Podcasts about student debt crisis

 In The Age of Insecurity, Astra Taylor traces the historical roots of capitalism's reliance on fear and debt, arguing that insecurity is not a flaw but a feature of the system. Drawing on history, myth, and activism, she reveals how confronting our vulnerabilities can become a collective source of power.Stay informed and engaged! Don't miss out on our captivating weekly episodes that dive deep into the heart of our economy, culture, and politics from the past to the present. Please hit the podcast subscribe button if you've yet to subscribe.[Original Release Date:  December 18, 2023] Description:  Can we turn our insecurity into power? Consumer debt stands at $17.29 trillion and many Americans are drowning in debt, with the average household owning over $100 thousand. The climate crisis, threats to democracy, and global wars add more worry to our already stressful lives. In her new book out from House of Anansi Press, “The Age of Insecurity: Coming Together as Things Fall Apart”, writer, filmmaker, organizer, and the 2023 Canadian Broadcasting Corporation Massey Lecturer, Astra Taylor uses mythology. psychology and the history of capitalism to break down the different kinds of insecurities we face, and explore how our insecurities help capitalism flourish. Without it, the system would cease to function, she says. In her years of work as Co-Founder of the Debt Collective, which emerged from Occupy Wall Street, Taylor has used debt as a tool for bringing people together and organizing. She is the author of The Age of Insecurity: Coming Together as Things Fall Apart, Democracy May Not Exist But We'll Miss It When It is Gone, and The People's Platform (winner of the American Book Award), and the director of What Is Democracy?, among other books and films. In this wide-ranging discussion, Astra Taylor and Laura Flanders discuss the history of capitalism, the rights of debtors, and what we can do to lessen insecurity and expand security both as individuals and as a society. All that, plus a commentary from Laura about language and disruption..“There is a debate here about motivation and what motivates us, and we are constantly being told that if people are too secure, that society's going to collapse and that we can't afford to invest in other folks. And I really want to challenge that idea.” - Astra Taylor“. . . When you start talking about [debt] with others, you realize you're actually in the same boat and you start coming together to demand change, to demand debt cancellation, to demand the provision of these public goods. Debt actually can become a source of power.” - Astra TaylorGuest:  Astra Taylor, Co-Founder of the Debt Collective & Author, The Age of Insecurity*(*Bookshop is an online bookstore with a mission to financially support local, independent bookstores. The LF Show is an affiliate of bookshop.org and will receive a small commission if you click through and make a purchase.) This show is made possible by you!  To become a sustaining member go to LauraFlanders.org/donate RESOURCES: Related Laura Flanders Show Episodes:  •  Watch this episode•. Listen to the full uncut conversation or search in this podcast feed 'Astra Taylor, Age of Insecurity'•  Naomi Klein & Astra Taylor: Are We Entering “End Times Fascism”?  Episode and/or Full Uncut•  Peter Linebaugh on International Workers' "May Day" Origins. Plus, Commentary: 19th Century Anarchist Lucy Parsons,  REWIND•. Catastrophic Capitalism: Marjorie Kelly & Edgar Villanueva on “Wealth Supremacy”  Watch / Download Podcast  Download Full Conversation•  Stimulus Checks Every Month?  Watch / Download Podcast Research Articles:•  “Your Debt is Someone Else's Asset” with Astra Taylor illustrated by Molly Crabapple, The Intercept, Watch Here•  “Freedom Dreams:  black Women and the Student Debt Crisis by The Intercept with support by the, Economic Hardship Reporting Project,   Watch Here Full Episode Notes are available HERE. Laura Flanders and Friends Crew: Laura Flanders, along with Sabrina Artel, Jeremiah Cothren, Veronica Delgado, Janet Hernandez, Jeannie Hopper, Gina Kim, Sarah Miller, Nat Needham, David Neuman, and Rory O'Conner. FOLLOW Laura Flanders and FriendsInstagram: https://www.instagram.com/lauraflandersandfriends/Blueky: https://bsky.app/profile/lfandfriends.bsky.socialFacebook: https://www.facebook.com/LauraFlandersAndFriends/Tiktok: https://www.tiktok.com/@lauraflandersandfriendsYouTube: https://www.youtube.com/channel/UCFLRxVeYcB1H7DbuYZQG-lgLinkedin: https://www.linkedin.com/company/lauraflandersandfriendsPatreon: https://www.patreon.com/lauraflandersandfriendsACCESSIBILITY - The broadcast edition of this episode is available with closed captioned by clicking here for our YouTube Channel

Scott and Ed discuss the latest U.S. GDP report, new data on China's factory activity, and the launch of Amazon's new internet satellites. Then they turn to Big Tech earnings, breaking down first quarter results from Apple, Amazon, Microsoft, and Meta. Finally, they examine the Trump administration's decision to resume forced collections on defaulted student loans, discussing the broader implications and potential solutions for addressing student debt. Subscribe to the Prof G Markets newsletter  Order "The Algebra of Wealth," out now Subscribe to No Mercy / No Malice Follow the podcast across socials @profgpod: Instagram Threads X Reddit Follow Scott on Instagram Follow Ed on Instagram and X Learn more about your ad choices. Visit podcastchoices.com/adchoices

HELP debt is now a $80 billion problem for Australia, and it's only getting bigger. Today we dive into how HECS/HELP debt really works, why it's impacting borrowing capacity, and whether the system needs a major rethink. From free money myths to the true cost of uni, we unpack the long-term financial consequences and what needs to change.On this episode, we discuss:(00:00) Intro (00:38) What is Australia's $80 billion problem? (04:05) 7.5% of your income gone to HELP repayments (05:15) The impact of HELP debt on borrowing capacity (07:00) Government wipes 20% of HELP debt-fair or not? (08:10) Is the real issue the cost of education? (09:00) Are uni campuses over-engineered and overpriced? (10:40) Should education be delivered inside businesses? (13:45) A look into homeschooling and self-directed learning (15:45) The lack of financial education at school (16:45) Would we make different uni decisions with better money knowledge? (18:00) What if higher education was actually affordable? (22:05) How the 20% HELP debt wipe will actually workCheck out the free resources from Inovayt here.Send us an email: hello@thenumbersgamepodcast.com.auThe Numbers Game is brought to you by Future Advisory & Inovayt.Hosts:Nick ReillyJason RobinsonMartin VidakovicThis podcast is produced by VIDPOD.

Skyrocketing costs of attendance, declining enrollment, the advent of artificial intelligence, campus debates about free speech, and a crackdown on diversity initiatives: Today's universities are in a pickle. Adding to this pickle are President Trump's threats and actions on slashing research funding — the financial lifeline of modern universities. Last month, the Chronicle of Higher Education highlighted a new survey of a diverse group of university presidents who were asked if they “believe the Trump Administration is at war with higher education” — and 94% answered they strongly agree.Luigi and Bethany speak to one academic leader with deep experience at the heart of these debates: Nicholas Dirks, former Chancellor of UC Berkeley (2013-2017) and author of the book, "City of Intellect: The Uses and Abuses of the University." Together, the three of them discuss which idea of the university is still valid in the 21st century, how fundraising changed the governance of higher education, and how universities might navigate the challenges of Trump's second administration.Revisit our previous episodes:Universities and Politics: Should They Mix? with Hanna GrayThe Economics of Student Protests

If you've ever had that gut-wrenching feeling of being behind in life, wondering "What am I doing with my life?" – trust me, you're not alone. In fact, you're part of a generation grappling with redefining success in a world that looks radically different from the one our parents knew. In this raw episode, we fearlessly dive into what it really means to thrive as a millennial in 2025.We'll unpack the hard truths behind the millennial wealth gap, exploring how economic shifts, the student debt crisis, and the rise of the gig economy have fundamentally transformed our world. Discover why traditional success formulas no longer hold up in an age of uncertainty and what it really means to thrive in a "risk society."But we don't just dwell on the challenges. We also explore practical strategies for building financial resilience, prioritizing mental health, and finding meaning in the midst of modern chaos. Learn how to chart your own course, create your own milestones, and redefine success on your own terms.Highlights include:Unpacking the Millennial wealth gap: why millennials are 40% poorer than Baby Boomers at the same age (2:15)The Great Delay: how key milestones like marriage, homeownership & career stability have shifted (6:30)Welcome to the Risk Society: navigating invisible, cumulative & irreversible risks in the modern age (15:05)Identity vs. Role Confusion: coming of age in an unstable world (18:45)The Mental Health Triple Whammy: identity formation, relationship navigation & the psychological load (24:10)Your Action Plan: 5 steps to redefine success, build resilience & create change (28:50)Whether you're facing a quarter-life crisis, considering a career change, or just trying to make sense of these chaotic times, this episode offers a compassionate reality check and a roadmap for rewriting the rules of success.Tune in for hard truths, practical wisdom, and a healthy dose of humour as we chart a new path forward together. Because you're not behind; you're exactly where you need to be to write your own story._____________________________________________________________________READY FOR YOUR SCENIC ROUTE?Visit jenniferwalter.me — your cozy corner of the internet where recovering perfectionists come to breathe, dream, and embrace a softer way of living – while creating real change in their communities. Keep the conversation going: Instagram TikTok Threads DAILY DOSE OF CHILLTap into your inner wisdom and let it guide you.Need a gentle nudge in the right direction? The Scenic Route Affirmation Card Deck Deck is your online permission slip to trust your inner compass. Grab yours and let's see what wisdom awaits you today:

Original Air Date 9/14/2022 Today, we take a look at the history and hysteria behind debt and debt forgiveness while Biden is canceling student debt and opponents of the idea are reacting in the most predictable way possible because they misunderstand the relationship between debt and morality. Be part of the show! Leave us a message or text at 202-999-3991 or email Jay@BestOfTheLeft.com Transcript BestOfTheLeft.com/Support (Get AD FREE Shows and Bonus Content) Join our Discord community! SHOW NOTES Ch. 1: Cancel It All: Debt Collective's Astra Taylor on Biden Plan & Need for Full Student Debt Relief - Democracy Now! - Air Date 8-25-22 We speak to Astra Taylor, writer, filmmaker, and co-director of the Debt Collective, a union for debtors and one of the original advocates for a debt jubilee that would cancel all student debt. Ch. 2: Freedom Dreams: Black Women and the Student Debt Crisis - The Intercept - Air Date 8-22-22 The Intercept's new documentary, “Freedom Dreams: Black Women and the Student Debt Crisis,” profiles Black women educators and activists struggling under the weight of tens of thousands, or even hundreds of thousands, in student loan debt. Ch. 3: Hidden History of Student Debt - Thom Hartmann Program - Air Date 8-25-22 Many woke up to find news that $10k of their student debt would be forgiven, Thom Hartmann and Jefferson Smith break down what this means and what happens next. Ch. 4: Bidens Big Student Debt Announcement: PITOTWIU for the Indebted Masses - Unf*cking The Republic - Air Date 8-28-22 Max breaks down the politics, the details, and biggest misses of the Biden student debt relief plan and why it's in danger of being PITOTWIU   SEE FULL SHOW NOTES FINAL COMMENTS Ch. 11: Final comments on morality and money MUSIC (Blue Dot Sessions) SHOW IMAGE:  Description: A dark gray, 3D image of the word "DEBT" sits in a white void, a connected chain and open shackle with an open padlock lie in front of it. Credit: "3D Shackled Debt" by Chris Potter, Flickr | License: CC by 2.0 | Changes: Enlarged with more white background   Produced by Jay! Tomlinson Visit us at BestOfTheLeft.com Contact me directly at Jay@BestOfTheLeft.com

Once upon a time, borrowing money for college was an affordable path towards upward mobility. Today, it's a crisis. With Americans owing a whopping $1.7 trillion in student loans. So how did the student debt crisis get so out of control? From bungled government programs to Sputnik to the Great Recession, “How We Got Here” unpacks the history behind spiraling student debt…with interest! SOURCESOnly 25% of those with student loans went to graduate school—but they owe around 50% of all student debt | CNBCStudent loans are now easier to discharge in bankruptcy, attorneys say: It's 'life changing' | CNBCAverage Cost of College [2023]: Yearly Tuition + Expenses | Education Data InitiativeEverything you need to know about college costs - VoxStudent loan forgiveness: What to know about Biden's $39 billion plan - VoxWhy Does College Cost So Much? - The New York TimesIntroducing Bennett Hypothesis 2.0 | Center for College Affordability and ProductivityStatement Before the House Committee on Education and Workforce On Lowering Costs and Increasing Value for Students, Institution | Texas Public Policy FoundationIs Rising Student Debt Harming the U.S. Economy? | CFRStudent loan forgiveness: How much debt has Biden canceled? | CNN PoliticsFederal Student Loan Borrowers Reveal Grim Expectations for Payment Resumption | Morning ConsultDrivers of the Rising Price of a College Education | MHECMSD Annual Report 2022 - Student Debt and Young AmericaState Funding for Higher Education Still Lagging | NEAEducation; College Officials Defend Sharply Rising Tuition - The New York TimesStudent loan forgiveness: How much debt has Biden canceled? | CNN PoliticsThe Political Case For Student Debt Cancellation | Data for ProgressPublic Law 94-482 94th Congress An Act

Learn how to escape or even avoid crushing student debt  I am beyond thrilled to bring to you a remarkable young women, Bri Franklin, who co-founded the non-profit The Prosp(a)rity Project to help others avoid the massive amount of debt she incurred by attending an expensive college and being ignorant of the student loan consequences. She could have let the financial burden she experienced after graduation defeat her, but she decided to defeat it. Over many years she has worked tirelessly to pay off almost all of her debt. Now her mission is to help others in the same boat. Listen in, be inspired, and please share far and wide. Watch and listen to our conversation here Key takeaways from our conversation: Young people: think very carefully about who you want your future self to be, and make sure that the you of 10 or 20 years from now thanks you and is appreciative for the actions that you take today. Taking out loans have the potential to either upgrade your life or set you far behind the eight ball. Bri: If I could do it all over again, I absolutely would have heeded the advice of being very careful before just blindly signing any paperwork. College used to close the gap between socioeconomic groups, but now unfortunately, because of some bad acting, it has become the opposite and is now growing the wealth gap between socioeconomic classes and race communities. Predatory lending is subprime lending, taking advantage of a customer for the sake of financial gain. It's basically taking advantage of customer and consumer ignorance, which tends to adversely impact people in black and brown communities. Bri's hope is to educate young people and their parents through the educational system long before they make college loan decisions. Want to connect with Bri? You can find her on LinkedIn, Instagram, Facebook, Twitter, and her website The Prosp(a)rity Project. More stories of courageous entrepreneurs making a real difference in people's lives: Hamilton Perkins—An Inspiring Entrepreneurial Success Story Theresa Carrington—Transforming Impoverished Artisans Into Entrepreneurs  Lynette Guastaferro—Transforming How Teachers Teach In Over 700 Urban Schools Ivy Gordon—Providing A Powerful Voice To The Sexually Abused Additional resources for you My two award-winning books: Rethink: Smashing The Myths of Women in Business and On the Brink: A Fresh Lens to Take Your Business to New Heights Our new book, Women Mean Business: Over 500 Insights from Extraordinary Leaders to Spark Your Success, co-authored by Edie Fraser, Robyn Freedman Spizman and Andi Simon, PhD Our website: Simon Associates Management Consultants Read the transcript of our podcast here Andi Simon: Welcome to On the Brink With Andi Simon. Hi I'm Andi Simon. Remember, my job is to get you off the brink. And the way I like to do that is to help you listen to people, or see them if you're watching the video, who can help you really understand the challenges in front of us in these fast changing times, and how you can see, feel and think about them with a fresh perspective. I like that fresh lens because unless you see somebody who's addressing a problem, you really don't understand the words, even if you read about it or maybe watched a video. There's something very personal about some of the challenges that we're facing that you might be as well. And so how do you address them? So I met Bri Franklin, and Bri came to one of our book launch events for Women Mean Business: Over 500 Insights from Extraordinary Leaders to Spark Your Success. And I must tell you that the book tour has been extraordinary as well. I'm enjoying the people we meet there. So she and I spoke afterwards. Let me give you a bit of a biography of her bio, and then she'll tell you much more about her own journey. And I think it's an important one that you understand. Bri Franklin is a businesswoman, philanthropist and student debt expert and thought leader with a passion for the socioeconomic and holistic empowerment of Black girls and women. And I think you're going to think about this for all girls and women, but particularly women of color who are dealing with things in a particular fashion. Having taken on a financial burden that eventually ballooned to nearly $120,000 in student debt through her undergraduate studies at Dartmouth College, Bri developed an acute appreciation for the challenges many student debt holders experience, including their diminished ability to establish financial independence, take advantage of personal freedoms, or launch a business venture. There was an article I was reading today about how the student debt for the generation who's coming into the markets today is limiting their ability to buy a car. Today, a car is so expensive, it's often as expensive as buying someplace to live. And 52% of the young people are living at home, not necessarily because they want to, because it's impossible to find a place they can afford even if they share it. So our economy and our society is very challenging for young people because of the student debt and the inability to get past it. In recognizing the extent to which other Black women in particular experience adversity at the hands of the $2 trillion student debt crisis and the lack of financial literacy, particularly not knowing what it means, not knowing what to do about it, Bri formed The Prosp(a)rity Project as a solution for eradicating the systemic barriers. Her work has been profiled in outlets such as Forbes, BuzzFeed, Authority Magazine, and Thrive Global, and she's attracted support from audiences worldwide, generating nearly $400,000 in revenue. But I think this is a more complicated and serious opportunity for you to understand what's happening, how it's impacting lots and lots and lots of young people, particularly Black women, and what we need to do to teach them how to be literate, but also how to use it wisely. Even businesswomen tell me that they don't understand the finances and they don't go after capital. So this is a big long term opportunity for us to educate them. Thank you for joining me today. Bri Franklin: Oh my gosh. Well, your intro was incredibly flattering. Thank you so much for making space and the opportunity for me to be a guest today. Andi Simon: You are a beautiful and brilliant woman. I'd like you to share with the audiences your own journey because as you shared it with me, I went, oh my gosh, we have to have you on our podcast so people can appreciate that, that nothing is a straight line from here to there. And your journey is not unique. There are many others just like you, but yours is the one we're going to focus on. Who is Bri Franklin and what has been your journey so far? You're a young person, but it's been a complicated one. Bri Franklin: It certainly has. I like to say that I had a very atypical post-graduation trajectory, and it was very much a jungle gym and not a straight line or ladder. So I came out of Dartmouth. I was the first in my family not to go to college but to go Ivy League. So I grew up in the Deep South, from Atlanta, Georgia, and always performed at the top of my class, student honor roll, principal's list. You get the idea. And everyone just always told me, you've got to go to the Ivy League. You know, that's where it's at for you and that's where you're going to thrive and excel. And so I really internalized that and thought, this is the only way to really honor my academic inclinations to the best of my ability. I started with one of the schools in my top choices and I ended up getting accepted, and it was between Dartmouth and Emory University. So, again, as an Atlanta native, it was a very close call because Emory was offering quite a bit of financial aid to the tune of all but $5,000 in grants, and that would have applied across all four years. So if I had chosen there, I would have walked away with no more than $20,000 in debt. That's if I hadn't done work-study or anything to offset my obligation versus the $100,000 that I came out of Dartmouth with. And the deciding factor was, I was looking at the opportunity of going to an Ivy League and being in those circles, and the 18-year-old version of myself was also very much motivated by getting away from my parents and being able to break camp and go do my own thing. Not the best decision or reason for accruing so much debt, but that is how my story goes. So I came out of Dartmouth in 2017, as I mentioned, with $100,000 in debt principal, and then it quietly ballooned to about $116,000 within two years because of both interest and ignorance, on my part, and because of that ignorance, I also aimlessly wandered into other kinds of debt, and that included credit cards, and a car that was way outside my budget. It impacted every level of my life, socioeconomically and mental health, and put me behind the eight ball in terms of achieving the typical milestones that young twenty-somethings often have made in the past, with little to no friction. So, and having dealt with that personally, I just became incredibly empathetic to others in that situation because it showed me that this was not the result of anything that I had done as far as breaking rules. In fact, I was trying to follow the rules, but unfortunately it worked against me because of what I now discovered is called predatory and subprime lending. So that's exactly what my work focuses on resolving at a systemic level. Andi Simon: When you went off, I'm curious, we all have kids and grandkids who are looking at college. And were you knowledgeable about student loans when you made the decision to go to Dartmouth without the grants as opposed to Emory with the grants? And was the reputation that much more powerful, did the colleges help you at all? Bri Franklin: I get asked this a lot because people really were stuck trying to figure out why would I take the route that I did when Emory was literally making it so much more financially feasible? And that was because at 18, I call it the Know-It-All factor. A lot of teenagers are guilty. I think that's almost the rule of thumb is that being adolescent and teenage, you just get in your own way sometimes and you think you know everything and that you've got all the answers. And that was really how I functioned, because no one had explicitly taught me what all was at stake. You know, people just said things that were very nebulous, like, that's a lot of debt. But I also would hear things like, oh, but you're going to Dartmouth and you're going to get hired immediately, and you'll be able to write your own ticket. That was everyone's favorite phrase: guidance counselors, teachers, relatives. A lot of people were just so convinced that by virtue of attending a school of that pedigree, that was automatically going to translate into an optimized advantage in the job market and increase my earning potential. And so I just absorbed those promises and I didn't really think to probe beneath the surface and take a step back and consider. Based on having majored in English literature, not having done a traditional internship, I didn't know the first thing about networking. I didn't know how to play those Ivy League cards. So I really came out almost with no measured advantage right away. And, you know, for all intents and purposes, I think in those initial years, I could have been off to a stronger start coming out of Emory, but it was definitely a delayed gratification thing. And at these stages of my career, in my life, the Dartmouth Circle has come back full circle, and it's now paid off in dividends in terms of the opportunities and the rooms that it puts me in. But I had to actively work for that, it was very much something I had to go out of my way to make up for lost time on, and it cost me quite a bit in the interim. Andi Simon: What's so interesting is that you're a smart woman, and yet understanding the culture that you're going into, there was no way to imagine it. You were imparting upon it your own sense of how it was going to benefit you. Even being an English major without having an internship, you were having a great time being you, and it wasn't necessarily a good set up for the future, even if you didn't have the debt. You're missing something. We talk in business about mentors or sponsors. Well, here's an 18 year old who needed somebody who could guide you through your labyrinth and the jigsaw that you were going to be going through so you came out wiser, not poorer. So it's interesting, as the listener is listening or viewing, how did you get yourself past the $116,000 in debt? Were you able to figure out a way out of it? Because I have a hunch that's part of Prosp(a)rity Project‘s foundation. Bri Franklin: So the short answer is, I'm still working through it. Unfortunately, I have not completely cleared it. However, I have made progress. I paid off about $40,000 of those various debts. So the total number, including the car, the credit cards, at the time was about $123,609. And I say, zero common sense. So I was able to shave off about $40,000, and I rolled up my sleeves and I threw pride completely out of the window. And in 2019, I say that was my aha! I had a moment. I'd gotten so far behind on my loans, which for my private lenders alone were about $750 a month, irrespective of income. So because I came out and I was working temp jobs and contracts, I mean, I was making $15 an hour on a good day. And so I say my income was inconsistent at best, nonexistent at worst. And the fact that my debt was constant regardless of what I was earning, that was, of course, very challenging to overcome. And just even at a practical level, having conversations with the lenders on the phone, the representatives, trying to appeal to them, get them to cut me a break, get them to give me some extra flexibility, it didn't always go over well. And so it all blew up in the summer of 2019, where my credit had taken a hit by about 150 points overnight because I fell more than two months late on my loans. And that also spilled over to my co-signers, my dad and step mom at the time; both of them had signed on to those initial private loans, and that had consequences for their credit. And it put us at odds interpersonally. And those relationships were always very valuable to me growing up over the years. So it was just a cobweb of dysfunctionality and heartache, really. And so that was helpful, though, because it was able to just reroute me and caused me to take stock of my situation and just decide, as I said at the event, it may have started with these external factors. “This situation is terrible and I am irritated by it.” But even though it didn't start with me, it ends with me. And so that's why I rolled up my sleeves. I got two part-time jobs. I worked retail, which as an Ivy League graduate, takes a lot of humility to suck up the courage in your hometown, of all places, where you're running into classmates and teachers and all kinds of people who are like, wow, that's where Dartmouth landed you. It was very much a pride component to it. But I was so motivated to get out of debt, I really didn't care. I was like, if people are going to judge me for this, that's their problem. I'm getting money by ethical means, and it's building character, which it really did. So that was the foundation. I did what Dave Ramsey calls the debt snowball, and I started with the smallest balance listed out regardless of interest. And then I began chipping away. And because it does work as a psychological boost, when you can see the numbers go away, you feel like I can do this. And it doesn't feel like I'm draining the ocean with a teaspoon. This money does count for something. It is making a difference. It sets you up for progressive wins. And so I continued to keep those jobs through the end of that year, and I kept Orangetheory when I moved to the Bay area in 2020. I stayed and I enjoyed the increased pay difference because of the California minimum wage being twice of Georgia's. But I was able to stay with family friends and not have to pay rent. So I got all the upside and none of the financial downside, and I just aggressively knocked those loans down. And then once Covid hit, then it was starting from scratch all over again. And then once I started up The Prosp(a)rity Project, that summer was when I finally felt like my purpose was walking into place and I could see myself continuing down this route. And if all went well, being able to eventually climb out of debt along with the people that we helped. Andi Simon: You know, I'm a visual person, and your story almost looks like a movie. Hopefully one day it's real on the one hand, but I'm listening to you share with us the agony, the catalytic moment, the moment at which you realize that I can't keep going like this. The impact you had on your family. None of this should be missed by the listener or the viewer because this is a very smart woman who found herself in a difficult situation that she's working out of. It's not like she won the lottery but it is without a whole lot of help. It's not as if everybody's walking around on those, either the credit card or the car, but it is. And she's also a representative of the generation that is finding themselves very much like herself in difficulty. You know, I'm a smart person. How did this happen? And once you got past that, how this happened, did it? Then how do I do something about it? Well, I can work hard. But now you've got Prosp(a)rity Project. Are you working on anything else? Or is this your business that you're going to turn into a solution? Bri Franklin: Yes! So Prosp(a)rity Project, this was my 24/7 life commitment for the last three and a half years. So we started up in the summer of 2020, and that took us all the way through this past December. And so we're now at an exciting point of pivot where we're using the last three and a half years of expertise, leadership, partnerships, just all of the gains and the wins that we've been able to accomplish collectively and through our work and turning that into an even more forward thinking solution. So for context, Prosp(a)rity Project‘ is a 501 C3 nonprofit. The mission is leveling the socioeconomic playing field for communities most susceptible to and impacted by predatory lending. And in our first iteration of work, that was exclusively serving debt constrained, college educated Black women. We launched what's called the 35*2 Free initiative, which draws its name from those two guiding statistics: $35 billion of student loan debt, as well as a 35% rate of financial literacy that Black women in the US hold collectively. And so through that program, it's a multi-pronged approach of not just helping that group pay down student loan debt, which we did up to $10,000 per person, but also training them on finance through what we call FinTech. So it's six months of personalized financial guidance to give them a better roadmap for how to manage and steward their money and eventually build wealth, coupled with eight weeks of career development training, where they can put that into practice and then use that to go out for higher paying jobs and pivot into more lucrative industries, etc. And so in doing those pilot runs, we did one virtual in 2022 with 12 women, we did a hybrid in the DC, Maryland, Virginia area last year with eight program members. We now have almost two dozen basically MVP's, that we've been able to coach and get to know personally and turn that into the basis for an app that does the same thing, but to another degree by helping prevent it altogether with teenagers. So we're calling it Cadet Prosperity. And this is taking that IP and all of the user experiences and live journeys of these women, turning it into gamified avatars that can then coach and pay that information forward to middle and high schoolers who are sitting ducks, basically, for more predatory lending and usury. So it's very exciting to bring it full circle and be able to help at critical scale. Andi Simon: Let me see if I can take what you said and play it back so that I fully understand it. First of all, what's predatory lending? You know, let's clarify the words. Bri Franklin: So predatory lending, as I've been explaining it in conversations and defining it through our work portfolio, is basically subprime lending or taking advantage of a customer for the sake of financial gain. So a lot of times that looks like very cryptic and underhanded paperwork or not being completely forthright in the terms, not going to great lengths to really make sure that the user understands what it is they're signing up for. So it's basically taking advantage of customer and consumer ignorance. And that typically tends to adversely impact people in black and brown communities, whose parents or grandparents also were susceptible and didn't know how to train them and break that cycle themselves. So it's basically exploitation in the lending industry. Andi Simon: Um, okay. Good. So understanding that, the other side of it is the ignorance of people to what that means and how to do it. And what you have had is now a dozen approximately folks who have gone through your program, which does two things, one of which is, begins to develop their career skills and the other helps them work off their debt, which if you combine the two, should get them a pathway to, I'll say, prosperity at least, so that they can see the end of the tunnel and celebrate where they're actually going to arrive. And if you don't know where you're going, it's difficult to get there. And now we've turned the nonprofit into a for-profit application for gamification, for younger borrowers. Is that what I hear? Bri Franklin: You summed it up beautifully. Andi Simon: Well, I heard what you said, but I also know sometimes, as the listener is paying attention to it, they don't quite necessarily put all the parts together. And I know that you've gotten on the one hand a training and development program nonprofit is that going to stay around, or are you going to move everything into a for-profit mode? Bri Franklin: In all transparency, that's a decision that we're going to be huddling on in a couple of weeks just to weigh the pros and cons either way. I want it to be completely certain, whichever direction we move it in, so that it wasn't a start-stop, because there's still a lot of merit to keeping the nonprofit intact. But at the same time, in just taking stock of the current fundraising climate, I think, user listeners and audience members who are also in the philanthropic space, we can all collectively agree that 2023 was not a great year. And especially in our case, being a social justice-founded organization that was unapologetically Black, serving for so long, it was a moment in time and certainly not a forever movement.  And so we've seen a lot of appetites go back to pre-George Floyd pre-COVID business as usual. There's a diminished sense of urgency around closing the gap for the black and brown community. So, my inclination is that we will at least just focus our efforts on the for-profit, even if we don't legally retire the nonprofit, just perhaps having it on freeze for the time being until we can reintroduce these initiatives, perhaps through a foundation at some point down the line, once the for-profit is revenue-generating and off the ground. Andi Simon: This is very important to hear, because your business challenge isn't like other business challenges. The not-for-profit side needs funding through different sources than a for-profit side does. Right. And the application is now up and ready to go. And in schools themselves, if I remember you were telling me, not yet. Bri Franklin: The FinTech app, we are in the very early stages, looking to raise pre-seed funding and just building out our initial team. And we do have a target go to market by next January when we would be ready to roll it out, ideally as a first version into schools. But, we definitely got our work cut out for us before then. Andi Simon: I think you've opened up a very different opportunity where individuals, schools, training centers…my head's already thinking about folks who I need to introduce you to, who you get into the high school training milieu and are really concerned about developing those young folks with the right skills and tools to do it. It's very interesting and just curious, strategically, are you thinking of this being something bought by schools or by individuals or by parents? I mean, who's the market? Bri Franklin: So my co-founder and I, we just ironed this out over the last 48 hours. So we're looking at B2B to see, the sell would potentially be to perhaps like a large banking institution, perhaps a tech developer itself like Apple and have it pre-installed on devices that are going to schools from the distribution standpoint and honoring the fact that a lot of school budgets tend to be very shoestring and don't have a ton of money set aside for major app rollouts. It's subsidized largely from school partnerships. We're thinking that it would be one of those two routes as we see it right now. Andi Simon: That's exciting, because if you get the endorsement of a distribution channel like an Apple or something, or even the banks who could really see this as part of their community development initiatives, you get legitimacy and co-branding on it. And that takes it from a startup to something that could have great legs and go further. When you have tested it, have you tested it? I mean, I'm sort of trying to remember what we talked about, but have you tested it among youngsters and do they find it a wonderful game? Bri Franklin: So the game itself is still being developed behind the scenes. However, we have been in touch with their would-be gamers' parents, so we do have some focus groups that we've built out with mothers, fathers, of middle and high schoolers. And again, going back to drawing from my own experience, that know it all factor, we're trying to get the best of both worlds, where we are that conduit for mom and dad, because we realize that a lot of this information is as simple as table talk, dinner table conversation. But there's the lalala, I can't hear you because you raised me sort of thing going on. And so we're trying to solve for that, but also not have it backfire to where it interferes with screentime parameters and household rules, parents keeping kids off of devices past certain hours or things like that. Certainly not letting it slide into an addictive user experience or anything. So we are trying to have those conversations now. So that informs the build out and saves us having to go back and rewrite or take out things once we've already done the heavy lifting. Andi Simon: It's so interesting because everything has its challenges. We have a society where the youngsters are quite not savvy on how to use applications like these. Can we use them to really educate them so that they can be wiser and make better decisions as they're approaching their adulthood? At the same time, that it could interfere with their focus on other studies and other pieces. Bri, this is so profound because the problem isn't a little one. It's a big one. I'm glad you're sharing it with us because I'm not sure how I would learn more about it. It's sort of like, where does this fit into the whole context of what's going on out there? You can hear about, a president wanting to eliminate student debt and then people objecting to it, and it just breaks your heart. To some degree, it is a reflection of our society. Bri Franklin: It is. And that's where we also see the opportunities because it's a knowledge gap on so many levels. And I've done personal crusading, you know, through going in and speaking to companies and trying to build the empathy because so many people put blinders on because they remember how it used to function when they were in college, which is how it was supposed to work. Higher education used to be a gap-closing convention. That was how people were achieving upward mobility in the 40s when the GI Bill was first introduced, that paved the way for the current student debt crisis. It looked nothing like it does now. Student loans were capped at 1,000 USD per year, and it was directly tied to a boost and a measurable advantage in the job market post-graduation that you then use to repay the loans in full, get your mortgage, marry, start a family, and live your most prosperous life. And then, around in the 70s, people started to catch on just how lucrative it really was and how much demand there was. That's when it privatized and opened the floodgates for the hell that we know today. And, you know, the Student Loan Marketing Association became what we know as Sallie Mae. And then there was the lobbying in 2004 that prevented people from being able to discharge their loans through bankruptcy. So there's just been so many factors that are greed and profit driven, as opposed to opportunity and people driven. And so that's where we're coming in to reset the clock and the board and just say, time out, things like this cannot go on. My motto was that every bubble bursts, just like the housing bubble burst. And so many others. We've seen an economic collapse before. I don't think this will be any different. And so that's why we are positioning this as something that is not only innovative, but critically necessary. I've gone so far as to compare it to a vaccine against the virus of predatory lending, or the equivalent of equipping teenagers with a driver's license so that they can legally operate a car. We're saying debt doesn't have to be the enemy. It's the ignorance that creates the problem and has potential to turn it from a tool to a trap. So we're solving for a lot, and it's educational at every turn, which is why we want parents to be on board with us and to not look at this as a tool to create controversy or to challenge their beliefs in a way that undermines their parenting, but rather to bring them up to speed and help them understand what's at stake for their child. Andi Simon: You are a very articulate young woman. Thank you. I loved listening to what you just said because you really understand the complexity of this. There's no simple answer. And you have a passion and a purpose. You understand it and you want to stop it. And I am just honored that you are on our podcast today to share it. Thank you for joining us. It's just so much fun. I think we're about ready to wrap up. A couple of things you want our listeners to remember or our viewers to hear you say: one, two or three things that are really important for youngsters to know and parents to be aware of, and the universities that won't pay attention to right now. Bri Franklin: Yes, because I do have advice for all three groups, but I'll stick to those first two. So for young people, if you're listening, if you hear this in Mom and Dad's car ride or come into it on your own, I would say think so carefully about who you want your future self to be, and you want to make sure that the you of 10 or 20 years from now thanks you and is appreciative for the actions that you take today. Because things as serious as taking out loans have potential to really either upgrade your life or set you far behind the eight ball, and take it from someone who has spent all of her 20s trying to catch up and get back on track to achieve the things that used to be so typical for my age group. If I could do it all over again, I absolutely would have heeded the advice of being very careful before just blindly signing any paperwork. For parents on the other side of that coin, I know that there's a tendency to just say college or bust and to insist that our children, our nieces, our nephews are keeping the family legacy alive by going to our alma maters or just going to college. It's become more of a tradition. But we've got to remember the why again. College used to be unanimously gap closing, and now, unfortunately, because of some bad acting, it's become the opposite and is growing the wealth gap between socioeconomic classes and race communities and everything. And so we want to just make sure we're setting our kids up for success no matter what that educational means looks like. Andi Simon: All right, now I'll let you talk to those colleges. So the warning for them is…? Bri Franklin: Do better. I think that there certainly is a place for academia, and I have great respect for what's come out of colleges: vaccines, academic research, forward-thinking initiatives. And I remember the upsides of my own college experience, but it's just unacceptable to keep driving tuition rates up with no correlation to how that's going to better the student's job experience post-graduation. So I would say that the short of it is that we have to remember that it's about serving people and not gaining profit. Andi Simon: Yes, I agree. What a wonderful podcast to share with our audiences today. I can't tell you how much I've enjoyed meeting Bri Franklin, and I think you should take a look at the Prosp(a)rity Project and see how you, too, can be of help to her and to those who are trying. Now, they're just the two of you, or is it a bigger organization than that? Bri Franklin: So on the 24/7 main buildout it is myself and my co-founder, but we are basically migrating our existing task force from Prosperity Project over to Cadet Prosperity. We've begun to start getting feelers out there for advisors and potential board members. So we're growing quickly. But in terms of the day to day diligence, it is myself and Kaylee for right now. Andi Simon: You're great. Great. Well, I'm honored to have you here today. It's been a pleasure. Let me say goodbye to our audience. Thank you for coming. Remember our newest book, Women Mean Business: Over 500 Insights from Extraordinary Leaders to Spark Your Success has just become a really cool book. And I can only tell you that I've written three but this one touches my heart because as I open it, people in the audience say, ah. I actually had a client who yellow marked it all and when I met with her, she went, oh, you've changed my life. It's available on Amazon, Barnes and Noble in your local booksellers. I can only tell you that I met Bri through a book tour event at Eileen Rosenthal's in Washington, DC, and every time I do one, I meet some others who say, oh, this is a great book. It's the wisdom of 102 women, and they can't wait to share with you what they've learned and how you can succeed as well. Thanks for joining me today. Bri Franklin: Thank you again for having me. The conversation just went by in a flash, and I look forward to this being the first of many dialogues that we have. Andi Simon: I'm looking forward to it as well. I'm going to stop and say goodbye to all of you who come. You remember you've taken us to the top 5% of global podcasts. I'm honored. Thank you so much. Keep sharing and sharing Bri's so that her message can get out there to parents, kids and everyone else. Bye bye now.     WOMEN MEAN BUSINESS® is a registered trademark of the National Association of Women Business Owners® (NAWBO)

This week on Generation Justice, we spoke with Amy Czulada, a member of the Student Borrower Protection Program. Amy discusses the current student debt crisis and the resources the center offers students. And Dr. Magda Avila, a member of the Board of Directors with the New Mexico Environmental Law Center discusses the Albuquerque-Bernalillo County Air Quality Control Board.

“Student Loans with AFP's Jessica Pollock” “Not in my Back Yard” “Snuffing Freedom with Lee Williams” “Biden's Economic Legacy” 

The number of Americans with student debt is higher now than ever before. Trevor examines how student debt got so out of control in the U.S. and its potential effects lasting to the grave for many older borrowers. And Roy Wood Jr. examines breaks down the pros and cons of college.See omnystudio.com/listener for privacy information.

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Claire Ballentine, Bloomberg Personal Finance Reporter joins the show talking about the new polls that show student debt crisis will move front and center with monthly payments resuming.    Credit: © Jack Gruber-USA TODAY

Today, on Midday: what to do about the nation's student debt crisis. Forty-five million Americans are carrying debts from their or their children's education, totaling more than $1.7 trillion. Women borrow more than men. (They also complete their degrees more often.) African Americans borrow the most, and most frequently. In 2022, then-WYPR education reporter Zshekinah Collier reported that the average student loan debt for a Maryland resident was $42,861, the second-highest average in the country, just behind Washington D.C. The Biden Administration's first plan to forgive some student loans for some students was struck down earlier this summer in a 6-3 ruling by the US Supreme Court. The White House immediately announced a new plan that pegs loan repayments to income levels. A beta version of the application website launched last week. The permanent site will be up later this month. A COVID-related payment hiatus period ends next month. Let's begin by understanding what's in the new Biden plan, known as the SAVE Plan, for Saving on a Valuable Education. Tom's first guest is Katherine Knott, a journalist who covers federal policy for the online education news journal, Inside Higher Ed.  Katherine Knott joins us on Zoom from Washington, DC… The three-year hiatus from loan repayments that began during the COVID-19 pandemic comes to an end in October. Resuming those payments will be a certain hardship for tens of millions of borrowers already struggling with their monthly expenses. Joining Tom now in Studio A is Dr. Tisa Silver Canady. Dr. Canady is a financial wellness advocate for scholars and the founder of the Maryland Center for Collegiate Financial Wellness. One of the programs that many families rely on to fund education is called a 529 Plan. Over the last few years, the MD 529 Plan encountered major problems stemming from mistakes in calculating the amount of interest the accounts were to have been credited with. The mess led to the resignation of the twelve-member board that overseeing the program. Last spring, the Maryland legislature transferred authority for the fund to State Treasurer Derek Davis. But now Davis, too, has come under criticism for problems with the fund. A co-sponsor of that legislation was Maryland Delegate Catherine Forbes, a Democrat who represents District 43B (Baltimore County). Del. Forbes joins us on Zoom from Towson, Maryland. (AP Photo/Jacquelyn Martin)Email us at midday@wypr.org, tweet us: @MiddayWYPR, or call us at 410-662-8780.

Today's episode features Nika Booth from Debt Free Gonnabe™  Nika is a debt payoff expert and public servant who has been on a wild journey of debt freedom culminating in a substantial amount of student loan forgiveness through the PSLF program. She now helps others in student loan debt navigate repayment and the steps it takes to feel empowered on that journey. We invited Nika on so we could chat about all things student loans and the pending SCOTUS ruling. This is one episode you DO NOT want to miss!   In this episode, we chat about: The peaks and valleys of the debt payoff journey The current state of student loan forgiveness Steps for listeners to employ right now with their education loans    MENTIONED IN THIS EPISODE: IDR Waiver How to find out what your upcoming payment is: Log into Studentaid.gov to find out who your current loan servicer is  Update your contact information  Look at what your current payment plan is.  It is the same repayment plan that you were on prior to March 2020!     CONNECT WITH TODAY'S GUEST, NIKA:  www.debtfreegonnabe.com Instagram @debtfreegonnabe   ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial freedom. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Join Everything but the Bagel, our exclusive membership community   RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing

First, John discusses confederates of Mississippi and Trump's takes on nuclear tech. Bob Cesca joins in to talk politics as Justin Pearson was restored to the Tennessee statehouse. Then, John brings up a brutal video depicting the decapitation of a Ukrainian solider that has been recently circulating online and he plays President Zelenskyy's promise to restore the damage done by Russia. Next, he take calls and discusses white supremacy and extremist right-wing gun violence. Finally, Cody Hounanian of the Student Debt Crisis Center joins to talk student debt obstacles.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On this episode of "The Federalist Radio Hour," Inez Stepman, Federalist senior contributor and a senior policy analyst at the Independent Women's Forum, joins Federalist Culture Editor Emily Jashinsky to discuss the downstream cultural consequences of the national student debt crisis and share why conservatives should care.You can read Stepman's essay here: https://americanmind.org/memo/academy-delenda-est/You can find Stepman's podcast "High Noon" here: https://www.iwf.org/category/our-work/podcasts/high-noon-podcast/

Companies like SoFi and Chipper offer to help people manage their college loans. But they're not likely to fix the flawed economics of education. Thanks for listening to WIRED. Talk to you next time for more stories from WIRED.com.

Companies like SoFi and Chipper offer to help people manage their college loans. But they're not likely to fix the flawed economics of education. Thanks for listening to WIRED. Talk to you next time for more stories from WIRED.com.

President Biden promised to cancel up to $20 thousand of student loans, but will he be able to keep that promise? CBS' Thane Rosenbaum has more in today's Reporters Notebook.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We are excited to have Maddy MADlines Clifford back on the show to share her journey as the Deputy Press Secretary for the Debt Collective. She discusses how her art informs her activism and provides helpful tips for managing activist burnout. Tune in for an enlightening conversation with the accomplished Maddy! References:  Biden Can Still Cancel Student Debt — Not Just Up to $20,000, But All of It Freedom Dreams: Black Women and the Student Debt Crisis (short film) Protest at the Supreme Court to defend student debt cancellation (Feb 28th) Tarot for Change Using the Cards for Self-Care Acceptance & Growth Episode 37: Economic Chasm (Maddy's first episode) Maddy “MADlines” Clifford (website) Maddy “MADlines” Clifford (Tiktok) Black Women DreamSpace Feb 26, 2023

In this clip from his "Thinking Out Loud" series, Double D discusses the roots of the Student Debt Crisis. He examines how making education class restricted has instituted a form of social reproduction, where those who are able to afford college go on to become technicians and complex system managers who do not question the status quo, but instead run the self replicated system as efficiently as possible.Don't forget to like, comment, and hit subscribe!Please support the channel financially if you can!You can now join the Patreon for as little as $1 a month, with exclusive posts and behind the scene content coming every few days!

This week on “The Learning Curve,” co-hosts Cara Candal and Gerard Robinson talk with Dr. Richard Vedder, Senior Fellow at the Independent Institute and Distinguished Emeritus Professor of Economics at Ohio University. He shares analysis on the macro impact of COVID on the U.S. labor market, and the long-term economic prospects of American college students. […]

This week on “The Learning Curve,” co-hosts Cara Candal and Gerard Robinson talk with Dr. Richard Vedder, Senior Fellow at the Independent Institute and Distinguished Emeritus Professor of Economics at Ohio University. He shares analysis on the macro impact of COVID on the U.S. labor market, and the long-term economic prospects of American college students. He reviews insights from his recent book... Source

This week on “The Learning Curve,” co-hosts Cara Candal and Gerard Robinson talk with Dr. Richard Vedder, Senior Fellow at the Independent Institute and Distinguished Emeritus Professor of Economics at Ohio University. He shares analysis on the macro impact of COVID on the U.S. labor market, and the long-term economic prospects of American college students. He reviews insights from his recent book... Source

In the wake of the Supreme Court's decision to rule on the constitutionality of President Biden's student debt relief program, Preet speaks with Blake Zeff, a journalist and former political staffer who has made a film about the student debt crisis. Zeff's film, “Loan Wolves,” traces the origins of the crisis to a little-known provision in a 1998 law. Stay Tuned in Brief is presented by CAFE and the Vox Media Podcast Network. Please let us know what you think! Email us at letters@cafe.com, or leave a voicemail at 669-247-7338. References & Supplemental Materials: Zeff's film, “Loan Wolves,” MSNBC and Peacock “Student loan documentary director explains why it's so hard to declare bankruptcy over loans,” Insider, 11/23/22 “Justice Department and Department of Education Announce a Fairer and More Accessible Bankruptcy Discharge Process for Student Loan Borrowers,” DOJ, 11/17/22 “Durbin Statement On Release Of DOJ Guidance On Discharging Student Loans In Bankruptcy,” Sen. Dick Durbin, 11/17/22 S.2598 - FRESH START Through Bankruptcy Act Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Biden Administration wants to make higher ed more affordable. Why aren't colleges and universities doing more themselves to make getting a degree less expensive? Eric Kelderman and Mitch Daniels join Meghna Chakrabarti.

It's been three weeks since Biden signed an executive order for student loan forgiveness up to $20,000. Frederick Hess shares why he thinks it will backfire on Democrats in the midterms and gives some better options for dealing with the student debt crisis besides pulling from taxpayer's pockets.See omnystudio.com/listener for privacy information.

On August 25th President Joe Biden announced a plan to cancel up to $20,000 for borrowers of federal student loans. Three weeks later Governor Spencer Cox joined nearly half of the governors across the country in demanding President Biden withdraw that plan. This week we explore the student debt crisis, the president's plan to forgive loans and the impact on borrowers and others.See omnystudio.com/listener for privacy information.

Air Date 9/14/2022 Today, we take a look at the history and hysteria behind debt and debt forgiveness while Biden is canceling student debt and opponents of the idea are reacting in the most predictable way possible because they misunderstand the relationship between debt and morality. Be part of the show! Leave us a message at 202-999-3991 or email Jay@BestOfTheLeft.com  Transcript BestOfTheLeft.com/Support (Get AD FREE Shows and Bonus Content) Join our Discord community! OUR AFFILIATE LINKS: BOMBAS.COM/BEST BUY ONE/GIVE ONE TO SOMEONE IN NEED ExpressVPN.com/BestOfTheLeft GET INTERNET PRIVACY WITH EXPRESS VPN! BestOfTheLeft.com/Libro SUPPORT INDIE BOOKSHOPS, GET YOUR AUDIOBOOK FROM LIBRO! SHOW NOTES Ch. 1: Cancel It All: Debt Collective's Astra Taylor on Biden Plan & Need for Full Student Debt Relief - Democracy Now! - Air Date 8-25-22 We speak to Astra Taylor, writer, filmmaker, and co-director of the Debt Collective, a union for debtors and one of the original advocates for a debt jubilee that would cancel all student debt. Ch. 2: Freedom Dreams: Black Women and the Student Debt Crisis - The Intercept - Air Date 8-22-22 The Intercept's new documentary, “Freedom Dreams: Black Women and the Student Debt Crisis,” profiles Black women educators and activists struggling under the weight of tens of thousands, or even hundreds of thousands, in student loan debt. Ch. 3: Hidden History of Student Debt - Thom Hartmann Program - Air Date 8-25-22 Many woke up to find news that $10k of their student debt would be forgiven, Thom Hartmann and Jefferson Smith break down what this means and what happens next. Ch. 4: Bidens Big Student Debt Announcement: PITOTWIU for the Indebted Masses - Unf*cking The Republic - Air Date 8-28-22 Max breaks down the politics, the details, and biggest misses of the Biden student debt relief plan and why it's in danger of being PITOTWIU Ch. 5: Republican Veteran Concerned By Negative Military Recruitment Amidst Student Loan Forgiveness - The Majority Report - Air Date 8-29-22 Florida Representative Michael Waltz believes the military recruiting crisis will worsen with President Biden's student loan forgiveness. He also believes it is unfair to those who have not incurred debt. Ch. 6: Forgiving (and Unforgiving) Debts - Now & Then - Air Date 9-6-22 Heather and Joanne discuss the history of debtors' prisons in early America, the rise of bankruptcy laws after the Civil War, and the Cold War origins of federal student loans. MEMBERS-ONLY BONUS CLIP(S) Ch. 9: Bidens Big Student Debt Announcement: PITOTWIU for the Indebted Masses Part 2 - Unf*cking The Republic - Air Date 8-28-22 Ch. 10: Forgiving (and Unforgiving) Debts Part 2 - Now & Then - Air Date 9-6-22 FINAL COMMENTS Ch. 11: Final comments on morality and money MUSIC (Blue Dot Sessions): Opening Theme: Loving Acoustic Instrumental by John Douglas Orr  Voicemail Music: Low Key Lost Feeling Electro by Alex Stinnent Activism Music: This Fickle World by Theo Bard (https://theobard.bandcamp.com/track/this-fickle-world) Closing Music: Upbeat Laid Back Indie Rock by Alex Stinnent SHOW IMAGE:  Description: A dark gray, 3D image of the word "DEBT" sits in a white void, a connected chain and open shackle with an open padlock lie in front of it. Credit: "3D Shackled Debt" by Chris Potter, Flickr | License: CC by 2.0 | Changes: Enlarged with more white background     Produced by Jay! Tomlinson Visit us at BestOfTheLeft.com Listen Anywhere! BestOfTheLeft.com/Listen Listen Anywhere! Follow at Twitter.com/BestOfTheLeft Like at Facebook.com/BestOfTheLeft Contact me directly at Jay@BestOfTheLeft.com

Ep 52: "Access To Learn" with Mason AksamitAccess To Learn:"Finding An Alternative To The Student Debt Crisis"This week we talk with actor, filmmaker, and writer Mason Aksamit.We talk about CLEP and DSST exams which could help solve the student debt crisis. You can find Mason here:Email: MasonAksamit@yahoo.comBook: AmazonYoutube: Mason AksamitInstagram: @mason.aksamitTikTok: @masonaksamit_________Brought to you by Papercraft Miracles: https://www.papercraftmiracles.com​​​Music provided by Birocratic: http://www.birocratic.bandcamp.com​​​Support the show http://www.patreon.com/reachthestarsSupport the show

Chief joins the show to talk about the student debt crisis. We get into the number of people in student debt, the qualifications to receive a grant for financial aid, how colleges have responded to this, and more.

Carter uses the student loan crisis and Biden's recent student debt cancellation order to help illustrate a few principles of clear thinking, including: 1) Identifying Context; 2) Recognizing Value Judgements; and 3) Not Being a Stupid Marxist. Is college "valuable?" The video version of this episode is available here: https://unsafespace.com/ep0846 Links Referenced in the Show: Biden's order to cancel student debt: https://www.whitehouse.gov/briefing-room/statements-releases/2022/08/24/fact-sheet-president-biden-announces-student-loan-relief-for-borrowers-who-need-it-most/ UT Austin's Diversity, Equity, and Inclusion bureaucracy: https://texasscorecard.com/local/ut-austins-multimillion-dollar-diversity-bureaucracy/ About Dangerous Thoughts Hosted by Carter, "Dangerous Thoughts" is a series dedicated to practical and applied philosophy, as well as deeper dives into other crucial but complex topics. Its goal is to help rational individuals become more dangerous to the intellectual and psychological enemies of the principles upon which Western Civilization was built and has thrived. Thanks for Watching! The best way to follow Unsafe Space, no matter which platforms ban us, is to visit: https://unsafespace.com While we're still allowed on YouTube, please don't forget to verify that you're subscribed, and to like and share this episode. You can find us there at: https://unsafespace.com/channel For episode clips, visit: https://unsafespace.com/clips Other video platforms on which our content can be found include: LBRY: https://lbry.tv/@unsafe BitChute: https://www.bitchute.com/channel/unsafespace/ Also, come join our community of dangerous thinkers at the following social media sites...at least until we get banned: Censorship-averse platforms: Gab: @unsafe Minds: @unsafe Locals: unsafespace.locals.com Parler: @unsafespace Telegram Chat: https://t.me/joinchat/H4OUclXTz4xwF9EapZekPg Censorship-happy platforms: Twitter: @_unsafespace Facebook: https://www.facebook.com/unsafepage Instagram: @_unsafespace MeWe: https://mewe.com/p/unsafespace Support the content that you consume by visiting: https://unsafespace.com/donate Finally, don't forget to announce your status as a wrong-thinker with some Unsafe Space merch, available at: https://unsafespace.com/shop

Carter uses the student loan crisis and Biden's recent student debt cancellation order to help illustrate a few principles of clear thinking, including: 1) Identifying Context; 2) Recognizing Value Judgements; and 3) Not Being a Stupid Marxist. Is college "valuable?" The video version of this episode is available here: https://unsafespace.com/ep0846 Links Referenced in the Show: Biden's order to cancel student debt: https://www.whitehouse.gov/briefing-room/statements-releases/2022/08/24/fact-sheet-president-biden-announces-student-loan-relief-for-borrowers-who-need-it-most/ UT Austin's Diversity, Equity, and Inclusion bureaucracy: https://texasscorecard.com/local/ut-austins-multimillion-dollar-diversity-bureaucracy/ About Dangerous Thoughts Hosted by Carter, "Dangerous Thoughts" is a series dedicated to practical and applied philosophy, as well as deeper dives into other crucial but complex topics. Its goal is to help rational individuals become more dangerous to the intellectual and psychological enemies of the principles upon which Western Civilization was built and has thrived. Thanks for Watching! The best way to follow Unsafe Space, no matter which platforms ban us, is to visit: https://unsafespace.com While we're still allowed on YouTube, please don't forget to verify that you're subscribed, and to like and share this episode. You can find us there at: https://unsafespace.com/channel For episode clips, visit: https://unsafespace.com/clips Other video platforms on which our content can be found include: LBRY: https://lbry.tv/@unsafe BitChute: https://www.bitchute.com/channel/unsafespace/ Also, come join our community of dangerous thinkers at the following social media sites...at least until we get banned: Censorship-averse platforms: Gab: @unsafe Minds: @unsafe Locals: unsafespace.locals.com Parler: @unsafespace Telegram Chat: https://t.me/joinchat/H4OUclXTz4xwF9EapZekPg Censorship-happy platforms: Twitter: @_unsafespace Facebook: https://www.facebook.com/unsafepage Instagram: @_unsafespace MeWe: https://mewe.com/p/unsafespace Support the content that you consume by visiting: https://unsafespace.com/donate Finally, don't forget to announce your status as a wrong-thinker with some Unsafe Space merch, available at: https://unsafespace.com/shop

With the wave of a wand, billions in student loan debt will be wiped away. How is this possible and what will the impact be? While this sounds great, every action has consequences. In this week's Trading Perspectives, Sam, Courtney, and John discuss how this student loan debt relief will impact everything from consumer confidence and elections, to inflation and the soaring cost of college.

With more than thirty years of executive leadership experience in the private sector, public service, non profit, and higher education, Gregg is a seasoned and proven leader who can be relied upon for good judgment, open communication, honesty, compassion, and transparency.With an acclaimed teaching, scholarship, service and leadership record, Dr. Busch is the recipient of several honors including the 2015 On The Cutting Edge Award for College-wide Innovation, 2014 Presidential Recognition Award for Commitment to Excellence in Service to the College, 2013 Presidential Recognition Award for Strategic Enrollment Management, 2012 Presidential Recognition Award for Curriculum Leadership, 2008 National Excellence Award for Teaching and Leadership from the National Institute for Staff and Organizational Development (NISOD), thrice named the WVU Parkersburg Professor of the Year, twice named the SBR Distinguished Professorship, recipient of the President's Medal for Team Excellence, and named in the Top 2000 Great Educators Worldwide by Cambridge University.At twenty-one years old, Gregg became one of the youngest business success stories in his chosen profession through hard work, dedication, compassion, creativity, forward-thinking, extraordinary leadership skills, and  innovation.This episode is brought to you by N2N's Illuminate App, The iPaaS for Higher Education. Learn more at https://illuminateapp.com/web/higher-education/Subscribe and listen to more episodes at IlluminateHigherEducation.comContact Philip Levine:  https://www.linkedin.com/in/phillip-levine-01354b145Phillip Levine Twitter: https://twitter.com/phil_wellesley?s=20&t=XWiqxUEAONTx8JKt3dmjGQLearn more about Myin Tuition Corp: https://myintuition.org     

Bobby Matson is a University of Michigan grad obsessed with building better infrastructure for all student loan borrowers. Bobby led engineering teams at Carbon Five, where he built technology for Groupon, Fandango, and Stitchfix and shipped software to millions of users. After codifying student loans and building an algorithm to manage the crushing six-figure student debt he and his wife faced, Bobby, founded Payitoff in 2018. The company offers a suite of innovative tools for financial services and workplace providers to help their customers navigate student loan repayments and achieve better financial outcomes. To date, Payitoff's tools have saved student loan borrowers $10.6 million through partner companies, with much more on the horizon. Bobby is proud to lead Payitoff with the philosophy that what's best for the borrower is always what's best for business.This episode is brought to you by N2N's Illuminate App, The iPaaS for Higher Education. Learn more at https://illuminateapp.com/web/higher-education/Subscribe and listen to more episodes at IlluminateHigherEducation.comContact Bobby Matson: https://www.linkedin.com/in/bobbymatsonLearn more about Payitoff: https://payitoff.io     

The number of Americans with student debt is higher now than ever before. And student debt is a lot like an STD: You can get it by accident in college, but then it follows you around your whole life. Trevor examines how student debt got so out of control in the U.S. and its potential effects lasting to the grave for many older borrowers.See omnystudio.com/listener for privacy information.

The Half Hour is a current events podcast designed with the intention of helping Extemporaneous speaking competitors (and other Speech and Debate members, as well as listening for the general public) understand the importance of political, social, or economical events on a domestic and international scale.Ep. 34 - Student Debt CrisisIsn't it funny that colleges talk about the student debt crisis? If it is so bad, then why don't colleges just fix it themselves? In this episode of The Half Hour, YuYu and Spencer unveil what is going on with the student debt crisis in the United States.For sources from this Podcast and more information, visit:https://www.oneclapspeechanddebate.com/post/the-half-hour-with-yuyu-yuan-and-spencer-travis-ep-34-student-debt-crisisWatch and subscribe to The Half Hour episodes on YouTube here: https://www.youtube.com/channel/UCx79MVh5SZHG4m8mrPiMA1gFollow Us On Social MediaThe Half Hour:Instagram - https://instagram.com/thehalfhourextemppodcast?utm_medium=copy_linkTwitter - https://twitter.com/the_half_hourOne Clap Speech and Debate:Facebook - https://www.facebook.com/oneclappodcastInstagram - https://www.instagram.com/one_clap_podcast/YuYu Yuan:Instagram - https://www.instagram.com/yuyu.yuan927/Spencer Travis:Instagram - https://www.instagram.com/spencer_travis_/Credits and CredentialsVideo/Audio Recording: Zoom Video CommunicationsProduction Recording: OBS StudioDesign Production: Adobe SparkHosts: YuYu Yuan, Spencer TravisBusiness Information: Reach via Social Media [Links Above]Produced By: Spencer TravisEdited By: Joshua MitchellPublic Relations Specialist: Camila RiveraPowered By: One Clap Speech and Debate Podcast [Lyle Wiley]Music By: Lyle Wiley (Production: GarageBand)This podcast (or clips from this podcast) cannot be used without consent of One Clap/The Half Hour. All recordings are our own work with our own research and information put together.Get your cool One Clap Speech and Debate merchandise here: https://www.bonfire.com/store/one-clap-speech-and-debate/The One Clap June Newsletter (next newsletter in August):https://docs.google.com/document/d/1JWfWqcPcLhcJc-1fiueCipua56Prfh9Yt-JKEE0X_vw/edit?usp=sharingThe Enthusiasm ProjectDeep dives exploring the world of what it means to be an independent creator.Listen on: Apple Podcasts SpotifySupport the show

Tamara and Nneka will Well Acquaint you the Student Debt Crisis particularly, the Biden Administration initiatives on forgiving student debt, the social and economic consequences of student debt, and those groups that are disproportionately impacted by the crisis. Excitingly, consumer law attorney with the National Consumer Law Center, Alpha Taylor, joins us in this episode. As Mr. Taylor brings his expertise to this discussion, this episode reveals the continuing racial and economic inequalities that exist till this day, and the broken systems of respective government institutions.

More and more Americans are facing massive student debt and daunting payment plans once the federal pause on loan payments runs out. But this burden is not spread evenly, and neither are the challenges of paying it off. In this episode, we spoke to Associate Professor of Public Policy Fenaba Addo about who is really facing a student debt crisis, what contributes to student debt accumulation, and how race and family wealth factor into it all. For more of Fenaba Addo's work: Check out  her report on this topic: Ensuring a More Equitable Future: Exploring and Measuring the Relationship Between Family Wealth, Education Debt, and Wealth Accumulation Listen to her on an episode of PitchFork Economics titled Why Should We Cancel Student Debt?

On the 33rd episode of the Long Relief podcast, Jordan and Josh discuss the first two games of what has been an exciting NBA Finals, including big-time scoring performances by Steph Curry and Jordan Poole and big-time podcast performances by Draymond Green. They then react to Aaron Donald's new contract that pays him a hair above the NBA minimum, Donovan Mitchell's (possible?) trade request, and some quick hits headlined by an ode to possibly the greatest mid-day cartoon of all-time. Follow us on Twitter! @longreliefcast @byjordanwolf @aeschlimanjosh

International public speaker, author, professor, and adjunct executive team leader Dr. Jennoa Graham joins the podcast this week to discuss the student loan crisis, the normalization of living beyond our means, and the value of community when you're trying to improve your life. With a 20-year career in corporate accounting and consulting, Dr. Graham is the founder of the Educational Debt Cancellation Foundation (EDCF) and Utilitarian Financial Consulting Corporation (UFCC), and recently published a memoir Cyanidation: The Refinement of My Life. Watch this episode on YouTube:  Learn more about Dr. Graham https://drgnp.com/ https://www.facebook.com/Dr.GrahaminPurpose/ I'm hungry for feedback!  Let me know what you'd like to hear more about by connecting with me on Instagram at https://www.instagram.com/bodsillian/, by leaving a review on iTunes, or by leaving a comment on the YouTube video.

In this episode, Executive Director of the Student Debt Crisis Center Cody Hounanian talks with a student from the UC Riverside School of Public Policy about the student debt crisis. About Cody Hounanian: Cody Hounanian began his work with Student Debt Crisis Center working on issues like consumer protection policies and student loan refinancing. As executive director, Cody oversees the budget and program management of SDCC and is in charge of day-to-day operations. Learn more about Cody Hounanian via https://studentdebtcrisis.org/about/ Podcast Highlights: “When you have a debt burden of 1.7 trillion dollars and you have 42 million Americans impacted, it's an issue that cannot be ignored today.” - Cody Hounanian on the topic of the debt ballooning exponentially. “And we're now looking at a scenario in our society in which many people do not think higher education provides enough benefits and it's because debt has stripped all those benefits away.” - Cody Hounanian on the conversation of attending college and its benefits. “We need to stop treating it as if it's only about the bottom line as if we're running a bank.” - Cody Hounanian on the topic of the greedy nature of student loans. Guest: Cody Hounanian (Executive Director of SDCC) Interviewer: Kevin Karami (UCR Public Policy Major, Dean's Chief Ambassador) Music by: C Codaine https://freemusicarchive.org/music/Xylo-Ziko/Minimal_1625 https://freemusicarchive.org/music/Xylo-Ziko/Phase Commercial Links: https://spp.ucr.edu/ba-mpp https://spp.ucr.edu/mpp This is a production of the UCR School of Public Policy: https://spp.ucr.edu/ Subscribe to this podcast so you don't miss an episode. Learn more about the series and other episodes via https://spp.ucr.edu/podcast.

This is the WFHB Local News for Wednesday, May 18th, 2022. Later in the program, WFHB News Director Kade Young speaks with Phil Schuman, Executive Director of Financial Wellness and Education at Indiana University, about the student debt crisis in the United States. More in today's feature report. Also coming up in the next half …

In this hour-long discussion, I am joined by Luci of Blue Moon Red Wine, as well as Courtney & Keisha Banks to discuss the student loan debt crisis, whether or not President Joe Biden refusing to forgive all student loan debt may crash the economy, why student loans should be discharged in bankruptcy proceedings, the cooptation of student debt organizations, and how they plan to use a campout event this Labor Day to bring grassroots activists together.If you have action ideas regarding the student debt crisis or anything else, tweet at us: @bmrwshow @oneofthesekeis1 or @courtneybanksor email  infochangecamp@gmail.comStudent Debt Boycott Marathon on Indie News Network:https://www.youtube.com/watch?v=9d5aRjsn1xQCamp Dada:https://twitter.com/infochangecampinfochangecamp@gmail.comhttps://givebutter.com/campdadafundHow Chile Overcame the Student Debt Crisis:https://bmrw.substack.com/p/coming-soon?s=wCheck out the Bank Sisters for Future Actions:https://www.youtube.com/channel/UCQKe2zhkBMoLYVC6UIeRj7gFor Daily Actions on Student Debt, including calling your reps for the return of bankruptcy rights:https://studentloanjustice.org/index.htmlSupport the show

The Student Debt Series is limited episode run on covering the solutions to the crisis. Ranging from from debt cancellation to income based repayment, the series strives to build a pathway to a universal and free higher educational system.

The Student Debt Series is limited episode run on covering the solutions to the crisis. Ranging from from debt cancellation to income based repayment, the series strives to build a pathway to a universal and free higher educational system.

The Biden Administration has delayed the restart of student loan repayments. We discuss the federal government's role in causing and fixing the problem of high student loan debt. Josh Mitchell and Beth Akers join Meghna Chakrabarti.

Prof. Shermer tells us how student loans were designed as a financial product, rather than a guarantee for higher education. This history, she explains, has made all the financial difference to students, their families and our country, and has created the current crisis. As of the production of this podcast episode, America's student debt burden stood at $1.73 trillion! Do the math, and you'll note that this figure is not an insignificant percentage of our GDP. While this debt keeps on climbing, no one in government is really rushing to fix the problem. And here is something intriguing: this is a decades-old problem. That's right! As Professor Shermer tells it, complaints about student debts were voiced as far back as 50 years ago. As the complaints became more vocal in the 1990s, the Clinton Administration almost embarked on major changes to our student debt system. But as politics go, it was not to be! Blazing voices of students during the Occupy Movement in the Great Recession brought national news coverage to the debt crisis. Regardless, student debt and its burden have continued climbing unabated. Professor Elizabeth T. Shermer, Loyola University Chicago, is the author of Indentured Students: How Government-Guaranteed Loans Left Generations Drowning in College Debt (also available on Amazon). In this episode, she explains how we got here. I hope you enjoy this episode and gain some perspective about our country's student debt crisis. Adel Host of ThePeel.news podcast U.S. Economy Series: click for more episodes SUPPORT: To continue our free podcast program, we depend on our listeners' support. So please click this link https://anchor.fm/the-peel-news/support and join our other supporters in the news peeler community. Thank you.