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The Mid-Semester Crunch

  It’s the week of Thanksgiving and everything you could imagine is due or very close to being due! I remember being here as an undergrad student; I always felt the most stress around this time. Now as a doctoral student, this stress is gone because I have turned in everything early and my semester is almost over. I figure someone reading this is probably running around like a chicken with their head cut off so here are a few tips on how to beat the dreaded mid semester crunch. Figure 1: This is a thumbnail of my latest YouTube video where I am sitting in my office looking at the camera with a confused look. I am wearing an orange floral top, with silver hoops, and my hair is short and curly.   First things first have you checked your grades? Around this time, I find that many students do not know their grades and are hoping for the best. While I appreciate the optimism, it is important that you actually know your grades so that you can make informed decisions on your next steps in cas
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Biden Just Forgave 5.8 Billion in Student Loans!!😳

 So as you all know I have completely lost hope in student loan forgiveness at this point. With another extension and no word on loan forgiveness I have just given up and decided to pay my student loans. However, some news from the Biden Administration last week has somewhat restored my faith. Just last week Michael Cardona, The Department of Education’s Secretary announced that President Joe Biden would be forgiving 323,000 individuals student loans! This equates to 5.8 billion dollars in student loan forgiveness y’all!

Figure 1: This is a thumbnail of my latest video “Biden Just Forgave 5.8 Billion in Student Loans” where I am wearing a green shirt with my hair in a bun and a surprised look on my face.

Now if you are a person with a significant and permanent disability that prevents you from working then you are eligible for this loan forgiveness. Previously individuals with disabilities could apply for loan forgiveness through the Total Permanent and Disability Discharge Act of 1965 however many borrowers never knew this even existed. Fast forward to August 2021 PWDs no longer have to apply because this will happen automatically through a Social Security Data match. For borrowers who were already receiving SSI the data match will be applied through June 2021 and forgiveness will occur sometime in September 2021. 

Figure 2: This is a photo of Michael Cardona, The U.S Education Secretary. 


 Now I know what your thinking, Ms. Duggan I don’t have a disability and I still have student loan debt ! Think about it though, previously PWDs had to apply for this type of loan forgiveness and are now having this applied automatically through a data match. What else can the Department of Education data match to see who can afford their student loans? I think this opens up a whole new world of possibilities that I actually have a new found hope for. Now don’t get me wrong I’m still paying on my loans but could their be a new glimmer of hope ? What do you think ? Drop down in the comments and let me know! Be sure to check out my latest video and share with someone who could use this information! 

PWDs= People with disabilities 

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