2023 Student Loan Forgiveness Update: The Good, the Bad, and the Ugly

Remember back in August of 2022 when we were all stoked to hear about the Biden Administration’s plan to forgive federal student loan debt? Yeah. Things have changed.

I’m here to update you on the status of federal student loan forgiveness. Shit’s complicated though, so if you didn’t read our FAQ about the program when it was first announced, you might want to get that background before reading any more. Go ahead, we’ll wait.

Now that you have the background, I’ll give you the latest on where federal student loan debt forgiveness stands, along with some guidance on what student loan borrowers can do from here. Spoiler alert: there’s Bitch-on-Bitch drama at the end.

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Season 4, Episode 9: “I’m on the Wrong Career Path. How Do I Convince a New Industry To Take a Chance on Me?”

Hello and welcome to another edition of Using Only Gifs, Let’s Get a Song Stuck In Your Head!

Just kidding. It’s actually an episode of the Bitches Get Riches podcast! But while brainstorming titles for this episode, I got ABBA stuck in my head. And misery loves company, soooo…

Bitchlings, we love talking about career transitions. It’s always so magical and rewarding when it happens! My own career transition was an agonizing decision and process that actually resulted in one of the most rewarding jobs I’ve ever had. So we’re thrilled to impart some of that wisdom to our question asker this week.

Is that wisdom to in fact sing ABBA at new employers until they take a chance on you? BITCH, IT MIGHT BE. Watch the episode to find out.

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Barbara Sloan’s New Book Dares To Suggest Service Industry Professionals Deserve Financial Stability Too

Last year at the EconoMe Conference in Cincinnati, Kitty and I were excited to meet many a cool human. Much to our general shock and consternation, many of those cool humans were excited to meet us too! And not just because we were like “Hi we’re friends with Paula Pant.”

This is where we met Barbara Sloan, founder of Tipped Finance. Barbara is a veteran of the tipped workforce: a former waitress, bartender, stripper, and several other tipped professions. More importantly, she’s also a huge money nerd. She has made it her mission to dispense financial know-how specifically tailored to service industry professionals! And she does it all with the fierce determination and tireless badassery we like to see in our women.

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{ MASTERPOST } Everything You Need to Know about Credit and Credit Cards

You didn’t want to watch a scary movie. But your friends at the 10th-grade sleepover insisted. “It’ll be fun!” they said. “Don’t be chicken!” they said.

Now you find yourself huddled under blankets on the couch in your best friend’s basement rec room giggling nervously over popcorn and hoping you won’t pee yourself at the first jump scare. Your friends shush each other as the movie starts.

Creepy music ushers in the opening scene. Lighting and thunder clash on the screen. With the lights turned off and you trembling with fear, the title of tonight’s horror movie flashes across the screen: Credit IV: It Comes for Us All.

Watching horror movie Credit IV: It Comes for Us All

One of the most common questions we get here at Bitch HQ is “… creeeediiiiit??????” And that’s not surprising! The system of credit reporting, credit scores, and credit cards is hella confusing. It’s also pretty fucking classist, racist, and ageist… by design. Heckin’ scary, man!

So to fulfill our mission of [checks notes] sticking it to The Man by democratizing financial acumen, we’ve written and said a ton on this topic. Here it all is: our primer to understanding and managing your credit so you can use it to get ahead… or at least prevent it from getting you down.

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Season 4, Episode 7: “A Coworker Smells Bad. How Do I Address This Super Awkward Issue at Work?”

NEW MOM ALERT! NEW MOM ALERT! LAUNCH THE ALERT FIGHTERS!

That’s right, bitchlings. Your humble Bitches have a whole entire NEW MOM. Her name is Kathleen and we are devoted to being good daughters to her. We do that by delivering spicy, spicy nuggets of adulting wisdom, served up with a soupçon of rage against the machine and/or patriarchy. And in return, she bestows upon us the highest tier of our Patreon donations!

Mama Kathleen, we’re so grateful for you and your generous patronage. We hope to make you proud.

Now, on with the program!

This time we’re covering a case study we simply couldn’t resist. Namely: How do you handle extremely awkward interpersonal issues in the workplace? Do you stage an intervention? An Ocean’s 11-style heist? An elaborate play the likes of which would make Hamlet look decisive and direct by comparison? Do you change your name and leave the country???

Or is the answer “none of the above”?

Our solution (hopefully) will not surprise anyone.

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Season 4, Episode 6: “I’m Not Feeling Challenged at Work Anymore. Does That Mean It’s Time To Move On?”

Do not adjust your speakers. This week’s episode of the Bitches Get Riches podcast does indeed start with chicken noises and saxophone mouth sounds. And we’re not even sorry.

Today we’re discussing a very good problem to have. What do you do with yourself once you’ve successfully aced your job and you’re out of challenges at work? Do you stick around, resting on your laurels? Or will that stagnate your career progress and turn your mind slowly into mush?

Anyone who’s stuck around here for long knows our thoughts on the matter. And they’re definitely more DTMFA than have-a-nice-cold-pint-and-wait-for-this-all-to-blow-over.

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Season 4, Episode 4: “I’m $100K in Student Loan Debt and I Think It Should Be Forgiven. Does This Make Me an Entitled Asshole?”

In the superhero origin story of Bitches Get Riches, student loan debt was our very first super villain. Only through defeating it did we become the Bitches, mighty warriors for truth, justice, and the debt-free way.

And since that legendary victory, we’ve had a lot to say about student loan debt: how it’s a uniquely predatory form of debt, how hard it is for many to escape, and why those desperate enough to get into student loan debt shouldn’t feel ashamed for wanting a way out.

So it should surprise no one that in the debate over whether or not federal student loan debt forgiveness should be a thing, our position is a resounding hell yes.

This week on the podcast we let out all the repressed rage we’ve been holding in at those who say things like “I don’t want to pay for someone else’s education,” and “I paid my student loan debt and so should you.” So tune in (or read the transcript below) to rage-scream with us!

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Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?”

If thinking about credit card debt puts a terrible feeling in the pit of your stomach, we get it. We all live in a world where the cost of living keeps climbing while minimum wage remains frozen in carbonite. Everybody’s out there trying to find ways to make up the impossible difference. Unsurprisingly, consumer debt is at an all-time high. And a lot of people struggle silently as their money struggles mount.

The good news? Well, there’s not much, but there is this: you are not alone. So many people experience the same confusion, frustration, dread, and shame that you do. Nobody plans to enter a cycle of insurmountable credit card debt. Shit happens, and it happens to all of us.

More good news? You aren’t doomed to stay in credit card debt forever. There’s a path to climb out of the chasm of despair that is consumer debt. Now, this path is no escalator. Depending on how bad your situation is, it’s a steep staircase at best (at worst, bring your crampons). But as two people who climbed that difficult path ourselves, we have a lot of advice and encouragement to give.

Climbing out of credit card debt like

If you’re in credit card debt and you don’t want to be, listen to today’s episode. And if you’re good, share this article with a friend who might be struggling. It’s a friendly and compassionate introduction to the basics of getting out of credit card debt.

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Season 4, Episode 2: “We’re Moving in Together but Don’t Plan To Get Married. How Can We Split Finances Fairly?”

Raise your hand if you’ve ever cohabitated with a romantic partner… and you didn’t put a ring on it.

I thought so, you sinful heathens. Say ten Hail Suzes and sin no more!

Moving in with a romantic partner—or even just a friend—and splitting finances is a rite of passage. But how do you navigate that relationship with caution and respect? Is there a right way or a wrong way to split finances? And what if you [gasp!] break up?!?!?

On the podcast this week, we talk about our own experience splitting finances with each other and with romantic partners over the years as we answer a question from a listener who is moving in with their partner with no intention of getting married or combining bank accounts. Enjoy this little glimpse into Bitch history as we wax nostalgic about the days when we could share groceries… and shoes.

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Season 4, Episode 1: “Index Funds Include Unethical Companies. Can I Still Invest in Them, or Does That Make Me a Monster?”

Here it is. The moment you’ve all been waiting for. It’s time for… THE BITCHES GET RICHES PODCAST, SEASON 4!!!

Bitch Nation, we took a nice long hiatus between seasons while we jiggled some cords and perfected our format to bring you only the finest in podcastatory entertainment. And the premiere episode of season four has EVERYTHING… if by “everything” we mean the Bitches singing Hamilton show tunes, discussing the ethical practicalities of gun ownership, a minimum of 3-5 juvenile jokes related to poop and/or sex organs, and the terrible fake Wisconsin accents no one asked for.

Also… WE’RE ON YOUTUBE! That’s right, dear listeners/readers. This season you can consume the one and only Bitches Get Riches podcast in three ways: by listening on your favorite podcast streaming platform, scrolling down and reading the episode transcript, or by gazing in awe at our YouTube channel.

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