👀 Late payments won't hurt your credit score

Hey friends,

Happy ❤️ Valentines Day. Here’s what we’ve got for you this week:

• 😔Credit Card late payments are climbing

• ✉️ Personalized correction letters are in the mail

• 🐺The Wolf of Wall Street’s legacy

• ✅How to check forgiveness credit

• ⏰How statute of limitations actually work

But before we get to those topics, I want to say this:

If you’re waiting on loan forgiveness, your time is coming. It might be in the next few weeks or the next few years. I know it may not seem like it, but it’s coming.

Having said that, I know you want to be done with this sh*t now.

I know you’re ready to be from under this anchor that’s been over your head for years. But I promise, for those of you with federal loans, relief is coming.

We’ve seen it with our own eyes.

In the past year, we’ve helped over 700 people get nearly $82 million dollars in loan forgiveness.

Before we met, many of them were ready to die with the loans. There was just no way out they could see. But then I walked them through the different programs and showed them exactly how it would work and they began to believe — just a little.

I say “just a little” because few of them really trusted what I was showing them.

They had been screwed over so many times with this debt that they just knew nothing good was ever going to happen to them. All that relief they heard about it the news? Sure, it worked for those people, but it wasn’t going to work for them. It never had.

But what if this time it would?

At least that’s what I asked them.

So they trusted me and took a leap of faith. And now they’re free.

My team and I want the same for you. It’s okay if you’re scared or if you’re unsure of the path. Bravery and certainty aren’t eligibility requirements for this program. It’s as simple as having the right loans and being in the right repayment plan until your time comes. We can help you with that. I promise.

With that said, let’s dive into this week’s video.

🔍 A closer look at this week’s stories

• 😔Credit card delinquencies are rising
  And student loans may be to blame, according to a report from the Federal Reserve Bank of New York. Many people are having difficulty absorbing their student loan payments into their budget. If you’re in that situation, consider doing this. (00:49)

• ✉️ Education Department is mailing correction errors
  The return to repayment has been riddled with errors — but that’s to be expected when you turn a payment system back on for 43 million people after a 3 year break. The department is working to fix those mistakes and is mailing personalized responses to people. Let me explain. (04:59)

• 🐺The Wolf of Wall Street comes to debt settlement
  He took what he learned from Jordan Belfort and open a nationwide debt settlement company that stole millions from people.

• ✅Want to find out how much forgiveness credit you’ll get?
  We shared a video to our YouTube channel walking through different scenarios using our free tool that helps estimate your forgiveness credit under the IDR Waiver/one-time account adjustment.

• ⏰Finding your statute of limitations is…complicated
  It could be where you lived at in college or where you live at now. It could be where the bank is headquartered or where you sent payments. Or it could simply be what the contract says. I break it all down in our latest article. I’m working on the video script now.

🤩 Ask me anything

Every week, we answer some broad questions in a Q&A video. Got something you want to ask?

Submit a question

We’ll share the answers to this weeks question on our YouTube channel this Friday.

Thanks for being here. I’ll see you next week for more news and tips.

Want 1:1 guidance from me?

Take care,

Tate