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

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[@tanishacoats834]

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

[@richhands5269]

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

[@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

[@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!*

[@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!

[@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.

[@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.

[@ariajordan8558]

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

[@REkemam]

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

[@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! 🔥

[@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

[@oceancity5776]

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

[@AE-sy1pn]

Lies

[@charbuxs1631]

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

[@michellerobinson2759]

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

[@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

[@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.

[@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

[@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/

[@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

[@ijahmanteferifuquaher8039]

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

[@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.

[@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.

[@Lifeislife787]

Another amazing episode. Thank you all for the information.

[@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.

[@natashiaw8392]

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

[@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. 😊

[@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 🙌🏾

[@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

[@LogicalLove]

Excellent show and great helpful information this sis is dropping.

[@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....." 😭

[@angelalong2545]

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

[@Ifliptoo]

@angelalong2545 was their a fee to meet with them?

[@Lovcavs]

Can you apply if its salli mae loans

[@ItsSimplyChanelle]

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

[@stacysummers3347]

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

[@deepick8345]

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

[@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

[@tiffanysampson6597]

Great episode! Thanks EYL and @studentloan doctor!

[@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?

[@1BlessedMale]

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

[@raidergainzx5290]

Biden dont know whats goin on.

[@JGT318]

Excellent information 🎉

[@bhfan1017]

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

[@lbriggs85]

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

[@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.

[@lutrailahobbs3086]

It would be a blessing if they forgive parent student loans

[@theblindDD]

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

[@kimoramicheal8353]

49:00

[@heyLex]

Thank you fellas and thank you Sonia!

[@Save-money1]

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

[@theetravelhippie]

ughhh I want it to be forgiven already

[@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.

[@Herschelle_Brianna]

This is so helpful! Thank you

[@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.

[@JAE-ug8xe]

Is PSLF an option for Parent plus loans?

[@operationheadstart]

Yes Im In the process of doing it now

[@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.

[@ladyram5290]

I have a dilemma with my student loan IDR and Save repayments zero during my home buying process. How can I get Mohelia to change that to at least 1.00? FHA does not accept zero payments… any suggestions on how to handle this situation please help 🙏🏽🙏🏽 thank you!!

[@morykeita310]

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

[@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.

[@lorrainecohen5504]

How do we set an appointment with the guest?

[@greatnessisthegoal]

Appreciate this knowledge and execution

[@jamalamitchell]

7:35 wait...Troy has loans 🤔

[@ron.porter.10]

The smartest thing that should be on everyone's mind right now should be to invest in different streams of income that are not dependent on the government. Especially with the current economic crisis around the world. This is still a good time to invest in gold, silver, and digital currencies (BTC ETH...).

[@JohnMcCain-qw4zl]

Even with the current dip in the market I'm still glad I can smile 😊 back at my portfolio of $19750 built from my weekly trading with Mrs Olivia.

[@douglasrodriguez250]

Oh please, how can someone get in touch with Mrs Olivia!!?

[@astridvonderosten8494]

I will leave her number just below this comment

[@astridvonderosten8494]

+1

[@astridvonderosten8494]

53928

[@notimeforweight]

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

[@dawncape5877]

This was amazing. Tons of gems dropped.

[@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.

[@Headkrakk]

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

[@lagorratate7664]

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

[@TheStarr1980]

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

[@patsyhilliard3451]

47:12

[@meelahmak]

This was a great conversation.

[@inthereign]

Excellent episode!!!

[@jossly21]

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

[@jasminb0510]

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

[@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

[@priceccp]

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

[@serenitythyme219]

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

[@operationheadstart]

Sonia help me get my student loan forgiven! I'm forever grateful to her!

[@operationheadstart]

@wilfridjoseph5222 Thank you so much Im good I meant to write that Sonia HELPED me get rid of my student loans. I have been following Sonia for several years. Thanks so much for reaching out.

[@allthingsnola7351]

Can some light be shade on consolidation?

[@nelsonholden840]

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

[@chanfitts5151]

This was very informative thank you Queen and Kings

[@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

[@Yaddyvalerio]

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

[@alicia_nicole444]

before i filed chapter 13, i was in income-base driven school payment program. i got into chapter 13 so the payments ceased. Currently as of Dec. 2023, i have been discharged from chapter 13, and my credit score has plummeted and the reason is because of my student loan. I said all that to ask, should i restart my payment program for my student loans?? I don't understand any of this.

[@hollygolightly9878]

@8:25 IMPORTANT ❤❤❤❤❤❤❤❤❤

[@christoler3689]

What about reimbursement of student loans paid during the pandemic?

[@ltheard26]

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

[@bigoli328]

But great info

[@dieselbaby67]

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

[@LeaderOfaTribe]

Great content

[@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

[@antoniobattee4106]

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

[@lwinston5950]

Wow so my student loan was sent over to a new lender and it started my whole time frame over . And I haven't worked at any jobs that qualify for forgiveness. I hate I have these loans my only decision is i won't be paying them 🤷🏻‍♀️

[@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).

[@jenniferrivera5461]

I got my undergraduate in Psy in 1998 and walked with $13k in student loans. Now, 25 yrs later I have 26k in loans. The best salary I have ever made is 36k a year gross. Pretty much poverty. I hope my loans get dumped 2. Im def worth more than 36k. My loans have been in forbearance for 20 yrs. Sad but true. Currently with Mohela in non payment.

[@hollygolightly9878]

I’m gonna have to rewatch this

[@alervold99801]

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

[@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??????

[@sincere1996]

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

[@NijThaGreat]

I was approved but never received it yet

[@1ststeps2business]

I have parent plus loans but I was able to consolidate them into a direct loan