Are student loans holding you—or your child—hostage?The student debt crisis in the US is now nearly $2T, affecting more than 45 million Americans across race, gender and socioeconomic background. While traditionally referred to as “good debt”, these days, more and more graduates are having a bad experience once they make it across the stage and into the repayment period, which begs the question: Is it a good idea to take on student loans in this day and age?In this powerful episode, we sit down with Briana Franklin, financial wellness advocate and creator of UnDEBTfeated, who is leading the movement to break the cycle of predatory lending, including student loans.Briana dives deep into the truth behind the student loan system—what borrowers really need to understand before signing the dotted line—and how families can protect themselves from long-term debt traps.Don’t sign anything until you hear this! Empower yourself with the knowledge to make smarter, safer decisions for your financial future.If you tune into this episode of the podcast and apply the tips to leave student loan stress behind, I promise that you will #thankmelater! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #studentloans #studentloan #prosparityproject #Undebtfeated #brianafranklinSTAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ Connect with Briana:https://brianabfranklin.comhttps://www.instagram.com/brianabfranklinhttps://www.linkedin.com/in/briana-b-franklin______RESOURCES: - Join the TML Community: https://www.thankmelatermoney.com - Check out TML’s Financial Aid & Scholarships Podcast Playlist: https://youtube.com/playlist?list=PLMZGn9VLVoiBwEDe60DlAgBC4MUSQmxSJ&si=Ex0zKeFcYSbGszh1 - Get your TML Scholarship Organizer:https://thankmelatermoney.myshopify.com/collections/shop/products/scholarship-organizer Briana’s Resources: https://www.youtube.com/@undebtfeatedhttps://www.wsj.com/finance/banking/goldman-sachs-removes-mentions-of-black-from-flagship-diversity-pledge-3110861e?mod=hp_lead_pos10______TIMESTAMPS:4:45 - The racial disparities with student loans8:01 - How Briana racked up nearly $120K of student loans 11:16 - The misconception of student loans14:56 - The history of student loan ballooning into a huge economic problem 18:12 - The slippery slope of Parent Plus loans 19:58 - Student loans on the financial aid award letter 22:19 - What happens to Parent Plus loans if your student doesn’t graduate 23:34 - What happens if someone becomes disabled and pass away 25:43 - What should parents know about co-signing on student loans 31:15 - Navigating student loans in 202533:56 - A strategy for navigating Parent Plus loans 37:53 - Consider this strategy if college is the goal 43:50 - Tips if you are drowning in student loan debt

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