Podcasts about student loans

In this episode you will hear: Mark shares 10 Speakpike messages from listeners and he has a little commentary on each message Interview-Student Athlete Advisors-Part 2 of 4 o Amy discusses how a player can find out the level that they can play at o Joe talks about how much you can learn from studying the rosters of the students o Reid talks about the best way to reach out to colleges once you know you are interested in them o Reid talks about the importance of video and the importance of having an effective call to action in your outreach o Katie talks about using social media to reach out and she talks about how to tell if a coach is serious about you o Katie talks about the importance of follow-up o Joe talks about which coaches you should read about o Joe gives his view on athletic resumes o Recommended Resources Colleges that allow self reporting of test scores Colleges that Allow Self-Reporting of SAT and ACT Scores Great source for questions about finances and college Edvisors: Financial Aid, Student Loans, Scholarships and Money Management FAFSA Walkthroughs Mark recommends Complete FAFSA 2026‑2027 Walkthrough | From Start to Submit 2023-2024 FAFSA Walkthrough Video English CSS PROFILE Walkthroughs CSS Profile Walkthrough MEFA Institute: A Deep Dive into the CSS Profile Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast. You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day. To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses. Check out our new blog. We write timely and insightful articles on college admissions: https://yourcollegeboundkid.com/category/blog/ 1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK. Please follow our podcast. It really helps us move up in Spotify and Apple's search feature so others can find our podcast. If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful! If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live. Check out the college admissions books Mark recommends: https://yourcollegeboundkid.com/recommended-books/ Check out the college websites Mark recommends: https://yourcollegeboundkid.com/recommended-websites/ If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link: https://docs.google.com/forms/d/e/1FAIpQLScCauBgityVXVHRQUjvlIRfYrMWWdHarB9DMQGYL0472bNxrw/viewform If you want a college consultation with Mark just text Mark at 404-664-4340 or email at mark@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---

Does the Gorton and Denton by-election result suggest Labour has been underestimating the threat of the Green Party? Is the UK's tuition fee system less like a loan and more like a punishing graduate tax? As America retreats from the world stage under Trump, could the UK seize the moment to reassert itself as a cultural superpower? Join Alastair and Rory as they answer all these questions and more. __________ Sign up ⁠⁠⁠⁠HERE⁠⁠⁠⁠ to the free TRIP newsletter. Join The Rest Is Politics Plus: Start your free trial at therestispolitics.com to unlock exclusive bonus content – including Rory and Alastair's miniseries – plus ad-free listening, early access to episodes and live show tickets, exclusive newsletters, discounted book prices, and a private chatroom on Discord. The Rest Is Politics is powered by Fuse Energy. To sign up and for terms and conditions, visit fuseenergy.com/politics. Get our exclusive NordVPN deal here ➼ nordvpn.com/restispolitics It's risk-free with Nord's 30 day money back guarantee ✅ __________ Instagram: ⁠⁠⁠@restispolitics⁠⁠⁠ Twitter: ⁠⁠⁠@restispolitics⁠⁠⁠ Email: ⁠⁠⁠therestispolitics@goalhanger.com⁠⁠⁠ __________ Social Producer: Emma Jackson Video Editor: James Clayden Assistant Producer: Daisy Alston-Horne Producer: Evan Green Senior Producer: Callum Hill General Manager: Tom Whiter Learn more about your ad choices. Visit podcastchoices.com/adchoices

Student loans and their impact on graduates' finances have dominated the news recently. The average student debt in England for 2024 graduates was approximately £53,000, with repayments being made when salaries hit a certain threshold set by the government.But, the finer details on who gets what and how it's all repaid varies vastly depending on when and where students study. Rules also differ vastly across the UK. Recent campaigns have highlighted 'Plan 2' loans which focused on students in England who studied between September 2012 and July 2023 and the Chancellor's decision to freeze the salary threshold for repayments on these loans for three years, which means some graduates will now have to pay even more.In this episode we'll discuss the rules for current students, past graduates, as well as how maintenance loans are worked out and what support might be available.Joining Felicity Hannah is Tom Allingham from student money website, Save the Student and Graham Wright from the University of the West of England Bristol and National Association of Money Advisors.Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle Senior Editor: Sara Wadeson(This episode was first broadcast on Wednesday the 4th of February 2026)

Bob talks with college admissions expert John Hupalo about Trump's latest battle.

If income-driven repayment flexibility matters to you, don't wait until summer 2026. Any federal loans disbursed on or after July 1, 2026, lose access to IBR, ICR, and PAYE. Because consolidation can take months to process, treat April 1, 2026 as your planning deadline. FREQUENTLY ASKED QUESTIONS What is changing with income-driven repayment? The One Big Beautiful Bill Act (OBBBA), signed July 4, 2025, restructures federal student loan repayment starting July 1, 2026. Loans disbursed on or after that date are limited to a new Standard Repayment Plan or the Repayment Assistance Plan (RAP). Legacy plans — IBR, ICR, and PAYE — will not be available for those loans. Are IBR, ICR, and PAYE going away entirely? Not immediately. Borrowers with loans disbursed before July 1, 2026, who take on no new loans after that date, can still enroll in or remain on IBR, ICR, or PAYE. That said, per NASFAA's bill analysis, borrowers on ICR or PAYE must move to IBR, a standard plan, or RAP by July 1, 2028 — otherwise they are automatically placed in RAP. IBR remains available for existing borrowers on an ongoing basis. Why does consolidation matter? Borrowers with FFEL loans, Perkins loans, or mixed federal portfolios often must consolidate into a Direct Consolidation Loan to access income-driven repayment at all. Under the OBBBA, that loan must be disbursed — not just applied for — by June 30, 2026. A consolidation disbursed on or after July 1, 2026 loses access to IBR, ICR, and PAYE, even for borrowers previously enrolled in those plans. Parent PLUS borrowers have an additional requirement: a consolidation loan used to pay off a Parent PLUS loan must enter repayment under ICR before July 1, 2026 to preserve later IBR eligibility. Why April 1? April 1 is not in the law — it's a practical safety deadline. Federal Student Aid encourages borrowers who need to consolidate to apply at least three months before July 1, 2026 to ensure disbursement clears by June 30. Three months back from July 1 is April 1. What counts as "disbursed"? Disbursement means the consolidation loan has been fully processed, the underlying loans paid off, and a new Direct Consolidation Loan officially issued. Submitting an application or receiving approval does not count if the actual disbursement occurs on or after July 1, 2026. Should everyone consolidate before April 1? No — consolidation is not automatically the right move. Consider the impact on interest capitalization, existing borrower benefits, and forgiveness timelines before acting. The goal isn't "everyone consolidate." It's everyone check. Log in to StudentAid.gov, review your loan types, and determine whether action is needed before the window closes. REFERENCES NASFAA (2026, January). Federal student aid changes from the One Big Beautiful Bill Act. https://www.nasfaa.org/uploads/documents/Federal_Student_Aid_Change_OB3.pdf U.S. Department of Education, Federal Student Aid. Big updates: Changes to federal student loan repayment. https://studentaid.gov/announcements-events/big-updates U.S. Congress (2025). H.R. 1 — One Big Beautiful Bill Act (119th Congress). https://www.congress.gov/bill/119th-congress/house-bill/1/text

In this Milestones to Millionaire episode, we follow the financial journey of a gynecologic oncologist navigating student loans, a high cost of living, and the long runway to physician wealth. We discuss what it looks like to build wealth while still carrying debt, how short-term sacrifices can support long-term financial stability, and whether becoming a doctor still makes financial sense in today's environment. This episode highlights the tradeoffs, patience, and intentionality required during the early and mid-career years of medicine. These are the kinds of real-world financial decisions many physicians face—but rarely talk about openly. If you're a high-income physician, you already know how hard you work for every dollar. The question is: how much are you actually keeping after taxes? Gelt is a tax firm focused on proactive tax strategy, guided by expert CPAs and optimized via in-house AI tools. They work with physicians and practice owners to use the tax code more intelligently so your structure, deductions, and planning help you keep more of what you earn. As a White Coat Investor reader, you can book a free strategy intro at https://joingelt.com and receive 10% off your first year with Gelt. It's time to start using your tax plan as a lever for growth. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones  Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

In this episode you will hear: Mark shares an outstanding recommended resource if you want to know how colleges shape their classes, something that selective private colleges are doing right now. Dr. Andrew Hoffman video Inside Class Shaping: How Elite Colleges Finalize Admissions Decisions Interview-Student Athlete Advisors-Part 1 of 4 o Katie Anderson gives us the history of the Student-Athlete Advisors and she shares her bio and she shares her soccer background o Joe Slater gives his bio, and he shares his baseball background o Amy Bryant gives her bio, and she gives her tennis and soccer background o Reid Meyer gives his background, and he shares his baseball background o Katie shares how Student-Athlete Advisors work and what they do o Reid shares some of the most recent changes that have occurred in the last five years when it comes to recruiting o Joe talks about the reallocation of scholarships that has changed recruiting o Katie talks about some of the differences between division 1, division 2, division 3 and NAIA and Joe adds some additional insights o Amy talks about the myth that division 3 is a lower level of athletics than D-1 or D-2 and she also talks about the difference between division 3 schools who give academic merit to attract students versus the ones who give no merit based and she points out the similarities between some academically elite D-1 conferences and Katie adds some more insights and she shares an outstanding recommended resource o Reid talks about how the testing requirements have changed for the eligibility center and he talks about the National Letter of Intent power is now managed by the colleges and Joe adds some additional insights o Amy and Katie talk about how having a good test score can still be helpful in the recruiting process Recommended Resources Colleges that allow self reporting of test scores Colleges that Allow Self-Reporting of SAT and ACT Scores Great source for questions about finances and college Edvisors: Financial Aid, Student Loans, Scholarships and Money Management FAFSA Walkthroughs Mark recommends Complete FAFSA 2026‑2027 Walkthrough | From Start to Submit 2023-2024 FAFSA Walkthrough Video English CSS PROFILE Walkthroughs CSS Profile Walkthrough MEFA Institute: A Deep Dive into the CSS Profile Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast. You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day. To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses. Check out our new blog. We write timely and insightful articles on college admissions: https://yourcollegeboundkid.com/category/blog/ 1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK. Please follow our podcast. It really helps us move up in Spotify and Apple's search feature so others can find our podcast. If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful! If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live. Check out the college admissions books Mark recommends: https://yourcollegeboundkid.com/recommended-books/ Check out the college websites Mark recommends: https://yourcollegeboundkid.com/recommended-websites/ If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link: https://docs.google.com/forms/d/e/1FAIpQLScCauBgityVXVHRQUjvlIRfYrMWWdHarB9DMQGYL0472bNxrw/viewform If you want a college consultation with Mark just text Mark at 404-664-4340 or email at mark@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

This episode Temi Alchémy, Fred Santana, & VP dive into student loan frustrations and the long-term impact of debt, before shifting into Fred's Bible study segment with reflections from Kings and faith in everyday life. The conversation also explores pre-colonial African history, identity and the power of traditional African names, sparking a deeper discussion about culture, heritage and reclaiming narratives.0:00 – Are Women the Worst Neighbours?7:30 – Children Disturbing the Peace19:30 – Fred's Vet Bills29:00 – Our Kids Are Cooked37:30 – Bible Study44:30 – Student Loans & Kier Starmer's Tax52:30 – Akan Day Names in Jamaica55:00 – Whitney vs Indiyah & BAFTA's Engagement Farming1:06:30 – Leave Arsenal Alone

Billions of pounds is lost each year to fraud, be that by criminals simply stealing someone's money or by thieves tricking victims into giving them their details before draining their bank accounts. It's a crime that is massively under-reported, with very low conviction rates too. To tackle this, a new agency's been created called 'Report Fraud'. It replaces the problematic "Action Fraud" which had been the place for victims to report fraud for over a decade. Paul Lewis interviews Chief Superintendent Amanda Wolf who's the Head of Report Fraud.There are calls for a cut in the interest rate on some student loans. In recent weeks some graduates have been saying they feel they were missold their loans, because they're only paying off interest on what they owe, despite high levels of payments. The Department for Education says that its making what it called "tough but fair" decisions to protect taxpayers and students. We'll discuss that with the Higher Education Policy Institute.There is growing pressure from charities and MPs for the government to introduce statutory regulation of the bailiff sector in England and Wales as a matter of urgency. Campaigners say it's about making sure people who are in debt aren't on the receiving end of bad practice form bailiffs breaking the rules.And half a million households on heat networks now have new protections when it comes to their heating bills.Presenter: Paul Lewis Reporters: Bisi Adebayo and Dan Whitworth Researcher: Niamh McDermott Editor: Jess Quayle(First broadcast on Radio 4 12pm Saturday 31st January 2026)

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Jocelyn Pearson. Purpose of the Interview The interview on Money Making Conversations Masterclass with Rushion McDonald and Jocelyn Pearson aimed to: Share Jocelyn’s journey of graduating debt-free by securing $126,350 in scholarships. Educate families on how to avoid student loan debt through her proven system, The Scholarship System. Dispel myths about scholarships and provide actionable steps for parents and students. Key Takeaways Scholarship System Approach Jocelyn developed a six-step process to simplify scholarship applications and avoid overwhelm. Focus on breaking the process into small, manageable steps rather than a vague “go get money” directive. Common Myths Debunked Too early or too late to apply: Start by junior year; it’s never too late—even college seniors can apply. Only perfect students or low-income families qualify: Many scholarships don’t require high GPA or athletic ability. All good scholarships are gone: Smaller, local scholarships ($500–$5,000) add up over time. It takes too much time: With a system and reusable materials, effort decreases each year. Avoiding Scholarship Scams Beware of “easy,” “enter to win,” or sweepstakes-style scholarships—they often sell personal data. Real scholarships require effort and personalization. Role of Parents Parents should help with planning and identifying legitimate scholarships but not complete applications for students. Committees can detect when parents write essays. AI in Scholarship Applications Jocelyn warns against copy-pasting AI-generated essays. Her platform introduced TESS, an AI assistant for ethical guidance and support. Financial Aid Basics Submit FAFSA even if you think you won’t qualify; some colleges and states require it. Combine all sources—government aid, institutional aid, and private scholarships. For Current College Students Check with financial aid offices, academic departments, and organizations for scholarships available after freshman year. Entrepreneurial Journey Jocelyn turned her passion into a business by starting with a book, building an email list, and launching webinars. She emphasizes persistence and ignoring naysayers. Notable Quotes “I had to accumulate my way to getting college paid for—the mere mortals’ way to going to college without tons of debt.” “Most families want scholarships, but they get stuck in the overwhelm.” “There’s no big red easy button—but with clear steps, it feels less daunting.” “We’re saying no to the broken system… It takes, on average, 21 years to pay off student loans.” “With great power comes great responsibility—AI can help, but only if used ethically.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Jocelyn Pearson. Purpose of the Interview The interview on Money Making Conversations Masterclass with Rushion McDonald and Jocelyn Pearson aimed to: Share Jocelyn’s journey of graduating debt-free by securing $126,350 in scholarships. Educate families on how to avoid student loan debt through her proven system, The Scholarship System. Dispel myths about scholarships and provide actionable steps for parents and students. Key Takeaways Scholarship System Approach Jocelyn developed a six-step process to simplify scholarship applications and avoid overwhelm. Focus on breaking the process into small, manageable steps rather than a vague “go get money” directive. Common Myths Debunked Too early or too late to apply: Start by junior year; it’s never too late—even college seniors can apply. Only perfect students or low-income families qualify: Many scholarships don’t require high GPA or athletic ability. All good scholarships are gone: Smaller, local scholarships ($500–$5,000) add up over time. It takes too much time: With a system and reusable materials, effort decreases each year. Avoiding Scholarship Scams Beware of “easy,” “enter to win,” or sweepstakes-style scholarships—they often sell personal data. Real scholarships require effort and personalization. Role of Parents Parents should help with planning and identifying legitimate scholarships but not complete applications for students. Committees can detect when parents write essays. AI in Scholarship Applications Jocelyn warns against copy-pasting AI-generated essays. Her platform introduced TESS, an AI assistant for ethical guidance and support. Financial Aid Basics Submit FAFSA even if you think you won’t qualify; some colleges and states require it. Combine all sources—government aid, institutional aid, and private scholarships. For Current College Students Check with financial aid offices, academic departments, and organizations for scholarships available after freshman year. Entrepreneurial Journey Jocelyn turned her passion into a business by starting with a book, building an email list, and launching webinars. She emphasizes persistence and ignoring naysayers. Notable Quotes “I had to accumulate my way to getting college paid for—the mere mortals’ way to going to college without tons of debt.” “Most families want scholarships, but they get stuck in the overwhelm.” “There’s no big red easy button—but with clear steps, it feels less daunting.” “We’re saying no to the broken system… It takes, on average, 21 years to pay off student loans.” “With great power comes great responsibility—AI can help, but only if used ethically.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Jocelyn Pearson. Purpose of the Interview The interview on Money Making Conversations Masterclass with Rushion McDonald and Jocelyn Pearson aimed to: Share Jocelyn’s journey of graduating debt-free by securing $126,350 in scholarships. Educate families on how to avoid student loan debt through her proven system, The Scholarship System. Dispel myths about scholarships and provide actionable steps for parents and students. Key Takeaways Scholarship System Approach Jocelyn developed a six-step process to simplify scholarship applications and avoid overwhelm. Focus on breaking the process into small, manageable steps rather than a vague “go get money” directive. Common Myths Debunked Too early or too late to apply: Start by junior year; it’s never too late—even college seniors can apply. Only perfect students or low-income families qualify: Many scholarships don’t require high GPA or athletic ability. All good scholarships are gone: Smaller, local scholarships ($500–$5,000) add up over time. It takes too much time: With a system and reusable materials, effort decreases each year. Avoiding Scholarship Scams Beware of “easy,” “enter to win,” or sweepstakes-style scholarships—they often sell personal data. Real scholarships require effort and personalization. Role of Parents Parents should help with planning and identifying legitimate scholarships but not complete applications for students. Committees can detect when parents write essays. AI in Scholarship Applications Jocelyn warns against copy-pasting AI-generated essays. Her platform introduced TESS, an AI assistant for ethical guidance and support. Financial Aid Basics Submit FAFSA even if you think you won’t qualify; some colleges and states require it. Combine all sources—government aid, institutional aid, and private scholarships. For Current College Students Check with financial aid offices, academic departments, and organizations for scholarships available after freshman year. Entrepreneurial Journey Jocelyn turned her passion into a business by starting with a book, building an email list, and launching webinars. She emphasizes persistence and ignoring naysayers. Notable Quotes “I had to accumulate my way to getting college paid for—the mere mortals’ way to going to college without tons of debt.” “Most families want scholarships, but they get stuck in the overwhelm.” “There’s no big red easy button—but with clear steps, it feels less daunting.” “We’re saying no to the broken system… It takes, on average, 21 years to pay off student loans.” “With great power comes great responsibility—AI can help, but only if used ethically.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Francesca Chang is a lawyer, former travel blogger, and entrepreneur who sued the U.S. Department of Education to discharge nearly $260,000 in student loan debt. In this episode, Francesca shares what it was like to declare bankruptcy, represent herself pro se, and fight for relief in a system with a historic 0.1 percent success rate.Lawyer Side HustlesBefore pursuing bankruptcy relief, Francesca built multiple careers outside traditional practice. From legal marketing to entrepreneurship to travel blogging in Taiwan, she consistently followed alignment over expectation.“Don't let the debt keep you strapped to something you don't want to do,” Francesca Chang expresses in Episode 233 of You Are a Lawyer.Her journey reflects the broader YAAL theme that a law degree is a tool, not a cage. Whether building businesses abroad or litigating pro se against the Department of Education, Francesca's path demonstrates that lawyers can redefine success on their own terms.This episode is produced by Skip the Boring Stuff, a podcast strategy company for business owners and creatives.

As the dust settles on the government's landmark changes to children's special educational needs and disabilities provision, what will their impact really be on young people, their families and schools? John Harris and Kiran Stacey look at what we know so far. And, a growing backlash from graduates over student loan payments, led by the influential consumer champion Martin Lewis, is causing a headache the government was not anticipating. Why did they overlook this and what changes could be made?. Help support our independent journalism at theguardian.com/politicspod

Is there an economic cost to falling net-migration? Will there be another government U-turn on student loans? And does Andrea Jenkyns' blue box look more like a biscuit tin? Hugo unpacks the politics of the day with Matthew Parris and Juliet Samuel. Hosted on Acast. See acast.com/privacy for more information.

Starmer promises to look at making student loans 'fairer', assisted dying on Welsh NHS a step closer, and the Met apologise to commons speaker for sharing Mandelson tip-off

The main topic this week is all about your energy bills. It's the biggest shakeup to energy bills for a few years. All bills are coming down on 1 April, not just the price cap, fixes & others too. So whether you're on prepay, direct debit, with an EV or more then Martin explains how you make the most of itMartin also explains Plan 2 student loans, there's talk the government may be about to change policy, so what are the options and how does it work.The Tell us this week is about what you learnt when you retired that you would now tell others in advance.And this week's Mastermind is all on inheritance tax, we've buried a few important tips in there on it too.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you've always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

Political Editor at the New Zealand Herald Thomas Coughlan joins Emile Donovan.

In this episode of the Whitehall Sources Podcast, Calum Macdonald and political strategist Jo Tanner break down one of the most unpredictable by-elections in recent years — a potential three-way fight between Labour, Reform, and the Greens in Gorton and Denton. Calum and Jo are joined by Scarlett McGuire, founder of Merlin Strategy, to break down the political implications of the vote. They discuss the political make up of the constituency, how tactical voting could sway the vote and whether the first-past-the-post electoral system will be able to cope with up to 6 major parties in play in different parts of the UK. If you want to find out more about the candidates for the Gorton and Denton by-election, taking place on Thursday 26th February, follow this link: https://www.bbc.co.uk/news/articles/crkrpgvkd0noCalum and Jo also discuss that Good Morning Britain spat between Martin Lewis and Kemi Badenoch and ask if the current student loan system is in fact a 'debt trap'. Connect with us:

Ava, Laura, and Seán sit down after PMQs to make sense of Keir Starmer's claims that the country is on the up and up, even though nobody feels it.Subscribe to How to Rebuild Britain now: https://linktr.ee/howtorebuildbritain Hosted on Acast. See acast.com/privacy for more information.

Today on the show - why are so many concerned about Student Loans and the latest changes to them? Does it make sense for parents to pay their children’s university costs - or keep their money invested instead? Ed Monk is joined by Andrew Oxlade to provide a well-balanced take on the latest financial developments together with expert insights to help you grow your capital, manage your investment portfolio and make the most of the money markets. Popular for its jargon-free approach, clear analysis and fresh perspective, The Personal Investor podcast helps shine a light on the latest market developments for the savvy UK investor.See omnystudio.com/listener for privacy information.

The loan bill hits before your handpiece warms up—and it's bigger than your first apartment. We sat down with Dr. Alan Mead of the Very Dental Podcast to unpack the sticker shock of modern dental education, the real math behind associate versus owner income, and how to build skills that actually move your take-home. No five-step frameworks, just honest stories, practical tactics, and plenty of laughs to keep it human.We start with the big question: is dentistry still worth it when new grads face $4–5k monthly payments? From there, we break down the critical early decisions—whether to chase ownership for upside or remain an associate and become indispensable. You'll hear why leadership and communication pay as well as implants and endo, how to structure CE so it pays you back, and what case selection looks like when you need wins fast. We also talk about DSOs: why they can accelerate skill development and production, and how to spot the burnout traps before they grind your spark into dust.Skill building is a theme throughout: stacking meaningful repetitions, documenting questions in real time, and cornering instructors until ambiguity dies. We share the value of curation—picking a clear clinical lane, aligning your systems and team, and letting focus become your competitive edge. Along the way, we swap dental school war stories, joke about dentists opening doomed restaurants, and remind ourselves that humor is a survival skill when the numbers get heavy.Whether you're a new dentist staring down a $500k note or a seasoned clinician wondering if ownership still makes sense, you'll leave with a clearer playbook: pick a lane, get the reps, invest in communication, and let the value drive the income. If you're ready to design a practice that buys back your time and sanity, subscribe, share this episode with a colleague, and leave us a review—then book a strategy call at dentalpracticeheroes.com/strategy.Join us for Free Live Trainings and Community Discussion in the DPH Hero Collective on the DPH App.  Click Here to Join! Take Control of Your Practice and Your Life We help dentists take more time off while making more money through systematization, team empowerment, and creating leadership teams. Ready to build a practice that works for you? Visit www.DentalPracticeHeroes.com to learn more.

If your student loan payment is tied to your income, your tax return isn't just paperwork — it's part of your repayment strategy. Listen to a live tax webinar we did with Sim Terwilliger, CFP®, CSLP®, Director of Tax at SLP Wealth, as we share the biggest mistakes we're seeing this season, especially around married filing separately, community property states, and backdoor Roth IRAs — plus when filing an extension can legitimately save you real money on income-driven repayment. If you're navigating forgiveness, IDR, or just trying not to overpay Uncle Sam, this one's for you. Key moments: (02:09) Married filing separate vs. joint: when it lowers payments (08:29) The top mistake: Backdoor Roth errors that trigger penalties (20:37) Niche tax savings under RAP plan, managing AirBnbs, and passive income (35:31) The new SALT cap changes and who benefits   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

In this episode you will hear: Mark shares a way students can save tens of thousands of dollars off of their college bill that many people do not know about Elena Hicks, the Assistant Vice Provost and Dean of Admissions at SMU, helps us to understand Southern Methodist University (SMU) in this three-part series. Mark shares 17 impressions he has of SMU and Elena comments on whether she feels they are correct. Part 3 of 3 Preview of Part 3 ¨ Mark shares impressions 14-17 he has of SMU, and Elena comments on whether she agrees or disagrees. Elena amplifies the points with some additional commentary. ¨ Elena tells us how SMU is different from their rival school, her alma mater, a place she worked at for 11 years, TCU ¨ Elena opens up and shares two of SMU's institutional priorities ¨ Elena shares some of the important things in the admissions rubric that SMU uses in their student evaluation when reading an admissions file ¨ Next, Elena goes on the hot seat in our lightning round • Finally, Mark closes with a big announcement about Elena that I am excited about ¨ Recommended Resources Colleges that allow self reporting of test scores Colleges that Allow Self-Reporting of SAT and ACT Scores Great source for questions about finances and college Edvisors: Financial Aid, Student Loans, Scholarships and Money Management FAFSA Walkthroughs Mark recommends Complete FAFSA 2026‑2027 Walkthrough | From Start to Submit 2023-2024 FAFSA Walkthrough Video English CSS PROFILE Walkthroughs CSS Profile Walkthrough MEFA Institute: A Deep Dive into the CSS Profile Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast. You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day. To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses. Check out our new blog. We write timely and insightful articles on college admissions: https://yourcollegeboundkid.com/category/blog/ 1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK. Please follow our podcast. It really helps us move up in Spotify and Apple's search feature so others can find our podcast. If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful! If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live. Check out the college admissions books Mark recommends: https://yourcollegeboundkid.com/recommended-books/ Check out the college websites Mark recommends: https://yourcollegeboundkid.com/recommended-websites/ If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link: https://docs.google.com/forms/d/e/1FAIpQLScCauBgityVXVHRQUjvlIRfYrMWWdHarB9DMQGYL0472bNxrw/viewform If you want a college consultation with Mark just text Mark at 404-664-4340 or email at mark@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

A federal policy change could quietly reshape the future of the Physician Associate profession — and most clinicians don't even know it's happening.In this urgent advocacy episode, Tracy sits down with Jen Campbell, PA-C, cardiology PA, PA supervisor, and current president of the Pennsylvania Society of Physician Associates (PSPA), to break down what a proposed Department of Education rule could mean for PA students, future clinicians, and patient access to care.At the center of the issue is a redefinition of what counts as a “professional program.” If PAs are excluded from that definition, graduate loan limits could drop to $25,000 each year and a lifetime cap of $100,000, making PA school financially inaccessible for many students — especially first-generation, rural, and lower-income applicants.This isn't just a student issue. It's a workforce issue. A patient care issue. A healthcare access issue.And the most important part?There is still time to act. **Comment period ends on March 2nd**What the proposed federal rule actually says (plain-English breakdown)Why the definition of “professional degree” mattersHow loan caps could limit access to PA schoolWho will be most affected — and why that matters for patient careThe link between education access and clinician shortagesHow individual clinicians can influence policy (yes, you)Real steps you can take today to advocate for the professionIf fewer students can afford PA school → fewer clinicians graduate → patient access declines.Policies like this don't just affect training.They shape the future of healthcare delivery.If you only act on one advocacy issue this year — make it this one.Ways to help:Submit a public comment to federal regulators HERE: https://www.regulations.gov/commenton/ED-2025-OPE-0944-0001  Contact your representative or senator using www.5Calls.org Educate colleagues who haven't heard about this yet - SHARE this episode widely! Advocacy doesn't require a title.It requires a voice.Jen Campbell, PA-CCardiology Physician AssociatePA Supervisor managing 25 APPs across four hospitalsPresident, Pennsylvania Society of Physician Associates (PSPA)Advocate for clinician workforce sustainability and education accessConnect with Jen on LinkedIn or through PSPA to learn more about current advocacy initiatives.Physician Associate advocacy, PA student loans, Department of Education rule, graduate loan limits, healthcare workforce shortage, PA school cost, federal loan policy, healthcare legislation, clinician advocacy, PA profession future, PSPA president interview, AAPA advocacy, healthcare access policy, student loan reform healthcare, federal rulemaking healthcare education.You don't have to be a policy expert to change policy.You just have to speak.What You'll LearnWhy This Matters

Curious? Watch Our Money Makeover Bootcamp!Ready? Buy Our Simplified Budget System Now!Amanda joined us to talk through a super relatable moment: they've built a solid budgeting system… and now the question is what to do with a big, scary student loan balance once the car is paid off. Add in military life + possible paycheck disruptions, and you've got a perfect “real life” money crossroads.The best part? Amanda's already doing the work—multiple spending accounts, savings buckets, paycheck-ahead living—and it literally protected their family during a potential shutdown pay delay. Budget bestie win of the year.

Student loans have been a source of stress for many of us—but with recent policy changes, shifting repayment requirements, and proposed funding cuts to certain graduate programs, that stress has reached a new level. From confusion about repayment restarting, to fears about forgiveness programs disappearing, to conversations about “reclassifying” degrees like nursing, psychology, and social work, there’s a lot of information circulating—and not all of it is accurate. To help us sort through what’s really happening and what we can actually do about it, I’m joined by Dr. Sonia Lewis, also known as The Student Loan Doctor. Dr. Lewis is a financial expert who has helped tens of thousands of borrowers navigate repayment, forgiveness, and financial strategy. About the Podcast The Therapy for Black Girls Podcast is a weekly conversation with Dr. Joy Harden Bradford, a licensed Psychologist in Atlanta, Georgia, about all things mental health, personal development, and all the small decisions we can make to become the best possible versions of ourselves. Resources & Announcements Want to reflect on this conversation in community? Join us inside our Patreon community where we’re unpacking this episode together. You can now catch episodes of the Therapy for Black Girls podcast on YouTube. Be sure to subscribe to get new episodes every week. Did you know you can leave us a voice note with your questions for the podcast? If you have a question you'd like some feedback on, topics you'd like to hear covered, or want to suggest movies or books for us to review, drop us a message at memo.fm/therapyforblackgirls and let us know what’s on your mind. We just might share it on the podcast. Grab your copy of Sisterhood Heals. Where to Find Our Guest Instagram Website Student Loan Forgiveness Form & Info Stay Connected​ Is there a topic you'd like covered on the podcast? Submit it at therapyforblackgirls.com/mailbox. If you're looking for a therapist in your area, check out the directory at https://www.therapyforblackgirls.com/directory. Grab your copy of our guided affirmation and other TBG Merch at therapyforblackgirls.com/shop. The hashtag for the podcast is #TBGinSession. Make sure to follow us on social media: Instagram: @therapyforblackgirls Facebook: @therapyforblackgirls Our Production Team Executive Producers: Dennison Bradford & Gabrielle Collins Director of Podcast & Digital Content: Ellice Ellis Producers: Tyree Rush & Ndeye Thioubou See omnystudio.com/listener for privacy information.

Real Estate Expert & Best-Selling Author, Gerald Lucas discusses whether you can secure a mortgage loan if you have student loans.

Author Daisy Verduzco Reyes discusses the article, "How the Student Loan Repayment Pause Increased Latinx Borrowers' Agency and Diversified Their Spectrum of Emotions" published in Socius: Sociological Research for a Dynamic World.

Student Loans and Death - Who's Responsible?

Attorney Rae Kaplan of Kaplan Law Firm joins Jon Hansen on Your Money Matters to discuss the impending student loan cliff, emphasizing the urgency for action by May due to extended processing times at the Department of Education.

In this episode you will hear: Mark does a two-part series that looks at outside of external scholarships. Mark answers the question, what are the nine reasons why so many students do not apply for external scholarships in part 1. In part 2, on Episode 614, Mark gives tips for how to win outside scholarships. Elena Hicks, the Assistant Vice Provost and Dean of Admissions at SMU, helps us to understand Southern Methodist University (SMU) in this three-part series. Mark shares 17 impressions he has of SMU and Elena comments on whether she feels they are correct. Preview of Part 2 ¨ Mark shares impressions 4-10 he has of SMU, and Elena comments on whether she agrees or disagrees. Elena amplifies the points with some additional commentary. Recommended Resources Colleges that allow self reporting of test scores Colleges that Allow Self-Reporting of SAT and ACT Scores Great source for questions about finances and college Edvisors: Financial Aid, Student Loans, Scholarships and Money Management FAFSA Walkthroughs Mark recommends Complete FAFSA 2026‑2027 Walkthrough | From Start to Submit 2023-2024 FAFSA Walkthrough Video English CSS PROFILE Walkthroughs CSS Profile Walkthrough MEFA Institute: A Deep Dive into the CSS Profile Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast. You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day. To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses. Check out our new blog. We write timely and insightful articles on college admissions: https://yourcollegeboundkid.com/category/blog/ 1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK. Please follow our podcast. It really helps us move up in Spotify and Apple's search feature so others can find our podcast. If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful! If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live. Check out the college admissions books Mark recommends: https://yourcollegeboundkid.com/recommended-books/ Check out the college websites Mark recommends: https://yourcollegeboundkid.com/recommended-websites/ If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link: https://docs.google.com/forms/d/e/1FAIpQLScCauBgityVXVHRQUjvlIRfYrMWWdHarB9DMQGYL0472bNxrw/viewform If you want a college consultation with Mark just text Mark at 404-664-4340 or email at mark@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

Many of the 5.8 million Brits who took out a Plan 2 student loan over the past decade are now facing astonishing levels of debt, and the government's latest salary threshold freeze will nudge more graduates into repaying more than ever. So, is it high time the system had a shake up?In this episode, host Tamara Kormornick speaks to The Standard's editor of the Londoner's Diary and features writer, Claudia Cockerell, to discuss recent controversies around the student loans system, and untangle the soaring interest rate levels on repayment plans. Plus, Tamara speaks to the founder of Rethink Repayment, Oliver Gardner, who is calling on the government to reform student loan repayment plans to make the system work better for graduates — and the economy. Hosted on Acast. See acast.com/privacy for more information.

"It's just expensive to do it these days." Connect With Our SponsorsGreyFinch - https://greyfinch.com/jillallen/A-Dec - https://www.a-dec.com/orthodonticsSmileSuite - https://getsmilesuite.com/ Summary In this episode of Hey Docs!, Jill Allen and Matt Kroeker discuss the current state of lending in the healthcare industry, particularly for young doctors looking to start or acquire orthodontic practices. They explore the importance of financial preparation, the evaluation process for existing practices, and the rising costs associated with starting a new practice. Matt emphasizes the need for young doctors to build a strong support team and to understand the allocation of loan funds. The discussion also highlights the importance of saving and being financially prudent to ensure success in practice ownership. Connect With Our Guest Matt Kroeker - https://sbbankers.bankofamerica.com/matthew-kroekerTakeaways Matt Kroeker has 15 years of experience at Bank of America focusing on healthcare lending.The lending landscape is currently stable with increased loan amounts for startups.Young doctors should focus on financial preparation during their education.Credit card debt can significantly impact future borrowing capabilities.Having savings set aside is crucial for new practice owners.Evaluating existing practices involves analyzing actual financials and cash flow.Startup loans often have a graduated payment structure to ease financial pressure.Building a strong support team is essential for success in practice ownership.Construction and technology costs have significantly increased for new practices.It's important to understand how loan funds will be allocated in a startup.Chapters 00:00 Introduction03:30 Current Lending Environment06:06 Financial Advice for Young Doctors10:31 Evaluating Practice Purchases13:58 Markers for a Healthy Practice17:00 Balancing Practice Purchase with Additional Workl20:39 The Importance of a Supportive Team23:41 Discussing Startup Costs and Loan Structures26:17 The Reality of Startup Loans and Financial Flexibility31:56 The Importance of Financial Planning and Safety Nets34:35 Final Thoughts on Acquisitions vs. Startups36:24 Contact Info Episode Credits:  Hosted by Jill AllenProduced by Jordann KillionAudio Engineering by Garrett LuceroAre you ready to start a practice of your own? Do you need a fresh set of eyes or some advice in your existing practice?Reach out to me- www.practiceresults.com.    If you like what we are doing here on Hey Docs! and want to hear more of this awesome content, give us a 5-star Rating on your preferred listening platform and subscribe to our show so you never miss an episode.    New episodes drop every Thursday!   

Should the government consider implementing a graduate tax to make the tuition repayment system fairer? What did Jim Ratcliffe get wrong about immigration in the UK? And do we need to get serious about carbon capturing? Giles Whittell is joined by The Observer's Andrew Butler, Ada Barumé and James Tapper as they battle it out to see who can pitch the story that should lead the news.Join us at the next The News Meeting Live on Thursday, the 26th of February: https://observer.co.uk/our-events/the-news-meeting-live-8 **We want to hear what you think! Email us at: newsmeeting@observer.co.uk Follow us on Social Media: @ObserverUK on X @theobserveruk on Instagram and TikTok@theobserveruk.bsky.social‬ on bluesky Host: Giles Whittell Producer: Casey Magloire Executive Producer: Matt Russell and Jasper Corbett To find out more about The Observer:Subscribe to TheObserver+ on Apple Podcasts for early access and ad-free contentHead to our website observer.co.uk Download the Observer app – for a listening experience curated by our journalists Hosted on Acast. See acast.com/privacy for more information.

In this episode you will hear: Mark does a two-part series that looks at outside of external scholarships. Mark answers the question, what are the nine reasons why so many students do not apply for external scholarships in part 1. In part 2, on Episode 613, Mark gives tips for how to win outside scholarships. Elena Hicks, the Assistant Vice Provost and Dean of Admissions at SMU, helps us to understand Southern Methodist University (SMU) in this three-part series. Mark shares 17 impressions he has of SMU and Elena comments on whether she feels they are correct. Preview of Part 1 ¨ Elena gives her backstory of how she started at TCU as a student and leader of the tour guide program to prep school admissions and other college roles and then back to Texas at SMU ¨ Elena gives us an overview of SMU ¨ Elena answers the question, how would you explain SMU to a stranger ¨ Elena, answers the question, what would you say to a student who says, I am not southern and I am not Methodist, so why should I go to SMU ¨ Elena answers the question, what is it in the SMU mission statement that really reflects who SMU is? ¨ Friends, for the rest of the interview I use a new approach I am using to interviewing senior admissions personnel; I share 17 different impressions I have about SMU, either from my own visits and observations, or from talking to SMU Admissions officers over the years, but mostly from listening to my students who are at SMU now or have graduated from SMU over the years, so for the rest of this interview, this is what I do. I hope you like my new approach to doing these interviews, for the rest of part 1, I share the first 4 of these impressions, and I ask Elena if she disagrees or agrees, and to elaborate on my perceptions of SMU, so listen and enjoy Recommended Resources Colleges that allow self reporting of test scores Colleges that Allow Self-Reporting of SAT and ACT Scores Great source for questions about finances and college Edvisors: Financial Aid, Student Loans, Scholarships and Money Management FAFSA Walkthroughs Mark recommends Complete FAFSA 2026‑2027 Walkthrough | From Start to Submit 2023-2024 FAFSA Walkthrough Video English CSS PROFILE Walkthroughs CSS Profile Walkthrough MEFA Institute: A Deep Dive into the CSS Profile Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast. You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day. To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses. Check out our new blog. We write timely and insightful articles on college admissions: https://yourcollegeboundkid.com/category/blog/ 1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK. Please follow our podcast. It really helps us move up in Spotify and Apple's search feature so others can find our podcast. If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful! If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live. Check out the college admissions books Mark recommends: https://yourcollegeboundkid.com/recommended-books/ Check out the college websites Mark recommends: https://yourcollegeboundkid.com/recommended-websites/ If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link: https://docs.google.com/forms/d/e/1FAIpQLScCauBgityVXVHRQUjvlIRfYrMWWdHarB9DMQGYL0472bNxrw/viewform If you want a college consultation with Mark just text Mark at 404-664-4340 or email at mark@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

Why the Math Doesn't Work: How Student Loan Debt Hits Therapists Harder Than Other Professions – An Interview with Mick MacLaverty Student loan debt affects nearly every corner of the mental health field, but for therapists, the numbers often don't add up. In this episode, Curt Widhalm and Katie Vernoy talk with student loan expert Mick MacLaverty about why therapists carry disproportionately high debt, how inconsistent income makes repayment especially difficult, and the structural factors in higher education and healthcare that created this imbalance. Mick explains how federal student loan policies have evolved, why forgiveness programs have become politically volatile, and what therapists need to understand about repayment options, refinancing, and employer-based student loan benefits. This conversation offers clarity on an issue that directly impacts career sustainability, burnout, and long-term financial health. About the guest:Mick MacLaverty is the CEO and co-founder of Highway Benefits, a company that helps employers offer student loan repayment as a benefit. He has spent thousands of hours researching the student debt crisis and works closely with healthcare and therapy-adjacent organizations to help employees reduce long-term loan burden. Key takeaways for therapists: Therapists often graduate with significantly more student loan debt than the average worker. Income instability makes consistent monthly repayment especially challenging. Student loan debt is driven by structural issues in education and healthcare, not individual failure. Federal loan policies and forgiveness programs can be confusing and politically driven. Employer-based student loan repayment benefits can meaningfully reduce debt and interest over time. Full show notes and transcript:https://mtsgpodcast.com Join the community: Patreon: https://www.patreon.com/c/mtsgpodcast Facebook group: https://www.facebook.com/groups/therapyreimagined Credits: Voice Over by DW McCann Music by Crystal Grooms Mangano

Student loans can feel overwhelming. Repayment plans change, headlines create confusion, and it's hard to know what actually applies to your situation or what to do next. In this episode, student loan expert Robert Farrington breaks down what's really happening with student loans right now, what borrowers need to pay attention to, and how to take strategic action instead of staying stuck. We also talk about his journey building a successful media business from the ground up, what he'd repeat, what he'd change, and what he believes matters most if you want to build something that lasts.  Robert is a student loan expert and the founder of The College Investor, a leading news organization focused on the intersection of personal finance and education.  https://milmo.co/podcast/state-of-student-loans For more MILMO, follow at: MILMO.co ItsMILMO on YouTube @itsmilmo on X @itsmilmo Instagram @itsmilmo LinkedIn @itsmilmo Facebook  

In this follow-up episode, we zoom out and talk about the bigger picture of helping kids move into adulthood without being buried under student debt. Kelly returns to share why college should be treated as a financial decision, not an emotional one — and why choosing a school based on the prettiest campus, best food, or football team can be a costly mistake. We talk about evaluating the return on investment, choosing schools that accept dual enrollment and AP credits, and why her daughter attended a local school that fit the plan. We also discuss alternatives that don't get talked about enough: trade schools, gap years, and going to college part-time while figuring out direction. If a student doesn't know what they want to do yet, pushing them straight into full-time college can lead to major-jumping, dropping out, and still owing loans — which helps no one. Kelly and I also dive into some hard but necessary questions for parents: Do your kids really want to go to college — or do you want them to? And why? We talk about how giving students time, ownership, and even their own money on the line often makes them more motivated to finish. We wrap up with practical advice on starting these conversations early, helping kids build strong resumes, track test scores and activities, and gather references — plus how to connect with Kelly if you want help guiding your own family through this process. This episode is about giving your kids freedom, not financial chains.   Related Episodes: 78 - How to Find $10,000 in Scholarship Opportunities in an Hour a Week 172 - 3 Ways to Search and Find the Scholarships Specific To You 173 - She Paid Off $20,000 in Student Loans in a Few Months, Before Ever Paying Any Interest! Learn How You Can Too (:   More about Kelly: I'm the owner of Eleven 14 Financials and a certified Ramsey Financial Coach. My passion is to educate, encourage and empower parents and students to take control of their financial future. By being proactive and starting early, they learn to change the direction of how they can attend higher education. By avoiding debt, it sets them up to create a solid financial foundation.   Website: www.Eleven14Financials.com Email: eleven14financials@outlook.com FB: www.facebook.com/eleven14finacials IG: @eleven_14_financials    P.S. Join me on... Facebook --> Christian College Girl Community ~ Scholarships & Graduate Debt-Free | Facebook Instagram --> @moneyandmentalpeace Email --＞ info@moneyandmentalpeace.com   **Get scholarships and pay for college without student loans!**   Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money?   Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free!   Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!)   During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS.   But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side.   ... and I'm here to walk you through this, too.   If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you!   So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.

In this episode you will hear: Jennifer Mandel, a college counselor with Mark at School Match 4U, joins Mark to discuss her thoughts on whether Parent College Facebook groups are helpful or toxic? Jen has been involved in three different groups, at three different colleges in three different states. Peter Pitts interview-Part 3 of 3 · Peter highlights overlooked benefits of small colleges. ¨ I ask Peter what a student should do if they visit a college and they link it is too small. ¨ Peter and I discuss how size can't only be judged by the number of students ¨ Peter shares one thing he wants listeners to know that we haven't discussed very much ¨ Peter goes on the hotseat ¨ After the interview I think of an important question, so I email Peter and he responds, the question is one I am sometimes asked by parents-What do I say to the parent who says to me, I don't want my student to go through the rest of their lives explaining to people where they went to college because no one has heard of it-you have to hear how Peter answers this question Recommended Resources Colleges that allow self reporting of test scores Colleges that Allow Self-Reporting of SAT and ACT Scores Great source for questions about finances and college Edvisors: Financial Aid, Student Loans, Scholarships and Money Management FAFSA Walkthroughs Mark recommends Complete FAFSA 2026‑2027 Walkthrough | From Start to Submit 2023-2024 FAFSA Walkthrough Video English CSS PROFILE Walkthroughs CSS Profile Walkthrough MEFA Institute: A Deep Dive into the CSS Profile Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast. You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day. To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses. Check out our new blog. We write timely and insightful articles on college admissions: https://yourcollegeboundkid.com/category/blog/ 1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK. Please follow our podcast. It really helps us move up in Spotify and Apple's search feature so others can find our podcast. If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful! If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live. Check out the college admissions books Mark recommends: https://yourcollegeboundkid.com/recommended-books/ Check out the college websites Mark recommends: https://yourcollegeboundkid.com/recommended-websites/ If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link: https://docs.google.com/forms/d/e/1FAIpQLScCauBgityVXVHRQUjvlIRfYrMWWdHarB9DMQGYL0472bNxrw/viewform If you want a college consultation with Mark just text Mark at 404-664-4340 or email at mark@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

What does it actually look like when a parent and student commit to graduating college debt-free? In this episode, I sit down with Kelly, a mom and financial advisor who is actively helping her daughter go through college without student loans. We talk through the real conversations that had to happen early — including the moment they decided she would not take student loans — and how having a clear plan changed everything. From a parent's perspective, Kelly shares how being intentional, getting on the same page as a family, and involving her daughter directly in the process made all the difference. We also break down practical steps like getting a job during college, contributing to her own 529 account, and finding campus jobs that allow students to get paid while doing homework. You'll also hear simple explanations of what a 529 account is, how compound interest works, parent loans, and how it compares to a high-yield savings account — all in plain English. If you're a parent, a student, or both, this episode will help you understand how to get started with a real-life debt-free college plan. LET'S GOOOOOO!   Related Episodes: 78 - How to Find $10,000 in Scholarship Opportunities in an Hour a Week 172 - 3 Ways to Search and Find the Scholarships Specific To You 173 - She Paid Off $20,000 in Student Loans in a Few Months, Before Ever Paying Any Interest! Learn How You Can Too (:   P.S. Join me on... Facebook --> Christian College Girl Community ~ Scholarships & Graduate Debt-Free | Facebook Instagram --> @moneyandmentalpeace Email --＞ info@moneyandmentalpeace.com   **Get scholarships and pay for college without student loans!**   Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money?   Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free!   Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!)   During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS.   But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side.   ... and I'm here to walk you through this, too.   If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you!   So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.

Today we talk to a PA who paid off $155,000 of student loans in just 16 months, entirely on her own. She did it by cutting expenses, living like a resident, and staying focused on rapid debt payoff. Along the way, she built an app to help herself stay organized and motivated, which later became a tool she could share with others. Most importantly, she explains why paying off debt quickly was not just a financial decision, but a key strategy for preventing burnout and protecting her long-term well-being. Arden's Budgeting Resource: https://shesfinanciallyfree.com/starterkit  If you're a high-income physician, you already know how hard you work for every dollar. The question is: how much are you actually keeping after taxes? Gelt is a tax firm focused on proactive tax strategy, guided by expert CPAs and optimized via in-house AI tools. They work with physicians and practice owners to use the tax code more intelligently so your structure, deductions, and planning help you keep more of what you earn. As a White Coat Investor reader, you can book a free strategy intro at joingelt.com and receive 10% off your first year with Gelt. It's time to start using your tax plan as a lever for growth. https://www.whitecoatinvestor.com/gelt Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones  Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #259 02:34 PA Pays Off Student Loans in 16 Months 11:48 Pushing Through Difficulty 20:22 Financial Boot Camp: What is a Bond?

For student loan borrowers, the past few years have felt like whiplash. From the fallout of the Biden-era SAVE plan to policies in the Trump administration's One Big Beautiful Bill Act, the federal financial aid system is getting an overhaul this year. On today's show, founder and president of The Institute of Student Loan Advisors Betsy Mayotte joins Kimberly to break down what borrowers need to know about the major changes coming to federal student loans in 2026.