student loans

Elizabeth Warren Thinks Trump’s Pick for Student Loan Watchdog is Corrupt

Written by adminAugust 27, 2019

There’s clearly no love between Elizabeth Warren and Pres. Trump as they differ in just about every issue. The president recently did something that Warren wasn’t too happy about: hiring Robert Cameron as the newest student loan ombudsman. In fact, the move angered her so much that she sent three letters to the Consumer Financial Protection Bureau, Treasury Secretary Steve Mnuchin, and the newest ombudsman himself.

Warren claims that Cameron is scandal-plagued, corrupt, and should never be the newest student loan watchdog. This position was created solely for the purpose of protecting students who take out student loans. There’s a lot of predatory behavior in the student loan game is minds Americans have been suckered in by false ads and scammed by their lender.

It’s the job of the ombudsman to gather together all the complaints and help settle any disputes that have occurred. But according to Warren, Trump chose the wrong person for the job as he himself has a history of corruption within the industry. It’s also Cameron’s job offer advice to Congress, the Treasury Secretary, and even the CFPB on how to improve how the student loans are done.

The Burden of Debt is Crushing

Currently in the United States, 44 million Americans owe $1.6 trillion in student loan debt. This is a major burden and a crisis that is hurting our economy as crushing our young adults who are attempting to get started in life. The last thing they need to do is to graduate tens of thousands of dollars in debt.

Studies have come out revealing that many young Americans are putting off major life decisions such as getting married, buying healthcare, starting a business, saving for retirement, and even having children. Many are choosing to move back in with their parents because they simply cannot afford to pay their student loans and live on their own.

Chairman of the Federal Reserve, Jerome Powell, testified in a hearing that the student loan crisis could cause long-term ramifications and even drag on the US economy in the future. Student loan debt has become a major talking point among 2020 presidential candidates. Warren is one of the candidates who wants to eliminate almost all of the student loan debt out there, mostly for lower income borrowers.

In Warren’s mind, appointing Cameron to the position is “mind-boggling.”

“A former PHEAA executive’s appointment to the role represents the worst form of revolving-door corruption and conflict of interest, and it epitomizes industry capture of our government. Given Mr. Cameron’s responsibility for PHEAA’s compliance with federal law, regulations, and programs, and PHEAA’s record of compliance failures, it is clear that student-loan borrowers cannot count on Mr. Cameron to uphold their interests,” she writes.

Warren then called on Secretary Mnuchin to deny Cameron’s appointment. Whether he will listen is probably doubtful.

Written by adminAugust 20, 2019

Student Loan Consolidation

As student debt continues to rise dramatically in our country, more and more borrowers are getting fed up with the current system. Teachers in particular are so angry that they’re suing the federal government. Not only are they frustrated with their low pay, they also feel as if the current public service forgiveness program is broken.

The federal student loan forgiveness program was designed to give public service workers, like teachers, a leg up on paying off their student debt. Yet, as soon as the Trump administration took over, the vast majority of applicants have been turned down and offered no forgiveness.

Because of these frustrations, teachers all over the country are suing the Department of Education. One group in particular, the American Federation of Teachers, has stated that the student loan forgiveness program isn’t functioning properly and it desperately needs to be fixed. This is the second-largest teachers union in the country.

“The very agency that is supposedly the champion of our nation’s education system has failed to live up to its role in administering this Program,” asserted the lawsuit, which was filed in July.

Teachers Are Feeling the Heat

This is particularly difficult on teachers, as they are often expected to continue their education. Most have to take postgraduate degrees in order to maintain their teacher status. This combined with low pay and increasing tuition is putting teachers in a very difficult position. Many even feel embarrassed have student debt.

“Because the thing is, I went to school, I went to college, I wanted to become a teacher. I took loans. And now I’m paying $600, $700 a month right off the bat every month for my student loan… it’s a horrendous situation for them to be in,” said the teacher’s union.

On top of that, “everybody talks about it,” added Mulgrew. “You hear all the politicians talk about it. But the idea that they passed the student loan forgiveness federal program, and in reality, nobody gets to use it — that’s insane.”

Low Pay

Deciding to become a teacher is a very noble task. They really take a lot out of themselves to serve our community and our children with very little resources and even less pay. Nearly 65% of teachers have shared that they have student debt and it’s causing many problems in their lives.

“Teachers have a lower median income and are taking on student debt at a higher rate than the three other industries involved in our survey,” Kyle McCarthy, head of growth at Fishbowl told Yahoo Finance.

“On top of that, over 96% of teachers are spending their own personal money to provide underprivileged students with the school supplies they need, leaving teachers with even less disposable income,” he added. “It’s a good example of the growing wealth inequality in our society today.”

Written by adminAugust 12, 2019

Student Loan Consolidation

With the 2020 presidential race seemingly fully underway, the Democrat party has plenty of candidate is looking to become the nominee who face off against Pres. Trump. One of the biggest issues in this race is become student loan debt. It’s a problem that faces close to 45 million people, most of whom are desperately struggling to pay off their debt.

In a bid no doubt designed to win votes, nearly every Democrat running has some plan for canceling student loan debt and/or making college for everyone. Studies are being conducted that show that many young people are suffering and the burden of student loan debt. It’s forcing them to put off making major life decisions, like buying a home or getting married.

These decisions impact the economy more and more. It’s almost as if the student loan debt problem is a growing bubble. Considering this problem impacts more than just the person who took out the loan, but also their family and friends who are rallying to help the individual to get on their feet. Let’s take a look at several of the presidential candidates have to say about this problem.

Senator Elizabeth Warren

Sen. Warren wants to cancel up to $50,000 in student loan debt for people who have a modest income. She doesn’t want to completely wipe away student loan debt, and she feels that Americans making over $100,000 could easily afford their monthly payments. Really it would be an income-based forgiveness that will determine how much you are able to get taken off what you owe.

She’s also looking to make tuition free public college more of a thing. “Once we’ve cleared out the debt that’s holding down an entire generation of Americans, we must ensure that we never have another student debt crisis again,” Warren wrote in her Medium post, announcing the plan.

Senator Bernie Sanders

Where Sen. Warren is more careful to only offer free college to public schools and wipe away the debt the poorest of Americans, Sen. Sanders has the most comprehensive and complete wiping away of all student loan debt. His goal, through the College for All Act, would make going to college completely debt and tuition free for all Americans.

He also wants to continue giving Pell Grants to low income individuals so when they go to school, it will cover the non-tuition aspects of college, like room and board. He hopes to raise taxes on stock transitions to raise the nearly $2 trillion it will cost to both wipe out debt and provide free education for all.

Senator Kamala Harris

Sen. Harris’s plans aren’t as grand as the previous two, but if you are a Pell grant recipient, indicating low income status, that she wants to cancel is much as $20,000 in student debt. He also wants to offer a better student loan forgiveness program to historically black colleges and invest more in them.

“Yesterday I announced that, as president, I’ll establish a student loan debt forgiveness program for Pell Grant recipients who start a business that operates for three years in disadvantaged communities. https://kamalaharris.org/opportunity-gap/ …” she tweeted.

Senator Amy Klobuchar

Sen. Klobuchar is one of the more moderates in this area running for president. She been more careful not to talk too much about full student loan forgiveness, but she has supported legislation that makes paying back loans easier and more affordable for students. He’s even gone as far as speaking out against total tuition free schools. Although she does want to expand the Pell grant program which helps lower income individuals afford college.

Representative Tulsi Gabbard

Rep. Gabbard is on the same side as Sen. Bernie Sanders in supporting his College for All Act.

“This is the rate of student loan debt over the last 10+ years. Trump admin has made it worse by rolling back regulations and oversight on the way loans are administered. We need to re-invest in our students and make college attainable for everyone. #CollegeForAll” she tweeted.

Former Vice President Joe Biden

Out of all the candidates running for president, former VP Joe Biden is the one who hasn’t said very much at all about student debt during his campaigning. He is perhaps the most moderate of all the candidates while wiping out student debt and offering free tuition is more of a socialist credo. While he hasn’t stated anything recently, back in 2015 he did say he would support any measure that makes 4-year colleges tuition-free.

Written by adminJune 17, 2019

Politics , Student Loan Consolidation

You may be wondering where does former Vice President Joe Biden stand on student loan debt? Most polls show that he’s a clear front-runner – but he has not said much about the student loan debt crisis. Here’s what we know:

Free College?

Biden indicated that he supported the concept of free college, saying, “We need to commit to 16 years of free public education for all our children… We all know that 12 years of public education is not enough. As a nation, let’s make the same commitment to a college education today that we made to a high school education 100 years ago.” However, he did not offer a plan or any specifics to implement it.

Biden’s History on the Topic

We have to look to Biden’s’ past to get a sense of where he has stood historically on the issue.

In 1998, Joe Biden supported a change that created an “undue hardship” standard for federal student loans, making it significantly more difficult for borrowers to discharge their federal student loans in bankruptcy. Biden continued to oppose efforts to loosen bankruptcy restrictions on student loans through 2001.
MOST RECENTLY: In 2005, Biden supported a change in the “bankruptcy code” by applying the “undue hardship” standard. Before this, student loan debt was not treated much differently than other forms of consumer debt in bankruptcy. After this change, private student loans started rapidly expanding across college campuses

As Vice President, Biden was part of an administration that created new programs and protections for student loan borrowers including Borrower Defense to Repayment and Pay As You Earn, as well as greater oversight of the for-profit college industry.

Until he releases more detailed policy proposals to tackle student loan debt, all we have to go on are his prior positions as a lawmaker. We’ll just have to wait and see what else he comes up with.

Written by adminJune 8, 2019

Student Loan Consolidation

Not everyone enjoys the college lifestyle. After graduating from high school, many people go for their freshman year of college, but don’t return for their sophomore year. In fact, the National Center for Education Statistics says that only 81% of students return for their sophomore year. That’s a staggering drop! Community colleges have it even worse. Only 62% of students return the next year.

College can present many obstacles that force people to make tough decisions. It’s harder than anyone thinks to go to college full-time while at the same time working, making money, and keeping up with bills. During this time, student loan debt is accumulating wildly. Attempting to get a degree is a massive struggle that cause many to simply drop out and give up.

Even so, regardless of if you drop out or continue until the end, you’re responsible for the debt you incurred while at college. It means those courses were a waste of money that do nothing to improve your life and now you’re in debt trying to pay it off. Dropping out of college is never a good idea. There’s another reason why this is so.

College Degrees and Financial Freedom

While less people are enrolling into college these days, the benefits of getting a degree are still massive. People with a degree make a lot more money in their lifetime than those who don’t. If you drop out before getting your degree, you’re still on a path towards making less money. That means you’re stuck trying to pay the debt you incurred while not realizing your full potential financially.

The Urban Institute found that 42% of people who carry student debt have an associate degree or lower. While they have much less student debt than those who completed their courses, they are at a higher change of defaulting on their loans. That’s because they’re making significantly less money than those who have a 4-year degree or higher.

Defaulting on your student loans is not a path you should take. It will seriously cripple you financially by damaging your credit score and making it nearly impossible to do other things like buying a home or a car. If it gets bad enough, the lenders will garnish your wages and steal your tax refund until it’s paid off.

Taking Care of the Problem

If you think you’ve bitten off more than you can chew and are ready to drop-out, there are ways to handle it. There’s a process called exit counseling. Most students who have federal student loans are required to do this if they want to drop out. Exit counseling allows for the student to learn about all of their repayment options so when they do quit, they are prepared.

You do have a six-month grace period after you leave school. That will help you get on your feet without having to worry about student debt. But, whether you’re ready for it or not, that six-month grace period will end and you’ll be responsible for your loan. You could delay it even more with deferment, but your interest will still accumulate and it will increase your debt further.

Interest also accumulates during the grace period. That’s why you should start making interest payments immediately. Waiting until the grace period is over will also grow the debt you owe, making it more difficult to handle. It’s going to require you to be completely responsible and on your game.

Written by adminMay 30, 2019

Student Loan Consolidation

Last week, we saw the incredible story of Robert F. Smith, a billionaire technology investor who owns Vista Equity Partners. After being asked to make the commencement speech at Morehouse College in Atlanta, he gave them the best graduation gift anyone could ask for. He agreed to pay the entire class’s student loans.

“God has smiled on me,” said one Morehouse Student. He had over $100,000 in student loans just vanish into thin air. The student most likely would’ve spent the next 10-20 years paying that debt off if it wasn’t for Smith’s generous gift. But billionaires aren’t the only one stepping in to help.

Yesterday, we wrote a story about Burger King offering to help by creating their own giveaway program using the BK App. Not to mention, truTV’s game show “Paid Off”, hosted by Michael Torpey, has made its return for another season. “Paid Off” allows people with student debt to compete against other grads with trivia. The winner gets enough money to pay off their debt.

We can easily consider how generous and special it is to be able to pay off someone’s debt. Yet, while it’s special when billionaires or TV shows or companies do it, many just expect it. There’s a whole movement sparking where students demand we raise the taxes on billionaires just to make college free for everyone. While it’s a nice dream, it probably won’t happen.

Generosity and Student Loans

While any comprehensive student loan bill will probably never be enacted into law, we have to think of ways to help graduates who are drowning. When you leave school, you don’t have a job. You’re a low man or woman on the totem pole. Yet, your first student loan bill is due within a few months, whether you’re ready for it or not.

Having a lot of student debt is burdensome. It prevents students from making major life decisions once they graduate. In many ways, they become a slave to it for the next 10-20 years. One way companies are starting to help is by offering generous repayment options. Rather than a 401(k) for retirement, companies offer benefits where they’ll match contributions dollar-for-dollar.

One company that does is Carhartt. They’re based in Dearborn, Michigan and work to help their employees pay their student loans. Gifts from billionaires and company CEOs are a major investment in their lives and helps them out more than anything else. Even a small gift will bring down the principal payment and cut the amount of interest paid over time.

“Instead of devoting thousands of dollars a month to student loan payments or being in an income-driven repayment plan for decades, they will now be able to invest in themselves,” said Mark Kantrowitz, publisher and vice president of research for Savingforcollege.com

“My first thought when I heard the news is what an amazing graduation gift!” said Lynita Taylor, diversity and inclusion program manager at the Mike Ilitch School of Business at Wayne State University. “College can certainly be seen as a worthy investment, but the staggering amount of debt you can accrue while pursuing that investment is heartbreaking.”

We Need More than Gifts

If gifts are the only way to end this problem, we aren’t going to see the end of the crisis anytime soon. The total amount of student loan debt out there currently sits at $1.53 trillion. That’s even before this most recent year has been tabulated yet. Those numbers are set to be released this fall. It’s going to be nearly impossible to raise a trillion dollars by gift alone.

It may help several individuals, but is Smith going to do the same next year if he’s invited back? And the year after? You can’t count on a gift or the government stepping in to help. They may provide some assistance, but they won’t just forgive over a trillion dollars’ worth of debt. You took out the loan, so you have to take responsibility for that.

If you’re a recent graduate, there are three ways you can make the situation easier on yourself.

1) Don’t wait out the grace period. You have about six months until you’re expected to start making your first payment. But during that six months, interest will accumulate. If you start paying off a $25,000 loan right away, you’ll save yourself $795.

2) Get a handle on what you owe. It can be frustrating once you leave college and see that bill for the first time. Don’t wait. Take the bull by the horns. Create an account on the Federal Student Aid website at studentloans.gov. Once you do that, be proactive. Track your payments. See how long it will take to pay it off.

3) Don’t make minimum payments. Kevin O’Leary of Shark Tank says the best thing to do is to devote nearly every dollar you have into your loans. When you graduate isn’t the right time to start buying fancy stuff, getting a car loan, or wasting money. Live frugally. Move back home for a year. Put all that extra money towards your loan to pay it off much quicker and get it out of your life.

Written by adminMay 30, 2019

Loans

In a battle between burger chains, Burger King just fired a significant shot at the competition. Earlier today, the company announced a new bid to help take some of the student loan burden off of college grads. The way they plan to do it is through their BK app in a program called “Whopper Loans”. Students have until June 6^th to claim this help.

“65% of college graduates enter the world with student debt,” a Burger King spokesperson said. “BK App users can enter to win a chance at total student loan payoff.” Burger King says they’re looking to give away $250,000 in total to needy students. They enter for a chance to win by making a purchase using the BK App.

Currently in the United States, 44 million Americans owe $1.53 trillion towards student loan debt. This is a major crisis in the United States that isn’t likely to go away anytime soon. Some companies are looking to capitalize on this problem by offering some type of debt relief. 11.5% of borrowers are in serious delinquency.

“This is a nice gesture, and the students who benefit from it are very lucky,” Climb Credit CEO Angela Ceresnie told Yahoo Finance. “Millions of other students continue to take on heavy debt loads, and we need to shift the focus toward fixing the systematic problems that created this debt in the first place. If we don’t change something, we’ll be perpetually stuck playing catch up like we are now.”

Twitter Response

Burger King kicked off the initiative by making a cryptic tweet “Got student loans? What’s Your $cashtag”. A cashtag is what users of the Square Cash app call their user ID. This was enough to get the buzz out about Burger King’s new plan to help former students. Many thousands tweeted the burger chain their cashtag in response.

“$CalebSynan pay off my loans and I’ll never eat McDonald’s again,” said one user. “$evecoron10 if you pay off my loan I’ll actually start eating your food,” said another. There’s no word yet on if anyone has actually won any money or when Burger King plans to pay out. They also appeared to be networking with Earnest, which is a student loan refinance platform.

Earnest also tweeted out that Burger King customers would get a $200 bonus if they can show they made a purchase with the BK App. This buzz recently came after a billionaire entrepreneur told students listening to his commencement speech that he will pay off their student loans. Hopefully, more companies will seek to pitch in and reap the rewards of the attention they’ll draw to themselves.

With so many people struggling under the weight of student loan debt, it’s going to take help to start paying it down. Interest payments are swamping so many Americans and making it unlikely they’ll pay their debt down. In many instances, it can take a decade or longer. It’s forcing many young Americans to put off making major life decisions.

Written by adminMay 13, 2019

Politics

As we enter the prime 2020 election messaging time, it seems as if more people are finally talking about student loans. Elizabeth Warren, Bernie Sanders, and other Democratic candidates have their own views. President Trump doesn’t seem to care too much about the student loan debt burden.

One Republican seems to be breaking with party ranks to create a plan that can help change how student loans are paid. He introduced a new bill this week called The Leveraging Opportunities for Americans Now Act, or the Loan Act. The goal of this bill would be to entirely eliminate interest from student loans

“When I finished school, I had a little over $130,000, $140,000 in student loans,” Sen. Rubio said. “And it was really a burden for a long time.” He understands the burden millions of Americans are facing. Taking out a student loan can take decades to pay back. Interest rates are a big reason why, as you end up paying thousands of additional dollars.

Rubio wants to change that.

“If you take out a $10,000 loan, rather than charging interest that grows over time, there would be a flat fee of about 25% of the size of the loan, so you’d owe $12,500,” Rubio explained. “But that fee doesn’t grow. That’s what you owe. A $10,000 loan costs $12,500, and that’s what it’s going to cost the whole time. You don’t have to worry about if it takes you 20 years, that could grow to $25,000, you know? It could double!”

A New Way to Pay for Student Loans

Rather than having your student loans grow over time, you would have a flat fee added to it. Once you graduate school, you’d automatically be entered into a repayment plan that is based entirely on your income and ability to pay. Rather than letting student loans inhibit your life, you would instead focus 10% of your earnings towards paying back the loan.

Now that it’s spring, we have a whole new class of graduates ready to throw their caps into the air. Paying back student loans is most likely on the forefront of their minds. If it’s not, they’ll have their first bill sent to them very quickly. It’s sure to dampen any graduation celebrations they have this summer.

It’s estimated that as many as 44 million Americans owe over $1.53 trillion in student loans. That’s a number that continues to grow with each passing year. Perhaps Rubio’s plan is exactly what students need to survive without accruing interest making their problem larger over time. The typical borrower holds around $25,000.

“We want to make sure we can provide these loans, provide them and pay for the cost of servicing the loans, but at the same time, not try to compound the interest rate that hurts the borrowers,” he said.

Written by adminMay 3, 2019

Credit & Debt , Credit & Debt Settlement

It seems so easy for someone who wants to go to college to take out student loans. All they have to do is sign the dotted line and the money they want is right there. But if you ask anyone currently paying off their student loan debt, you’d hear a lot of stories of struggle. 44 million Americans currently owe $1.53 trillion towards their loans.

Student loan debt is forcing young Americans to put off major life goals. They simply can’t afford to do them with this weight on their shoulders. Many can’t even afford the minimum monthly payments. And again, when you see how much tuition is, it’s easy to resort to loans. The solution is to save loans as the last possible resort or it can hamper your life later.

In many cases, parents have tried to save for their kid’s education. Yet, even they weren’t prepared for the major cost, especially if they have multiple teens in their home ready for that next stage of life. Fidelity conducted a survey that found parents were overwhelming underprepared for their child’s college education costs. That leads them to resort to student loans.

Before you take out a mortgage just to pay for your education, you should look at these other options. By doing them all, it’s possible to pay for school on your own. Even if you still have to take out some student loans, at least the burden will be lessened.

1) Scholarships Are Available

Listen, there are scholarships for everyone out there. Regardless of your child’s major, interests, skin color, race, culture, there’s someone out there who has put up a scholarship. The problem is, it takes a lot of diligence to go out of your way to research all the different types. Then you have to sit down and apply for each one you’re eligible for.

Don’t just apply for the big scholarships either. Every little bit will help bring down your student debt balance by the time you’re finished with your degree. Sallie Mae reports that scholarships can cover as much as 28% of tuition on average. That’s a major chunk taken out of your student loans if you can take the time to apply.

2) You Don’t Need to Go to an Expensive School

At the end of the day, a degree is a degree. You may thing there’s some prestigious mentality to going to a big four-year school, but really, there’s not. There’s no shame in getting your Associate’s degree at a community college, which would save you a ton of money in the long run. In a lot of cases, lower-income people can escape community college debt free.

Many states like Kentucky, Ohio, Tennessee, West Virginia, and Virginia have free tuition to smaller colleges for students. More states are starting to institute programs like this to give young adults a good head start. By going to a smaller school and then getting their Bachelor’s at the school of their choice, will pay only a fraction of the student loans. Saving money is about making better decisions.

3) There’s Federal Aid Available

Last year, high school graduates left behind $2.3 billion in unclaimed federal financial aid. They chose instead to take out student loans. Many students qualify for financial aid through the government. It combines grants, loan offers, and scholarships in a program called FAFSA. It’s free to fill out an application.

Many students don’t run towards the FAFSA because they feel it’s time consuming to fill out. The problem is, by doing it, they can save $3,583 per year. That can go a long way towards paying for books, putting a dent in tuition, and other housing costs. Again, every little bit helps to bring down your total debt.

4) Get a Job

Yes, we get it. The last thing you want to do when studying for classes is to have to worry about a job. But many people have to do it in order to survive. It will be hard work, but you’d be thankful in the end if you do. Between scholarships, aid, any savings you had before, getting a job can take care of the rest. It certainly beats paying student loans for the next 10-20 years.

There are plenty of side-hustles and jobs you can do in your spare time. Driving for Uber is one. Do whatever you can to pay off as much of your room, board, and tuition while you’re in school. You will thank yourself later on! You can even do a work-study program through the university or college. They are needed jobs that need to get done around the campus.

5) Have Your Job Pay for College

Another great thing about working while in college are the various job programs out there. Companies like Starbucks, Walmart, Publix, and Wells Fargo all help workers pay for their tuition. If you work 20 hours a week at Starbucks, then you qualify for their Starbucks College Achievement Plan.

You have to work at Publix for about six months before their plan kicks in. If you average around 10 hours a week at least, they can help pay up to $12,800 of your tuition. Wells Fargo will straight-up reimburse tuition for their workers up to $5,000 each year. Their children can even apply for certain scholarships worth up to $3,000.

Many other companies offer some tuition assistance and will help pay off your student loans. Even after you graduate, many large companies offer a program that works like your 401(k) that will pay off student debt. It’s worth the check to see if your work offers any kind of assistance.

At the end of the day, any little bit you can knock off your tuition will be worth it in the end. No one will care where you got your degree from. There’s no shame in spending less and going to a community college. Taking the time to apply for aid and assistance is worth it considering the thousands in extra interest you’d have to pay on that later. And working a job won’t be too difficult. Many thousands of college students make it work.

If you still end up needing more money, at least taking out student loans won’t be too much of a burden and your total is reduced by thousands of dollars.

Written by adminMay 2, 2019

Student Loan Consolidation

Dee-1 is a rap artist that decided back in 2016 that the problem with student loans is rising and did a hilarious music video about it. Listen and see for yourself!

Funny thing is the student loan debt since 2016 was 1.2 trillion, now in 2019 it’s over 1.5 trillion now! If you ever need help with your student loans be sure to call for student loan forgiveness at 844-332-2079.

Call Now 844-332-2079

All credit to Dee-1.

Free College?

Biden’s History on the Topic

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