As I’ve told you before. Your video last year where you talked about the waiver program, was the sole impetus in me applying for the waiver program. My loans in the amount of $25000 were forgiven in January of this year. I am forever thankful to you for using your platform and not gate keep. I told everyone I could at the time also. Also your doggie is adorable. I’m scheduled to get my first dog next weekend .
For black women who have watched this video she is a great example of generational wealth. She was able to purchase an asset (condo) with the help of her parents. That purchase alone changed her net worth.
You are a whole inspiration! Congratulations on getting consumer debt free. There is nothing like having peace of mind knowing that if you need or want something, you’ve prepared for it. 👏🏾👏🏾👏🏾
I remember your vlogs inspired me to have an emergency fund- and a teacher/ shopping fund account! So helpful. I love how you are always so transparent.
Congrats! I also received Pslf under the time-limited rules! I had already paid off my credit cards before it was announced, so it's nice to only have the car payment and mortgage payment now.
Congrats!!! 🎉 Be sure to use your oldest credit cards from time to time. You can immediately pay them off. If you don’t use them, however, the company will end up closing your account and that hurts your credit. I learned that the hard way. Luckily, the company agreed to reopen mine but now I use it a few times a year.
They closed my account on one of my cards but I didn't care. I was actually ecstatic. A temporary dip in credit score is better than having multiple useless credit cards.
@@Heyu7her3 I let my newer cards go as well just to lighten the load. My oldest one is the first one I ever had though so it changes my years of credit a lot.
Yay! I'm so happy that your loans were forgiven. I am entering my 7th year as a foreign language teacher and I applied for the waiver too. However, they gave me no credit for the school that I was at for the first three years due to a typo, but once it's fixed, I should receive credit. Then, they awarded me 28 months of on time payment credit for the 2nd school that I worked at for three years. It's better than nothing I suppose, but it sucks knowing that I have a friend with less teaching experience than me who had her entire student loan debt wiped out. I am hoping and praying for it to happen to me soon. Also, I know that the waiver is no longer in effect, but I was told that my application would still be considered since my initial application was before the SC decision. I am definitely praying hard, because I owe over 100k. 😪
I initially found your channel by watching your videos about paying off your debt. Like others, I too was encouraged to apply to the PSLF program when the waiver was being offered. Thank you so much for your inspiration and encouragement! Many blessings to you in abundance.😊
Hello Fellow Southern CA teacher!! 👋🏾 Thank you for this video. I still unfortunately have student loans that are about to go into repayment but I am not going to be discouraged about it. I am just going to repay them. 😢
Congratulations on your achievement. It does take discipline to learn how to manage debt, and it is a wonderful feeling when college loans are paid off over time. Thank you for your video presentation. Take care.
Congratulations on reaching your goal! I found your channel through an unboxing video years ago. Then other videos came up that showed your personal side. I’m not a teacher or American but I am also a single woman in the same age group as you. I know it’s challenging to get everything covered with one paycheque and only being able to count on yourself (except for close family). You don’t need others to tell you this, but you should pat yourself on the back for a job well done! Stay focused on your goals, it’s sad how people in their golden years struggle to make ends meet.
Inspirational! Smart, hard-working woman. You inspired me to check on the status of why my loans were not forgiven. It appears my employer or maybe the loan servicing agency did not include all of my years of service. Check your loan servicing portals, folks!
My student loans have now been forgiven and I owe your thank you for encouraging me to apply for it because I didn’t know if I would get it. I thought I would die with them. I had been paying on them since ‘98. I too got a letter saying I didn’t qualify either and then a few months later I got a letter saying they had been totally forgiven. Now I can focus on other debts. I hope to be debt free in 3 years other than our mortgage. Your are my inspiration! Congratulations on your accomplishment!!!!
I am not sure why so many people got that initial decline letter before getting their loans forgiven. Either way, I am glad it all worked out for you and now you can focus on getting rid of your other debts.
Your video about the public service forgiveness program was so influential to me and my sister. My sister who is a public school principal had her loans forgiven. I on the other hand is in limbo. But I am very grateful for you sharing the information because you could have kept it to yourself. Oh and a friend that is a public servant also had hers forgiven. So, thank you!!!! ❤
I would like to thank you for that Pubic Service Loan Forgiveness video, because I really didn’t have confidence that the government would release the massive debt I accumulated. On January 8, I received my letter that forgave $126,000 in my student loan debt. Now, I am on track to getting the rest of my debt paid. Thank you for your knowledge in helping fellow teachers tackle this huge burden!
Thank you for the encouragement. I’m finally at that point where I’m fed up with my finances. It’s not just saying no to myself but also to others (family members). Plus I learned to REALLY pay attention to your medical provider referring you to a specialist. Because that specialist might not be in the insurance tier a person contributes to. Which then causes a higher expense than expected.
Thank you for doing this! I am a teacher in Northern California and I feel more empowered now to tackle my finances, as you have. It’s that sitting down to write it all out, that will make me cry. Haha. Congrats on being debt free, I hope to join that club soon! I am debating doing a TH-cam channel, but maybe I should just do it for fun and then, if income arrives, than that would be cool and help out too. Not sure on that aspect, but I do have an after school club and I schedule my IEPs after school, because we are paid for that too,s o I do have some extra things, like you mentioned. Which do you feel impacted you more, the after school things or the TH-cam/social media income, or is it a 50/50 split? Thank you again. I have a lot to think about and a journey to financial serenity that I need to begin! ❤❤❤
Thank you for sharing your journey with us. I need to get my cc debts under control but it is overwhelming to think about! I am so grateful that I was able to finish college with zero student loans. I was able to secure grant funding for 100% of my education.
Thank you so much for this video. Having tragically and unexpectedly losing my husband I quickly became a single woman, who works as a teacher in a Catholic School where my salary is only $37,000. As a result I work a Part Time job on the weekends meaning I work 7 days a week with Friday being nerly 16 hours. As a result I have created credit card debt and am struggling, but after the video I sat and totaled my debt and created a plan. I then went and started an emergency fund that I will contribute and slowly selected the card with the lest to pay off. My goal is hopefully my 2024. I must admit, I do shop out of sadness but selected to stop that as well. So, thank you. You are an inspiriation!!! Alicia from CT
I am so sorry to hear about the loss of your husband. I can imagine how difficult that transition was and continues to be. I would agree with the previous comment in regards to checking into ways to maximize/increase your pay in teaching. What you are doing right now sounds like a lot. I know it is out of survival, but it might be worth looking into other employment options in teaching. No matter what you do, stay encouraged!
Awesome, thank you for sharing and being transparent. It’s so helpful, and I love cheering on others; especially fellow educators. Unfortunately our state doesn’t value teachers via pay, or dare I say otherwise 😔. I would love a review sometime of your Acura if you don’t mind 😃. I’m really considering that vs the Toyota Highlander, and I trust your opinion. Thank you for all that you do…blessings.
I absolutely LOVE my Acura. I have no complaints or regrets about it. I never looked into the Toyota Highlander. I know that I wanted to treat myself to a luxury vehicle and the MDX offered so much for the price in relationship to the other car I was considering.
Congratulations on paying off the debt. Did you get the Tread+ or the original one? Where did you place it in the condo? That Tread is huge! Please record a home gym setup when you have a chance. Enjoy your summer!
I just got the regular treadmill. Mine is snuggly placed in front of my desk. It is not the most aesthetically pleasing set up right now, but I am working on making that better.
First of all, Congratulations! It is my goal to owe no men nothing but to love them. Believing to pay off medical/consumer debts and then evict Navient and Aidvantage.😂🙏🏾 Tfs and continue success with your endeavors.
Congratulations on paying off your credit card debt! You are so encouraging! I started paying off a $30, 000 loan last year and it will be payed off this month. 🙌🏽 Thanks to you, I found out about the public service waiver program. I qualified and those student loan balances totaled $25,000. They are now forgiven! 🙌🏽 I still have 1 credit card with a balance of $15,000, and it will take me 1 more year to pay it off. My plan is to work towards paying off my car loan once the credit card is paid off. Three years from now my prayer is for me to have only a mortgage payment and utility bills. I’m thanking and praising God in advance. 🙌🏽🙌🏽 LaTawnya, I can not thank you enough because you are the driving force behind me going on this “paying off my debt” journey.
Question. Now that all of your cards are paid off, how will you maintain a good credit rating and keep your credit cards? (they will often cancel your card once it's paid off, and you stop using it, which can lower your score) Also, I've been watching your journey for quite a long time. So happy for you!
Congratulations! It sounds like you did it in a way that worked for you. Do you love the Peloton tread? I have a treadmill that started giving me problems in less than 2 years so I'm looking to purchase another one, maybe next year.
I do love the Peloton tread because of the variety of workouts it offers.Let me know if you decided to purchase one, I believe I have a discount code for it.
Oh, congratulations! What a blessing that your student loan forgiveness was reconsidered. I still have student loan debt. Never qualified for the TEACH program because I wasn't hired in the urban district. Then the reorganized PSLF program would've required me a lot of verification that I wouldn't be approved for. I got really frustrated because I was an urban youth and was a Black female teacher, yet the beneficiaries of these forgiveness programs would be white female teachers. Like, what was the point of all this if certain people are still being disadvantaged??? Anyway... 🎉🎉🎉
The verification process should be able to be completed to the district office or main office you worked for. I wouldn't let the verification process stop you from pushing forward. I understand your frustration, but know that I am know many women of color whose loans were forgiven. I truly live all applicants can benefit, but it does take a little leg work and a lot of follow up in the process.
Congratulations on your accomplishments!!! It was truly a monumental task, and you did it 😊 I was so disappointed that the SC struck down Biden's student loan forgiveness program. Your experience demonstrates the importance of such a program. I was blessed as an undergraduate student because back in the 1970s, my college was basically free. Later on, the Social Security benefits I received through my father's disability, paid off my graduate school tuition. It is so important for the economy and the future of our country to make sure that we have an educated and skilled (trades) workforce.
Congratulations🎉🥂🎉😁 That's a HUGE accomplishment!! I also had minimal financial education growing up...other than hearing "always pay your bills on time"😅 In 2017 I set out for debt freedom, finishing up in 2020. Now I get to be a resource for my Son's and pass along what I've learned so that they can start off better than I did. Thanks for sharing your story!!
Way to go! Such an inspiration. I think it’s very important to have these conversations. Noted and greatly appreciated!😊😊😊 Sidenote, I need to relocate to California or Texas needs to catch up, QUICKLY!😂🙌🏾 Thank you for the helpful information.
As I’ve told you before. Your video last year where you talked about the waiver program, was the sole impetus in me applying for the waiver program. My loans in the amount of $25000 were forgiven in January of this year. I am forever thankful to you for using your platform and not gate keep. I told everyone I could at the time also. Also your doggie is adorable. I’m scheduled to get my first dog next weekend .
Happy to hear that your loans were forgiven! Puppies are the best, enjoy!
Hey! What’s the title of that videos?
For black women who have watched this video she is a great example of generational wealth. She was able to purchase an asset (condo) with the help of her parents. That purchase alone changed her net worth.
Yes she is!
You are a whole inspiration! Congratulations on getting consumer debt free. There is nothing like having peace of mind knowing that if you need or want something, you’ve prepared for it. 👏🏾👏🏾👏🏾
I remember your vlogs inspired me to have an emergency fund- and a teacher/ shopping fund account! So helpful. I love how you are always so transparent.
Congrats! I also received Pslf under the time-limited rules! I had already paid off my credit cards before it was announced, so it's nice to only have the car payment and mortgage payment now.
Amazing....
It can be done! It takes discipline. Congrats well done! 😊
We are debt free because we used Dave Ramsey process. It did take a few years but we now reap the benefits. Great video LaTonya!!
Congrats!!! 🎉 Be sure to use your oldest credit cards from time to time. You can immediately pay them off. If you don’t use them, however, the company will end up closing your account and that hurts your credit. I learned that the hard way. Luckily, the company agreed to reopen mine but now I use it a few times a year.
They closed my account on one of my cards but I didn't care. I was actually ecstatic. A temporary dip in credit score is better than having multiple useless credit cards.
@@Heyu7her3 I let my newer cards go as well just to lighten the load. My oldest one is the first one I ever had though so it changes my years of credit a lot.
Good to know. Thanks!
Yay! I'm so happy that your loans were forgiven. I am entering my 7th year as a foreign language teacher and I applied for the waiver too. However, they gave me no credit for the school that I was at for the first three years due to a typo, but once it's fixed, I should receive credit. Then, they awarded me 28 months of on time payment credit for the 2nd school that I worked at for three years. It's better than nothing I suppose, but it sucks knowing that I have a friend with less teaching experience than me who had her entire student loan debt wiped out. I am hoping and praying for it to happen to me soon. Also, I know that the waiver is no longer in effect, but I was told that my application would still be considered since my initial application was before the SC decision. I am definitely praying hard, because I owe over 100k. 😪
Yes, keep praying and keep following up!
I initially found your channel by watching your videos about paying off your debt. Like others, I too was encouraged to apply to the PSLF program when the waiver was being offered. Thank you so much for your inspiration and encouragement! Many blessings to you in abundance.😊
Hello Fellow Southern CA teacher!! 👋🏾 Thank you for this video. I still unfortunately have student loans that are about to go into repayment but I am not going to be discouraged about it. I am just going to repay them. 😢
Congratulations on your achievement. It does take discipline to learn how to manage debt, and it is a wonderful feeling when college loans are paid off over time. Thank you for your video presentation. Take care.
Thank you! I hope all is well with you.
I been on a debt free journey I love to shop but I set goals so I can buy something I want or know I simply don't need it
Congratulations on reaching your goal! I found your channel through an unboxing video years ago. Then other videos came up that showed your personal side. I’m not a teacher or American but I am also a single woman in the same age group as you. I know it’s challenging to get everything covered with one paycheque and only being able to count on yourself (except for close family). You don’t need others to tell you this, but you should pat yourself on the back for a job well done! Stay focused on your goals, it’s sad how people in their golden years struggle to make ends meet.
Thank you!
Inspirational! Smart, hard-working woman. You inspired me to check on the status of why my loans were not forgiven. It appears my employer or maybe the loan servicing agency did not include all of my years of service. Check your loan servicing portals, folks!
Upon further investigation, it was the loan servicing company's omission. Will see what the updated information brings.
Yes! Follow up is key.
My student loans have now been forgiven and I owe your thank you for encouraging me to apply for it because I didn’t know if I would get it. I thought I would die with them. I had been paying on them since ‘98. I too got a letter saying I didn’t qualify either and then a few months later I got a letter saying they had been totally forgiven. Now I can focus on other debts. I hope to be debt free in 3 years other than our mortgage. Your are my inspiration! Congratulations on your accomplishment!!!!
I am not sure why so many people got that initial decline letter before getting their loans forgiven. Either way, I am glad it all worked out for you and now you can focus on getting rid of your other debts.
I’m so glad to see you! I was thinking of your channel the other day.
Congrats on such a major accomplishment 👏🏽👏🏽👏🏽👏🏽🙏🏾🙏🏾Continued success in Everything you do💪🏾💪🏾💪🏾💪🏾💪🏾
Your video about the public service forgiveness program was so influential to me and my sister. My sister who is a public school principal had her loans forgiven. I on the other hand is in limbo. But I am very grateful for you sharing the information because you could have kept it to yourself. Oh and a friend that is a public servant also had hers forgiven. So, thank you!!!! ❤
Such great news!
I would like to thank you for that Pubic Service Loan Forgiveness video, because I really didn’t have confidence that the government would release the massive debt I accumulated. On January 8, I received my letter that forgave $126,000 in my student loan debt. Now, I am on track to getting the rest of my debt paid. Thank you for your knowledge in helping fellow teachers tackle this huge burden!
That is awesome news! Congrats!
That is awesome!!! Congratulations ❤🎉
Thank you for the encouragement. I’m finally at that point where I’m fed up with my finances. It’s not just saying no to myself but also to others (family members). Plus I learned to REALLY pay attention to your medical provider referring you to a specialist. Because that specialist might not be in the insurance tier a person contributes to. Which then causes a higher expense than expected.
Step 1 in the process, is to decided that enough is enough.
I’m so happy for you. Thank you for sharing your financial freedom journey. 💜💜💜
Thrilled for you. Congratulations!
Thank you for doing this! I am a teacher in Northern California and I feel more empowered now to tackle my finances, as you have. It’s that sitting down to write it all out, that will make me cry. Haha. Congrats on being debt free, I hope to join that club soon! I am debating doing a TH-cam channel, but maybe I should just do it for fun and then, if income arrives, than that would be cool and help out too. Not sure on that aspect, but I do have an after school club and I schedule my IEPs after school, because we are paid for that too,s o I do have some extra things, like you mentioned. Which do you feel impacted you more, the after school things or the TH-cam/social media income, or is it a 50/50 split? Thank you again. I have a lot to think about and a journey to financial serenity that I need to begin! ❤❤❤
Amazing story!
Thank you for sharing your journey with us. I need to get my cc debts under control but it is overwhelming to think about! I am so grateful that I was able to finish college with zero student loans. I was able to secure grant funding for 100% of my education.
Thinking about all your credit card debt in totality is overwhelming which is why using the snowball strategy worked well for me.
🎉🎉🎉congrats and thanks for the information
LaTonya, I have been watching you for years. I am so very proud of you and appreciate your transparency.
This is fantastic!! Great job!!
Thank you so much for this video. Having tragically and unexpectedly losing my husband I quickly became a single woman, who works as a teacher in a Catholic School where my salary is only $37,000. As a result I work a Part Time job on the weekends meaning I work 7 days a week with Friday being nerly 16 hours. As a result I have created credit card debt and am struggling, but after the video I sat and totaled my debt and created a plan. I then went and started an emergency fund that I will contribute and slowly selected the card with the lest to pay off. My goal is hopefully my 2024. I must admit, I do shop out of sadness but selected to stop that as well. So, thank you. You are an inspiriation!!! Alicia from CT
My condolences, that's a lot.
Do you have a teaching credential so you can find a higher paying job?
I am so sorry to hear about the loss of your husband. I can imagine how difficult that transition was and continues to be. I would agree with the previous comment in regards to checking into ways to maximize/increase your pay in teaching. What you are doing right now sounds like a lot. I know it is out of survival, but it might be worth looking into other employment options in teaching. No matter what you do, stay encouraged!
I am so glad you shared this! I can do this even with my occasional setbacks!
Yes, you can!
Congratulations that is wonderful and thanks for the encouraging information💯👏🏽🎊🎉
Awesome, thank you for sharing and being transparent. It’s so helpful, and I love cheering on others; especially fellow educators. Unfortunately our state doesn’t value teachers via pay, or dare I say otherwise 😔. I would love a review sometime of your Acura if you don’t mind 😃. I’m really considering that vs the Toyota Highlander, and I trust your opinion. Thank you for all that you do…blessings.
I absolutely LOVE my Acura. I have no complaints or regrets about it. I never looked into the Toyota Highlander. I know that I wanted to treat myself to a luxury vehicle and the MDX offered so much for the price in relationship to the other car I was considering.
Congratulations on paying off the debt. Did you get the Tread+ or the original one? Where did you place it in the condo? That Tread is huge! Please record a home gym setup when you have a chance. Enjoy your summer!
I just got the regular treadmill. Mine is snuggly placed in front of my desk. It is not the most aesthetically pleasing set up right now, but I am working on making that better.
Congratulations and thank you for sharing your journey with us 😊 Love your videos!!
Very inspiring! 🙌🏽 👏🏽 👏🏽👏🏽
Congratulations! great video.
Be humble. Be disciplined. Be successful.
That has to be a great feeling. I am glad that your student loans were forgiven.
It is a wonderful feeling!
Congratulations🎉Your journey is inspiring! Best to you on reaching your home improvement, retirement, and travel goals.❤
First of all, Congratulations! It is my goal to owe no men nothing but to love them. Believing to pay off medical/consumer debts and then evict Navient and Aidvantage.😂🙏🏾 Tfs and continue success with your endeavors.
Best of luck to you!
Hey welcome back 😊 I’ve noticed your sound quality has changed it sounds muffled fyi
Sorry..Hopefully, it was just a fluke with this video.
@@SmartieStylelr yes it sounded like maybe your mic
Hi, I am a New Subscriber here.
Welcome!!
Congratulations on paying off your credit card debt! You are so encouraging! I started paying off a $30, 000 loan last year and it will be payed off this month. 🙌🏽 Thanks to you, I found out about the public service waiver program. I qualified and those student loan balances totaled $25,000. They are now forgiven! 🙌🏽 I still have 1 credit card with a balance of $15,000, and it will take me 1 more year to pay it off. My plan is to work towards paying off my car loan once the credit card is paid off. Three years from now my prayer is for me to have only a mortgage payment and utility bills. I’m thanking and praising God in advance. 🙌🏽🙌🏽 LaTawnya, I can not thank you enough because you are the driving force behind me going on this “paying off my debt” journey.
Amen! Standing in agreement with you.
You are so very close!
Question. Now that all of your cards are paid off, how will you maintain a good credit rating and keep your credit cards? (they will often cancel your card once it's paid off, and you stop using it, which can lower your score)
Also, I've been watching your journey for quite a long time. So happy for you!
Congratulations! It sounds like you did it in a way that worked for you. Do you love the Peloton tread? I have a treadmill that started giving me problems in less than 2 years so I'm looking to purchase another one, maybe next year.
I do love the Peloton tread because of the variety of workouts it offers.Let me know if you decided to purchase one, I believe I have a discount code for it.
Oh, congratulations! What a blessing that your student loan forgiveness was reconsidered.
I still have student loan debt. Never qualified for the TEACH program because I wasn't hired in the urban district. Then the reorganized PSLF program would've required me a lot of verification that I wouldn't be approved for. I got really frustrated because I was an urban youth and was a Black female teacher, yet the beneficiaries of these forgiveness programs would be white female teachers. Like, what was the point of all this if certain people are still being disadvantaged??? Anyway...
🎉🎉🎉
The verification process should be able to be completed to the district office or main office you worked for. I wouldn't let the verification process stop you from pushing forward. I understand your frustration, but know that I am know many women of color whose loans were forgiven. I truly live all applicants can benefit, but it does take a little leg work and a lot of follow up in the process.
#socal subbie!!!!
Congratulations on your accomplishments!!! It was truly a monumental task, and you did it 😊 I was so disappointed that the SC struck down Biden's student loan forgiveness program. Your experience demonstrates the importance of such a program. I was blessed as an undergraduate student because back in the 1970s, my college was basically free. Later on, the Social Security benefits I received through my father's disability, paid off my graduate school tuition. It is so important for the economy and the future of our country to make sure that we have an educated and skilled (trades) workforce.
Agreed!
Once you payed off each credit card, did you close them out completely?
No. I have not closed any of my credit cards.
@@SmartieStylelr Thanks!
Congratulations🎉🥂🎉😁 That's a HUGE accomplishment!! I also had minimal financial education growing up...other than hearing "always pay your bills on time"😅 In 2017 I set out for debt freedom, finishing up in 2020. Now I get to be a resource for my Son's and pass along what I've learned so that they can start off better than I did. Thanks for sharing your story!!
Way to go! Such an inspiration. I think it’s very important to have these conversations. Noted and greatly appreciated!😊😊😊 Sidenote, I need to relocate to California or Texas needs to catch up, QUICKLY!😂🙌🏾 Thank you for the helpful information.
Congratulations 🎉 I’m sure paying everything off was a huge burden lifted off your shoulders
It certainly was.
North Carolina teacher pay is horrible..... Ughh would love to move to CA or NY
I’m in Atlanta, and my teacher salary is pretty good. The cost of living is higher in California and New York.
@@myfourjays2322 that’s so true.
Nobody BUT God. ❤❤❤