loans” moms, and how to help your kids find a path that fits their God-given gifts—whether that’s college, trade school, military, or beyond. Plus: the importance of choosing a campus that aligns with your family’s values, spiritual formation, and the launch-year reality every mom feels. In this episode: The student loan trap (and why teens can’t grasp the burden yet) College vs. trades vs. military: helping kids find their lane Paying for college with scholarships + realistic planning Why values + formation matter as much as a degree “Equally yoked” and the long game of faith + family Want to collab with Abby & Regan and reach 707,000+ parents? https://www.reganlong.com/new-page-3 Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

In this episode of Main Street Matters, Elaine Parker and Campus Reform's Emily Sturge break down the changing landscape of higher education and what it means for students and families. They discuss how to evaluate college options, the real cost of student debt, and whether today’s degree programs deliver long-term value. The conversation also explores affordable alternatives to traditional four-year colleges—including community colleges and trade schools—and examines the role government policies play in shaping education costs and outcomes. A must-listen for anyone navigating college decisions or concerned about the future of higher education.See omnystudio.com/listener for privacy information.

In this episode, we talk with Aaron Smith, the co-founder of Savi, a platform helping millions navigate student loan repayment. He's spent over a decade in student loan policy and higher ed tech, working with organizations like AARP and The National Education Association to unlock nearly $5 billion in projected savings for borrowers. Aaron is also the founder of Young Invincibles, an advocacy organization he started while still managing his own student debt. He's collaborated with the Department of Education and even the White House on meaningful student loan reforms. Host: Marie-Line Germain, Ph.D. Mixing: Kelly Minnis

Creative Solutions for Housing Affordability and Real Estate InvestmentIn this episode of Stay Winning Wealth, the host is joined by mortgage lender and content creator Joel Ferrell (@lendingforentrepreneurs). They discuss the challenges and opportunities in the current housing market, including strategies for making homeownership more affordable. Topics include the impact of rising housing costs, the potential of 50-year mortgages, multi-applicant mortgage loans, and the long-term effects of financial decisions made in youth. They also explore the importance of creative financing and the role of real estate investment in overcoming economic stress and building generational wealth. The discussion emphasizes practical advice for saving, investing, and leveraging resources to achieve financial stability and prosper in today's economic climate.00:00 Introduction and Guest Welcome00:25 Discussing Housing Affordability and 50-Year Mortgages02:52 Creative Financing and Multi-Person Mortgages06:19 Economic Pressures and Family Dynamics11:59 Impact of Immigration on Housing Demand19:18 Real Estate as a Tool for Generational Wealth23:19 New Opportunities in Real Estate23:42 The Impact of Student Debt on Home Buying24:25 Financial Planning for Different Life Stages24:59 Creative Strategies for Building Wealth27:45 The Importance of Consistent Effort30:54 Leveraging Social Media for Success39:41 The Value of Networking and Community44:55 Final Thoughts and Future PlansConsider becoming a channel member: youtube.com/@staywinningusd/join#realestatemarket #housingmarket #housingcrisis ________________________________________________________________FOLLOW ME ON X: https://twitter.com/staywinningusdFOLLOW ME ON INSTAGRAM: https://www.instagram.com/staywinningusd/SUBSCRIBE ON YOUTUBE: www.youtube.com/@staywinningusdDOWNLOAD ON SPOTIFY: https://open.spotify.com/show/2lPyA19keI2fpr0xZrEKxM________________________________________________________________Free Stuff:COINBASE: - https://www.coinbase.com/join/QUZTBUQ?src=android-linkFAIRFIGURE - https://fairfigure.com/?fpr=hugo66NOVO - https://onboarding.novo.co/signup?referral_code=HUGOALONZOSPARK 1% CLASSIC - https://www.capitalone.com/small-business/credit-cards/lp/referrals/?referralCode=3MCCRKQD&customerName=HUGO&programCode=4015&pId=859187&oC=COFR58RSswSTASH - https://get.stash.com/?code=hugo8gqtrMy Tools:DESCRIPT - https://www.descript.com/referral-program?utm_source=user_referral&productId=web.descript.com&ucc=nFmYnMFqdM7&celloN=U3RheQOPUS CLIP - https://www.opus.pro/?via=ef27d8VIDIQ - https://vidiq.com/staywinningpod/My Equipment on Amazon: VHQQ USB C LAVALIER - https://amzn.to/3YyUAklMOVO MIC HANDLE - https://amzn.to/4d90j57SAMSON Q9U XLR/USB MIC - https://amzn.to/3yi70ThDEPSTECH 4K WEBCAM - https://amzn.to/3LU5ee0HOLLYLAND LARK M1 WIRELESS LAV - https://amzn.to/3YwEt6UPIXEL 8A - https://amzn.to/4c91QXuLOGITECH BRIO 101 - https://amzn.to/3yosr55VIDEO LIGHTING WITH C-CLAMP https://amzn.to/3WxOZYXDISCLAIMER: I am not a financial advisor. These videos are for educational and entertainment purposes only. It's not intended as personal or financial advice. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. Before doing any kind of investing or making a financial decision, do your own research and contact a professional financial advisor as needed. I am merely sharing my opinion with no guarantee of gains or losses on investments.Affiliate Links: I receive a small commission for some of the links shared here. These affiliate links are of products and services I have used myself and highly recommend to my audience. It doesn't cost you any extra money to purchase products using my link. By using these links, you are supporting my channel and allowing me to create more free content for you. Thank you!

Student loans aren't stopping you from buying a home — bad advice is. This episode reveals how to navigate mortgage approval with student debt and turn your loan burden into a homeownership advantage.Think your student loans mean you can't buy a home? Think again. In this episode, David Sidoni breaks down how banks actually evaluate borrowers with student debt — and why your total loan amount is way less important than your monthly payment. You'll learn how income-driven repayment plans and debt-to-income ratios really work, what myths are holding renters back, and how owning a home could help you kill that student loan faster. It's not just possible — it's strategic.“Student loans don't stop you from buying a home — not understanding how the system works does.”HighlightsThe total amount of student debt doesn't matter — monthly payments do.Banks approve home loans for borrowers with debt every day.DTI (Debt-to-Income Ratio) is the key metric lenders use.Homeownership can be the best strategy to crush student loan debt.Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

It's the ultimate financial nightmare. Kristin Collier, a young student in Minnesota, woke up one morning to discover that her mother had taken out $200,000 in Kristin's name. Collier tells this story in What Debt Demands, a book about America's student debt crisis that is both personal and political. Collier, who proudly defines herself as a “democratic socialist”, believes that student debt is a form of modern American serfdom. So what to do? She argues for massive debt cancellation, free public higher education funded by taxes on stock trades, and restoring bankruptcy protections that existed before 2005. But with the average American now carrying $105,000 in debt and one in four households living paycheck to paycheck, can any political initiative—a Mamdani democratic socialist style or otherwise—actually address this crisis before it triggers a nightmarish financial crisis in the broader economy?1. Student Debt Has Become Inescapable Serfdom Since 2005, student loans—both federal and private—are nearly impossible to discharge through bankruptcy. Borrowers must meet an “undue hardship” standard so stringent that people are literally having their Social Security payments garnished in retirement to pay off loans taken out at age 20. Unlike mortgages or credit card debt, education debt follows you for life.2. Private Student Lenders Operate Like Subprime Mortgage Predators During the mid-2000s, banks offered “direct consumer private loans” up to $30,000 with no school certification required, transferred straight to bank accounts, with interest rates of 10-12%. A $30,000 loan could balloon to $100,000. Collier's mother was able to take out eight separate loans totaling $200,000 using only a Social Security number and forged signature—the system had no safeguards because lenders prioritized profit over verification.3. Biden's Big Moves Failed, But Smaller Wins Succeeded Biden's signature executive action to cancel $10,000-$20,000 in federal student debt (which would have freed 20 million borrowers) was blocked by courts, as was his generous SAVE income-driven repayment plan. However, his reforms to Public Service Loan Forgiveness, existing income-driven repayment programs, and borrower defense protections have canceled billions in debt—demonstrating that incremental administrative changes work better than bold executive action in our current legal landscape.4. The Debt Crisis Extends Far Beyond Students With average American consumer debt at $105,000 and one in four households living paycheck to paycheck, we're potentially heading toward systemic economic collapse. The issue isn't just student loans—it's medical debt, rental debt, and a broader affordability crisis. Collier's organization, the Debt Collective (born from Occupy Wall Street), treats this as a collective action problem requiring a union of debtors across all categories.5. Debt Creates Psychological Haunting, Not Just Financial Burden Collier describes debt as both “presence and absence”—a constant bodily heaviness and dread. She feared her credit card would be rejected at grocery stores, dreaded checking her bank account, assumed every unknown phone number was a debt collector. This shame is culturally reinforced: Americans are taught that unpayable debt reflects personal moral failure, even when the system itself is predatory. One borrower told her he avoided dating entirely because he was too ashamed to reveal his debt burden.Keen On America is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit keenon.substack.com/subscribe

In this Flash X Space on November 6, 2025, Stefan Molyneux addresses the financial struggles women face, particularly student debt and the aftermath of divorce. He shares a story illustrating these challenges and engages with callers on themes of personal responsibility and societal expectations. The discussion critiques the glorification of youth and beauty, urging listeners to embrace discomfort for growth and reflect on their accountability within societal dynamics.SUBSCRIBE TO ME ON X! https://x.com/StefanMolyneuxFollow me on Youtube! https://www.youtube.com/@freedomain1GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025

From his parents' house to supplying the world's top athletes, Greg Bradley's journey is pure entrepreneurial grit. In this Mentor Moment, the founder of BLK BOX shares how he went from teaching himself manufacturing to building a global fitness equipment brand trusted by Premier League clubs.

For months, the Trump administration has illegally blocked people from accessing student debt relief they are entitled to. The AFT took President Donald Trump and Education Secretary Linda McMahon to court for their student loan lawlessness—and won! In this episode of Union Talk, AFT President Randi Weingarten discusses what this court victory means for borrowers, how people can access relief, and the union's continued fight to get people debt relief and make college affordable for all. Weingarten is joined by Protect Borrowers Legal Director Winston Berkman-Breen to review the impact of the case. She is also joined by two AFT members who were caught in the Trump administration's web of confusion and chaos on student debt: Corey Mason, a teacher in Connecticut, who finally got her debt forgiven after fighting for it with her union, and Stephanie Solis, a nurse in Ohio, who is still fighting for the relief she's entitled to.

In this insightful discussion, Shellee Howard interviews Gary Stocker, an expert on college financial health and viability, to shed light on the often-overlooked financial challenges facing many colleges today. Gary, originally trained as a medical laboratory scientist, transitioned into higher education administration and research, focusing on the financial stability of colleges, especially smaller private institutions. He reveals alarming trends, such as the closure of private colleges at an unprecedented rate, with one closing per week in early 2024. Despite the public perception of wealthy, stable institutions, many colleges, particularly small, rural, and non-urban private colleges, are struggling financially, often keeping these struggles hidden from prospective students and parents.Gary explains how colleges mask the reality of their financial trouble by offering significant tuition discounts, which are often misrepresented as scholarships, to attract students. He warns parents to be cautious and to prioritize evaluating a college's financial health before considering other factors like campus beauty or program offerings. Gary introduces tools he developed at College Viability, including a free report platform (mycollegeviability.com) that allows families to assess the financial health of over 1,400 private colleges and a college majors completion app that tracks graduation numbers in specific majors to help identify programs at risk of closure.He highlights the risks students face if a college closes mid-education, emphasizing the importance of teach-out agreements that transfer students to other institutions, though these partner colleges may themselves be financially unstable. Gary also discusses the differences between public and private institutions, noting that while public colleges have similar low graduation rates, they rarely close due to government funding. He underscores the importance of transparency and independent analysis for families navigating college choices in a financially volatile higher education landscape. HighlightsOver 50% of private colleges graduate less than half their students on time, signaling systemic issues in higher education. Small, rural private colleges are most at risk of financial instability and closure, often without public warning. Tuition "scholarships" are frequently just discounts, not additional funds, misleading families about the true cost. Parents should make financial health the first criterion when evaluating colleges, not just campus appeal or programs. Teach-out agreements help students finish degrees if their college closes, but quality and stability of partner schools vary. Gary's tools (mycollegeviability.com and the majors completion app) provide critical data for assessing college viability and program strength. Public colleges rarely close due to state funding but share similar challenges with graduation rates and funding cuts. Key InsightsFinancial Health is the New Priority in College Selection: Gary stresses that parents and students must prioritize the financial stability of colleges over traditional factors like campus tours or program variety. This shift in focus is crucial because financially unstable colleges may cut programs, reduce quality, or close outright, disrupting students' education and costing families time and money. Rapid Rise in College Closures Indicates a Crisis: The fact that one private college closed every week in the first half of 2024 (though the rate has slowed) reveals a deep financial crisis in higher education, particularly among smaller and private institutions. This trend underscores the urgent need for transparency and proactive financial assessment tools for families. Tuition Discounts Mask True Costs and Financial Realities: Colleges use high sticker prices with large discounts framed as scholarships to attract students and impress families. This marketing tactic hides the actual financial challenges colleges face and can create false expectations for families about the value and sustainability of a college education at these institutions. Teach-Out Agreements Are a Safety Net but Not a Guarantee of Quality: When colleges close, teach-out agreements can transfer students to other schools to complete their degrees. However, Gary highlights that many receiving institutions may themselves be financially fragile or unable to provide the same educational quality, potentially compromising students' outcomes despite the transfer. Data-Driven Decisions Empower Families: Gary's development of tools like mycollegeviability.com and the majors completion app equips families with objective information about college financial health and program viability. These tools help identify risks such as low graduation rates, declining enrollments, and majors at risk of being cut, enabling informed decision-making rather than relying solely on marketing or reputation. Small Colleges Face Unique Challenges: Small, non-urban private colleges are disproportionately impacted by financial difficulties, facing enrollment declines, increased expenses, and infrastructure maintenance backlogs. Their smaller scale and limited resources make them more vulnerable to closure and program cuts, which parents must consider carefully. Public Colleges Are Not Immune but Benefit from Subsidies: Although public colleges share many challenges like low graduation rates, they are less likely to close due to state subsidies and government support. However, they still face budget pressures that can impact program offerings and campus conditions, which families should also monitor, especially as many public institutions cut programs or raise tuition. Lack of Transparency Harms Families' Ability to Assess Risk: Colleges often avoid publicizing financial problems or program cuts to protect their image and enrollment. This secrecy makes it difficult for families to assess risks effectively without independent data sources, reinforcing the value of third-party resources like those Gary provides. Graduation Rates Affect Financial and Opportunity Costs: With over half of colleges graduating fewer than 50% of students within four years, many students face extended education timelines, increased tuition costs, and lost income opportunities. This hidden cost significantly impacts families and should be a key consideration when choosing a college. Parents and Students Must Ask Tough Questions on Tours: Prospective students and parents should inquire about the health and future of low-enrollment majors during campus visits. Declining or small programs may be at risk of elimination, affecting students' ability to complete their desired field of study, highlighting the need for critical questioning beyond surface-level marketing. Independent Fiduciaries Are Needed to Advocate for Families: Gary positions College Viability as an independent advocate for parents and students in a landscape where college presidents and boards prioritize institutional survival. This independent oversight helps balance the interests of families against the colleges' financial realities. Caveat Emptor (Buyer Beware) Applies to College Selection: The age-old Latin warning is especially relevant for today's college market. Families must approach college selection with a critical eye and data-driven mindset, recognizing that traditional trust in higher education institutions may no longer be sufficient to ensure a safe investment for their children's futures. ConclusionThis conversation underscores the critical need for families to adopt a more analytical and cautious approach to college selection. The financial instability of many colleges, especially small private institutions, poses real risks to students' educational trajectories and families' investments. By leveraging independent data tools and focusing on financial health first, parents and students can make more informed decisions, avoid surprises like sudden college closures, and better ensure a quality and stable college experience. Gary Stocker's expertise and resources provide a powerful antidote to the opaque and often misleading narratives promoted by colleges, empowering families in an increasingly complex higher education environment. Connect with Shellee Howard: WebsiteYouTubeInstagram  LinkedIn  Connect with Gary Stocker: WebsiteFacebookLinkedInYouTubePodcast

On this episode of Crazy Wisdom, Stewart Alsop sits down with Leo Guinan to talk about the Manhattan Project for Human Potential, his vision of AI as a tool for personal agency, and the Bottega model inspired by the Medici workshops as a way to reimagine networks, mastery, and transformation. The conversation moves through themes of exponential versus linear growth in the economy, the decline of manufacturing in Ohio, China's rise through complexity and control of supply chains, the dangers of time violence and information asymmetry, and the potential of prediction markets to reshape politics and business. Leo also shares his creative project Hitchhiker's Guide to the Future, which he's building as a group art experiment on Substack — you can find it at hitchhikertothefuture.substack.com.Check out this GPT we trained on the conversationTimestamps00:05 Stewart introduces Leo Guinan and they discuss the Manhattan Project for Human Potential, personal agency revolution, and the Bottega model rooted in Medici workshops.00:10 Leo reflects on networks vs. individuals, the genius–insanity line, and how exponential growth clashes with linear wages in Silicon Valley.00:15 They explore economic tension, the decline of wages, mastery in Bottegas, and the vision of decentralized innovation hubs.00:20 Conversation turns to Argentina, decentralization, and Leo's Ohio roots, tying local manufacturing decline, Anchor Hocking, and drug addiction to global shifts.00:25 Leo shares his frustration with student debt, the fakeness of the economy, and neuroses encoded into AI models like Gemini.00:30 They examine China's manufacturing dominance, mercantilism, complexity inflation, and the concept of time violence.00:35 Leo explains infinite predictors, cooperation, and consciousness as network awareness, citing Creator HQ as conscious technology.00:40 Discussion moves to rigorous mysticism, deterministic transformation, probabilistic futures, and the monkey and the pedestal metaphor.00:45 They analyze 1971 as a break between linear and exponential growth, compute access, surveillance states, and the power of human spite.00:50 Leo imagines algorithm manipulation, local AI, and prediction markets, referencing futarchy and political false choices.00:55 They close with Hitchhiker's Guide to the Future, Leo's group art project on Substack, and the rediscovery of ancient wisdom.Key InsightsThe heart of Leo Guinan's work is what he calls the Manhattan Project for Human Potential, a recognition that artificial intelligence isn't just about technology but about a personal agency revolution. He frames AI as a mirror that reveals how networks of people, rather than isolated individuals, drive intelligence and creativity.The Bottega model, inspired by the Medici workshops, is central to Leo's vision. By gathering diverse minds in tight-knit communities where mastery and exploration thrive, Bottegas become nodes of transformation — miniature Silicon Valleys where reality is fluid and imagination creates exponential value.A recurring theme is the structural flaw of modern economies: wages grow linearly while technology and capital compound exponentially. This creates systemic inequality, leaving most people crushed by rising costs while the top flourishes, a dynamic Leo witnessed firsthand in both Silicon Valley and his Ohio hometown.Leo introduces complexity inflation and time violence as hidden forces of the system. Complexity is rewarded over simplicity, making technology harder for everyday people, while time violence lets some actors leverage others' time to their own advantage, turning the economy into an arms race of asymmetries.Consciousness, for Leo, is about networks that are aware of themselves. He praises simple, embodied tools like Creator HQ that respect users' lived reality and contrasts them with AI systems unmoored from the real world. True mastery, he argues, is embodied, consistent, and grounded in human transformation rather than probabilistic shortcuts.Prediction markets emerge as a future-facing tool, offering a way to test decisions, hedge uncertainty, and surface blind spots. Leo envisions organizations running internal prediction markets and even rethinking politics by holding leaders accountable to explicit promises rather than vague partisan change.At the personal level, Leo is experimenting with transformation through his Hitchhiker's Guide to the Future project on Substack, a group art process that forces him out of his engineering comfort zone. He ties this back to ancient wisdom — from Buddha to Renaissance workshops — showing that the process of transformation has always been a deeply human practice we must continually rediscover.

What if your product could solve a problem that keeps 44 million Americans up at night? In this podcast hosted by iDonate VP of Product Nacho Andrade, Summer Chief Product Officer Michael Scully will be speaking on turning complex financial challenges into strategic product opportunities. Drawing from his entrepreneurial background and deep product expertise, Scully reveals how product leaders can transform seemingly intractable problems into innovative solutions that create real human impact.

On America at Night with Rich Valdés, artist and patriot Scott LoBaido breaks down the heated NYC Mayoral debate, where Curtis Sliwa made headlines for his unshakable stance and fiery performance. Then, EJ Antoni, Chief Economist at The Heritage Foundation, analyzes Trump's Student Loan Forgiveness Plan, exploring its economic impact and what it signals for America's fiscal future. Finally, Pastor Tyrone P. Jones, author of Gripped By Hope: Pulled From Darkness To Light, shares his moving story of redemption and how faith can lead people out of the darkest places. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Hour 1 for 10/13/25 Drew is joined by Ambassador Joseph Cella to talk about the Israeli hostages released, what's next in regards to the peace deal, and other topics related to that. (6:49). Drew then talks with Paul Oster about Generation X experiencing student debt. (33:51) Resources: https://betterqualified.com/ https://studentaid.gov/

Connect with Sierra:IG: @sierradavisofficialWant To Quit Your Job In The Next 6-18 Months Through Buying Commercial Real Estate & Small Businesses?

Say YES! to France! It's not too late join Wendy in France in 2025. Get all the details and reserve your spot below:Paris Christmas Markets Dec. 4-9, 2025Welcome to the Say YES to Yourself! Podcast—the show for midlife women, empty nesters, and anyone navigating life after divorce, burnout, or big transitions. If you're ready to shed cultural expectations, reconnect with your true self, and put your joy first—you're in the right place.In this episode, Wendy welcomes Shellee Howard, a Certified Independent College Strategist and CEO and founder of College Ready, about supporting teens in choosing and affording the right college, without overwhelm, confusion, or regret.They explore:Why college planning often creates stress, fear, and disconnect in familiesWhat shifts when students take ownership and parents lead with values, not pressurePractical strategies for reducing college debt and helping your teen take ownership of their futureThis is a must-listen for any parent who wants to approach college planning with more confidence, clarity, and connection.Connect with Shellee:Get her books: How to Send Your Student to College Without Losing Your Mind or Money &  The College Admissions PLAN SimplifiedSchedule your FREE call: CollegeReadyPlan.infoCollegeReadyPlan.comEmpowerEducation.world________________________________________________________________________________________ Say YES to joining Wendy for her: Say YES Sisterhood PWH Farm StaysPWH Curated France TripsInstagram: @phineaswrighthouseFacebook: Phineas Wright House LinkedinWebsite: Phineas Wright HousePodcast Production By Shannon Warner of Resonant Collective Want to start your own podcast? Let's chat! If this episode resonated, follow Say YES to Yourself! and leave a 5-star review—it helps more women in midlife discover the tools, stories, and community that make saying YES not only possible, but powerful.

Think you can't buy a home until your debt is gone and your savings are massive? Think again. In this episode, David Sidoni breaks down the real math behind saving for a down payment while managing debt — and why waiting too long could actually cost you more. For first-time homebuyers, the internet is full of misinformation: you need zero debt, a huge down payment, and perfect timing. Wrong. In this episode, David tackles one of the biggest fears holding renters back — how much you actually need to save, and whether it's possible to do that while still carrying debt. Spoiler: it is.Building on Rosie's inspiring story from the last episode (a single mom who bought her first home in 2025 after bankruptcy), David unpacks the myths that scare buyers into renting for far too long. He explains the strategies that let you save and pay down debt at the same time, and why the rising age of first-time buyers — now at a shocking 41 years old — is proof that misinformation is keeping people trapped.If you're stuck renting because you think your debt or small savings disqualify you, this episode is your wake-up call. Homeownership is possible sooner than you think — if you know the facts. Quote: “You don't need a big down payment and no debt. Nope, nope, nope.” Highlights:The myth of needing zero debt before buying a home — busted.How to save for a down payment while paying down debt.Why waiting too long could cost you more in rising prices and rents.Rosie's real-life story: from bankruptcy in 2019 to buying in 2025.The shocking truth: average first-time buyer age has jumped to 41. References (If Applicable):186 - INTERVIEW: Buying a Home with 300K of Student Debt?305 - Debt Management: Homebuying 101 - Step 4233 - Interview With Stephanie Who Had 200K In Student Loans, And STILL Bought A Home!339 - Don't Get Pre-Qualified—Get a Plan (INTERVIEW)340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)327 - From “Maybe Next Year” to Homeowner in 4 Months – Elizabeth's Story (INTERVIEW)330 - From Renter to Homeowner with a Home Business – Christina's Story (INTERVIEW)347 - She Fired Her Realtor—and Bought the Right Home in 3 Days (INTERVIEW)351 - How a Drama Teacher Bought a Home Solo (INTERVIEW)Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Let's talk about signs for the future, student debt delinquency highs, and seniors....

Is the entrepreneurial drive something you're born with, or can it be learned? Alan had the chance to sit down with his friend and colleague, Dr. Mark Costes, at the recent Voices of Dentistry Pop Up for a deep dive into the mindset of a business owner. Drawing from his own family history, Dr. Costes argues that an entrepreneurial spirit is often an innate trait (nature), but that the skills to succeed can absolutely be cultivated (nurture). They explore the massive shift in the dental profession from the "golden era"—when clinical skill alone could guarantee a great living—to today's reality, where staggering student debt loads make business acumen a non-negotiable key to survival and success. The conversation also contrasts the cottage industry of dentistry with the consolidated world of medicine, weighing the pros and cons of being a W2 employee versus taking on the risks and rewards of practice ownership. Key Takeaways   Entrepreneurs: Nature or Nurture? Mark believes that while an entrepreneurial spirit might be an innate personality trait, the systems and knowledge required for business success can be learned and mastered by anyone. His father, a corporate man, had the spirit but chose security; Mark was able to live out that entrepreneurial drive. The "Golden Era" of Dentistry is Over: Dentists from previous generations could often succeed despite lacking business knowledge because the revenue from clinical dentistry was high enough to hide inefficiencies. The Stakes Are Higher Now: With average student debt approaching $300,000, new dentists cannot afford to be sloppy with the business side of their practice. Every penny must be accounted for, making business education more critical than ever. The W2 Path is a Viable Option: For dentists who are not interested in the risks and stress of ownership, being a W2 employee can still lead to a successful career and financial freedom. However, it requires a different kind of discipline focused on personal finance, smart investing, and tax strategy to build wealth without the final asset of a practice sale. If You Own, Do It Right: For those who do take the leap into practice ownership, it is crucial to commit to learning the business. Otherwise, you are taking on all the risk, liability, and stress for potentially no significant reward. The Problem with Medicine (and a Blessing for Dentistry): While medicine offers high-income W2 opportunities, it is a highly consolidated system that often leaves physicians with little control and massive tax burdens. Dentistry remains a "cottage industry" with immense entrepreneurial opportunity, despite its own challenges with insurance and patient payment discussions. Information vs. Willpower: Whether discussing personal health or business success, simply having the information is not enough. The key challenge is developing the discipline and willpower to act on that knowledge, a hurdle that many people struggle to overcome. Some links from the show: Dental Success Institute Voices of Dentistry Join the Very Dental Facebook group using the password "Gary," "Timmerman," Hornbrook" or "McWethy," "Papa Randy" or "Lipscomb!" The Very Dental Podcast network is and will remain free to download. If you'd like to support the shows you love at Very Dental then show a little love to the people that support us! -- Crazy Dental has everything you need from cotton rolls to equipment and everything in between and the best prices you'll find anywhere! If you head over to verydentalpodcast.com/crazy and use coupon code “VERYDENTAL10” you'll get another 10% off your order! Go save yourself some money and support the show all at the same time! -- The Wonderist Agency is basically a one stop shop for marketing your practice and your brand. From logo redesign to a full service marketing plan, the folks at Wonderist have you covered! Go check them out at verydentalpodcast.com/wonderist! -- Enova Illumination makes the very best in loupes and headlights, including their new ergonomic angled prism loupes! They also distribute loupe mounted cameras and even the amazing line of Zumax microscopes! If you want to help out the podcast while upping your magnification and headlight game, you need to head over to verydentalpodcast.com/enova to see their whole line of products! -- CAD-Ray offers the best service on a wide variety of digital scanners, printers, mills and even  their very own browser based design software, Clinux! CAD-Ray has been a huge supporter of the Very Dental Podcast Network and I can tell you that you'll get no better service on everything digital dentistry than the folks from CAD-Ray. Go check them out at verydentalpodcast.com/CADRay!