How to Receive Student Loan Forgiveness; Secrets, Myths, Dos & Don'ts with Sonia Lewis

[@tanishacoats834]

I really appreciate her passion and knowledge. I took notes and I plan to execute. Thank you for this imperative episode! ✊🏾

[@ObservingtheMatrix]

Random, but I took precollege classes at my University when I was in High School because I was determined to get in, but what she said, especially in these digital times, is so true. If you visit the schools you want to attend when you're a sophomore or junior in college its EXTREEMLY effective. Regardless of race or money. Almost everyone who I took precollege classes with got in because we were seen and known by teachers and deans in the school before we even applied. By the time we did you're a person and not just a number to the Deans and admissions people who make the decisions. And because they knew me and knew I was dedicated ( by playing multiple sports, taking precollege classes, and doing volunteer work with meals on wheels ) you can just do each thing for a year or two during HS and you will shoot up to the top percentile of applicants easily. 90% of students just go to high school get grades and go home. If you take HS seriously like its a job interview for the rest of your life ( I know its hard because that's when we have fun) you can really set yourself up for a successful collegiate and work career.

[@kimberlymattison2148]

How did you take pre college classes at a certain college? For example if I go to high school in Detroit Michigan and I want to go to Stanford... How would a take pre classes at Stanford???

[@zoroluva]

​@@kimberlymattison2148 Here in Maryland, High schools partner with nearby colleges for this. So living in MI you can't then take classes in CA.

[@ObservingtheMatrix]

@@kimberlymattison2148 That’s a great question. These classes, or sometimes groups of classes, are known as Summer Intensives often, but I just googled Stanford pre-college and it popped up. It’s obviously the most cost prohibitive if you go out of state, but thats how you would do it. Sometimes they will even give you a scholarship for it (which I figured out how to get for my second round of classes). The easiest way to do it is to take them in the summer between Jr and Sr year or HS. They may have age ranges etc. Like she was saying, however, its all about showing that interest, so maybe you take a couple locally and summer of sophomore yr and invest in taking some at the school you want to attend most int he summer after Jr yr. Mine was like 2500 for an entire summer course. Materials and books not included

[@wildboy700]

I don't remember ish from HS needed for the real world. Try again.

[@zoroluva]

@@wildboy700 I work in electrical transmission substations. I use high school trig pretty much everyday.

[@richhands5269]

My favorite Finance channels: Earn Your Leisure, Stock Brotha, & Wallstreet Trapper. Make my week complete! 🔥 🔥 🔥

[@Jorg-ze5ck]

Thank you 🙏🏻 for the content, All you need is the right advice on how to invest in crypto and you're back on track, I've been making $35k weekly from my trading and I'm happy about it

[@dorathy3543]

Congrats. The true financial unlock comes when you understand and know the technique required to manage your investment's overall risk profile and avoid permanent capital loss. It is critical to have a strategy in place to capitalize on profits when they occur.

[@johnnydril]

Fiduciary-counselors have exclusive information and data paths that are not available to the general public. Under the direction of my Fiduciary-counselor "Natalie Shae Krula" I made over $340k between Q3 and Q4 of 2022. I'm hoping for more

[@ousmanekabore200]

YES, that's exactly her name (Mrs Natalie Shae Krula) I watched her interview on CGTN News and so many people recommended highly about her and her trading skills, she's an expert and I'm just starting with her.

[@Sabtiag]

I'm surprised you know her. I've been making a lot of profits investing with her for a few months now.

[@odilebessekon6408]

How can I get in touch with Natalie Shae Krula ? What are her offerings? Is she verifiable? Do you believe she can assist me? I am from Toronto 🇨🇦 .

[@CG-uk1vz]

The reason your credit score drop when paying off student loans is because your "average-age-of-accounts" shorten. The length of time you have a loan accounts for 15% of your FICO score, so if you've had a student loan for 10 years, and that loan disappears, your average age of accounts shorten.

[@carolynhayes6804]

Excellent. I have no student loan debt but just had a grandson 11/30/24. Will Do better for him than I did with his father.

[@kimoramicheal8353]

Wow future Grandson, he'll be here next year Godwilling! 😅

[@MoGood2158]

Encourage your grandson’s parents to open a 529 plan. The 529 plan works just like a retirement plan. They can invest as little as $25 per month in their child’s 529 plan. The earlier they invest, the more money they’ll have for your grandson’s continuing education (i.e., college, vocational school, IT certification, real estate classes, etc.) when he graduates high school. Good luck!

[@ariajordan8558]

This information is so important. So many are SUFFERING in debt. Thank you for your service!

[@rosalindEbedell]

Great episode. I have watched it twice already and plan to watch it again to make sure I didn't miss anything.

[@tinavince1266]

I had the remaining $19k forgiven through PSLF earlier this year🙌🏾

[@lorrainecohen5504]

So happy for you!

[@tlemon305___]

What field of work are you in? Did you keep paying thru the c-19 pause?

[@Mistertisdale]

That’s amazing!!

[@SamMcKinley]

My employer was approved and I paid 194 payments and now Mohela put the loan in forbearance. How long will this PSLF take?

[@shelliadams2357]

@Dawne1 how ddi u do it ? My son is an Rn and I am trying to help him find out how to do this

[@theprerichlife]

All HBCUs are not private. The one I graduated from is public and I received a full scholarship for undergrad. Like the content but more research is needed.

[@charbuxs1631]

Great information! Your guest has a wealth of knowledge and is very relatable.

[@Mistertisdale]

I value this segment! My loans recently moved from Aidvantage to MOHELA, and staying attentive throughout the transition is crucial. Despite the frustrations amid constant changes, it's essential to navigate the system and ensure it doesn't overshadow our future pursuits. Throughout this journey, I'm passing on insights to younger generations, helping them avoid the challenges many of us face post-undergrad/grad school.

[@lwinston5950]

Yep mine were moved to mohela too

[@melliegotsoul]

@@lwinston5950mine too

[@ijahmanteferifuquaher8039]

Speaking knowledge. These types of conversations that patients, churches, communities organizations, etc.have with the youth

[@MoGood2158]

50:18 My student loans were forgiven….my credit score went down for 45- 60 days and went back up (as long as you continue to pay your bills ON TIME). So if you’re looking to buy a home, you can still do it. You just have to be patient. It’s important to plan ahead if you have children….I encourage all my family and friends to open a 529 plan for their child/ children (start it when they’re a baby) or open a high interest savings account to save for the child’s/ children’s continuing education. Great episode! 🔥

[@michellerobinson2759]

Where do I find the list of the schools that are eligible?

[@LA_337]

Always (re)introduce your guests. You may have new listeners tuning in.

[@pickmeisha]

I got PSLF for $200K earlier this year, med school and grad degree. Worked in public medical service 11 years. The process took about 1 year from submitting application.

[@delle3955]

That’s awesome!🎉

[@Lala-lw6pi]

And how much were u paying every month for 11 years?

[@pickmeisha]

@@Lala-lw6pi From $1700 to $680 my final payments.

[@melliegotsoul]

praise God!!!!!! 🙌🏽

[@pickmeisha]

@@Lala-lw6pi ranged from $6-$1700

[@2phonesss]

Starting at 24:04 the dialogue had me cracking up.. Cam and Mase got me hearing words differently 🤣🤣🤣

[@2phonesss]

"When we were in a pandemic, pause....." 😭

[@oceancity5776]

Thanks, blessings. I vouch for EYL. Got my student loans forgiveness 🙏

[@AE-sy1pn]

Lies

[@khloemodhouse5685]

I wanna share my student loan testimony here but I don’t know if them ppl watching and may try to recalculate but I will say definitely apply apply apply!! I was shocked at results!!!

[@khloemodhouse5685]

@@jfros9794 studentaid.gov/pslf/

[@Meyri2010]

I’m so over hoping for my loans to be forgiven, I do not qualify for any of them since I have not had ten years of payment. I’m giving up and just been paying them.

[@thesongstylingsoflaradiane5869]

Same

[@cinnamonsugar626]

Yes! I keep rewatching but its the 10yr part thts not qualifying me

[@touche5029]

Same here except i havent started paying yet. I am looking for a 3rd jb to make the payments

[@ninahill8081]

My son class of 2027Civil Engineer major won 181,600 in outside scholarships attends an HBCU no college debt and we had out of state tution California resident

[@huntingtonbeachanthony4957]

Is he working? Engineers are being laid off right now.

[@ninahill8081]

@@huntingtonbeachanthony4957 he is in his first year of college he just graduated in June 2023 from high school

[@ObservingtheMatrix]

This was such a good conversation and illustration of how elections have consequences. Notice how the majority of these things will be ending in 2024. It’s going to be the next elected president that decides whether or not these things stay in place or go away. And I think most people know that Republicans are not going to be helping you be forgiven for student loans. They’re going to say that money should be used for tax breaks to the rich because Republicanism. 😊

[@Lifeislife787]

Another amazing episode. Thank you all for the information.

[@natashiaw8392]

Thank you!!! I am been figure out where to start!!! Thank you!

[@angelalong2545]

I’m excited. I have an appointment withThe Student Loan Doctor coming up. I’m thankful for them 🙌🏾

[@velmadavis8561]

@angelalong2545 was their a fee to meet with them?

[@tyoung3509]

I completed the PSLF. Previous employers submitted the portion they needed to etc. After doing all of this, the representative said I do not qualify because I no longer work for non-profits. The emails I received said the same. I will need to currently work for a non-profit or work in a government job to receive assistance. I do know a few people who have received some assistance as they currently still work in non-profit arena.

[@honeykchew]

I was told the same thing.

[@callysilva8544]

Same situation as you right now. No longer with non for profit. Can buy even buy a home because my student loan counts towards my DTI. So frustrating.

[@SONYARenee]

I need to apply and see if I qualify. I’ve worked with the government for 12 plus yrs , then took a break now back working in the government.

[@LogicalLove]

Excellent show and great helpful information this sis is dropping.

[@JudyLazarus]

Our government has no idea on how people are suffering these days. I feel for people with disabilities not getting the help they deserved. Thank you Dora Hobbs, imagine investing $1000 and receiving $7,300 in 4days.

[@wendywright9740]

Dora’s success story are everywhere no doubt. Got a chance to benefit from the service few weeks ago and it has been a massive return.

[@Msdianase]

This is wonderful. How did you manage to achieve these huge amount? I’ve been looking for something to venture into with my little savings of 20k, please help a friend.

[@JudyLazarus]

I consult Dora Hobbs when making any investment decision. She always has a clear and precise presentation of what is happening in various financial market.

[@Msdianase]

Can you refer me to her please? I’m in need of one

[@JudyLazarus]

*She often interact via telegram app with the name below!*

[@i39mbossy]

How soon can we fill out this paperwork I graduated from college just last year but next year will be 2. I was interested in going to law school or grad school. How should I proceed?

[@tiffanysampson6597]

Great episode! Thanks EYL and @studentloan doctor!

[@stacysummers3347]

I'm surprised this doesn't have 50 million views

[@Lovcavs]

Can you apply if its salli mae loans

[@curbsidecritiqe2066]

Yes, Greg Abbott in Texas stated all students will be taxed if your student is forgiven.

[@helpme100]

Doesn't matter it'll be better than having loans

[@ItsSimplyChanelle]

There’s plenty of public HBCUs! I went to Tennessee State, a state HBCU

[@heyLex]

Thank you fellas and thank you Sonia!

[@JGT318]

Excellent information 🎉

[@thaabitshabazz4117]

One of the elements of the Student Loan Forgiveness was NOT for Private Loans. For example, I went to Westwood College and they went out of business so I had Federal and Private loans from the school. I send in paperwork and they only forgave Federal, Not Private. You Cannot get Private Forgiven, dont care how YOU chop itup

[@candacep778]

Right. The Federal Government can only control their own products. They cannot control the policies of private companies.

[@candacep778]

The Scholly app was bought out by Sallie Mae. No longer administered by Chris Gray.

[@lbriggs85]

This was a great episode. This was a great discussion. Y’all have some really great guests

[@Princess_Colors]

This is so helpful! Thank you

[@theblindDD]

Lol i like her ! Intelligent, sense of humor . She put alot of game here

[@JAE-ug8xe]

Is PSLF an option for Parent plus loans?

[@operationheadstart]

Yes Im In the process of doing it now

[@lutrailahobbs3086]

It would be a blessing if they forgive parent student loans

[@1BlessedMale]

I’ll vote for Biden if my loans are 100% forgiven lol

[@raidergainzx5290]

Biden dont know whats goin on.

[@morykeita310]

I'm surprised Troy just hasn't just paid off his student loans

[@theetravelhippie]

ughhh I want it to be forgiven already

[@BiNDiViSUAL]

Wow! Sonia was great, she shared so much great information and her explanations simplified so many complications regarding student loans and forgiveness. Positive energy from her. Thanks guys.

[@bhfan1017]

Thank you so much for this boat load of information, you are amazing and a blessing as well.

[@suzettebarclay6423]

I am still confused about SAVE. I was told my loan will be on hold for 1 year, and then I would have to pay after.

[@lorrainecohen5504]

How do we set an appointment with the guest?

[@greatnessisthegoal]

Appreciate this knowledge and execution

[@jossly21]

My School was on the list. How do I apply for that forgiveness.

[@Legolas310]

The way I rushed over and filled out the PSLF forgiveness request so fast! lol I did it 2 years ago and got nothing. Hopefully it works this time. Thank you for sharing this info.

[@dawncape5877]

This was amazing. Tons of gems dropped.

[@naturalnormalnae]

I had my mom purposely get denied for parent plus loans so I could get more loan money in my name under the FASFA. I didn’t want her to have to worry about paying any of my education back

[@Save-money1]

Great video very informative and educational she is a beautiful goddess queen ❤

[@Headkrakk]

If your loan is in default would you still qualify for any of these programs?!

[@hollygolightly9878]

@8:25 IMPORTANT ❤❤❤❤❤❤❤❤❤

[@deepick8345]

Me with high loan debt I’m enjoying getting these gems ❤️❤️❤️❤️❤️

[@jamalamitchell]

7:35 wait...Troy has loans 🤔

[@ireneolsen9037]

I am at 22 years repayment, does that mean I have to wait another 3 years for forgiveness? Aren't they adding extra 3 years to all borrowers, so then I should be at 25 years!!??? I am really confused what is happening right now with student loans.

[@melaniesmith1928]

Check here for IDR since you're over 20 years: studentaid.gov/announcements-events/idr-account-adjustment

[@inthereign]

Excellent episode!!!

[@meelahmak]

This was a great conversation.

[@Yaddyvalerio]

Yeah I already knew the vibes so I set up the plan

[@priceccp]

This is why I love your channel! I needed this!😅

[@jasminb0510]

This is wonderful information!!! But Sonia you didn’t have to call me out at the end. Lol!!! You are right tho!!!!

[@bigoli328]

But great info

[@melaniesmith1928]

My loans were forgiven under IDR one time payment waiver and my credit score didn't drop. However, they backdated the forgiveness eligibility to as of 2021, so that probably factored in.

[@daddysgirl_1]

Did you consolidate?

[@melaniesmith1928]

@@daddysgirl_1 yes, back in 2009.

[@melaniesmith1928]

@@daddysgirl_1yes, back in 2009.

[@serenitythyme219]

That tax is crazy, though! Indiana, NC, Wisconsin, Arkansas & Mississippi- lawd is it more ? 😢

[@nelsonholden840]

So is there a way to get money by being a good person and not getting into trouble?

[@notimeforweight]

Wow that was very sneaky to do that to people with FFELP

[@allthingsnola7351]

Can some light be shade on consolidation?

[@1126danilo]

I am 70 years and retired and still have a student loan. I have been paying for 20 years. Do I qualify for the Biden forgiveness program? You don't talk about people who have retired and still owe a student loan. Can you redirect me to the right dept to apply for a loan forgiveness? I do have a direct loan.

[@justmontina]

56:13 Which states will tax student debt forgiveness? Indiana, Mississippi, North Carolina and Wisconsin will tax the amount of your federal student loan forgiveness.

[@ltheard26]

"Dating" is such a broad term. You don't know wether the other person is looking to build a family or "test drive" different experiences. 🤷🏾‍♂️🎲🎲

[@kimoramicheal8353]

49:00

[@dieselbaby67]

Because it takes a history to balance or affect credit positive.

[@chanfitts5151]

This was very informative thank you Queen and Kings

[@lagorratate7664]

THANK SO MUCH RELATIVE 6 FIGURE STUDENT LOAN 44 YRS OLD,FINSH IN 2010 WHAT CAN FOR STUDENT LOAN FORGIVENESS

[@22Ronice]

That’s me!

[@christoler3689]

What about reimbursement of student loans paid during the pandemic?

[@LeaderOfaTribe]

Great content

[@ltheard26]

This was a Master Class in leveraging programs to address student loans as well as formalizing a concrete plan to Life

[@hollygolightly9878]

I’m gonna have to rewatch this

[@maliciachristian46]

She is correct. My credit score went from 720 to 680 after forgiveness! I was crushed. I was working on my score to buy a home when I got to 740. That dream is on hold.

[@roxymitchell4296]

My daughter and I graduated the same year. She's a home/2 acres home owner. 🙏🏾 her loans get forgiven. I will be putting my home on her land. Thanks to the Student Loan Doctor she helped me with a Borrowers Defense Class ❤. My loan is gone 🙌🏾

[@alervold99801]

So the deadline for FFELP forgiveness was Dec 31, 2023?!

[@roziroze]

This must have shut the website down because it has been unavailable for "site maintenance" won't even let you sign-in

[@thestudentloandoctor]

They were doing FAFSA updates earlier

[@user-vk9rq1zu43]

They should reimburse all the tuition fees.

[@MoGood2158]

I got my loans forgiven under the PSLF program in 2021. In some cases….The Dept of Treasury will send a refund check of $2k- $6k. Your refund depends on how much you’ve paid on your loan. If you apply and are approved for forgiveness, StudentAid.gov will let you know your refund amount (if applicable).

[@22Ronice]

Thank you. So what’s the income limit for ‘financial qualifications’?

[@NijThaGreat]

I was approved but never received it yet

[@kimberlylee5815]

I never applied for college loan. I applied for federal grants, I didn't want pay loan back in case I drop out college And plus I went technical college.I so glad I never applied for college loans.

[@lorrainecohen5504]

I messed up as a 71 yr old great granny because I didn’t complete my paperwork correctly! My heart is broken.

[@rerebrook5057]

Reach out to her company. They can help.

[@madboyreadynow28]

First understand student loans are not a trap. Today there is so much available information to understand what you’re getting yourself into when you receive a student loan. I told my daughter to stay home for free for 3 years when she graduated and pay off that loan. She chose to travel and live the lavish lifestyle. I said nothing to her. She’s a grown woman. I told her and her sister to buy a house together or buy a home. That was 10 years ago and now regretting not listening because the price of living in an apartment in Dallas is crazy. If they had listen to me years ago the student loan would be paid and they would have an affordable mortgage payment and not be stuck like millions of American renters. People we need to own up and stop making excuses for our financial situation.

[@antoniobattee4106]

I Just found this today. i logged in to my aid advantage... is it too late??

[@LuciaEscalante-e9n]

For IHSS employees the FEIN was pre approved for PSLF but getting employer signature has been difficult and been given the run around, does anyone know how to do this successfully? Has anyone gone through with it with the reciepent signature ? Thank you

[@MsNiknak30]

The biggest question I have is Will this need a vote from congress to pass, or does it qualify as an executive order by the president??????

[@22Ronice]

Can the school still be open and in business??

[@nelsonholden840]

Why does it matter if you active in school…why can’t I just go to class and go home

[@gsdblack1]

Because schools and businesses want ambassadors.

[@TheStarr1980]

You can still buy a home and have good credit with student loans. Student loans doesn’t stop anyone from a home loan.

[@sincere1996]

Where has Ms. Sonia been she has disappered from Social Media.