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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

President Biden Extends Student Loan Repayment Again!


President Biden has extended student loan repayment again. In case you had forgotten, interest and payments were set to resume on September 30, 2021 but now this has been changed to January 31, 2022. Another extension leaves me to believe that these loans aren’t going anywhere. I mean think about it why wouldn’t Biden just cancel them at the end of September? Why does there need to be another extension? In case you can’t tell I have lost all hope in student loan forgiveness. I actually started paying on my student loans in April 2021 and my balance has decreased by about half! I had five student loans through FedLoan Servicing and I am on number four of five. My ultimate goal is to have them paid off by the end of this year and I am working incredibly hard to meet this goal.

Figure 1: This is a thumbnail of my YouTube video “Student Loan Repayment Extended Again!” where I am wearing a black shirt with birds on the front with my hands folded in front of me with a suspicious look on my face while sitting at my desk.

What does this whole extension mean for student loan forgiveness? Are you still keeping the faith alive? Do you have plans to tackle your student loan debt? For me personally I am tired of giving my hard-earned money to someone else and I want to get rid of this debt so I can reach my financial dreams. It seems like I might be the only one who feels this way at the moment! Why do you think so many others have just given up on even attempting to pay their student loan debt? While I understand some people’s balances are astronomical, anything can be accomplished with effort.

This is a photo of an orange stick figure wearing a graduation cap with a student loan ball and chain tied to his ankle.

You may not know this but FedLoan Servicing will actually stop servicing student loans at the end of their contract. While I’m not quite sure what all this may entail I do know that typically with new companies come new policies and procedures and I want my loans to be long gone before that happens!  The student loan debt crisis seems to be never ending for us millennials and many people have truly given up. While my faith has dwindled in student loan forgiveness my mindset has broadened in my abilities to pay off debt and to pay it off quickly. Are you interested in learning how I’ve been tackling my student loans? Drop down in the comments and let me know if you want to create a plan to expand your own financial goals I’d love to tell you how I plan to get there!

Figure 3: This is a sign that reads “Financial Freedom Just Ahead”.


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