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The Department of Education Changed the rules for student loan forgiveness

 The Department of Education has "silently" changed the rules to student loan forgiveness that will affect at least 800,000 borrowers. On September 29, 2022 the Department of Education made a few changes for those who obtained the Perkin's and Federal Family Education loan.  Here is the language directly from the Dept of Education "As of September 29, 2022 borrowers with federal student loans not held by ED cannot obtain one time debt relief by consolidating those loans into direct loans". Previously individuals who did obtain theses loans were able to receive loan forgiveness. Figure 1: This is a thumbnail of my latest YouTube video "Student loan forgiveness guidelines have changed" where I am sitting in my office while looking at the camera with a suspicious look.  Many speculate that potential lawsuits could be the reason why the Dept of Ed has changed it's language recently. Long story short the banks who insured these loans will not receive an

De-Stressing after a Natural Disaster

 

(This a photo of me meditating with my hands in a praying position and another photo of me with my hands massaging my temples used as a thumbnail for my YouTube video on De-stressing after a Natural Disaster.)

 


De-stressing after a natural disaster is beyond necessary to get yourself back on track. After last week’s snowstorm, it took me a few days to get back into my normal routine. In today’s culture we have a “if you fall off get right back on and keep going” state of mind. Nevertheless, sometimes we need a break and a moment to reset. Staying in a shelter to keep warm and being without a power for a few days will definitely warrant a break!

While it was not the easiest experience, it honestly was not the worst. If you have ever experienced a tough situation, you know how important it is to not become overwhelmed.  Here are a few of the things I did to keep my spirits up:

1.      Stay busy! I kept myself so busy by completing schoolwork that even the other people at the shelter gave me a pat on the back!

2.      Spirituality. I read my bible and prayed throughout the day. I tried to focus on what God may have been trying to show me.

3.      Positive Thinking. As uncertain, as the situation was I reminded myself that things would get better and most importantly I expected them to get better!

Check out the video below for more information on how I de-stress!

 

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