Today I’m going through my student loan debt pay off strategy and kicking off my debt free journey. I’ll be looking at the exact amounts I owe in student loans, why I want to pay them off now, and how I am using my annual budget to determine how much I can realistically pay each month while still saving for my financial goals and unexpected expenses. Finally, we end with making my first payment.

Thank you for watching. If you enjoyed this video and would like to see more content like this, consider liking the video and subscribing to follow my financial freedom journey.

Resources / Links Mentioned
Try YNAB 34 Days Free! https://ynab.com/referral/?ref=NGjR9aw384rLUfFn
If you would like, you can support my channel by buying me a Coffee. Any support will go towards paying off my student loans buymeacoffee.com/averysmoneymoves
Follow me on instagram: https://www.instagram.com/averys.money.moves
Email Inquiries: averysmoneymoves@gmail.com

Videos / Channels Mentioned:
My New Budget for 2025: https://youtu.be/z8ESackGTU4?si=C1ky6oM4bcW8DLIQ
https://www.youtube.com/@laurensmoneymindset Budget Spreadsheet: https://www.etsy.com/listing/1031721868/budget-spreadsheet?click_key=c2c52960388acf4c0598098de1c63e60adbda5f2%3A1031721868&click_sum=140bfb16&ref=shop_home_active_7

Chapters:
Intro: 0:00
How much I owe + Why pay off my loans now?: 1:04
Using my annual budget to determine the amount I can pay each month: 8:11
Making a payment!!: 23:11

A little about me:
My name is Avery, I’m 26 years old and I live in Ohio. I make a gross salary of $60k a year and have $18.5k in student loan debt. My channel is all about my financial freedom journey, going from a low income childhood to a (hopefully) financially prosperous adulthood.

tags:
How I paid off my student loans, how to lower student loan payments, how to pay back student loans fafsa, how to pay off student loans fast, I paid off my student loan, student loan repayment, my student loan strategy, paying off debt on a low income, paying off $22k in student loans, how to pay off all your loans, paying off student loans, repayment of education loan, save student loan plan, federal student loan repayment options, advantage student loans repayment, why you should pay off student loans, how can I pay off my student loans faster, how to get rid of student loan debt, how to reduce student loan debt, how to become debt free, benefits of being debt free, debt free journey, paying off debt journey, create a realistic debt payoff plan

— ?????? ?? ???????? ????????, ?????? ??? ??????? ??????????
Message Title: Premarital Counselling #premarital #beforemarriage #yourspouse
Speaker: Brother David Raj Kumar, Lecturer in Botany – Andhra Christian College, Guntur.

Original YouTube Channel: https://www.youtube.com/live/LeFaT1kk4Gs?si=JTR71i5BwTyNETH9
Link: https: https://www.youtube.com/@swh7541

#??????, #?????? ????????, #??????, #??????????????, #???????, #???????? ???????, #????????, #??????????????? #????????????????? #Shorts #postmarriage #pre-marriag-counselling #pre-marriage #??????????????????????? #?????? #?????????????????????? #???????????????? #?????????????? #??????????????

Other Playlists for Shorts:
1. GOD looks for a Man – for shorts on sermon dt. 3 Mar 2024
2. The Beauty of God’s Order – for shorts on sermon dt. 1 Sep 2024
3. The manifold Grace of God – for shorts on sermon dt. 3rd Nov 2024
4. Family Seminar Part 01 #postmarriage #postmarriagcounselling #telugu
5. Family Seminar Part 02 #postmarriage #postmarriagcounselling #telugu
6. Family Seminar Part 03 #postmarriage #postmarriagcounselling #telugu
7. 2024-2025 WatchNight Service – Part 1 (till 31 Dec 2024 – midnight)

You are welcomed to share any video that I post in this channel without editing.
#shorts #marriage #debt #christian #wedding #finances #godlymarriage #biblical #money #wisdom #christianliving #testimony #responsibility #planning #financialfreedom

Discover the best debt consolidation loans in 2025 to simplify your payments and save on interest.
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Discover the best debt consolidation loans in 2025 to simplify your payments and save on interest.

Timestamp Sections:
00:00 Intro
00:34 Understanding Debt Consolidation vs. Debt Relief
02:10 National Debt Relief
03:30 Freedom Debt Relief
04:45 Accredited Debt Relief
05:50 Key Comparisons
06:57 Factors to Consider Before Choosing
08:08 Outro

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Overcoming Debt with Smart Solutions
————————————————

Dealing with debt can be overwhelming, but solutions like debt consolidation offer a practical path to financial freedom. By combining multiple debts into one manageable payment, you can simplify your finances and negotiate more favorable terms.

In this video, I’ll share my experience with debt consolidation and introduce you to four top-rated services that specialize in helping people regain control of their finances. We’ll explore each company’s offerings, the types of debt they handle, and their fee structures so that you can find the best option for your situation.

————————————————
Top Debt Consolidation Services
————————————————

First on the list is Freedom Debt Relief, known for transparency and working with the Legal Partner Network to settle debts efficiently. They charge fees between 15% and 25% of your enrolled debt and offer a custom payment plan. Next is National Debt Relief, which focuses on settlement negotiations for those with over $7,500 in unsecured debt, with savings often reaching 23%.

For faster results, consider Accredited, ideal for debts over $10,000, offering quick resolutions but requiring patience for credit recovery. Lastly, JG Wentworth, a well-known service, helps avoid bankruptcy with strong customer support and slightly higher fees ranging from 18% to 25%. Each of these services offers unique advantages, so choosing the right one depends on your financial needs.

————————————————
Exclusive Discounts and Final Thoughts
————————————————

If you’re ready to take the next step toward financial stability, use the affiliate links in the description for exclusive discounts on these services. By following a structured plan with any of these companies, you’ll reduce stress and work toward becoming debt-free in as little as two to four years.

Don’t forget to like, comment, and subscribe for more financial tips and reviews. Let me know in the comments which service you’re considering or any questions you have, and I’ll get back to you soon. Thanks for watching, and here’s to a debt-free future!

Hope you enjoyed my Best Debt Consolidation Loans in 2025 Video.

BSCC – Credit Counselling – Debt Help for Canadians – Avineet Kalsey 2025 Social News Interviews

How BSCC supports you on your credit rebuilding journey.

You don’t need to struggle with debt, BSCC can help reduce your debt by over 50%-90% RIGHT NOW – call us today at 1-866-790-8984 – it’s free!

or Visit:

Business Solutions & Credit Counselling Services

Surrey/Vancouver office:
12033 92A Avenue #205, Surrey, British Columbia V3V 4B8
Tel: 604-951-8984
https://www.google.com/maps/search/?api=1&query=Google&query_place_id=ChIJL1279avZhVQRcFfM-jxSTYI
https://youtu.be/h8i8IfKGuL4

Toronto Office:
#43 – 8500 Torbram Road
Brampton, ON L6T 5C6
Tel: 905-789-8984
https://www.google.com/maps/search/?api=1&query=Google&query_place_id=ChIJJ4sBqTU8K4gRs9_C_X7vdoY

Calgary Office:
#210-3132 26 Street NE
Calgary, Alberta T1Y 6Z1
Tel: 403-714-8984
https://www.google.com/maps/search/?api=1&query=Google&query_place_id=ChIJn15U01hlcVMRf-RRnQPuX2I

Edmonton Office:
5227 55 Ave NW,
Edmonton, AB, T6B 3V1
Tel: 780-716-8984
https://www.google.com/maps/search/?api=1&query=Google&query_place_id=ChIJbXVjr9QjoFMRknomZFSi39E

Winnipeg Office:
330 St. Mary Ave,
Winnipeg, MB, R3C 3Z5
Tel: 204-962-8984

Abbotsford Office:
#1A – 2497 Clearbrook Road
Abbotsford, BC V2T 2Y3
Tel: 604-951-8984
https://www.google.com/maps/search/?api=1&query=Google&query_place_id=ChIJq6r-pk01hFQRBEctRuNDUqU

or Nationwide call: 1-866-790-8984
49.047552, -122.337449
https://www.bscc.ca

Don’t spend another year racking up unnecessary debt and dig yourself deeper into an unrecoverable situation – we can help! You can avoid going into bankruptcy – it’s a negative mark on your credit and can last for 7-10 years – where a neutral credit counselling notation is REMOVED once someone completes the program. You really can turn your financial life around quickly – just call us and receive a free evaluation of your situation with some helpful advice and absolutely no obligation to take any action if you don’t wish to.

Remember – you DO NOT (and in a lot of cases, SHOULD NOT) always have to go into bankruptcy – we can share valuable information about your options that your bank or other credit counselling companies may not be willing to share with you – because it’s not in their best interest! We work on YOUR behalf, and thus ensure that you receive the very best information for your specific situation. Contact us today at BSCC for a free consultation about your finances – This can be the year that you begin on the journey to finally become debt-free!

For over 20+ years, the professionals at Business Solutions and Credit Counselling Services (BSCC), a registered, government-approved credit counselling firm, has assisted hundreds of thousands of consumers throughout Canada to avoid declaring bankruptcy, prepare a consumer proposal, rebuild their credit rating, and pay off their excessive charge card debt. These are clients who were once struggling to manage excessive debt and financial obligations. We work with each client individually, designing manageable, realistic programs to relieve their financial burden and stress.

For more information about using effective debt counselling nationwide wherever you live in Canada – and how to avoid bankruptcy and becoming debt free from high credit card debt or even business bankruptcies, please visit us at https://bscc.ca or call 1-866-790-8984 today! We have credit counselling offices in Toronto, Vancouver (Surrey), Calgary, Edmonton, Winnipeg, and Abbotsford.

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A report from the Philadelphia Federal Reserve also shows a record-high number of Americans are only paying the minimum monthly payment on their credit card bills, peaking at nearly 11% of all accounts in the third quarter of 2024. Ted Rossman, senior industry analyst at Bankrate, joined CBS News to discuss the issue.

CBS News 24/7 is the premier anchored streaming news service from CBS News and Stations that is available free to everyone with access to the internet and is the destination for breaking news, live events, original reporting and storytelling, and programs from CBS News and Stations’ top anchors and correspondents working locally, nationally and around the globe. It is available on more than 30 platforms across mobile, desktop and connected TVs for free, as well as CBSNews.com and Paramount+ and live in 91 countries.

Subscribe to the CBS News YouTube channel: https://youtube.com/cbsnews
Watch CBS News 24/7: https://cbsnews.com/live/
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Subscribe to our newsletters: https://cbsnews.com/newsletters/
Try Paramount+ free: https://paramountplus.com/?ftag=PPM-05-10aeh8h

For video licensing inquiries, contact: licensing@veritone.com

Learn how an accredited, non-profit credit counsellor can help you improve your credit rating

You guys prefer the AI voice or just text?

“I was constantly getting calls from creditors. I was scared to pick up private numbers… I would definitely recommend Debt Mediators.” – Kayla

Learn how to break free from the stress of debt with practical, actionable steps that go beyond generic advice. From understanding your debt and choosing the right repayment method to boosting your income and building an emergency fund, this guide will empower you to take control of your finances. Transform your financial future and reclaim your peace of mind-starting today!

???? If you found this video insightful, please give it a thumbs up, subscribe to our channel, and hit the notification bell to stay updated on the latest in global politics. Share this video with friends and family to keep the discussion going!

#DebtFreeJourney
#FinancialFreedom
#MoneyTips
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#PersonalFinance101
#BudgetingMadeEasy
#FinancialGoals
#SaveMoneyTips
#WealthMindset
#MoneyManagement
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#SmartMoneyMoves
#FinancialEducation
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#FinancialSuccess
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#BuildWealth

#debt #studentloandebt #consumerism

Content note: depictions of a hospital/ medical emergency starts at 22:54, ends at 23:51.

Debt is an inescapable aspect of American life. Millennials and Gen Z have taken to social media platforms like TikTok, Instagram and X (formerly known as Twitter) to discuss their staggering 5 to 6-figure debt. From student loan debt to credit card debt to medical debt, a large segment of the American population is grappling with the debilitating anxiety that comes with being financially insecure. In this video, I dive into how America keeps its citizens in debt and what you can do to overcome this.

Sources:
Congress 2008 Recession Bailout
https://www.nytimes.com/2008/10/03/business/worldbusiness/03iht-bailout.4.16679355.html

How the Paycheck Protection Program went from good intentions to a huge free-for-all
https://www.npr.org/2023/01/09/1145040599/ppp-loan-forgiveness

Welcome to America! Now learn to be in debt
https://www.npr.org/2023/05/24/1175798797/immigrants-credit-score-credit-card-debt

Dignity Not Debt
https://www.ucpress.edu/books/dignity-not-debt/hardcover

The Making of the Indebted Man
https://mitpress.mit.edu/9781584351153/the-making-of-the-indebted-man/

Debt: The First 5,000 Years
https://warwick.ac.uk/fac/arts/english/currentstudents/undergraduate/modules/fulllist/special/statesofdamage/syllabus201516/graeber-debt_the_first_5000_years.pdf

Author Discussion on Debt
https://www.c-span.org/program/book-tv/author-discussion-on-debt/649913

Average American Household Debt Statistics
https://www.businessinsider.com/personal-finance/credit-score/average-american-debt

Household Debt and Credit
https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/HHDC_2024Q1

Kanye West, Tom Brady, Jared Kushner, Reese Witherspoon, other celebs had millions in PPP loans forgiven
https://www.mercurynews.com/2022/08/18/kanye-west-tom-brady-jared-kushner-reese-witherspoon-other-celebs-had-millions-in-ppp-loans-forgiven/

Consumer patriotism is the American way
https://www.vox.com/the-goods/22662889/september-11-anniversary-bush-spend-economy

New America Bank Account Study
https://www.newamerica.org/family-centered-social-policy/reports/racialized-costs-banking/evidence-from-banks-entry-level-checking-accounts/

How race impacts credit: the history and effect on lending practices
https://www.bankrate.com/personal-finance/credit/does-race-affect-credit-score/#:~:text=Even%20though%20credit%20scoring%20models,more%20often%20than%20white%20applicants.

PG&E Bailout
https://www.abc10.com/article/news/local/abc10-originals/newsom-pge-protection/103-65ca1d41-8efe-45b4-87bc-0cdecc714378

https://www.abc10.com/article/news/investigations/gavin-newsom-pge-bailout-law-written-by-firm-that-had-represented-pge/103-4ffb6304-298d-41c2-816a-a8d2a3d66026

Keywords for the algo:
Debt, overconsumption, shopping addiction, consumer credit, credit cards, credit scores, consumer debt, personal finance, U.S. household debt, lending discrimination, mortgage loans, credit history, financial responsibility, U.S. economy, debt reliance, financial literacy, generational wealth predatory lending practices,, revolving credit, economic inequality, debtok, i’m in debt, government bailouts, student loans, auto loans, american education system