Student Loan Guide

[@cts-video]

OMG ----never has any organization done more for our people....FOR FREE....thank you Rashad Troy and Sonia for this episode! This sista is a volcano of information! Peace and Blessings!😀

[@firstestatecostablanca]

Can one of your students be able to voice our video for money? kzbin.info/www/bejne/eX-sqGaClMipgNU

[@TauanjaKittrellNetwork]

They are a phenomenal team for sure!!!!!!

[@firstestatecostablanca]

@@TauanjaKittrellNetworkyeees

[@Lalalivinlife]

@@TauanjaKittrellNetwork yy

[@DB-hy7pc]

Thank you so much for the information. I was able to consolidate my loans with MOHELA, complete the PSLF paperwork, and have my remaining student loan balance cleared by following your advice. Thank you!!!

[@conversationswithzo]

We gotta kiss and hug these people for blessing us with this knowledge

[@rainy114]

I just listened to this on October 9th. I learned that I can consolidate my loans to qualify for the Public Service Loan Forgiveness. I thought I was out of luck. If this works, it will be such a blessing. I am just happy that I listened to this before October 31st. Thank you, Lord.

[@kimberlybutler1123]

Answered ALL my questions!!! I am looking forward to eliminating ALL my Student loan debt!!! Thank you Sonia and Gentlemen. Keep doing what you are doing - Educating the Masses!

[@amyersadams]

I got both circles and I'm going to apply for the pslf. Thank you for this show. Sonia(?) broke it down and answered a lot of questions.

[@culby276]

I applied for the PSLF forgiveness program earlier this year, been in public service for 10 years and a nurse for 10 years. Got a letter that I’m eligible but still waiting on the transfer stuff and next update. Plus, I should be getting the 20k forgiven. I’ve been telling every nurse I know, but they just dismissed it.

[@firstestatecostablanca]

Can one of your students be able to voice our video for money? kzbin.info/www/bejne/eX-sqGaClMipgNU

[@kimberlyowens5496]

Sometime you can't help everyone.

[@BlaxKid22]

Bro I made / saved so much money from y'all. Thank you man. So much value to my life. I appreciate y'all real rap.

[@mmoye8640]

This is alot of great info. Some I didn't even know about. Great job! Thank you.

[@djbeazy]

You signed a contract you need to fulfill it. School should be free or prices lowered by 75% due to online and education staying the same. Black people reparations being given away daily to others in all types of programs. SMH😞😠😡 Or is the government and schools hiding something they can be sued for and the people can get more money. If I had loans...forgive my loan 😁

[@sirlenzomccloud3356]

It may be both situations

[@robi6882]

You guys did it again! Legendary. Thank you Ms. Lewis for taking the time to share your wealth of knowledge about student loans.

[@joneslaw22]

I just got to say th public service loan forgiveness really works. I got 82k forgiven!! Such a good feeling. Huge weight off my shoulders.

[@teracarter]

Congrats!!

[@mibrad1234]

Wow you didn’t get forgiveness you just past it along to tax payers

[@kenyafromcali]

@@mibrad1234 right!

[@joneslaw22]

@@mibrad1234 well I am a tax payer as well. Thanks! 👍🏾

[@joneslaw22]

@Babyzoe91 listen to the information they give on the public loan forgiveness program.

[@dondicap5743]

This was extremely informative for me. Appreciate all tree of ya

[@NYCAppl3]

Yooooo, who is this woman coming through with all of this knowledge?! I had NO idea surrounding the details of the PSLF loan/waiver. No one has broken it down in the way that she has and I'm super amped now. Thank you so much. Feeling optimistic 😊👍🏾

[@truluv9211]

You guys are totally amazing..💪🏽💪🏽✊🏽✊🏽👏🏽👏🏽👏🏽👏🏽

[@shakirspirit]

God is Great 🙌🏾

[@Ki-Yemaya]

My daughter just graduated with her bachelor degree. I claimed her on my taxes. I fall within the income guidelines. However I'm hoping somehow it doesn't affect her forgiveness like it did the stimulus.

[@Kiddro22]

Hell yeah! I received a PELL GRANT back in 96-97 for about 2k. Damn, I feel old. I'm sure the FEDS got that money back through taxes when I started working. They'll get it back some way for damn sure.

[@AmitKumar-in7vo]

1) I did not consolidate my loans until Dec post- med school grad. Can those 6 months of utilized Grace Period count with PSLF waiver? 2) At the end of residency, I switched from IBR to REPAY (to bring the interest rate down). While I applied in Jan 2017, FedLoans didn't complete the process till end of May 2017. Thus Jan-May (5 months didn't count). This long processing is on THEM, not me! Can I get those 5 payments back under the PSLF waiver?

[@nubiancutie5972]

What about Direct Consolidation subsidized vs. unsubsidized loans?

[@vjc4502]

They are direct loans, classification should not matter

[@ladyJMS01]

OMG! I can't believe this info. Thank you so much!

[@laviniayale6255]

Thank yall so much

[@aray0529]

Great information shared. Thank you so much.

[@patty3451]

Anything on the eliminating the 3 year monitoring period for those on SSDI?

[@audreycrawford4641]

Hi, I listen to your video and it was very good, when I went on FSA there was some different information than your host. For the PSLF participants they must have paid 120 payment and working in a qualifying employer at the time you submit the PSLF form. Is the site wrong or did I miss understand the video? Thanks in advance.

[@LALA-gj8zw]

I agree with you because I checked my employer and my employers weren't qualifiers so it appears that I won't be able to get mine forgiven.

[@vjc4502]

There is now a TEPSLF on the website that changes this a bit.

[@tChuckster]

Have they put out the $20k loan forgiveness initiative form and where can I find it?

[@Bri0228]

Yassss shoutout to Detroit !!! We stay n the building

[@womanhikerone4582]

They would have to update the website I guess.

[@Landonthedeal]

Serena stilling WINNING 🏆

[@nubiancutie5972]

Does it have to be 5 consecutive years in a school? I have 15 years in different schools and cities.

[@Capeverdeprc]

If one’s loan is forgiven, how will this affect or help their credit score, if at all?

[@celeste37083]

Great afternoon! It depends on how long you've had the loan, the amount of the loan, if you've made on-time payments, and what other types of credit you have (installment vs revolving, etc.). It will drop off of your report once it's done. If it is your oldest credit account it will likely lower your credit score until you continue on with other credit accounts.

[@candacewalton9456]

@@celeste37083 this is exactly what I was thinking! So ultimately, it will hurt those in our community. I suppose there’s a trade off. Many still may not qualify for a home loan because of lack of credit accounts or variety… especially excluding the student loan.

[@Capeverdeprc]

@@celeste37083 thank you

[@celeste37083]

@@candacewalton9456 I would not say "ultimately" because all factors hold different weight. Length/age of credit history is 15% of score while payment history is 35%. So knocking off an old account via forgiveness MAY lower, but the amount of lowering may be insignificant if every payment of all accounts has been on time because that's worth more than double the percentage of length of an account on your total score. Also, your total amount owed is worth 30% of your score. So, if your student loan amount is major, and it drops off, you no longer owe that amount. The lowered debt, overall, then helps more than the dropping of an older loan hurts.

[@celeste37083]

@@Capeverdeprc You're most welcome! Also, please read my reply to Candace. Great luck!

[@tammarasandiferable]

My loans were for 2010-2012, and they were actually garnishing my check and my income taxes for 2016-2019 but stopped during the pandemic. Do I qualify for the loan?

[@lakeyscharidgeway6038]

My situation is the same. It seems like no matter how much they garnish and I pay on my loan for UOP it never goes away and they have been taking my taxes since 2014 and the loan is from 2008-2010. HELP PLZ

[@amyersadams]

If I get $20k, that's half for me. $50k would have been great but I'll be grateful for the 20.

[@ms.v.8491]

I completed the Borrower's Defense application in July, how soon will I know I'm eligible for a credit?

[@GardnerFitProject]

Just heard the amount you are forgiven will be taxed, starting in north Carolina and 3 other states to follow. Can this be confirmed? 👀😩🤦🏾‍♂️

[@RemotelyMari]

Many states have not confirmed details on this yet.

[@c.phillips1383]

Awesome. Thank you!

[@v.garrett5968]

Reign Faithfully.🙏🏾☮️❤️💰®️.

[@ericwilliams1023]

See they said it's no application first..they switching it up

[@devorahdevorah5041]

My school is not on there but the owner of my school was arrested how do I get my school added to the list

[@aliciad1871]

46:22 💎 Thank YOU 🙏🏽

[@lindarobinson2104]

This is FIRE!! Thank you so much!!

[@sallamf.6522]

So if I've been making payments over the pandemic I can get that money back?

[@KelFabian718]

Yup

[@sallamf.6522]

Is there a form to apply for that?

[@LoopWorthy]

Is there any documentation on how the forgiveness is applied to each loan(s)? For example, is the interest rate the determining factor for which loans get priority?

[@jdkingsley6543]

Man yall came in clutch

[@sharondawoods8805]

Love you guys

[@GeIrb1]

Fire information but these intros of y’all getting ready is killing us!

[@KelFabian718]

Oh facts lol 20 min intros lol

[@tiffanybaton5892]

Anyone know the young lady page to see the borrow defense list

[@ms.v.8491]

I'd like to know as well

[@Blackout2008ROE]

Lol I ctfu at 0:30 cause I’m really sittin here kept trying turn up my phone more and more when the volume just sittin at 100% 😄

[@loekeyace2427]

She's the real one 💯💯💯

[@tinapickett2862]

My son is in college now. Do he need to fill out taxes in order to qualify?

[@geraldinehunter6544]

What if hour loan has already gone into foreclosure

[@denicedavis6966]

Hi, great info.. Are they hiring? How/ where to apply.? Thank you

[@keneshaj2701]

Love love love this!

[@tChuckster]

Have they posted the student loan forgiveness application and where can I find it?

[@gwatson8876]

Thanks

[@MsBklynQn]

I call my loan holder and this is the message I got Private student loans are not eligible for this debt relief plan. AES is working with ED to determine how this may affect your commercially held Federal Family Education Loan Program (FFELP) Is this true?

[@jamescampbell720]

I'm no expert but I would expect this would be pretty accurate. Government "forgiveness" is just the government clearing money off the books on loans the federal government loaned out to people. Put it this way, Im person A (Govt), you're person B (Student), and there is a person C (Private lender). I can tell you that $20 I loaned you, you don't have to pay me back, we're good. But the money you borrowed from Person C, thats between ya'll, I can't tell you that you don't owe that person the money you borrowed from them. Thats basically the positions the government is in right now.

[@JuiceIVStat]

The video did mention that you can consolidate to be approved. I’d contact Sonia and work with her for clarification.

[@AnthonySmith-nj3he]

I graduated in 2015 and I’ve been in forbearance ever since

[@terryyoung2504]

im tryna follow the video and the fasfa site is not working smdh

[@Abbycare247]

Hi I thank you guys for what you’re doing I just have a quick question if I was a substitute teacher for two years would that count towards any kind of teaching or forgiveness

[@celeste37083]

Great morning! Only if your employer is listed as a non-profit, such as the school or non-profit agency. If you were contracted as a sub teacher via a for-profit agency, then unfortunately not. Great luck! :-)

[@Ki-Yemaya]

I went to DeVry amd then received my masters degree from a "non-profit " university I consolidated my ffelp loans into direct loans. I'm hoping that they forgive the Devry loans before they apply the 20 grand the Devry loans will be forgiven anyway. I want the 20 grand to go to the loans used for my masters.

[@acnn2]

What was the name of the loan forgiveness programs at 45:00? I caught the PSFL, Borrowers Defense. What was the name of the other ones?

[@iamroyalty29]

Can you apply for both pslf and Biden admin loan forgiveness?

[@KelFabian718]

Yep

[@heartstrings110]

What about Stafford loans? Did I miss the information on those?

[@KelFabian718]

Consolidate your loans then you’ll qualify for PSLF

[@kweenmeee8467]

Unfortunately as a bedside RN I qualified for the pslf relief but because I am now a NP for the same company I am under a new division that is considered for “profit” and don’t qualify for the loan forgiveness. No consideration for the 10 years I spent paying loans while working in the “not for profit”sector of the hospital.

[@StarDreamMemories]

Bless you You are in the field of medicine at this time in history.

[@GeIrb1]

I think she said you could claim your time served in those positions

[@vjc4502]

Right around 46 - 47 min she covers it

[@djbigdoggtv]

Dope interview. Love is Love. And thank💯

[@mstevenchapman]

She's so dope!

[@monaebailey9406]

What if you are 1099 self employed

[@cassandrawright5202]

Not for PSLF

[@GeIrb1]

Will this apply for graduate school loans?

[@Bubbles-qh7ez]

No

[@devorahdevorah5041]

Why do you have to consolidate and make your loan debt higher? Why are that stuck on not forgiving feel or Felipe loans. They are the loans of the schools who got over

[@whobutbrandi]

I got a blue and green circle yesss! lol

[@ms.v.8491]

🙌🏾🙌🏾🙌🏾 me too

[@seeksimplicity]

Man, I am about to do borrowers defense.

[@malcolmhodnett8874]

Yall gotta get these bots out of here man. Letting sharks in your pool

[@Chromehoopz]

MASHA ALLAH

[@bernardbrinson2520]

Thanks you all 💣

[@imuvessey]

Lets' Go!!!

[@iamkeia9017]

My loans are consolidated with Great Lakes do I qualify

[@marcketteacooper5309]

🙏🏼❤️🙏🏼❤️🙏🏼❤️🙏🏼

[@tinaandrews1597]

🙏

[@swangbaby2615]

🔥🔥🔥

[@monie2514]

The question that nobody has answered not even the president if it's loans is going to be covered for those who just enter School in 2022 whether it's February of 2022 October November December 2022 if you're taking out a loan and let's say you're using it to go for cosmetology or you using it to become an LPN or esthetician or a plumber 🤷🏼‍♀️💰💯🤦🏻‍♀️🤔📽️📺 it's a nice gesture but I think you should have gave those with Pell grants a minimum up to $40, 000 and up to $30,000 off with loan that's not Pell grant. And remove all interest rates, increase the Pell Grant from a measly 6895 and make it a minimum of $20, 000 for a Max of up to 9 years so that people can go and get a sufficient degree. And not have to be in debt who is already low to medium income that's not over $65,000 a year.

[@needhelpwaquaregiadrop562]

So does getting a deduction EVERY YEAR for EVERY KID and a child tax credit be something I should be screaming about? I don't have kids. Not everyone wins every time. Let me mention all the corporate tax breaks, church tax breaks and every other break I've never received!! So does getting a deduction EVERY YEAR for EVERY KID and a child tax credit be something I should be screaming about? I don't have kids. Not everyone wins every time. Let me mention all the corporate tax breaks, church tax breaks and every other break I've never received!! Sounds petty.

[@sandramoreau6836]

👏🏽👏🏽👏🏽

[@bernardbrinson2520]

🔥

[@sirlenzomccloud3356]

ITT Tech saying they owe me $650.00

[@andrewisdom2879]

Yall back to back like drake

[@enigmathegrayman2953]

The biggest threat to everyone is UBI and debt forgiveness. Throw money to people who haven’t earned it, forgiveness to people that owe it. Money is worthless because it’s NOT REAL it’s printed and devalued every second of the day and now more people aren’t held accountable for their bad decisions and the creation of more money in circulation with few goods to purchase has created a massive problem!

[@StarDreamMemories]

You have a great point

[@aaronking8694]

How to purchase votes 101

[@seanmayfield7224]

NO EXCUSES

[@kenyafromcali]

Why does she keep saying “get” money. 1) No one is getting any money. 2) we will all be paying for this in our income tax, 3) we’re in the middle of an inflation. The cost of goods and services are only going to go up if we keep printing money. This is sad to see black folks in America so clueless about how money works. 🤦🏾‍♀️🤦🏾‍♀️🤦🏾‍♀️

[@darrellhubbard267]

I hope you keep this same energy when we have Corporate bail outs and had all those PPP Loans forgiven which had millionaires and billionaires receiving aid.

[@g.d.9619]

U won't be saying this if u had student loans

[@cetriyasArtnComicsChannel]

we're paying taxes regardless and we send money to all sorts of things and our SSI is not funded so might as well get this money now and buy into assets like homes to combat inflation.

[@mibrad1234]

These dudes are just thirsty and feeding off people. Provide no knowledge just a bunch of nothing but get paid for views

[@lesliewilliams9072]

Please note that if you received your Pell grant before 1994 it will not show up on studentaid.gov but the government has a record and you should still receive $20k in forgiveness. Be blessed!

[@lynej2011]

But who do we contact?

[@gsdblack1]

What's her IG

[@v.garrett5968]

Reign Faithfully. 🙏🏾☮️❤️💰®️.

[@swangbaby2615]

🔥🔥🔥

[@v.garrett5968]

Reign Faithfully.🙏🏾☮️❤️💰®️.