Latest / The Steve Harvey Morning Show / Sonia Lewis Full Interview

Transcript

Sonia Lewis Full Interview · The Steve Harvey Morning Show

0:00
Speaker 1: My next guest, it's one of those people in the
0:03
Speaker 1: entrepreneurship lane, but she's tied to education. So you get
0:07
Speaker 1: two things out of her. You can get your life
0:09
Speaker 1: right from a from a business standpoint, and get your
0:12
Speaker 1: life right from an educational standpoint, because she's trying to
0:16
Speaker 1: make your life right after you got your degree, because
0:19
Speaker 1: a lot of times if you go to school, you
0:21
Speaker 1: can walk away with the debt. My next guest is
0:24
Speaker 1: the CEO of an award winning business called the Student
0:27
Speaker 1: Loan Doctor. The Student Loan Doctor is a student debt
0:31
Speaker 1: repayment company. She's considered the people's expert for all matters
0:35
Speaker 1: related to student loan debt repayment. She has over seven
0:38
Speaker 1: years of practical higher education and financial aid experience. Please
0:43
Speaker 1: welcome to money making conversation. Son your Lewis, Thank you
0:49
Speaker 1: so much for having me. I'll tell you what that was.
0:51
Speaker 1: A That was an applause driven. You gotta get some applause, Sam,
0:54
Speaker 1: you know, because I'm doing these applause Nowaday. You know,
0:57
Speaker 1: it's like, you know, like I'm a I'm a performer,
0:59
Speaker 1: so you when people introduced me on the stage, it's
1:02
Speaker 1: applause that carries me on the stage. So now I'm
1:04
Speaker 1: setting up to all these great introduces, introductions and individuals.
1:08
Speaker 1: I need a little Paul, I'm not you know, it's
1:10
Speaker 1: something that I don't have to pay for. Make sure
1:12
Speaker 1: he is a copy free, okay, trademark free. You know
1:16
Speaker 1: how you doing? Ms Lewis, I'm how are you today?
1:20
Speaker 1: I'm doing fine? And where are you based that right now?
1:22
Speaker 1: Calling from? Yeah, okay, I've just talked to another good
1:29
Speaker 1: friend up there in the Philadelphy a area. I've been
1:32
Speaker 1: spent a lot of time up there in New York.
1:34
Speaker 1: I take to exhale the sale down from New York
1:37
Speaker 1: to d C. That's my favorite way. I don't jump
1:40
Speaker 1: on the plane. I just hop on that amtract train
1:42
Speaker 1: come on down. So I'm always passing through Philly and
1:46
Speaker 1: it's a great opportunity to get some good food. I
1:48
Speaker 1: was a hangout and fairy a lot when I was mamagining.
1:50
Speaker 1: Steve Harvey was there at the rich Car to right downtown,
1:53
Speaker 1: that little area down there, right across from that bookstore
1:55
Speaker 1: down there, That's where I would hang out. So Philly
1:58
Speaker 1: area is good to me. Now you my friend started
2:02
Speaker 1: the student long doctor. Yes, because I was going through
2:07
Speaker 1: my own trials in general, that gives your inspiration. That
2:16
Speaker 1: gives you inspiration when you're going through the problem. How
2:18
Speaker 1: do I fix this problem? Then you're fixing, you go
2:20
Speaker 1: you know what, maybe I can fix this for other people.
2:22
Speaker 1: So what was your problems? Give us your story about
2:24
Speaker 1: your dad. They really traumatized you to the point that
2:27
Speaker 1: you you're inspired to fix other people's problems. Yeah, So
2:34
Speaker 1: I started getting help with my dad because I really
2:37
Speaker 1: realized that I wasn't living the life that God that
2:40
Speaker 1: told me to live. So you can't be a good
2:43
Speaker 1: giver broke, and you can't motivate or be encouraging to
2:46
Speaker 1: anyone if you are down and dump yourself. And a
2:49
Speaker 1: lot of times I felt like our problems fell from finances, right,
2:53
Speaker 1: So I had to get me together. But if you're
2:55
Speaker 1: a good friend and you care about the people around you,
2:57
Speaker 1: you want to help them get themselves together. So I
3:01
Speaker 1: started to help my friends and family because I'm like,
3:04
Speaker 1: they don't know this information. I know they would have
3:06
Speaker 1: told me, right, So I started helping people, and then
3:11
Speaker 1: people at the church started to tell other people about
3:14
Speaker 1: the work we were doing on Sundays after church, and
3:18
Speaker 1: you know, I've said, Jesus saidn't say everybody had to
3:21
Speaker 1: be free. Now I didn't didn't hear that. I didn't
3:23
Speaker 1: see that in the cripture. So I started consulte when
3:27
Speaker 1: people want about their stead the loans, because it was
3:29
Speaker 1: this thing that everybody was coming to me for. Now,
3:32
Speaker 1: this is my professional background. UM. For over nine years,
3:35
Speaker 1: I've been doing this work um for other colleges and universities.
3:39
Speaker 1: So I'm like, well, what would it look like to
3:41
Speaker 1: do it for yourself. So for the last three years,
3:46
Speaker 1: I've been in business, initially myself for a year and
3:50
Speaker 1: then the last two I've hired a wonderful team to
3:53
Speaker 1: help me take on uh this one point five trillion
3:55
Speaker 1: dollars dat. Now I'm just gonna you know. I was
3:59
Speaker 1: talking to my staff of Off the Camera Afradio excuse me,
4:03
Speaker 1: and we was talking about I was watching this special
4:05
Speaker 1: NBC and it was these students, a group of students
4:08
Speaker 1: out there who are in debt and they're just saying,
4:10
Speaker 1: we're not paying it back, We're just refusing to pay.
4:13
Speaker 1: We're just gonna be it comes out if they ain'tven
4:15
Speaker 1: got a hashtag we won't pay. And I'm going like, Okay,
4:20
Speaker 1: how you how can you how? First of all, I
4:22
Speaker 1: was mad at him because you know, they just they
4:24
Speaker 1: were showing them, shredding up their invoences. They were coming
4:27
Speaker 1: in and going like really really, so if you don't pay,
4:31
Speaker 1: who's gonna pay? So So first of all, I'm reckoning,
4:34
Speaker 1: I'm burning his little face, you know, because they wouldn't
4:36
Speaker 1: reveal his name, you know, for some ready, but they
4:38
Speaker 1: just showing his face. I don't know, I don't know how,
4:40
Speaker 1: I don't know what what the education they got, But
4:43
Speaker 1: if I see your face, I'm eventually gonna know your name,
4:46
Speaker 1: especially if you're gonna want a job one day. So
4:48
Speaker 1: you have this group of students out there who are
4:51
Speaker 1: ignoring their responsibility. I'm gonna say, they've accepted the the
4:56
Speaker 1: the financial aid to get a degree. Now they left
5:00
Speaker 1: college and I'm not gonna pay. What do you say
5:03
Speaker 1: the individuals that are doing that out there? So that's
5:08
Speaker 1: not a good plan. Um, this is the only day
5:10
Speaker 1: in the United States of America that you don't have
5:13
Speaker 1: to be a part of for them to collect on.
5:16
Speaker 1: I know that people are frustrated, I know that they
5:18
Speaker 1: are mad, but no one's trying to gun to these
5:20
Speaker 1: people's head in terms of borrowing. Right, so you knew
5:23
Speaker 1: when you were borrowing elected that there's a situation here
5:27
Speaker 1: where they may be incapable of being good borrowers and repayment.
5:30
Speaker 1: But other than that, you knew about this that right,
5:34
Speaker 1: So shredding up the paper, that's fine because when they
5:37
Speaker 1: electronically go into that bank account or to that employer
5:40
Speaker 1: that is mandated to get fIF team per cent per check,
5:44
Speaker 1: it is not going to be a game anymore. So
5:46
Speaker 1: we don't we don't want to institute that plan. So
5:49
Speaker 1: uh so that was that was professionally stated, but very
5:54
Speaker 1: funny because I thought the same thing. Okay, I got
5:57
Speaker 1: a problem with you because guess what, nobody that nobody
6:00
Speaker 1: just stopped you. Now you want to stop the system
6:03
Speaker 1: from collecting. Now, let's we want to go through some
6:06
Speaker 1: of them, some some questions that were presented to me
6:08
Speaker 1: so I can make sure I get all the information
6:11
Speaker 1: that and people how first of all, how can people
6:13
Speaker 1: contact you? Let's get that out the way first, and
6:15
Speaker 1: we're gonna do it now at the end of the ship. Yeah,
6:19
Speaker 1: the best play is doctor, please help me, dot com doctor,
6:22
Speaker 1: please help me dot com um where they can call us. Uh,
6:25
Speaker 1: they can do that as well to six seven three
6:27
Speaker 1: eight six one one one six or I always say
6:31
Speaker 1: the fun for us is on social media Instagram, particularly
6:35
Speaker 1: at the Student Loan Doctor. We post about all of
6:38
Speaker 1: our events, our webinars. We do a lot of free
6:40
Speaker 1: community education, so you don't have to ever buy anything
6:44
Speaker 1: from us. But we're going to continue every two weeks
6:46
Speaker 1: for the new webinar on a different area, different focus
6:49
Speaker 1: about student loan debt. Cool. My guest is the CEO
6:52
Speaker 1: of an award winning business. It's called the Student Loan Doctor.
6:56
Speaker 1: Student Loan as l O A N doctor just Student
7:00
Speaker 1: Loan Doctor is a student debt repayment company. She's considered
7:05
Speaker 1: the people's expert for all matters related in student loan
7:09
Speaker 1: debt repayment. She has over seven she said, says, now,
7:12
Speaker 1: but I heard you say nine years of practical higher
7:15
Speaker 1: education and financial aid experience. Now, ms lewis, when you
7:20
Speaker 1: look at individuals, just if you just want to go
7:23
Speaker 1: to school, would you recommend are there any options for
7:27
Speaker 1: students if they didn't want to get in debt with
7:31
Speaker 1: these student loans? What? What? What? What? What're options? Would
7:33
Speaker 1: those be? Just getting part time jobs? Are going to
7:35
Speaker 1: school part time. What are the options would they be? Yeah?
7:39
Speaker 1: Absolutely well. A lot of times the people actually most
7:41
Speaker 1: staddled by sten alone debt. I called them, or referred
7:44
Speaker 1: to the message sticky middle So middle class. You really
7:47
Speaker 1: don't receive any grant money right because they say you
7:50
Speaker 1: make too much, but you're not reach enough to pay
7:52
Speaker 1: out of pocket. So what that looks like is that's
7:55
Speaker 1: the group I'm most interested in working with. Helping because
7:59
Speaker 1: you have to figure out alternative sources to alan and
8:03
Speaker 1: that could be a scholarship, that could be a grant
8:07
Speaker 1: based or a subsidized job on camp. Use this because
8:12
Speaker 1: at the end of the day, when you don't have
8:14
Speaker 1: a lot of money going into the process, you may
8:17
Speaker 1: feel like the only option is a loan. But I
8:20
Speaker 1: tell parents, start something called scholarship Sunday, and that's holding
8:25
Speaker 1: your ac accountable to have a seat one or two
8:27
Speaker 1: hours and start applying for scholarships. Just apply, apply, apply.
8:32
Speaker 1: There's so much scholarship money that it's unutilized because no
8:36
Speaker 1: one is applying. They think that it doesn't it's not real.
8:39
Speaker 1: No one could get these scholarships. Lewis, let's hold that thought,
8:42
Speaker 1: or I want to bring you back on the next
8:43
Speaker 1: break to talk about those scholarships. I know where that's
8:46
Speaker 1: one way of a student debt repayment is not to
8:49
Speaker 1: have that coming back with more money making conversations. Uh,
8:56
Speaker 1: this is ra Sean McDonald. You're listening to money making conversation.
8:59
Speaker 1: I'm the host of the show that was created for you,
9:02
Speaker 1: by you, and it's a it's free. Um. My guest
9:05
Speaker 1: is the CEO of an award winning business, the Student
9:08
Speaker 1: Loan Doctor. The Student Loan Doctor is a student debt
9:12
Speaker 1: repayment companies. She's considered a people's expert for all matters
9:16
Speaker 1: related to student loan debt repayment. She has many years
9:19
Speaker 1: of practical higher education and financial aid experience. Uh, this
9:24
Speaker 1: lewis Um. When you say financial aid experience, wasn't that me?
9:29
Speaker 1: I've been because financial aid enabled me to get through
9:31
Speaker 1: school and that's why I didn't have any debt. When
9:34
Speaker 1: it is financial aden. Now that's a different financial aged
9:37
Speaker 1: student loans, right, because I'm assuming that when I when
9:40
Speaker 1: you make that statement, my financial age that I got
9:42
Speaker 1: through college, it wasn't tied to a loan. And so
9:46
Speaker 1: because I was under that middle class that you was
9:49
Speaker 1: talking about now, when you say a financial aid and
9:52
Speaker 1: financial aid experience, what are you referencing? So financial way
9:56
Speaker 1: consists of student loans as well, you may have not
9:58
Speaker 1: had to use one isn't consist of that term? So
10:01
Speaker 1: financially can be a scholarship, a grant, or a loan
10:05
Speaker 1: or a fellowship. So that's a broad term. Um, but
10:08
Speaker 1: it can mean different things to different people, and so UM.
10:11
Speaker 1: In my past experience with working in the higher education
10:14
Speaker 1: system at different colleges and universities, UM, that was one
10:18
Speaker 1: of my roles to assist with the onboarding process of
10:21
Speaker 1: applying for financially making sure that you had enough to
10:25
Speaker 1: cover the tuition in the bill. So it can depend
10:28
Speaker 1: for each person, but in general it means, um, there
10:31
Speaker 1: some total of how you'll pay for college? Great? Serious?
10:35
Speaker 1: The question I want to ask them go down in
10:37
Speaker 1: order because I think all of them when you when
10:39
Speaker 1: you're answering one is going to affect the other one.
10:41
Speaker 1: How do student loans affect home buying opportunities? Oh? Yeah,
10:47
Speaker 1: this is important because as a two thousand and sixteen UM,
10:50
Speaker 1: the federal government changed their lending practices to say that
10:54
Speaker 1: student loan payments has to has to definitely be in
10:58
Speaker 1: repayment and be accountant and overall that's income payment ratio
11:02
Speaker 1: that someone has prior to that. As long as you
11:05
Speaker 1: see the loans were in deferments for twelve months or more,
11:07
Speaker 1: you never had to put on paper um or be
11:10
Speaker 1: or consider what that payment would look like. It didn't
11:13
Speaker 1: count and the equation. But as the two thousand and
11:15
Speaker 1: six SNE does, so so many people pray the forbearance
11:19
Speaker 1: or the differnment game that now you have to be
11:22
Speaker 1: in repayment to qualify for a home. So that's a
11:26
Speaker 1: big deal. Now, what are my options if I cannot
11:30
Speaker 1: repay my federal loans? If you can't repay your loans,
11:35
Speaker 1: well a couple of things. It's if you don't want
11:38
Speaker 1: to pay, if you can't pay, okay, I'm trying to pay,
11:40
Speaker 1: I'm trying to lowers. I'm trying to pay it, but
11:42
Speaker 1: I can't. What what are my options? Because there are
11:45
Speaker 1: two different people that's always say let's be cleared, right,
11:47
Speaker 1: but you you have gonna sations right. There are different
11:51
Speaker 1: forbearance and economics differmation you may be eligible for, and
11:55
Speaker 1: a lot of times the government can subsidize the repayment
11:58
Speaker 1: costs as well. But it comes down to understand your lifestyle.
12:02
Speaker 1: You may not can repay because the home you're in
12:04
Speaker 1: cost too much. The part you drive is the cost
12:07
Speaker 1: of your student and payment. The cable may need to
12:09
Speaker 1: be clipped. Nobody likes to hear that because that's changing
12:13
Speaker 1: the lifestyle or what they start their liveship looked like.
12:16
Speaker 1: But the government is wildly concerned with getting paid before
12:19
Speaker 1: you enjoy amenities. So sometimes you do have to check
12:23
Speaker 1: and cut back on the things that you have so
12:25
Speaker 1: that you can live a comfortable life. So how direct
12:28
Speaker 1: TV you know, came to watch that? I gotta go. Okay,
12:33
Speaker 1: so let me see so shopping body fast food that
12:37
Speaker 1: might have started cooking at the house, right, that's a
12:39
Speaker 1: lot cheaper correct or, or you can increase your income.
12:43
Speaker 1: Sometimes you need an additional stream of income. Sometimes you
12:46
Speaker 1: do need to figure out I need another job or
12:49
Speaker 1: do I need a better paying job. So the thing is,
12:51
Speaker 1: this is an investment. So it wasn't a grant, it
12:54
Speaker 1: wasn't a gift. So you do need to figure out
12:56
Speaker 1: how am I going to return the investment back to
12:59
Speaker 1: the lender. You need more income? You said something really important,
13:02
Speaker 1: this is this was not a grant, this was this
13:04
Speaker 1: was this was it was non federal aid. This was
13:08
Speaker 1: a loan okay alone, And a lot of people want
13:12
Speaker 1: to cry wolf or cry cry cry, oh all this debt?
13:19
Speaker 1: What am I gonna do? Okay, Okay, you know, because
13:23
Speaker 1: some people get all the way through med Sico have
13:25
Speaker 1: two and death. So when you get out, okay, I can't.
13:30
Speaker 1: I can't cry about that because you knew that you
13:33
Speaker 1: went to school that far because you were trying to
13:35
Speaker 1: get a job. They're gonna pay you a lot of money.
13:37
Speaker 1: And then you now the government saying we're gonna know,
13:41
Speaker 1: we want to know about that debt before you try
13:43
Speaker 1: to buy a home, correct exactly. So they won't even
13:47
Speaker 1: allow you to buy a home. In the pre approval process,
13:50
Speaker 1: you're gonna be held up. So don't even get your
13:52
Speaker 1: credit check because you just need to know going into
13:56
Speaker 1: that's what you're listening today. Put your loans and re
13:58
Speaker 1: payments first. And we partner with so many potential home
14:02
Speaker 1: buyers because we had different lenders in different programs that
14:06
Speaker 1: if you owe over fifty thousand loans, you could still
14:08
Speaker 1: get a home. But we've got to be savvy about
14:10
Speaker 1: how we had to show up on your credit report
14:13
Speaker 1: and we help. I would say close to three hundred
14:15
Speaker 1: potential buyers a month with this process, so we're very
14:18
Speaker 1: familiar with it. Three hundred potential buyers a month. Yes, this,
14:25
Speaker 1: I'm sure. I'm assuming this is country nationwide that you're
14:28
Speaker 1: getting these calls. Oh yeah, exactly what we were nation
14:32
Speaker 1: wide was client jazz. I think she said that, like us,
14:35
Speaker 1: do you know who you're talking to? We're not just
14:38
Speaker 1: statewide to city. Were not wrapped into a zip code
14:41
Speaker 1: with nationwide. In fact, we worldwide. Sometimes when they dial
14:44
Speaker 1: arone number, we tell no, we don't do anything. You know,
14:47
Speaker 1: it's funny. We do have worldwide clients. But there, I
14:52
Speaker 1: don't know if that there you go, there you go.
14:55
Speaker 1: Let's talk about what does consolidation of my loans mean?
14:58
Speaker 1: That was one of your questions. Yeah, I think you
15:02
Speaker 1: don't supportant. A lot of people don't understand consolidation and
15:05
Speaker 1: then they get tricked and they think that the loan
15:07
Speaker 1: will go away or they paid you off the full. No. No, no.
15:10
Speaker 1: Validation is just to some photovol your loans into one
15:13
Speaker 1: manageable payment with one lender and in order to be
15:17
Speaker 1: eligible for home money and serves forgiveness programs. You do
15:20
Speaker 1: need to consolidate your loans. It can change the terms
15:23
Speaker 1: of your repayments, so it can make your overall interest
15:26
Speaker 1: rate high because it's the something average of your all
15:29
Speaker 1: of your loans and their interest rates. So that's not fun.
15:32
Speaker 1: But a lot of lenders and again those public service
15:35
Speaker 1: don't forgiveness program um that are real, right, they are
15:39
Speaker 1: priving consolidation. Well, you know, I want to tell everybody,
15:42
Speaker 1: like early on in my life or you know, I
15:44
Speaker 1: had multiple credit lines of credit that will open and
15:47
Speaker 1: I consolidated. One of the best moves I did was
15:50
Speaker 1: consolidate my loans into a single payment. But you have
15:53
Speaker 1: to remember that's a debt, so you don't just suddenly
15:57
Speaker 1: go out there those charges, those credit cards that you
15:59
Speaker 1: cleaned up, don't start using them until that single debt
16:02
Speaker 1: is paid up. And that's what people make a lot
16:05
Speaker 1: of mistakes. They go, Okay, a single single payment, yes,
16:09
Speaker 1: but that single payment resolved some issues over here that
16:11
Speaker 1: you were having because you got out of hand on
16:14
Speaker 1: your spending. So pay off that single debt, live on
16:18
Speaker 1: the cash lifestyle, and that's that's I think it's important
16:22
Speaker 1: that people understand that because I do that problem. I
16:24
Speaker 1: do that in my credit cards because if I charge
16:27
Speaker 1: something that month, then I'm gonna pay it off at
16:29
Speaker 1: the end of the month. I do not overcharge. I
16:31
Speaker 1: do not charge anything I can't pay off in thirty days.
16:34
Speaker 1: I really don't. If I'm gonna charge it, it's gonna
16:37
Speaker 1: be paid off in thirty days. Do not ever charge
16:39
Speaker 1: anything that you go, well, I paid off down the line,
16:42
Speaker 1: because the interest rates will kill you and you can't
16:44
Speaker 1: write it off. You can't write it off. That's my
16:47
Speaker 1: little note about cou Soliday loan, Like we we won't
16:51
Speaker 1: talk about. Can you kind of hit on this a
16:52
Speaker 1: little bit earlier how to resolve default or wage garnish loans? Yes,
17:00
Speaker 1: So this is a big challenge because so many people,
17:02
Speaker 1: like the example you gave by like I'm not paying
17:04
Speaker 1: it ripping up right. So that's the group that we'll
17:07
Speaker 1: be hearing from and about nine months, two hundred and
17:09
Speaker 1: seventy business days, right, So that's the thing we want
17:12
Speaker 1: to see. You know, they're not having pleasant days that
17:15
Speaker 1: work because they're checking sixteen percent smaller each pay period.
17:20
Speaker 1: Could could weighs donagement and the fault can be resolved. Right.
17:25
Speaker 1: You might do it through consolidation, you might can do
17:27
Speaker 1: it through an affordable retainment plan. But when it gets
17:30
Speaker 1: to that point, that's when collection agencies take over. They
17:35
Speaker 1: take it over, and they're not the nicest people. So
17:37
Speaker 1: we help people before or even once they're at that
17:40
Speaker 1: point because it's stressful. I mean literally, it's their job
17:44
Speaker 1: to make you not want to come to an agreement.
17:46
Speaker 1: Because if the collection agency can keep the loans that
17:49
Speaker 1: they were given to work on behalf of the lender,
17:52
Speaker 1: they get to add a six thousand dollar administration fee.
17:56
Speaker 1: So if you never own up to this or you
17:58
Speaker 1: start paying on it without a correct agreement, you just
18:01
Speaker 1: added six thousand dollars to your bill. And a lot
18:04
Speaker 1: of people don't know that exactly at the top of
18:06
Speaker 1: the letter. But of course people don't be every detail.
18:09
Speaker 1: Let everybody know about people. Let everybody know what garnish
18:12
Speaker 1: and your wages. You know, like I said, you get
18:14
Speaker 1: you you get your check, Let's say six dollars, and
18:17
Speaker 1: the taxes come out. The tax is gonna come out.
18:20
Speaker 1: The taxes come out, and then that mouth is left.
18:24
Speaker 1: That's the part that's garnished. You know, they don't they
18:29
Speaker 1: don't garnish the whole of mouth before taxes, taxes come out,
18:32
Speaker 1: Uncle Sam get his money. Then whenever you got left, god,
18:37
Speaker 1: well you got some some child support payments where you've
18:40
Speaker 1: really got problems, then you know, because they're gonna get
18:42
Speaker 1: their money. Don't care whatever left, They're gonna get their money.
18:45
Speaker 1: And then it just keeps getting small and small and smaller. Ms. Lewis,
18:48
Speaker 1: I want to thank you for coming on the show
18:49
Speaker 1: that you are just you are entertaining you all. I
18:52
Speaker 1: know that down here to say you're you're very popular
18:55
Speaker 1: expert speaker across the country. You've shown it on this show.
18:58
Speaker 1: And can you tell everybody in the phone number again
19:01
Speaker 1: as well as the website so they could be one
19:03
Speaker 1: of those three hundred callers that they call. They call
19:06
Speaker 1: you that number and they want to get support and help,
19:08
Speaker 1: and maybe one of those international callers who got property
19:11
Speaker 1: stay side. Yeah. So we're open today on the nine
19:14
Speaker 1: pm Eastern two six seven three six one one one
19:19
Speaker 1: six and then our website is doctor Please Help Me
19:22
Speaker 1: dot com and on Instagram you can follow my page
19:25
Speaker 1: at the Student Loan Doctor. So thank you so much
19:28
Speaker 1: for having us and I really appreciate your time today
19:31
Speaker 1: and making awareness to this issue. You're you're fantastic and
19:34
Speaker 1: we'll have you back