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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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More Student Loan Forgiveness From Mr. Biden?!

Alright y’all the Biden Administration is back with another poke at student loan forgiveness. This time with a complete overhaul of the Public Service Loan Forgiveness Program also know as PSLF. This overhaul could provide immediate relief to over 22,000 folks!  PSLF is for eligible workers within public service i.e. police officers, government workers, and teachers who made 120 payments (10 years) on the right type of loan and that were enrolled in the correct payment plan. 

Figure 1: This is a thumbnail of my latest YouTube video on “More Student Loan Forgiveness from Mr. Biden?! where I have a curious look on my face next to a picture of Joe Biden.”

The problem is that only 6% of people were being approved for PSLF in addition to a world of other issues. Many people were also denied due to paying on the incorrect loan, not being enrolled in the correct payment plan, and working for the wrong type of employer. With Biden’s overhaul individuals who were paying on the wrong loan or enrolled in the wrong payment plan can now have these payments counted towards there 120 payments if they work for an eligible employer. To take advantage of this borrowers will now be able to complete a PSLF form by October 31, 2022. 

Figure 2: This is a photo of a document that reads “Public Service Loan Forgiveness Program next to a pen, calculator, money, and yellow book.”

Now, what’s my thoughts on all this ? I have noticed a trend of student loan forgiveness only being provided to certain groups and not the widespread forgiveness that we were all hoping for. Therefore I’m paying off my student loans! Considering I’m on my last loan I don’t plan on waiting around for anyone to do the work for me. What are your thoughts ? Will you be affected by Biden’s changes to PSLF? Drop down in the comments and let me know! Be sure to check out my latest video below!

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