I disagree never Lease pay cash for it. Take the money that they would’ve been spending on the monthly lease or car payment and they can put that into a targeted savings account to pay cash for their next vehicle or to maintain their vehicle without the credit card debt or they could take that average car payment and eliminate some other debt. Drive used and pay cash for nicer car with money saved back each month. If you can’t pay cash you can’t afford it! Never lease anything that depreciates

I’m so glad that 10 years ago my friend shared with us a financial literacy program and two years ago that we launched away for people to pay for every day shopping without the credit cards, and that we pay a percentage of that interest and inflation back to the people who needed the most! Pay cash you don’t need credit it’s number one pipeline from the banks!

I’m so glad that 10 years ago my friend shared with us a financial literacy program and two years ago that we launched away for people to pay for every day shopping without the credit cards, and that we pay a percentage of that interest and inflation back to the people who needed the most

Thanks for doing these podcasts! Very helpful information 😊

Online Layaway for spending, and previous education for Gen Z

I am completing the PSLF for a 10 year. For forgiveness. I was previously on the SAVE plan which is now in forbearance. Will these months that I am in forbearance count towards the 120 qualifying payments?

That's why the rich cronies get in office and the poor don't. 😮

Informative episode. Thank you for hitting this specific questions.

Biden didn't do you guys any favors. I hope youve been careful with your money.

I just did the double parent plus loan consolidation, is it still possible to apply for the loan forgiveness ? The application is under my name, but filing married jointly. If my husband and i file taxes separately, can the loan be transferred to him. Since he’s retired and make less than me?

thanks for taking my question (minute 42ish) re: parent plus loan and SAVE/IDR limbo for several months - much appreciated

Ain’t no politician getting in trouble for it

They could but they don’t lol, Nancy pelosi, enough said

What would happen if someone consolidated before June 30, but the IDR SAVE application is on pause due to the lawsuit, so the borrower is still on a standard repayment plan. Will the adjustment ever get applied?

Can you can clarify if we're on the save plan, do you think forbearance will last until Oct 1st or longer. When do you suspect interests to restart? Would be nice if I had a few dollars not going towards interests. Thank you so much.

I’m retiring and have close to $3k in parent student loans is there anyway out of this for me??

I listen to Travis at no slower than 2x 😄

I've just received an email from Nelnet stating that I need to make payments on the standard repayment plan until my IDR application has been reviewed :( I read the other day on studentaid.gov that while applications were pending, that the loans would be in forbearance. Oh god...

Well, yesterday, my count was updated to 120 met! My pslf was submitted in July! Now, I'm waiting to see the loans gone! It's been a long waiting, and I struggle with patience.

Yes ! Loan was consolidated. Thank you ! Is there any way to reduce principal balance and monthly payment amount? Thanks again !

I would qualify for 120 payments after this month Oct but am in the SAVE forbearance currently. Should I switch to IBR or not and try to do PSLF buyback instead? Loan payments and employment certification is so back logged none of it is up to date on student loan website. Do I have to wait until they update all that to submit the buyback request?

Can we submit questions for next time? I have a question no one has answered

If those of us on SAVE are put back into REPAYE or PAYE, does the federal poverty line go back to what it was versus the 225% of discretionary income?

Just to clarify, When you are given payment refund for payments made during covid they then add the amount of your refund back to the total balance of your loan , which is something i didnt think about at first. Also, i had made the request through mohela and they additionally made the request for me to dept of education, THEREFORE, i received two refunds both of which got re- added to my loan balance. Have you heard of this happening?

Hi, Travis. Appreciation for your time in putting this information out You mention in this podcast that the IDR Waiver has been completed. How is that so? I have been waiting for my count since its inception. I consolidated from a FFEL To Direct Consolidation in 2021. Are you saying it was completed and not yet implemented, or, are you saying it has been completed and implemented? FSA website said it was to end on 9/1/2024, though, now some are hearing before 1/1/2025.

Vote blue! 🇺🇲💙

Save the SAVE!

I submitted a PSLF buyback request about a month ago and haven’t heard anything back yet. Upon submitting my buyback request, my confirmation stated that I would eventually receive next steps via email. I’d be happy to share details about my experience once they unfold. But the bit of info I have to share so far is 1+ month since I submitted the buyback request and I haven’t heard anything back yet. And by way of update on another ETA issue, my PSLF employment certifications I submitted 7/22 & 8/23 were just accepted 9/30. So that was a 2+ month wait from the first 7/22 request I submitted if anyone is waiting/wondering about ETAs on that front. Unfortunately, my payment from 6/24 is just missing from my account all together and I’m now waiting on feedback from a complaint I submitted to correct that error in payment history & PSLF credit count. I’ll post back on the timeframe it takes to correct that error. And interestingly, I had a PSLF employment certification filed from 9/23/24 that they skipped looking at (I certify monthly now since I’m at 122 months of qualifying employment and seeking PSLF buyback) when they looked at my July & August certifications. So it’s not like they get to your account and clean up all pending issues. Instead, they appear to just hit some of the oldest issues, then move on.

Appreciate you all Student Loan Planner!!

You know some people joined the military to pay for college.. it's time for other people to pay their dues!

I'm curious, do I need to worry about applying for the on-ramp forbearance if I recently graduated school and am in the 6-month grace period? Thanks.

My mom signed for my private loan when I was 17 she has since past away am I responsible for the loan I live in N.Y.

You do not want interest rolling over week to week. Find more money in your budget to add even if it is 5,10.. It will make a difference!!!

Pay your interest weekly on each loan + more. You will see your balance go down. You have to pay more than the minimum to erase debit. Just like credit cards.

thank you!

I’m so grateful that there are videos like yours to help explaining these new loan opportunities

Death is the only chance I have with my loans; America is a great country.

Every single thing on this planet is only for profit dont sugar coat that shit. Humans are greedy in nature dont play it off like someone actually did something for the good of humanity.

Bigcockgayhairyblondtwinkassplay

Sounds like pslf isn't going to even be factored in when considering working for a nonprofit for the benefits soon if the govt wins the battle against pslf

So does interest start accruing again on October 1st???

I started wirh 13,350 and he conslidated with a parent plus and now i owe almost 46,000. All i did was an application online. This is BS!!

you posted on twitter that the buyback seems to have run into a wall? can you do a video on what you are seeing?

Do you know how it works with income certification (in case SAVE is killed therefore spousal income counts) if one is 1. Living abroad 2. Married to a non-US citizen who doesn’t file US taxes therefore filing married filing separately

The majority of borrowers can't pay back their loans. It's a failed lending system. They have to keep making up "plans" to cover up mass defaults.

What the fuck is even the purpose of the guy on top? I hate this video