Ramsey Show Reacts To Student Loan Forgiveness (Was Dave Ramsey Wrong?)
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The Ramsey Show Reacts To Student Loan Forgiveness (Was Dave Ramsey Wrong?)

NAACP president and CEO Derrick Johnson joins the show to discuss President Biden’s announcement of student loan debt cancelation. » Subscribe to MSNBC: http://on.msnbc.com/SubscribeTomsnbc

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The Problem With Arguing Against Student Loan Forgiveness | Zerlina.

Here’s my full interview with Mike Rowe. We discuss a range of topics from lockdowns to why college is often a waste of money.

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You’ve heard the mantra “safety first.” 

Politicians use it as the justification for Covid lockdowns. 

Mike Rowe, former host of "Dirty Jobs”, has his own slogan: “safety third.”

Why “safety third?” It’s easy to save lives, says Rowe, but LIVING life is more important.   

I made a couple of short videos with Rowe. 

But he has a lot of other interesting things to say.

So here is our full interview.

Mike Rowe on Lockdowns, Safety Third, Dignity of Work and College Loans

I don't know about you, but I've seen a lot of "gurus" making videos about "HOUSING MARKET CRASH 2021,"  and how a tsunami of foreclosures is coming...  What I don't hear people saying is the truth.  You'll get that in this video!
#HousingMarketCrash2021

Question of the Day: 
What do you think will happen in the 2021 Housing Market? 

Join me as I deep dive into the facts with you to help you know what's really happening in the housing market so you can make a well-informed decision about your real estate goals.  
#RealEstate

In this video, you'll learn about the forces shaping the 2021 housing market along with very helpful insights about buying a house in 2021 - if that's right for you.  If you're ready for the real housing market 2021 forecast and not the hype - this was made for you! 
#HousingMarket2021Forecast

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➜➜➜ SUBSCRIBE FOR MORE VIDEOS ➜➜➜ 
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✅ Watch Next ➜➜➜ 
https://www.youtube.com/playlist?list=PLRT4sgnCVqNeGP_G3bc0vaVFM3leUfdWy

📒 Show Notes 📒 
1.  0:00 - Intro + Commonly asked questions from home buyers and sellers about the real estate market. 

2.  2:20 - Quick overview of the topics in this video and things to keep in mind.

1.  4:13 - Topic 1 - The Health of the Housing Market

2.  5:26 - Topic 2 - Housing Supply vs. Homebuyer Demand

3.  12:41 - Topic 3 - Housing Demand vs. Home Affordability 
a.  If you're a first time home buyer, you'll want to deep dive into this section along with Topics 5, 7, and 8.  

4.  20:13 - Topic 4 - Mortgage Delinquencies, Forbearance, and Foreclosures
a.  What you need to know about mortgage forbearance:  https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/cares-act-mortgage-forbearance-what-you-need-know/
b.  Mortgage and housing assistance:
https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/

5.  37:47 - Topic 5 - Mortgage Rates in 2021
a.  Mortgage Rates Chart:  
http://www.freddiemac.com/pmms/#
b.  How much home can I afford?  (Here's a calculator & an example to help)
https://mint.intuit.com/tools/home-affordability-calculator/

6.  45:53 - Topic 6 - The Impact of a COVID 19 Vaccine on the US Housing Market
a.  CDC Vaccination Tracker:
https://covid.cdc.gov/covid-data-tracker/#vaccinations

7.  48:16 - The Biden/ Harris Administration

8.  55:55 - My 2021 Housing Market Predictions 

Thank you for watching,
Andrew Finney
Trusted Real Estate Advisor/ USMC Veteran
S.0173260
www.andrewfinneyteam.com 

King Realty Group
6955 N. Durango Drive Suite 1004
Las Vegas, NV 89149

Disclaimers/ Credits:
At the time of production, Andrew Finney, S.0173260, is a real estate salesperson with King Realty Group (KRG) in Las Vegas, NV. Andrew's videos are his own and do not necessarily represent the views and/ or opinions of KRG. The purpose of Andrew's videos is to educate you and help you make sense of the real estate process.  I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. If you have questions about home loans, real estate, taxes, financial advice, real estate law, insurance, professional trades, or any other services, you are advised to reach out to the appropriate professional for further counsel about your own unique situation. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or any other and may be outdated or inaccurate; it is your responsibility to verify all information for yourself.  We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that is free from error.   Linked items may create a financial benefit for Andrew Finney Team.  Any use of other media is by fair-use or license only.  This is not an advertisement of property for sale.  Any mention of properties listed for sale or otherwise shall not be construed as anything other than an opinion for entertainment purposes only. You expressly agree not to rely upon any information contained in this video – it is for entertainment purposes only.

Housing Market Crash 2021 - What THEY AREN'T Telling You! (The Truth)

It finally happened. The Biden Administration announced broad-based student loan forgiveness. In this video, I discuss who qualifies and the catch.

The Dept. of Education states that they will have an application portal up in the coming months (before the end of the year) for people to apply. There will be a batch of forgiveness for those for which the Department has qualifying income information. The portal will be used to gather income information for others.  

It remains to be seen if there will be any lawsuits challenging the authority of the President to authorize such forgiveness. 

Matt Berkus is a Colorado licensed bankruptcy and student loan relief attorney with 19 years of experience. I offer free phone consultations to residents of Colorado for the purpose of bankruptcy. Click on my website for additional information and for the phone number to call and schedule. 

My Websites. 
HTTP://mattberkus.com
HTTP://mattberkus.com/contact.html​​​
HTTP://personaltouchbankruptcy.c​om

I offer student loan phone consultations for $169. I primarily help those struggling with repaying student loan debt or seeking to settle or cancel their student loans.

Biden Student Loan Forgiveness, Who Qualifies, What's the Catch? Student Loan Lawyer Explains.

The U.S. has roughly $1.57 trillion in student debt. Some Democrats want to create student loan forgiveness plans that make that, or at least a large portion of it, disappear.

Canceling student debt has gained steam with 2020 candidates vying for the votes of young college-educated Americans. On April 23, Sen. Elizabeth Warren, D-Mass. was the first 2020 presidential candidate to unveil a plan to erase large portions of student debt.

But what would it actually take to eliminate a big chunk of government-held student debt, and is it really a good idea?

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Student Loan Forgiveness: Can The US Erase Student Debt?

Student Loan Forgiveness: Can The US Erase Student Debt?

Student-loan Forgiveness

College is more expensive—and important—than ever before. Some 44 million Americans collectively hold nearly $1.6 trillion in student debt. And these numbers are growing. This decade alone, college costs increased by 25% and student debt increased by 107%. Today, college graduates earn 80% more than those with just a high school diploma. That dichotomy is putting students in a difficult situation: Do they risk going into crippling debt at the beginning of their adult lives in the hope the investment turns into a career financial stability that goes with it?

Some 44 million Americans collectively hold over $1.6 trillion in student debt. And these numbers are growing. 

At the same time, advancements in technology, especially automation, are making it harder to earn a living wage without some type of advanced degree. Today, college graduates earn 80% more than those with just a high school diploma, on average. 

College is more expensive — and important — than ever before. And that dichotomy puts students in a difficult situation: do they risk going into debt they can’t pay back or miss out on the benefits of a college degree? 

Experts have long labeled this dynamic a “crisis.” But then, another kind of crisis hit: the coronavirus pandemic. And then, an economic crisis followed. 

In February, the United States officially entered an economic recession and between mid-march and June, over 42.6 million Americans filed for unemployment.

During the 2008 recession, many opted to go back to school and gain new skills. However, since then, the cost of a four-year college degree increased by 25% and student debt increased by 107% and many are less sure if college will be the solution to riding out a recession this time around.

CNBC Make It spoke with students, borrowers, historians and experts to learn how student debt became a crisis, how the pandemic will impact borrowers and who is to blame for putting students in an impossible position. 

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About CNBC Make It.: CNBC Make It. is a new section of CNBC dedicated to making you smarter about managing your business, career, and money.

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How U.S. Student Debt Became A $1.6 Trillion Crisis

Millions of Americans have one thing
in common, a crippling amount of

As of 2012, Americans owed over
one trillion dollars in student debt.

And as of June 2020, that
total surpassed 1.6 trillion dollars.

This is the first time in our
nation's history that we've ever held this

One of the most talked about side effects
of the student debt crisis is how

it's forcing borrowers to delay
traditional markers of adulthood.

One survey found that 21 percent
of borrowers had delayed getting married.

26 percent had pushed back having kids and
36 percent had put off buying a

home, forcing an entire generation
of borrowers to question the

At the same time, advancements
in technology, especially automation, is

making it harder to earn a living
wage without some type of college

degree. Today, college graduates earn 80
percent more than those with just

a high school diploma. College is
more expensive and more important than

ever before. And that dichotomy is
putting students in a difficult

situation. Do they risk going into
crippling debt at the beginning of

their adult lives in the hope that
their investment turns into a career

CNBC:
We know most of the one point
seven trillion dollars in student debt is

And then another kind
of crisis happened.

The economic fallout of the pandemic
in the middle of a pandemic.

Trying to figure out a stimulus package
between mid-March and June of 2020.

Over 42.6 million Americans
filed for unemployment.

economy officially entered
an economic recession.

During the 2008 recession, many opted to
go back to school and gain new

David Demming:
The real formative period for U.S.

higher education was more or less 1890
to 1940, when a lot of modern

colleges really started to expand and
college started to be something that

wasn't just a vocation for people going
to school to get a religious

education or for a few
of the landed wealthy.

In 1919, an estimated 590 ,000
students were enrolled in American colleges,

In 1944, the G.I. Bill was signed
giving millions of veterans the chance

In 1958, the Cold War
brought fears that the U.S.

was technologically falling behind, prompting
Congress to pass the

National Defense Education Act, which
offered student scholarships and

And just like that,
student debt was born.

Kennedy and Lyndon B. Johnson's War on
Poverty paved the way for the

Grants were now given to students
based on their income, which dramatically

expanded the opportunity to receive a
college education to students other

than wealthy white men. Just as
the civil rights movement was gaining

momentum at the time,
education costs were low.

College enrollment numbers grew and
so did the U.S.

economy. Enter the Reagan era and the
tax revolt when states passed tax

and expenditure limitations that impact
the cost of education.

And that meant that state
budgets came under threat.

So states that used to basically
highly subsidize college education for

many people started to cut back in
various ways, either by raising tuition

or by spending less, which
means expanding class sizes.

In 1981, Ronald Reagan took office
and began cutting federal higher

education funding programs,
college costs.

The College Board estimates that during the
1980 to 1981 school year cost

students the modern equivalent of $17,4 10
to attend a private college and

$7,900 to attend a public college,
including tuition fees, room and board

on average. By 1990, these
costs increased to $26,050, respectively.

As costs grew, lawmakers scrambled for
new solutions to expand access and

cut costs. In the early 2000s,
the Bush administration facilitated the

From 2000 to 2010, enrollment
in private, for profit institutions

Then, in December 2007,
the Great Recession hit.

He thinks potentially the
rest of the year.

Federal and state governments made deep
cuts to higher education funding.

The student debt situation was about
to become a student debt crisis.

As the labor market weakened, more
and more workers looked to higher

Public and private college enrollment spiked
and many were forced to turn

away students. For profit colleges welcomed
these students with open arms.

At its peak, the for profit sector accounted
for a little bit more than 10

About a quarter of Pell Grants, about
a third of student loans, and more

than half of defaults. For profit colleges
took in millions in federal aid

and saddled students with piles of
debt they couldn't pay off.

From the start of the Great
Recession in 2008, the relative economic

stability of 2018 college costs increased
by 25 percent, while student

debt increased by one
hundred and seven percent.

State and federal funding for higher
education, the biggest source of

revenue for most schools, has not
returned to pre 2008 levels.

The decisions of the past are
having a significant impact on borrowers

That's a significant fraction of
our $20 trillion GDP.

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