EP. 67 " Ain't No Forgiveness Bae" with Sonia Lewis

It's all right. You're sitting up in this four floor looking down this all kind of ship in energy outside. It makes it hard to want to stay inside when it's all beautiful and stuff. So I was outside. You're going outside when it was cooldest funk outside outside. It's harder when it's nice. So that bruns out, all right? So what club did you hit up this weekend in Charlotte? You might as well listen. First of all, you might need to try to get some low promo money from

these niggs in Charlotte. Okay about these spots being astly, because I'll be moving around the city so I went to UM. I started at Infused, which is like a little hooka bar. Then I left there and I went to Fahrenheigh, which is like a rooftop situation. You can see the city city views. It's good cocktails. Had a few drinks there. Then I left there and I went to another place called fifteen Street Social, which is a newer spot, and it was seeming kind of young, but

the DJ said that people were that young. Black just don't crack, so um it was cool. Left there and I went to cloud Southend, which is a nice little jumping It's like one of the most popping spots in Charlotte right now. Cloud and that was That was Saturday night. That was all I want, all of those places. There's day. I got up and I went to fifteen one, which is like an outdoor situation, real good vibes, good music. R and b's grown crowd, very grown crowd. Oh yeah,

I went there. I went there a couple of weeks ago to watch a football game. It's like outside, right, yeah, it's outside. It's next to that ruby ruby ruby. What's that ruby sunshine? Don't I think you might be talking about Lost and found? Lost and found is another good spot. No, I'm pretty sure it's fifteen on one. Maybe I'm thinking about yeah, but that's the place. It's like outside, they're in the same area. Yeah, okay, yeah. I went there and I was like, damn. I asked the barts and

I'm like, who on this? She said it was black On. I'm like, okay, yeah, he's black on a little nightclubs in Charlotte. They be doing a damn thing. And then and then I left fifteen o one and I went to STATS on Sunday nights stands on Sunday night. It is like a whole vibe. That's a big spot. Like church. They called church on Sunday. What about your heathens? Right? The church? So I did be going to church online on Sunday Sunday morning. I got the first day. It

gives me the word before I go out and drink. Now, one day we was talking and I said, you said, yeah, I went to church twice today. I was like, damn, girl. He was like, man, funk these niggers. I went to church. I'm really thinking this bitch went to church twice. She talking online church, it's all online. You ain't going nowhere. I didn't go. I was in a tennis he record. They recognized the listeners online. Bitch, you said some ties in all right, now that's now he runs out. Now,

that's one thing I ain't about to do. You runs out now. That was my weekend. But this weekend, I'm a chill. Is Mother's Day this weekend coming up? No, it's next, it's next me. Yeah, okay, this weekend I don't have I might fly to Atlanta this weekend or something. I'm going to tell your maka next week. I can't wait. So I'm at to I don't know, do something for my mom before I dip out on her ass. My weekend was uneventful, per usual. My stepdad is in the hospital.

That's what I've been dealing with. Yeah, man, listen, y'all, take care of your bodies when you're young. Just take care of your bodies when you're young, so nobody has to take care of you when you get old, like that should just be goals. Yeah, but I mean, that's that's deteriorating as we get older. Is a part of life, kind of right. Even if you take care of ourselves, it's just only so much you can do before somebody

got to take care of you. You know, I read this hot I read this article that suggests that each human has a certain amount of heartbeats. We just don't know what our predetermined amount of heartbeats are. Could you imagine that? Like it's somewhere they got I wouldn't. No, hell no me either, spending my day's counting them. But I did also read because a couple of months ago,

I was stressed out, like why the fund is? I always wear my fit bit right, I know everybody got Apple watched My Life hip it I my heart rate is always like low, like fifty five, so I'm thinking I'm dying. And I was watching uh Discovery of Witches

last night, and of course you were. And the dude, the one of the vampire characters, old girl, was feeling his chest and she was like, you know, you don't have a heartbeat, and then the heartbeat came right he was like, I do have a heartbeat, is just slower, you know, because we live internal we got eternal life, So your heartbeat. Then I started Google. I said, wait a minute, so I'm not sick because my heartbeat it's

sucking slow. So your vampire bitch. Now I'm a lift already know I'm a lift toime like ninety five, but now I'm it's like confirmed. Yeah, bitch, I take it easy. Okay, what network was this song? AMC bitch? Listen, I take it easy. I know I'm gonna be around here until like ninety three. That's why I need y'all to stop sucking up my world. Okay, if you're planning on die in that sixty okay, stop sucking my world up. Yea. Let's let's go to commercial on that note, because this

bitch is We'll be right back. All right, Let's get into some dumb internet news, y'all. What we got going on? Sam? So Mega Stallion did an interview with GAYL King? Did you why? Why? Why? What? I don't know why. I thought. I thought they put Tori under a gag about this whole, you know, situation that happened. So why is she allowed to do interviews with Gail King and he can't say anything? I guess because maybe we need to We're looking at it wrong. We were looking at it as if it

doesn't seem fair. Should we be looking at it as if this nigga is fucking guilty? And I'm a victim and I should be able to talk about it like this is therapy for me at this point, and with the whole world. I'm not here to um like judge either one of them. This ship has been going on for two years now. Yeah, it's like two years now. The fact of the matter is Meg the Stallion did not have a gun, and she got hurt. Somebody else

had a gun. You see what I'm saying. She got hurt, and with the internet and everybody, she probably felt the need to get out there and tell her story in some type of way and get a check off it at the same time. Yeah, I feel you so um. I'm gonna read some of the things that Megan said. Uh, and it's quote big Megan said. It was an argument because I was ready to go and everybody else wasn't ready to go. But that's like normal friends stuff, Like we fuss about silly stuff all the time. But I

never put my hands on anybody. I never raised my voice too loud, Like this was one of them times where it was like it got it little. This was one of them times where it was like it shouldn't have got this crazy right, And I can I can understand that you know how sometimes like you and a Frank could be y'all could be playing damn, and all of a sudden, somebody really gets serious. Like I can see that happening. I've had that happen, um. But you

know one thing I did see. According to a public transcript from December hearing on Meg the Stallion and Tory Lanes case, the source can't confirm that the officer testified there was gunshot residue found on tories hands. So now all the public um judges have been saying, oh, they found the residue on old girl's hand, homegirl, Casey, wasn't

it learning Casey? M hm, Kelsey sorry that they found a yeah, the residue on Kelsey's hands, But in actual evidence at the courts, now they're saying that that the residue was on Tori's hands. Then also, you know this should have missed. It is there, she's staying there. They never slept with each other, her and Tori. I mean, are you publicly about to damn? I'm not listen. This is my pussy. I don't gotta confirm or deny nothing

for y'all. Period. So rather she did or not, is that her business I feel like even if I feel like her saying that they did what, even that would be a better defense for for it would be not a defense. Sorry, it would be a better situation if she did say that they were fucking, because that's even more reason for him to shoot at her. But I feel like, if you're gonna come out and uh talk about this ship till the whole truth, now don't then maybe that is the truth. Maybe it is the truth.

Why don't know? I mean, based on what you're saying, why would I come out and tell somebody my sexual business, you know, like you know, if you're gonna tell it, now, tell it all. Yeah. And I I believe I believe her. I believe Mega Stallion. I've been saying that we didn't talked about this you at last. I want to believe her. I will. I want desperately to believe her. But I just still, you know, it's just so much stuff that like, first it was like glass, then it was a shooting,

and it's just too many different stories. She got hit by bullet, then the fact that her and her best friends are no longer best friends after this just seems like some fishy ship going on. Well, did you see where somebody I don't know who E was trying to pay the home girl or Meg to be quiet for a million dollars. Tory offered one million to keep silent. So was did he? Everybody gave the home girl a

million dollars to be quiet? Mega, just says Tory lays offered her and Kelsey one million for their silence on the shooting. Damn, I would have took it. Maybe her home girl did take it. You see what I'm saying. Maybe her home girl did take it. So now you just left your best friend. You know you've known way before the fame. You left her out hanging to get

on her level. You see what I'm saying. I would never That's why I always say, man, integrity is a lifelong commitment, because I'd never do that to one of my friends. Fuck that nigga, Like he got to go to jail, because regardless of what if, even if it wasn't a direct bullet, like I said, she didn't have a gun, there was a weapon on the scene, and she's the only one that got hurt. What does that say? She said he was hanging out the car window shooting

at her feet. Do y'all know what fragments are. He didn't say that, she didn't. It wasn't a bullet. She might have thought it was glass initially, you know what I'm saying. It could have recocheted off the concrete. It could have been pieces of concrete in her foot, anything. But she's happening when yeah, oh yeah, yeah yeah, And it wasn't herd I called the police. It was bystanders

that heard gunshots. What are we talking about? But when a black woman say somebody heard them, nobody, nobody fucking cares. And that's that's what this is given to me. It's just what it's obviously because in the court of public opinion, Mega Stallion is a liar. There's a lot of women who think she's a liar, and it's a lot of men who think she's a liar. When she initially said she didn't even want to say nothing because she didn't want to get him in trouble. Still, yeah, I don't

think she I don't know what to think. I can't say I exactly stand with Meg, just because of how many different stories came out in the beginning. But I don't I can't say that I stand with Tori either. I just I'm still waiting to hear the full details of what happened before I make pass any judgment on anybody. Well, I don't want to pass judgment at all, but I'm never gonna. I want to say I want victim blame, but I'm not victim blaming. You know what I'm saying.

We know people lies sometimes, we know people make stories up. We know we know that type of ship happens. But I have seen her story be consistent. I didn't see her. I mean, she never confirmed or denied a relationship with him at all either. So I don't know. I hope um oh. And another thing I want to add, so Tory he has he has that he has had to pay two different bonds. If he was a regular nigga,

he would have sat in jail with these charges. He only got out because he has the means to yeah, you're right, and then outside like posting pictures with her ops and stuff like that, making making funny songs and ship like boy. Yeah, I don't know. By Ola Davis, she did a Netflix special event with Oprah and she spoke on her childhood, you know, hardships and growing up

knowing she was pooring she was so beautiful on there. Yeah, she looked good, and she lived in a home with rats and without utilities like gas and electricity, and she would spent a lot of time being hungry as a kid. That's a lot of story. You know a lot of people's story, I know. Yeah. And you know, as kids like in school and stuff, you never know, we've always had like the little stink kids in school or you used to be one of them, bitches making fun of

the not true. I distinctively remember a super stint white boy who was in in my class, and he had like a mullet mohawk type haircut, and he would smell like fresh do too every day. I never said anything like people would rag on him all day every day. I never would tease him, but I watched people tease other people all the time, like I never nah. I mean maybe maybe like maybe not him in particular, but I have defended people before, like y'all leave that motherfuck alone,

you know what I'm saying. But I would tease people I know that could tease back, like I like to go back and forth, like if you ain't gonna defend yourself, I'm not about to just be beating you down. But you know, as kids, you don't realize the struggles like students go through, Like some of them, the only meal they get would be the one they have at school. You know what I'm saying, Like, like once you get to be an adult and you see the struggles adults have,

like you realize like kids being that struggle. These kids be living in a car with their parents, not able to wash their school uniform every day. So I don't know, I don't know how you teach kids. I mean a little motherfucking people are mean. Yeah I was a mean girl, but to people who like to understand like the hardships of children and adults, and they just don't care, you know. Yeah. It's she also uh not not necessarily on this uh Netflix special, but she did discuss wanting a big black man.

Was that on there? Yes, she was manifesting her husband child from the South, and that's what she got. Big black man from the South who loved God, uh, who was athletic, so he was he was a retired football player, So she got exactly what he wanted. Like I know, people always tell us a manifest manifest sorry, so she got exactly what she wanted. So people always talk about manifesting, right,

but you gotta be real specific. You see how specific she was when where he was, from his bill, what what type of man he was, all those things and what she asked for. But I feel like a lot I've been listening. I've been very specific. God, if you hear me, you wrote it down, though, Yeah, I wrote it down. This in my Bible, This in paper in the Bible. So we're gonna see y'all gonna bear witness to this beautiful black man. That guy gonna see me this year. God, what if he like a little ugly?

You know, I've done a little I've done a lot of ugly, so I should do a little ugly. I don't like my man being as finest me though. So on the piece of paper in the Bible, did you put anything about penis size in there? I did not, So there you got a lot of money size. Penis size is not like a big thing for me. Like I don't need like the biggest dick. Maga, Like I mean, do I want? I don't. First of all, I don't like really big dicks. Anyway, he got like a humongous dick,

Like that's just not even like that hurts. I can't do that all the time. I want a I want the baby or porch, big, the medium size, the hamburgers. I did not add that. I don't know if I want to like talk about dick and put it in my bible, like you gotta be specific, gotta be specific. Well, you can just say you don't want a good lover. Yeah, okay, Yeah, that's that's what it's about for me, not the It's not about the size of the boat. It's the motion

and the ocean. Alright, real quick, there was a train on TikTok where black women with their white boyfriends calling them master. Have you seen that? What? I don't see a couple of black guys too, But why would It's like, you know what my first thought was, did somebody take the time to pull out all these different interracial couples

and then put that put that audience the pictures. You can't couples are doing it themselves, and and you know they think it's funny, like master, that's it's a jokey joke. You know. You see you see how those black women look, and that they look like the type of bitches that would be in a tetop calling that white boyfriend they masters, what the fucking nappylieve out? Get get your life, your bigs?

Just crazy. Yeah, I didn't think that, you know, but to Eastern own maybe if you have like a fucking slavery fantasy with your wife, master, that's your thing, girl, Just dumb, Where where's your daddy? You don't have to post it though, that's your thing. Do it privately. That's insulting to all black women everywhere. Girl, Everything that's not belonged on the internet. And that's why, that's why we have stupid internet. Sew. Thank you for content, you dumb nap. Yeah, alright,

I'm sorry, I'm sorry. Shame. Yeah, but let'sten. We got a super dope guest on. We talked back today helping y'all bitches and us bitches get our lives together. Y'all stay tuned. All right, y'all listen. So we started this year off a little bit different for season two and we talked back. Um first few episodes is kind of dedicated to our goals, which I believe we share a lot of the same goals. You want to lose weight. We talked about finances, real estate people, We had come on, uh,

what else did we do tam um friendship? We had friendship goals also, right, so um, yeah, we were trying to get back to that. Yes, okay, So we're trying to get back to helping everybody at ourselves with our new Year's resolution. So look, we're talking that today, not just any that. We're talking student loan that, y'all. Okay, because I know, y'all bitches broke like me from the student Loans exactly, y'all. We got the CEO of the Student Loan Doctor LLC and self proclaimed overdraft Queen Sonya

Lewis talk back. Hey girl, Hey ladies, Well I want to say former overdraft queen I've been working for No. We know that. We already know. Yeah, so why are you doing, Sonya? Tell our listeners about you. I'm good. I'm good. I'm checking in from Miami, Florida and my favoring police on Earth. Um. I moved here recently because it was just way too cool in Philly and I was just it was it was just a joke to come down here, guys. And then what happened was I

loved it and I kept extending my Airbnb. Now I'm looking at apartments. Then I went brought a Lamborghini. Like life just kept it really really pass and I think I just got caught up. I'm not gonna lie. I'm real caught up these days. But I'm having fun and teaching and helping people get out of student love them at the same time. UM so yeah, so what do you guys want to start? When I was real broke or like now I'm because likening you got started with,

you know, helping people with student loans in this industry. Yeah, how did you start the student loan doctor? Yeah, I was real broke, and so I just want to, you know,

emphasize that. Um. I was living like beyond check the check, like overdraft to overdraft and then some like almost had my account closed a few times, but guy stepped in and then I was like, you gotta get your money right, like you don't have to live like this, and so, um, I took a financial literacy class at church, and then I started helping people at the church understanding to the

loan that because that's my professional background. And then people started trying to send their cousins and their family members and I didn't even hear from the from the Lord, I still haven't heard this message to do the work for free. So I'm like, okay, he's not gonna I ain't never heard it. So I started meeting people at the corner of bakery. Now have you ever been to the corner bakery before? No? Okay, Cozy's like any any bakery. Okay, Well, you know in the bakery, you gotta find the spot

next to the plug, like yes, the stocking. And so what I had to do was I would go to work every day, I would run to the corner bakery and I would get the corner roof with the socket. Now, in order to secure this spot, I had to flirt for it. You know, I still owe somebody a date, but I'm never gonna catch it in. So you know, we got do some strange things to start your business. Okay, So that man I haven't heard about heard because I'm not.

You know, I'm excited to that to say I never did that, But I feel like he was gonna cash it on something, soons I had to get office. It was getting real weird because he would put this like reserve sign. I've never seen reserve side and a free bakery before. Again, I know he made that sign for you. He did. It was a little homemade, but we gotta just look at his heart. So pretty short. Um, I was telling people at the degree and I was charging, like when I get a little pai more than at

the job, I'm like this my ghost nowhere. So I started taking off work and open up my calendar and then people just started making their appointments and paying their money. So I'm like, okay, let me see what would happen if I took a week off. And so basically what I was doing is meeting with people, going over their student on debt with them, you know, breaking down the numbers, talking about repayment plans, forgiveness, and I would help them

call their lender. You know. They would talk of course, and we would set things up and it just really, guys, it blew up. In two thousand and eighteen, Um the Shade Room. Her name is Misha. She used to work for the Shade PROMP. She called me. It was like, tell me your story because I had posted something around Black History Time Black History Mother in February and she was like, oh, I love it. She's like, I'm gonna

I'm gonna post it now. I'm gonna be honest with you, I didn't know what the shade room was at the time or what it could do, like the power of the shade room, but that took our business from I would say, like a high five take your business to a six figure now seventh figure business. So I really do credit just social media for blowing it all the way up because so many people, particularly black women, need

help student loan debt. I'm a black woman and they're able to identify and then you know, we go from there. So yeah, that's dope. That is very dope because listen, everybody we know. I don't know anybody who doesn't have student loan debt unless they just even people who just went to a tech school or something like that. That That everybody,

we're student loan debt um. And I was telling Tam earlier that black women like, yeah, we got the most degrees, we got the doctorate degrees, all the ship dhds, but we go into relationships with a lot of debt that maybe our male counterparts and don't come with m Well, we could talk about that because I do what I call late night series on my page and we start talking at the tipping him the kids to sleep, if I say, you know, I started talking to me in

mentor women about like the debt, particularly they're student loan debt could be affecting their relationships and the quality there. Like you, you're laying next to this nigger, you like, you don't even like him, but you in the struggle, You're in the hardship. So you might be dating people entertaining people. You know what if you weren't broke based on yes and self esteem and circumstance, I would you selfuesteem?

You might think that, but your money got you in this location with Gertrude, ugly Gertrude, like a woman that sounds like an ugly nig. Somebody Gertrude, that ain't a woman's name. Give the sex in this case? Wait, wait, we don't know what people doing strange these days could be you're a sex I don't know. Pointed people are with people because they can't afford the lifestyle they want. And you know, I think students are a big part

of it. It may never say it, but they know, all right, what advice would you give students when they're applying for loans versus you know already in debt? So I so I have a philosophy, So borrowing determination equals career compensation, meaning you should only borrow your career is expected to pay back times too. So for example, a lot of our students, particularly our black students, go to schools that are not affordable. And I love our HBCUTH,

I really do. But the challenges when you're saying that you want to go to school in school called sixty thousand a year, but your financial aid is only twenty thousand, where is that forty cople from? And so then what happens is your mom. Let's say your mom is in her forties, fifties, she got her credit together at this point. Right now mom has to leverage her credit for a private loan, apparent plus loan, or pull equity out of

her home. So then the cycle of debt starts all over again when mom just got out at age forty and fifty maybe from her own student a day. So it's really a real cycle. So I often when I talked to students in the high school setting, I try to set realistic expectations about college costs. I'm like, if you need to go to community, it's a kay first. So here's the big heck. The same professors that teach at the community college teach at the four year institutions.

They're just on a different day at a different price. That's number one. Number two. The other thing is we have to start looking at our state schools. Our state schools are really nice, they're really well funded, but nobody wants to go to the state school They want to

go to the bigger schools, private institutions. And then when we see students leaving with eighty thousand, one hundred thousand and student loan debt for a bachelor's degree, now you can't get no home again, depend on where you want to live, the type of job, and your car not. Is like, it's like so many things that are impacted by those four years. Yeah, you know, I don't. I don't even feel like student loans actually exist. I mean

because no, I mean, I know they exist. But what I'm saying is, can our economy, can our government actually pay for every person who goes to fill out of fast for and apply to college as to college and get accepted to go to school. Is there really enough money? Because suppose every every teenager goes to college, right, it's really like a cash advance on your future paychecks. That's how I see it. Does the money actually even exist? Yes?

And no, So let's talk about that. So here's the thing everybody wants right now, the Biden administration to get rid of to their own debt. But the reason why that's not going to happen. Yeah, the reason why that's probably not going to happen to me be positive, possibly not going to be I've been here, is because there is no solution to stop the new generation, your cousins and your brothers, and your friends and family members from taking on debt. So how are we going to eliminate

the existing debt? But we haven't even started, you know, a solution for the problem for people going to school to spring what this fall? So until we answer that question, we can't answer the question of what to do if you already have the debt. So just they're creating new debt. It's like a circle. Yea. So it's like, yeah, and here's the thing. I believe that the government could do it because we have not paid student loans in two years as a country. Did anybody die out, like maybe

anybody gave no life went away? And so because life went on, it just goes to show you, it's possible. It's just it's it's something. But let me just say this. You know people hate when I talk like this. I don't really here. If you were to eliminate student loan debt, who is most disproportionately effective I still a loan debt. I'll answer for you. Yeah, minorities, black people, particularly black women. But you gotta remember still alan that is tied to

home ownerships, real estate investing. So you mean to tell me you won't let the person in this country that's most agreed be out here in these streets with no debt. Exactly. Yeah, I don't even sound right out loud. So we got for Nest, all right, we got for Nest, and well I didn't, but a lot of people, a lot of black people, particularly god Finesse in the last election because they thought that Biden wouldn't want to come through and

just cancel student on debt or you said a certain amount. Yeah, but again, yeah, politicians say a lot of things, and oftentimes they don't deliver on the on the promises they tell the people to get that vote. So what do you think we can do distance as students, because I know it affects maybe the millennials and gen Z the most right, right, So we just got this big gas weight over our heads for the rest of our lives lives essentially because y'all, Nick is getting fired allars from

me every month for the rest of my life. You but, like, what do we do to leverage leverage the vote in the future and even from this current decision? You know what I'm saying, Like, do we need to then lobby gen Z and uh, millennials need the non lobby. I do believe we do need to start holding these politicians, particularly this administration, accountable, and we do that by with

old than our vote. We do that by lobbying. We do that by being more vocal on the state level, right because there's money and funding that could help, because different states are creating different programs to get there Millennials and gen Z out of debt. The other thing is too, we are also not just wait on the government. And so what I tell people is you don't have a

student loan problem. You have streams and income problem. And people get a little offended when I say that, But what I mean by that is is that you can't rely on as a millennial or a gen Z to just have one job that's gonna take care all your needs. I've never seen it, like even if you make six figures, you know, positive living has gone up. You need to have your job pay for your bare expenses. But then you need another stream, and it's a job stream of

income you can attach to your student loan debt. Particularly for women. The psychology is men don't have as much student loan debt because they like laser focus and get rid of it right. Women do not separate student loan debt from their other expenses, therefore not prioritizing it. So I've been teaching women to say, hey, if you were to start doing I'm making this up uber on the weekends, right, that uber money goes straight to your student loan payment.

So a woman can can do something like that because we're saying, okay, this is separate money. This is an avenue for that money. So I think it's really just about teaching people, you know, one to hold our administration accountable, but to not just wait on them to do something. What can you do with your gifts and talents that you get paid for at your job and you know, and and the word entrepreneurship can be scary for some people.

But what can you do to bring an additional income to to live the life that you want to live. I wish they could go ahead and fucking repossess my motherfucking degree at where I put it out on the curved fool exactly, I'm picking up. It's not well, you know what, here's the things I got A few degrees.

I do better with this. I think that, you know, having a college degree is um and honor, like, it says something about you and it makes your family proud, particularly because we are still um, not many generations away from our parents and grandparents not having access to college. Right, So let me just see my story, quick story. My grandmother is um when she passed on. But she was one of seven and so it's fine. She trust me.

She had a great life, so don't be short. Her uncle had they were in South Carolina, had pulled them all together, all seven of them, and said, you guys need to vote which one is going to be sent to college. Now, remember this is back in the fifties. Ain't no financialating all that other stuff, right, So they voted for forties or fifties at this time. I can't remember them in the forties, they voted for my grandmother to be the one to go to college, so she

went to college. She said it was a big burden on her back to graduate because obviously, you know, she got picked and he cash paid. So then she became a school teacher. So then she made sure that the rest of my uncles and my mom um went to school or the military. So I grew up knowing only one of two choices, and my family either had to go to college or the military because that's what she was told. So it was a lot of pressure from up.

In hindsight, when I think about, like all my gifts and talents, do what I have needed to really go to college. Like me personally, I've been hustling since I was a little girl because I never wanted to ask my mom for no money. I was doing all types of stuff outside, making take carnival rides for dollars. You know, I never wanted the world. You know, it's the story for another day. But the point is I was always testling, Like I would be the girl that would bag up

the candy. I had a little candy, and then you I would buy them and rebag them because you know, you should have went to the story that morning. That's your fault. So but I got I got it for you right now, I don't even know this, not even selling. Let me find out she got that tapped on the candy. Listen, I'm so glad my mom always a nice neighborhood because you could have had me back something. Now, See how

acceptible I could have been, right opportunists? And I remember I got caught in school with the kendy like I had a book bag of kids, right, and the teacher was like, wait, what are you doing? So it's I gotta get out of this situation. So I was like, I said, well listen, I was like, my mom looked I hit him with I think my mom's the only I was like, my mom's a single mom. I was like, and I can't ask her for lunch this week. So I had to sell my candy. Do you want to

buy some kiddy? Period? Hear me? We only had two choices today, So what are we gonna do here? Stop? Or it could be worser, could be worse. I was telling something else some bad So anyway, the point is, um, if if you if you think about that, like I always was selling or creating some experience, right, I really

liked money, said I was little, Long city short. If my mom had knew better and and if entrepreneurship is what it is now, back then I could have just you know, been a millionaire long time ago, you know. So I'm gonna just forgive her for that, you know. And I think that's what the new generation is leaning towards, because we went to college because you know, some of our parents didn't. I know, Tam, your parents went to college, but my mom didn't go to college, So they're gonna

push you out here. But now our generation is leading, leaning more towards ownership entrepreneurships. I feel like the newer kids, like the younger kids are going to like, yeah, you can go to college, but maybe college isn't for you. Like personally, I wish I would have went to college later in life, like now you know what I'm saying, Oh my my late twenties instead of like right all right, right out of high school because I wasn't as focused,

so I wasted money. Well, definitely did two sophomore years. Fucking off. You said you let you left out a sophomore year, No I did. I did my sophomore year twice because the first year I was outside Tuesday, Wednesday, Thursday, Friday, Saturday, Sunday class, all right, here for class, and we both exactly we both went to a private black HBCU that at the time, that ship was eighteen thousand dollars a semester a semester. It was so expensive, and I was

out there sucking off. I did not have no I'm dying it was eighteen thousand a year at the time, because I remember, like I'm looking at my awards letter right now, seventy six six six six, like seven thou year this year was this I started to oh two, so thousand for the year because I went to school and then kept going up. Oh five, Yeah, that's about right, that's all right. Yeah, that's still a lot of money though. Yeah.

It was especially to just be playing with If I had the sense I have now, I would have graduated in two years instead of five. Exactly. You know. I think it's the thing, you know, the college experience, if done correctly, can never be redone in life. Like it is. It is something that you will like literally, I had a kick back last night and it was with my college friends and I remember it was so nostalgic, like,

y'all remember we used to do this and we've grown now, right. So, but that experience and those friendships and those relationships and then even if you really do it right, leverage them into your professional space. Um. For that reason, I wouldn't take back going to college. For that reason. The educational component, I can't you know, the friends, that's a I think it was just friendships and then learning people like I'm

gonna be honest with you. Go to college was the first time I really interacted with white people because I'm from the inner city of Philly, so I I might see one or two in high school and they were trying to be black. These was real white people and they've seen me either, you know. Then Oh my god, like literally the girl, my roommate, her mom and dad was so scared and I had ex her. I said, well, what do you know about black peopley what did you see?

And y'all remember New York reference, Yes, I said, Oh, we're gonna he no. So I asked, I said, have you ever seen the cars piece right right here? She was like no. I said, well, that's why I want you to do this weekend. I want you to watch a few episodes with your parents right over sides. She was like, she was like, okay, she came back. Girl. It was they have brought me some brownies now to eat them though, because I don't know them. But it

was nice though. They brought me some brownies and we were able to get along better because all she saw was red and TV. She would have never known about the cosmies, and I think it made it feel better. Yeah, that's funny. Hi. Uh, my parents brought some fried chicken and watermelon for you back because we heard you like that. They bought me brownie. Said that was staked. If they would have been some fried chicken. Oh hell no, like, oh my god, how did not even eat it? They

brought brownies for a brownie you order something? Her Facebook message, I got time, so listen. What are some things that I from consolidating? Because I never consolidated my student student loans? Okay, So two part questions? Is it okay? Just should you consolidate with a third party lender? Um? If not, what are some other things you can do aside from repaying that's with yourself or consolidating? Was because I got a

few ideas myself. But I just have an executed I'm gonna give you all a big heck that I only teach, and I'm nevern being funny when I say this. Now when I get paid thousands of dollars. So and this is everybody listening, and they really smart deal like Paul of the podcast and go run and play and come right back. So here's the thing I want to talk about the first question though, because it's where people get

in trouble. Consolidating with the federal lender is okay when you talk about refinancing your loan with somebody out of the federal space, because they try to make it seem I guess the same thing that's not okay. Let me get an example. I had a client who did not want to listen to us. She was like, well, I had good credit, I'm gonna refinance my loans. She did it right before the endemic. What do you all things

happened with the pandemic? Kid with her loans because she took me from being federal No no, no, not not just that she couldn't take a she couldn't take advantage of the more matorium, Oh because her ass went private. Kay. So two years, she would have had to not make a payment, but to make a payment get on top of the principle, which was what I hope people did during this pandemic. I know they didn't, but I hope they did. She couldn't do. She still had to pay

like she wasn't in mhmm mhm. And that's why I tell people you have a lot of STUDI loan that I don't care if you got a good credit, leave them in the federal space because if UH signed Executive Act gets passed tomorrow, your asks ain't a part of it. Mm hmm. So that's a part of it all right. Now, let me get my hack. This is what I call um the entrepreneur loan forgiveness hack. Now you don't have

to be trepreneur to do it. It just is a really good heck that if somebody was thinking about entrepreneurship could start their entrepreneur journey. I would recommend it. And how the heck goes this basically long story short. Let's say, um, okay, guys with ma fac I'm gonnapy, I'm ann pull yeall in. For the example, it's better when I post somebody in Okay, do you guys, have a business or business your thing

about starting? Okay, give me, I'm I'm about to play all right, talk back the podcast right, and you monetize the podcast, right? Okay. Now, let me ask you a question. Have you ever thought about doing something really good with this podcast in terms of like being a like a giveback, like being a good giver in some type of way, like anything you ever wanted to do if you if money wasn't a thing and you wanted to use this platform to give back, what would they look like? Um,

I don't know, yeah, something that's not monetary. So let me give you an example. This is what I do for liver it. Let me run a play for y'all. So let's say we're gonna donate to us to do something with this business, right, No, not your shoe? No no, no, no no, don't get ahead now listening, I really teach you rele like, so I'm like, no, no, no, come on,

come back, I listen. Let's say we took this podcast, right, and we and we wanted to actually set up in it's set up a tour and on the tour we had a live episode taping and then the next day we had some type of sister circle meet and I'm making this all the way up right. M Now, that could be paid for through your nonprofit where women, ages, whatever whatever could come and could fellowship, could network. That's

a nonprofit you could start for that. So the podcast is your fore profit instity because you are making or would like to make profit with this. But let's say you really wanted to really touch the women in those particular cities and do would call it a talk that kickback? I don't know, I'm making this up right, yeah, thank you? Yeah right. System. Now let's say you're like, all right, I gotta get some sponsors for that, but maybe initially you don't have any because they need to see that

this is a proven concept that works. Once they see you go to Atlanta and you put five hundred women in the room to just talk about real women ship. Now, Cola Cola want to sponsor you, right, but we didn't get that far initially. Let's say the venue cast a thousand. Let's say refreshments cost five hundred, and um, you extended day at the hotel was three hundred. That's eight hundred. You'll follow, the for profit would pay the non profit the hundred, So Now you just made a really great

text right off for your for profit number one. Number two, guess what you just made you too eligible for donations, So get to get paid through the nonprofit. No, let's go back to student forgiving. Now you're eligible to enroll yourself and the public service now forgiveness programs. You got real money coming in. You do take a stiping pay other than nonprofit to show you got paid. It is not free. And now you're eligible for the forgiveness program.

And it's little nuances in between there. I'm skipping, of course, but basically that's the general concept. And so what I've been saying to entrepreneurs because so many people want to go into entrepreneurship but are scared because of your student loans or whatever. Start your entrepreneurship journey. But I think that every entrepreneur, every business should be thinking about what I call a nonprofit armed. The nonprofit armed sets you up to have taxes written off and sets you up

to have public service don't forgiveness success. So not only are you being a great giver, you're also giving back to yourself. Girl, you just the motherfucking juel. Y'all heard the bar. Yeah, So we all about to have five of one C three is now literally this is what this is what the rich, the wealthiest business incorporations do. I didn't see anything that was super deep. I just said it, so that was tangible for you to be

able to go do it and run the play. And the person that's listened to this as really savvy, they're going to go do that because I just told you one. Would you rather pay your nonprofits to advance your calls? Or would you betther pay the I R s you somebody got the money gotta go somewhere. Anyway, mine as well go to being a great giver. Interesting, but I've I've done a little bit of research on that, but obviously I haven't implement in that. I got a lot of a lot of students on that. Okay, a lot

of students on that. I think you guys can do it. And you know, the one thing I was looking that was the have you heard of this is the borrower about? Yes? Mm hmm. I feel like the college we went to, the h b c U we went to it was a lot of shady ship going on over there. No, I believe you. So here's the challenge with the Borrower's sense program. There has to be a substantial amount of evidence or accusations for the Department that add to look

at it. So you really had the time to submit application. It's not on the instant. But if you got your your colleagues at your school, your classmates you're still in touch with, to do the same application the same way. Now the Department of Education goes, oh, let me see what was happening at that that it's private school, and that they investigate and ask for the certain things. You guys said what was happening to be verified and the

college couldn't. Then you could present a case for Borrower's defects. But then that could uh damage the reputation of the institution that they already damaged over there how many times it was about to lose accreditation. Have fun and they're probably they're probably weren't gonna HBCU though you're not gonna do that. They don't care about damn student loans. I still love my college. But but but the school closed, don't know, I'm joking the school Kirk did they die? Thought? No?

No school. So here's the thing, let me get a real example. It did happen before with I T T Tech. So remember when I T T Tech closed down. That's why because so many substantial claims came in that the government did this. They do what's called pull back. They said, you guys can stay open, but you're no mong we're going to receive financial aid from us. How many people do you think can cash pay right? Zero? So after one semester now the school had to close down because

the government took the financialate away. Would you want to be respond possible for the closing of your HBC You don't care. Damn no, I wouldn't want that. I think though, if it was a real issue and it has a nasty bit just working and financially, I can't fly. Like I said, they had some nasty financially Like listen, they used to be in there trying to handle you as if if they don't get your paperwork right, like you

don't get paid if my paperworking right, ma'am. You know, like if you don't get my financially sent you, this is how you get paid. So why are you treating me like I'm like the problem? You know what I'm saying? It was real? You know what I mean over there? This is what happens why we don't sometimes properly train our stuff. But to the other thing is if you're dealing with people that are first new to school for the first time, most people um and still they're still first.

There's there's no edicated on what college experience should be like. So now what you did at the doctor's office in Philly or what you did at the week office, you think it's okay to come to the college and talk to these people like that. So then we get dis frontal college workers because you got dispontor people coming in talking like they're crazy. It's just a cycle. I have a whole year that I did not attend college that I would charged for. How is that possible? You see

what I'm saying. No, no, no, that's not legal. No exactly. So if I approved that to FED loans, well you couldn't for the complaining with the department to add and on a case by case, it's possible they could reverse those charges for that year. Yeah, if you got a whole twenty thousand dollars for a year that you didn't you didn't sign any paperwork or nothing for it, and there's definitely something Yeah, so I didn't get done. So who else did y'all do that too? You see what

I'm saying. If you're not paying, who else did y'all do that too? To get the funds I'm not paying for that, I would definitely say something, Yeah for sure. So okay, what is a better option and help people understand what the difference is when a with a subsidize it subsidized and unsubsidized federal student loan. Yeah, So the thing is, it's not set up to be an option. What it more so set up is and says is with this subsidized loan debt um, the government will pay

part of your interests while you're in school. The unsubsidized says, we will let you borrow this money, but we are not paying for your interests. And so we find that people have to take both loans because they need to pay for the total mail. Oh but if you're aver in a situation where you have scholarship money and then you only have to take out a subsidized loan, that's a lot better than taking out both. So some people

have to take out both. Most people had to take out both loans and say it that way, But if you ever had the option, then I would do subsidized because you want the government to cover the interest. And see even like that, you were we remember subsidized and unsubsidized on our award letter. But did anybody in financial aid, any counselor ever explain to you the difference between the two. No, you know, I don't remember. I don't know. And honestly I was That's what I'm saying, Just what can I

do to get in school? What? Yeah, like sund me up or whatever so I can stay in school, you know, And that's not that's not counseling because mortgage lender wouldn't do you like that. You know what I'm saying, right, So you took words in my mouth. Uh, Students going to school, it's just like older adults trying to buy a home. It's the same zest like I just gotta

get this home. I gotta get into this school. And and the thing is even parents, um sometimes put false pressures when their kids to go to school, and so nobody's really doing the math or care about the math per se, and signing away their life and not reading, and then it just becomes the train wreck. Yeah, minded,

and my mama was not having that ship. I remember going to the dorm and my oldest sister who had went to college, she was like, um a J Well, Ashley, you need to come home because that school costs too much. I just put my ship in the dorm. She was like, just come home, go to school for two go to tech for two years, and then if you want to go to a four year do that. But I wanted the college experience. And you know what, my mama said, I'm not paying for your ass to have an experience.

Period of My dad might have took out a five thousand dollar loan and that's it. Everything else I had to pay for. You had to come home. Yeah, I feel like, yeah, I just paid for school, so unsub pale grant. Uh, just anything I could sign my name to that would make it. That is me. I did m Yeah, so for me, my mom got really sick my senior year, so I had to week like it was like no money because I didn't believe know how to thought the fast. But this is when we was

doing math paid for and ship. It was weird. So I was going to get put out of school. But my my financial aid counselor called me and she was like you need to come up um by the end of this week. She was like, with some money for next semester. I'm like, now where would I get that from? And she was like, you need to knock on every door on campus and see who has a scholarship. Like

imagine get a call like that. So I only owned one pair of sneakers at the town because I was so girly, which is such the opposite of what I am now. I love sneakers, right, So I had. All I had was like hills and little kit Hills. I don't know who I thought it was. I get I watched too much to you day m So I was like, let me put my speakers on. And I went and knocked on every door for a whole day. And I got to the last door and her name was Miss

Debbie and she said, what's your g p A? And at the time, my g p A was like a three point eight. And she was like, she said, what activities are your part of? So I started telling her all the activities I joined because I was bored as hell. And she was like, okay, She's like, I'll let you apply. She was like, I need this essay back in two hours. So at least I knew how to type, so that was a good thing. I typed it up and handed

it in. She said, come back in two more hours and I'll give you an answer if you or another young lady got to scholarship. Long story short, I get back there. She was like, um, sonya. Now, do y'all think they called losers first, right? I was like, they don't call Lucifer's. I was like yes, she was like okay, she was like congratulations. I'm like, oh my god, thank you. The girl like storm Soul starts cussing. She's mad, so she doesn't like you. To the death song, she said.

I didn't know why she was mad. I guess how much the scholarship was for a full ride? Wow, a full ride. I was just sitting there waiting on somebody on the knock on the door for it, literally knock on the door, like every door. And I was about to quit and give up on knocking on doors because I was tired, my feet was hurt, my campus had heels and it I'm so, you know, I gotta go

one more here. I can't do it. So I did it, and I'm glad I did it because again, waiting at the end of it was a four hot Yeah, yeah it was. It was a real one. I still remember that day. And then I said, excuse me for a minute, and I had like this whole praise dance and shout. I had to call my grandma back. I was like, tell unclad, he ain't got to come to them all was coming to get you in your ship he put out.

So like a lot of big companies, they offer like paid therapy sessions for their employees and families to help manage their work life. Balanced the lack there of anyway. So with student loan debt counseling, you would think that, you know, major corporations and companies would have something like that at their headquarters or something. Have you appeared with any major compan be these the one book? One time we did one it was a nonprofit and we did some work for them UM and it actually was a

really great relationship. It's just when the budget came back in, it wasn't space for it. UM And what I find by started my own counseling service. So this week UM people had and will paid for it and we're actually not even terribly expensive. And I did it on purpose. UM because I what I realized is there's really no place you can go and have somebody break down your student loan debt and some solutions without them asking for

a payment at the end. And we didn't want to be that service for anyone, Like we didn't want to work or or be aligned with the student loan lenders. We wanted to be for the people, so we can tell the people what the best thing is to do and not to do. UM. So, yeah, I think it's a great service. I'm sure in different states there are things and companies like it that exists more on a

corporate level. But let me really honest with you guys, Like when I started my brand, I never wanted to change me or my personality and how I wanted to serve people. So I've always been very very careful with partnerships, um, with taking money from people that don't look like me, so they can't control my narrative and how I teach.

Because if I want to get on I g live tonight and say buck them loads, like I might want to get on there and say something radical like I need to know that my money and my payroll for my team ain't gonna get cut if that makes sense, and so I was, and it took I've been a business,

how six years? It took four years to be able to be really comfortable to say I can do this pay roll pay my people, you know, six figures were close to it or and it be from the muscle like I was really really adamant that I didn't want to work and be aligned with certain companies because then you know, you got that little carrot over your head. I don't want to experience right now, let me ask you this. There's people who went to college the wreck of artist dead and then this went on with life

andself forgot that ship and forgot about it. How did they even find out how much they? Oh? Like, they wouldn't even know where to start or how you running their debt? So the best place to go is to call as a place called student aid dot gov. So student aid dot gov allows you to see all of

your federal loan debt. You also can get an annual free credit report who your credit and see what still loans come up when your credit as well cost compared to to make sure the information looks the same um and then you you know, these accounts are free of course and then you want to find out based off of your credit report, whereas to the A report, who your lender is, and so then you want to create your lender account and putting your basic information and your

loans will come up. Right, All these things are really important to know how to access. And we'll be doing more classes on our platform that really show people how to get into their stuff again because it's been so long, or maybe some people have never But the thing is, you don't want to be a passive participant and the repayment of your loan because once your loans going to default and they just actually cleared the fault all the

fall alans recently. But if if you when this is over and your loans happen to go into default, it stops you from being able to buy a home. It stops you from being able to have good credit. It's on your credit report though, right, Well, no, so that's where people get this messed up, So on you, That's what I'm saying that, right, So, after it gets to a certain point, let's put it that way, they leave your credit a point and if you now, if you're at that point, let me just put it that way.

Just know, with the recent change with the Biding administration, it's going to come back on your credit soon. Now that's the better Prove it just like any other day. Prove it right, because yeah, it's a good and bad thing. So if it comes back on your report again, you can go through the process with credit and get it off. But remember there is the consumer report is what you're talking about when you go to buy home. There's another report that they look at. It shows all federal holdings.

Right now, if you were just saying, well, so I'm just trying to get them off my credit because I need to go buy our car, go ahead. It car dealership could never see it. But when we started talking about investing her holy certain government licenses for work, it will show up, right mm hmm. Until then, you know, catching weekend so bad. All right, listen, we appreciate you, saw you for coming over. We talked back. Let out. Yes you are a delight. They can find you at plug. Yes,

so go to Instagram and stud alone. Doctor. Um all the fun list here. Our website is doctor. Please help me that come Um, I don't know, just google less you'll find us. Um. It's just a little black girl that changes here. Styles every so often. Um, it's still me. Phones don't change. I never look like any of my photos and I got work for it one this year. One day is flocks. I'd like this now it's girl. The point is, you know, just look for the name

studan doctor. Um, and then this I tell people, like, if you know you need us, and you know your friends need us, don't go on a crusade because you heard that episode. Just say, like, I think there's somebody should check out, drop them off. They will find their way to my d MS to help on your own, and then we could just take it from the air. So it's gonna be good. Did you plug your Instagram out of here? It? Oh the student loan doctor Okay, were in there? Yeah, man, go and check her out

for really help your talk out talking to these niggas. Boy, we got all the student loan debt. Oh, we got to do a whole class on We need to do it. We know what we need to do. Some speed dating on some student loan desk, speedy and like that. You know when credits impose you again. All right, y'all listen. If you enjoyed this episode, please tune in every Thursday on the I Heart Radio, Apple, Wherever the fun you get your podcast at. This your co host, A J

Holiday two point oh. Follow me on Instagram, A and y'all, this is official. Tim ma'am on Instagram following me. I love you guys, Thank you all for listening, and y'all remember, speak now and never hold your peace. Viruses