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TWO DAYS LEFT! IF I WERE YOU I'D TAP IN NOW.

While we wait on the payment pause here’s a list of action items to make sure you’re on the right track for forgiveness regardless of what the government decides. As I stated we can help you with any of the following.

I do believe that eventually it will be past but in the interim, consider that if it’s not we are going to have to keep these balances. Here’s how to beat them at their own game: 📝

1. Take the loans you do still have and consider what it would take to them to look better on your report

2. Consolidating can increase your credit score by combining multiple loans over many years into one current loan. This is crucial for my future homeowners and their debt to income ratios looking more favorable. A lower debt to income ratio means more house.

3. If you went to a school that was closed by the Department of Education those loans can still be removed regardless of what the government is doing with the 10 to 20 K in Bidens plan. This is a separate process and once they hopefully approve the 10 to 20 K you will get double forgiveness. The loans forgiven from the school that were closed and 10 to 20k towards another school.

4. PSLF (although not as good as it was prior to Halloween) is STILL effective at removing balances. Yea it will take longer, BUT if you’re going to be on that job another 3 to 5 years it’s well worth.

5. YOU CAN AND SHOULD BE GETTING ANY DEFAULTS YOU HAVE REMOVED. Tax season is approaching and I need you to know they will be garnishing income tax checks based on defaulted accounts unlike last year.

6. Late payments are unnecessarily dragging your score down and can drastically hurt future homeowners as well as the other items mentioned above. Clear those up immediately.

7. We all know in two months the payment pause will end meaning your payments are back to the cost of your first born. If it’s in your budget then ball out sis! If it’s not, or if any of these other issues are a problem for you contact us.

This is the stuff I live for! Loans erased as of two weeks ago and this is the FIRST of many increases she’ll receive. So proud of this happy client for trusting the process and doing her part… She’s about to takeoff right with her credit score! I would tag her but won’t for client confidentiality. Go head Ms. M!

**kmystudentloans **kmystudentdebt **kmystudentlife

Looking like a your debt to income ratio bc you have too many loans that need consolidating. BAD!

Biden Student loan forgiveness updates:

🎓 Yes, this forgiveness can be combined with other forms of forgiveness for a double dose of loan removals. Doing that for several ppl as we speak.

🎓 As I predicted in a previous post…North Carolina, Mississippi and ar least 13 other states view forgiveness as “INCOME” & will be taxing per the dept of revenue on state taxes. Arkansas Minnesota and Wisconsin are undecided. NY 🗽and Hawaii 🌺real af and have decided they will not!

🎓 The app will be available by early
October
🎓After applying expect forgiveness in 4-6 weeks

🎓It’s best to apply before November 15th in order to get forgiveness before the payment pause ends December 31. Why make extra payments?

🎓applications will still be processed after December 31 but you may have to pay on your balance since the pause ends

🎓 Don’t over or under divulge and screw your self outta the 20k. If you want to ensure it’s done right. I’ll be completing the applications as well. Reach out!

🎓They are also trying to see if anyone with less than 12k in student loans can be totally forgiven after the balance has stood for 10 years. More on this later.

🎓You will have until 12/31/23 to apply. Slow 👣 don’t eat!

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**kmystudentloans **kmystudentdebt **kmystudentlife

QTNA: Biden/Harris Loan Edition

**kmystudentloans **kmystudentdebt **kmystudentlife

Let’s do it uncle Biden 🙌🏾