The Student Loan Scam is an exposé of the predatory nature of the $85-billion student loan industry. In this in-depth exploration, Collinge argues that student loans have become the most profitable, uncompetitive, and oppressive type of debt in American history.

This has occurred in large part due to federal legislation passed since the mid-1990s that removed standard consumer protections from student loans-and allowed for massive penalties and draconian wealth-extraction mechanisms to collect this inflated debt. High school graduates can no longer put themselves through college for a few thousand dollars in loan debt. Today, the average undergraduate borrower leaves school with more than $20,000 in student loans, and for graduate students the average is a whopping $42,000. For the past twenty years, college tuition has increased at more than double the rate of inflation, with the cost largely shifting to student debt.

Collinge covers the history of student loans, the rise of Sallie Mae, and how universities have profited at the expense of students. The book includes candid and compelling stories from people across the country about how both nonprofit and for-profit student loan companies, aided by poor legislation, have shattered their lives-and livelihoods. With nearly 5 million defaulted loans, this crisis is growing to epic proportions.

The Student Loan Scam takes an unflinching look at this unprecedented and pressing problem, while exposing the powerful organizations and individuals who caused it to happen. Ultimately, Collinge argues for the return of standard consumer protections for student loans, among other pragmatic solutions, in this clarion call for social action.

Credit card defaults in the U.S. have hit their highest level since 2010, with delinquencies rising 50% in 2024. With $170 billion in interest paid over the past year and increasing financial strain on lower-income households, this episode explores the economic impact and upcoming challenges.
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The year 2010 marked when the National Bureau of Economic Research declared an end to the Great Recession. The economy had shed over six million jobs in 2008 and 2009, but few had been recalled to work by 2010. Today, government policies have yet to make a significant dent in unemployment. In End Unemployment Now, Ravi Batra explores why this is the case. He explains how joblessness can be completely eliminated–in just two years, and without the help of our painfully incompetent Congress. The President and the Federal Reserve have the legal authority to generate free-market conditions that will quickly end the specter of unemployment, all without involving Congress.

Some examples of how to end unemployment without congressional intrusion:
• Creating a bank by the FDIC to compete with banking giants and then charging only 5% interest rates on credit card balances, instead of the standard 10-35% seen today
• Banning mergers among large and profitable firms, as such mergers directly cause layoffs and reinforce monopoly capitalism
• Aid to small businesses in the form of cheap loans and government contracts, because small firms have been real job creators since 1980, while Big Business has been a job destroyer
• Offer retiree bonds to increase the incomes of pensioners who live on savings and whose incomes have been practically destroyed by the collapse of interest rates
• Bring oil prices down to $20/barrel, which would lower a gallon of gas to $1.50

A USA TODAY Best seller!

Four hundred years before Oskar Schindler there was Suleiman the Magnificent, an Ottoman sultan who rescued thousands of Jews from the fires of the Inquisition. Inspired by this amazing and little-known moment in history, Nicole Dweck has imagined an enchanting family saga where the kindness of one man is repaid generations later.

It’s 1544, and young José Mendez and his family escape the Inquisition in Portugal with the aid of Ottoman Sultan Suleiman the Magnificent. Yet it’s only just before fleeing that José even finds out he’s Jewish—and that his own parents died for their faith. As he makes a new life in Istanbul, he yearns to feel connected to the parents he lost, digging deeper into his Jewish roots. But when his own daughter secretly falls in love with the sultan’s Muslim son, José finds himself in a life-changing dilemma, one that will shape generations to come.

Centuries later, when Selim Osman, the last living descendant of the sultan, is diagnosed with a fatal condition, he abandons the only life he’s ever known and flees Istanbul, taking refuge in a New York hospital. In a twist of fate, he meets Hannah, the daughter of a Holocaust survivor and an artist striving to understand a father she barely knows. Unaware the connection they share goes back centuries, they feel an immediate pull to one another. But when something from Selim’s past comes to light, the act that bound two families centuries ago ripples into the future, threatening to tear them apart.

From the 16th-century harem to WWII Paris to modern-day New York, Nicole Dweck weaves together a spellbinding tapestry of history with transcendent love and spirituality that will absorb readers from the very first page.

Former Treasury Secretary Lawrence Summers says the Federal Reserve may need to get involved in fiscal policy and weigh in on the US government’s $33.5 debt mountain because of its implications for interest rates. Summers, a Harvard University professor and paid contributor to Bloomberg TV, speaks on “Wall Street Week” with David Westin.

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Winner of the Margaret Mead Award of the Society for Applied Anthropology

The farm crisis of the 1980s was the worst economic disaster to strike rural America since the Depression—thousands of farmers lost their land and homes, irrevocably altering their communities and, as Kathryn Marie Dudley shows, giving rise to devastating social trauma that continues to affect farmers today. Through interviews with residents of an agricultural county in western Minnesota, Dudley provides an incisive account of the moral dynamics of loss, dislocation, capitalism, and solidarity in farming communities.

New York Times, Wall Street Journal & USA Today Bestselling Series.Seven books in total. This edition contains the last four:  Third Debt “She healed me. She broke me. I set her free. But we are in this together. We will end this together. The rules of this ancient game can’t be broken.”Nila Weaver no longer recognises herself. She’s left her lover, her courage, and her promise. Two debts down. Too many to go.Fourth Debt “We’d won. We’d cut through the lies and treachery and promised an alliance that would free us both. But even as we won, we lost. We didn’t see what was coming. We didn’t know we had to plan a resurrection.”  Nila Weaver fell in love. She gifted her entire soul to a man she believed was worthy. And in the process, she destroyed herself. Final Debt “I’m in love with her, but it might not be enough to stop her from becoming the latest victim of the Debt Inheritance. I know who I am now. I know what I must do. We will be together–I just hope it’s on Earth rather than in heaven.”  It all comes down to this.  Indebted Epilogue A bonus book to be read after:Debt InheritanceFirst DebtSecond DebtThird DebtFourth DebtFinal DebtNo information will be given so no spoilers are slipped, but if you enjoyed the Indebted Series, you’ll want to read this final edition.

Debt Consolidation Loans For Bad Credit

If you have debt then you must have received letters in the mail from companies telling you how they can do debt consolidation for you and save you a ton of money. So before you jump the gun in excitement, watch this video completely to understand whether it’s a real debt consolidation firm, a debt settlement firm or some scammy loan shark company trying to trap you into massive debt repayment program. By the time you’re done with this video you will know how you can do all of the debt consolidation on your own and not have to pay any company to do it for you. In this video we will talk about what is

Debt Consolidation,
Different way to consolidate debt,
What are credit counseling agencies,
How to create a debt management plan,
Benefits of credit counseling agencies and
Pros and Cons of Debt Consolidation.

#debtconsolidation #debtfree #millenialmoney

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Thinking about filing for bankruptcy? Before you can file you are required to take a credit counseling course and submit the certificate of completion along with your petition and schedules. After you file, a second course and certificate are required to qualify for a discharge.

In this video, I explain what is involved with these two mandatory bankruptcy education courses.

Here is a list of approved vendors: http://www.bankruptcyworksheet.com/credit_counseling_vendors.html

Here is a link to my Atlanta bankruptcy web site: http://www.atlanta-bankruptcy-attorney.com.

Jonathan Ginsberg
Atlanta bankruptcy attorney
Ginsberg Law Offices
1854 Independence Square
Atlanta, GA 30338
770-393-4985