October 31, 2024 • 27 mins
Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed, Dr. Sonia Lewis, is the CEO of award-winning business The Student Loan Doctor LLC. She is considered the people’s expert on all matters related to student loan debt repayment. She has over 14 years of practical higher education and financial aid experience.
Dr. Lewis is an expert speaker across all audiences, regardless of age. She has been invited to share her expertise in written work, conferences, or live media: CNN, The White House Briefing on Advancing Equity for Women and Girls of Color, Black Enterprise, SALON Magazine, RT America, Essence Magazine, KYW News Radio 1060 AM, Fox 29, The BET Network, Money Magazine, Forbes, Investfest (EYL) and a host of other notable platforms across the nation. Sonia is also a 3-time self-published author.
Company Description *
The Student Loan Doctor LLC has been recognized as the first African American and woman-owned student loan repayment company in the country. The City of Philadelphia has also awarded us two citations for our business’s impact on the Philadelphia community.
The company was designed to educate others about their student loan debt and provide assistance in making a tangible plan for repayment. The social impact goal of the business is to help a generation of borrowers become free of debt to promote social mobility and wealth building.
Talking Points/Questions *
1. Student Loan Forgiveness and the Election: How the current administration’s policies are shaping forgiveness programs and what borrowers can expect from candidates in the upcoming election.
2. Financial Freedom and Student Loans: Why student loan debt is a major obstacle to financial milestones like homeownership and investing, and how to navigate debt to move towards true financial freedom.
3. Staying in Good Standing: Why keeping your loans in good standing is critical for personal and financial health, and actionable steps borrowers can take today to avoid penalties and default.
4. The Student Loan Doctor LLC, founded in 2016, has been recognized as the first African American and woman-owned student loan repayment company in the country.
5. The City of Philadelphia has also given the business two citations for its impact on the Philadelphia community.
6. The Student Loan Doctor LLC was designed to educate others about their student loan debt and assist them in making a tangible repayment plan.
7. The social impact goal of the business is to help a generation of borrowers become free of debt to promote social mobility and wealth building.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:05):
Welcome to the show.
Speaker 2 (00:06):
I am Rashwan McDonald, the host of Money Making Conversations Masterclass,
where we encourage.
Speaker 3 (00:11):
People to stop reading other people's success stories.
Speaker 1 (00:14):
And start planning their own.
Speaker 3 (00:16):
Listen up as I interview entrepreneurs from around the country,
talk to celebrities and ask them how they are running
their companies, and speak with nonprofits who are making a
difference in their local communities. Now sit back and listen
as we unlock the secrets to their success on Money
Making Conversations Masterclass.
Speaker 2 (00:35):
Hi, I'm Rashan McDonald. I host the weekly Money Making
Conversation Masterclass show. The interviews and information that this show.
Speaker 1 (00:43):
Provides off for everyone.
Speaker 2 (00:44):
It's time to stop reading other people's success stories and
start living your own. I'm here to help you reach
your American dream. Just keep listening, just keep watching. If
you want to be a guest on my show, please
visit Moneymakingconversations dot com and click the bo guests. But
let's get started with our show. Today's guest is the
CEO of an award winning business, The Student Loan Doctor, LLC.
(01:08):
She is considered the people's expert for all matters related
to student loan debt repayment. She has over fourteen years
of practical higher education and financial aid experience. Please welcome
to Money Making Conversations Mathters Class, Doctor Sonya Lewis, how
you doing, doctor good?
Speaker 4 (01:24):
Thank you so much for having me today.
Speaker 1 (01:26):
Well, first of.
Speaker 2 (01:27):
All, thank you for taking the time to come on
my show. Because you I've been doing this since twenty seventeen.
You're the first student loan repayment expert I've had on
the show. I've had a lot of people talking about
getting scholarships and the HBCUs and on the spot registration.
But we know there is a major problem with students
(01:48):
going to college walking away with these fantastic academic degrees
but heavily in debt.
Speaker 1 (01:54):
Explain to me why it is the system broke.
Speaker 5 (01:59):
You know.
Speaker 4 (01:59):
The thing is is that if you can't fix one
problem without solving another, and so student loan debt, that
the problem really begins at the foundation which is helping
people borrow money for college. And so unless Rashan we
make it free free ninety nine in the United States
of America, this is a trillion dollar problem that really
(02:21):
doesn't have a solution. So even if there was to
be massive loan forgiveness, What about next semester when there
are new borrowers that accumulate new debt. And so that's
why you see different things in different conversations about loan
forgiveness and just the system itself. No one has a
solution because then we would be deregulating another trillion dollar industry,
(02:43):
which is the colleges in higher education. So the problem
starts from the very very beginning about what we charge
for education, who can charge what they can charge, and
who disproportionately is affected by that debt.
Speaker 2 (02:56):
Well, you know, it always goes back to the person
who creates the debt. Yeah, okay, because you have options
and schools you can go to, you don't have to
go over here, or you don't have to go out
of state.
Speaker 1 (03:09):
Yeah okay, you can stay in state. We I don't know.
Speaker 2 (03:11):
If you travel out of state for an academic education,
it will be more expensive than being in state. So
the root of the problem is there is a system
that you're giving a loan to somebody who's not basically employable.
Speaker 1 (03:25):
They don't have a job. We don't know.
Speaker 2 (03:27):
Nobody will let you buy a home or car the
way student loans work.
Speaker 4 (03:33):
Correct, The only major loan in the United States of
America that does not acquire major underwriting. So you are correct, and.
Speaker 2 (03:42):
In that mind, you said it earlier, said Rashawn. If
they clear the debt, more debt is coming and schools
have to be paid money to stay open. Yeah, And
so you work with a lot of students, a lot
of adults. It was students when it was an immature
and made decision. Now they've grown people, families and working jobs.
(04:07):
They're trying to struggle to their dreams. What's the number
one fear and people who have student loans.
Speaker 4 (04:14):
The fear, I think is it really gets real for
them when they're trying to enter into the real world
and be productive citizens, Like when we think about things
like home buying. This is where a student loan that
shows up most when we think about things like, oh,
I want to have good credit or good credit becomes
all of a sudden important And I know just depends
on who's watching and listening. They may say, well, what
(04:34):
was always important to me growing up, But everybody wasn't
raised that way. And so you find out when you
find out that your student loan is the size, if
not more than a traditional mortgage and so when you
go to buy a home, they'll say, well, with Sean,
you already have a mortgage. We can't give you another one.
And so that's when it clicks for people. Oh, I
(04:56):
probably shouldn't have borrowed how I borrowed. I shouldn't have
went back for this master's degree in philosophy because I
don't know how to make that marketable in the marketplace.
But see a lot of these conversations, unfortunately come after
when people are in the middle of real life or rashan.
Let's say somebody's about to get married. Now we got
to talk to our future partner about what we owe
(05:17):
our debts. Oh, you owe two hundred thousand. Most women
carry the highestudent loan debt balance, particularly in the African
American community, more than men. So this man may have
zero to let's say, thirty thousand in debt and this
woman has two hundred thousand. Yes, she's a high earner
most likely, maybe she has a good feel, but most
(05:40):
times what she's earning is never going to be equivalent
to what she has borrowed, and then she'll always be
behind the eight ball.
Speaker 2 (05:47):
Wow, so let's talk about you. Okay, this is a
business model. Yeah, okay, because I'll be franked. When I
did my background surge to go, I got what she's doing.
Huh repayment forgive me business. Tell us how you saw
this lane of opportunity to start your company.
Speaker 4 (06:06):
I'll tell you. The business started with me being in
church first for Sean and I was going through my
own financial counselor, if you will. I think I was
about twenty six, twenty seven, and it hit me just
the things that we just said. I'm like, oh my god,
this credit is important. I want to buy a house,
and just life was hitting me right as a young adult.
And I had a good professional career working in the
city at Philadelphia and higher education. And then what happened.
(06:29):
What I realized is people around me had questions. But
you know when you call your lender and you ask
for help, like you just want to ask questions. You
just want to talk about what's going on and what
options you have. They were not knowledgeable. They were very
short with me. And what's funny is this has always
been in my toolbox as a professional. I've helped adult
(06:53):
learners on the enrollment side, and then also as an
advisor of financial aid. I was studying this in my
doctoral degree house to loan that affects African American women.
So I was already in the trenches and didn't realize it.
And then I say, you know what, I was like,
I know a lot of these answers. Let me just
look at the stuff I don't know and figure it out.
So then we had this wonderful website called studenta dot gov.
(07:15):
So I started like consuming it, being a master of it.
And then I would call and just fact check what
I knew. I said, you know what, I think I
could start a consulting business. So what I did when
I was working my nine to five is from six
to ten, I would meet with people in the city Philadelphia.
You could meet me at a cozy with Sean. I
had office hours at a corner bakery and people. I
(07:39):
had to flirt with the manager to save my little
spot in the corner with the with the outlet for
my laptop. It was some you know, I still owe
some people some dates. But anyway, the manager loved what
I was doing and people were showing up and I
was charging at the time, like fifty dollars for the hour.
I didn't know how to price this thing. Out at first,
(08:00):
and nobody missed an appointment. I could tell you to
this day, and even to this day, people don't miss
their appointments with us. We have a very very low
rate of people missing appointments because it's very serious to them.
And I would take appointments from six to ten at
the corner bakery and as long as I ordered me
a little muffin, I could just sit there with my
water by muffin. Oh my, the WiFi is built there office.
(08:26):
And I would say after doing that for about four months,
I was able to get an office the size of
a little bathroom. But that's all right. It was professional
and I felt more established and I was taking clients
again six to ten. So I did that work for
about a year. And what was happening in and that
four hours and then you put the weekends into it.
I was making more with that than my full time job.
(08:49):
So I said, all right, well here's how is how
would go? Let's hit fast forward. We went viral. So
I put out in twenty eighteen that I'm the first
African American woman owned student loan repayment company. And to
cut it was Black History Month of twenty eighteen. I
put it out there, and at that time I weighed
one hundred pounds more. But my confidence has always been
what it is now. And I'm like, you know, and
(09:10):
I put it out there. Oh well, next thing you know,
it went viral. So all the blocks picked it up,
all the websites picked it up, then the morning shows
picked it up, then National TV picked it up, and
I'm like, whoa wait a minute, And then i had
one thousand DMS, eight hundred emails, and it really told
me you are in the middle of a big problem.
(09:32):
And when you are an entrepreneur becoming an entrepreneur, you
want to put yourself in the middle of a big problem.
And as you said, you never had this person here
before because there wasn't me, There was no meat before.
People were shying away from this conversation. You had the
people that talked about scholarships, you had the people that
talked about financial aid. But who was helping the adult
(09:55):
that already had And so I've been very clear since
they won. In my lane, I only want to talk
about having student loans. I can't help out the corrective.
That's not my lane. I will refer you and I
just lived in the middle of that, and then I
just priced out my thirty minute time, and then I
taught others duplicated me. Investing in mentors, investing in systems,
(10:17):
and business has been fruitful really since well it started
in twenty sixteen, but eighteen because of the Shade Room
and other big entities that blew it up. You know,
we've been up from there. So it's been a really
fun journey. But in the middle of it, we're helping
a lot of people.
Speaker 2 (10:32):
Well, first of all, you know, I'm talking to doctor
Sonya Lewis, and the award winning business that she's talking
about is the student loan Doctor. She's considered the people's
expert for all matters related to student loan debt repayment.
She said she has over fourteen years of practical higher
education and financial aid experience. Now, I love your story.
(10:53):
It talks about, you know, figuring out a way to
be successful. We said, look, I don't have an office space,
but I'm gonna take because you know, your business is
gonna a lot of it's gonna be female. Put them
in an environment. Hey, I'm at just to quote Starbucks
right there. Oh, okay, I meet you over there or I'm
at Panera bread. Okay, I meet you over there. So
(11:15):
you immediately put people in the comfort zone to say
where you're gonna be, and also in an environment they
feel comfortable because you know you're in an environment that
they're familiar with, or they can grab a snack and
know they can sit there and be comfortable. Then guess what,
they can feel free and comfortable about talking about their problems.
Speaker 1 (11:35):
Right, But the problem we have here is that debt
that they have created that they can't pay back.
Speaker 2 (11:42):
Now, your business model, Now, how did you come up
with your name?
Speaker 1 (11:48):
So business?
Speaker 4 (11:50):
Because I was in school for my doctoral degree with
helping people with student loans. I was like, hm, that's
the idea. And then I met a young lady out
of DC. She called herself the big Business Doctor, and
she was like one of the first classes I ever
took on just understanding entrepreneurship. So I did something that
people don't do these days, which y'all not asked her,
would you mind if I called myself the business of
(12:12):
the student loan doctor, because you're the business doctor, and
I think it just clicks and makes sense if somebody
needs you, she said, Nobody has ever asked me that
I really appreciate you asking. She said, I think that'd
be a wonderful name, and then that was the name.
And so not to be funny. If you know your
student loans need some help, you're going to want to
go to a doctor. So I just needed for people.
(12:33):
I didn't want you to do flord about it.
Speaker 1 (12:36):
Absolutely.
Speaker 2 (12:37):
So, so what is your academic training you talked about
fourteen years of Yeah.
Speaker 4 (12:41):
I have a well, let's back up. So I've been
working at Higher read since I graduated college. I have
an EDS in higher education and then recently an honorary
doctoral degree was received. But my life's work was really
just committed to understanding how student loan debt affects minorities
and African American women. It just tickles me pink to
(13:02):
study it because when we look at the number statistically
African American women have the most degrees in our country,
and also coincides with that number is the most student
loan debt. But now that's not showing up when we
talk about what the earnings are. That's not shown up
when we talk about home ownership or entrepreneurship. It could
(13:24):
be greater, but there's a thing called a student loan
that might be financially holder than back. So as an
African American woman, I'm wildly invested in that topic. And
so what was happening when the business got started was
that I was attracting who other African American women. Now
we serve all type of clientele now, but in the
beginning I was comfortable and just was talking to people
that look like me, and there was a whole lot
(13:45):
of them, And nobody ever made people feel judged. I
don't make you feel and I'm very big on that.
If you owe nine hundred thousand dollars, I'm not going
to start off the call and say what happened? What's
going on here? You know, we're going to get right
into We're gonna get right into this.
Speaker 1 (14:01):
Make it feel stupid up front.
Speaker 4 (14:03):
Already carrying a lot of shame.
Speaker 5 (14:05):
You know.
Speaker 4 (14:06):
The thing is, this thing shows up in its quiet time.
It's the thing that plays in the back of your
mind when no one else is around. It's the thing
that comes up when you're talking about conversations of credit
when you're with your peers, or home ownership when you're
with your peers, the thing that could be delaying starting
the family because I don't know how I'm going to
start a family with this type of student loan payment.
It's the thing that shows up that nobody talks about.
(14:26):
And when we see each other, we can't see each
other's credit score, bank accounts and debt ode. But it
is the thing that I found that people wanted to
talk about in a healthy environment. I think that's why
the business has organically grown and been so successful.
Speaker 5 (14:41):
Please don't go anywhere. We'll be right back with more
Money Making Conversations Masterclass. Welcome back to the Money Making
Conversations Masterclass, hosted by Rashaan McDonald.
Speaker 2 (14:58):
Okay, cool, now I'm talking this dot to Sonya Lewis,
the Student Loan Doctor LLC. Your business. It's tied, like
you said, the people embarrassment. Oh, I don't want to
tell nobody, but you can't move forward because these loans.
I know men and women who have this problem and
(15:19):
in their thirties going into their forties, So there's not
a young Perpson problem.
Speaker 1 (15:23):
It can extend that loan and these people who.
Speaker 2 (15:26):
Have graduated twenty years ago still have loaned deb Now
how did you How does one go about contacting you?
And how does that conversation happen. You kind of talked
about a little bit, but let's hit let my audience
hear the process.
Speaker 4 (15:42):
So if somebody was to connect with us, they'll probably
find us through social media, a blog, a podcast, a
live event. And we used to having our model where
they could have a free discovery call. Well, the thing
is our business is in such demand the last few
years that we eliminated the discovery call, and somebody will
go straight to a consultation. But we're very clear about
(16:04):
what that is. That's a thirty minute phone call expressing
your concerns and then looking at your student loans with
you and giving you some solutions. From there, you can
say I got it, I can do this myself, or
can you help me? And then we talk about what
help can look like. And we still keep everything very
very priced affordably. Our counterparts are people that have come
up in the industry thereafter they priced us out times three.
(16:28):
But I never wanted to leave from someone that was
a teacher, and let's said that make sixty K a
year of being able to afford us. I'm very very
big on that because what I believe is quantity will
always provide, so I don't have a shortage of clients,
and the way that we teach and put out information,
we don't have a shortage of reach. So just an
example recently, this past Sunday, we had a class registration
(16:50):
of fourteen hundred people and about seven hundred people showed
up and then from that seven, Yeah, go ahead, what.
Speaker 1 (17:00):
A class. See.
Speaker 2 (17:01):
I love people who do business and they just be
so successful at it, they.
Speaker 1 (17:06):
Just throw out numbers.
Speaker 2 (17:07):
We're the class registration of fourteen hundred people and seven
hundred people showed up. I'm sure this was virtual, correct,
it was virtual? The fact you have fourteen hundred people
registered for a course.
Speaker 1 (17:19):
Now all these people had to pay up front or
how did that work?
Speaker 4 (17:23):
No, it was free and them to show up is free.
Now they want to get the replay, then they're probably
inside of our community. So we have a community that
we charged to ninety seven for the year to get
access to all of the classes we've ever had. And
we teach a lot of classes and bring a lot
of guest teachers. So that's like our university model. That's
to the side, but it's nothing for you to join
(17:45):
into class and I teach a lot. So my background
as an educator used to be a professor. I love teaching.
My mama was a teacher, my grandmother was a teacher,
on my aunts on my dad's side. As a teacher,
it's just I'm a teacher, so you know, I enjoy it.
So when I was teaching on Sunday class one, probably
for about ninety minutes, and nobody left. The class stayed
(18:08):
full and to the very end. From there, they can
decide if they want to book a call with us,
and that's their prerogative at that point. But it didn't
cost them anything to show up.
Speaker 2 (18:18):
Wow, I just love this. Now you've been fortunate because
we used the word award winning. Yeah, you're based in
the city of Philadelphia.
Speaker 1 (18:26):
Talk about the awards that you're business.
Speaker 4 (18:28):
Yeah I received. Let me see, I have about two
of them citations from the City of Philadelphia. So you
gotta a member with Sean. When I first kicked it off,
I was, let me tell something, I didn't even know
that it was legal for you to order a lab coat.
I had a little lab coat my name, that'showing it.
And I was shown up as a student loan doctor. Okay,
I call it being a professional. Outside I was doing
(18:48):
live events on my own dime, or I was doing
things for the City of Philadelphia or the Chamber of
Commerce or the Urban League, whatever professional entity needed me.
I was shown up in teaching for free, and hundreds
of people would show up and with the notebook with
they logging in on their phones, and it was just
like the coaching session that we never had. And so
(19:10):
we were doing some really remarkable things at that time
in the city. And that's how we got a lot
of our notoriety and our citations, because if there was
anybody working and I didn't ask for any money or help,
it was us. This is wild at this time. I
think at this time I had just left my job
and I was doing this work full time. So it's
like it's like I would hope that I could convert
(19:32):
people from this free conversation because I didn't have the
model down just yet. But obviously after that teaching they
would convert over cool And.
Speaker 2 (19:39):
So after that you sat in place a business model. Yes,
and so because I would like to talk about entrepreneurs
about that, because the biggest mistaking the world you're not
going to move forward to you have a business model,
You're not going to move forward to. You can strut
forecasting income and generating revenue consistently. Then you can hire
people and pay for your life bills and keep your
rent paid.
Speaker 1 (20:00):
When did you realize that?
Speaker 2 (20:02):
Okay, you know, I know you quit your job, Sonya Lewis,
When did you realize you know something?
Speaker 1 (20:08):
I got something here.
Speaker 4 (20:10):
I knew I had something before I quit my job,
because I had dated that shows it was sustainable for
me and it was consistent money. And I remember I called,
well now, I called my mom's staff. I text my mom.
I said, mom's a long paragraph. I said, this is
what I want to do. If it sells, will I
be homeless? Yes? Or no? All I needed was a yesterday.
That's really a real text. She said, no, you won't
(20:31):
be homeless because again I was living by myself and
I was supporting myself, and I never I never failed.
I never had a bad year. I always was really successful.
And the success grew after things like the Shade Room,
after the media really made us like a national highlight.
Speaker 1 (20:47):
If you will, that's awesome.
Speaker 2 (20:49):
I'm talking to doctor. I can't say it enough, you know,
doctor Sonya Lewis. She is the creator of the award
winning business called the Student Long doctor, because, like I said,
I can I feel sorry for people who create that,
but I can't feel sorry for them when they can't
when they're doing it to better them their lives, And
I almost feel like it's a it's almost a bad situation.
(21:13):
When I was in college, they give you a credit
card because you was in college, and you go out
there and use the credit card even though you're not working,
generating debt. So there are a lot of things that
happen in college to eighteen nineteen twenty year old people
that should receive better counseling or at least be restricted.
What advice would you give to universities, because you're a
(21:37):
person that are meeting these young people who are now adults,
who now have children, who are now trying to buy home,
who are now trying to start relationships, who in their forties,
in their fifties and trying to move on with different careers,
but are strapped with these with these debts.
Speaker 4 (21:53):
You know, the conversation is an interesting one because when
I think about somebody like myself that went to college,
I dig it a full at academic scholarship my second
semester into my freshman year, and I had some money
coming into college through scholarships from high school. But what
I did have with Sean was a monetary familiar support
because my mom had just got sick the year prior.
(22:14):
The plan was for her to help me cash pay school.
She was a teacher making about sixty five k year,
but she got really sick and had to early retire.
We couldn't expect for that, right, so we had to pivot.
And pivot was you got to get some scholarship money.
But then when I went to school, you see v Sean,
there were still other expenses. I couldn't account for transportation,
the social aspect of college. And I don't care what
(22:36):
anybody says, like you, if you especially be going to
a school in a different environment, they got to get
closed you didn't have to have when you were coming
from home. And so what happens is if you don't
understand money going into school and somebody hands you I
wanted to you just put your hand out right now,
with Sean. If I handed you four thousand dollars and
you don't know what to do with this, you don't
(22:57):
know how to invest it, you don't know how to
be wise giving people that type of money for the
first time ever in their life. Do you think they're
going to make the best decisions. So now we're talking
about we're coming from an angle of these conversations weren't
had at home because let's just keep it real, Mom
and dad didn't even manage money well. So now if
(23:18):
I'm talking to someone that maybe had that different financial
growing up training and background training, then they would be
wise when they get to college and send the refund
check back. So it's hard to say what should a
college do, but I want to put more emphasis on
what do parents need to be understanding and doing. The
college is a business. Yes, they have tools in place
(23:39):
and conversations and classes in place, but at the end
of the day, that's not their business to manage the
business of that person's finance. And also, we don't want
to even privatize it and really put too many restrictions
with sean because people do need that money sometimes to live.
Because yes, the cost of attendance, let's talk about it.
Community college could be really cute and thought, here's the problem.
(24:01):
Depending on your household. When you get eighteen or go
to college age, people expect you to leave. Where are
you living in the community college I know this story
so many times over right, this happened to my friends.
I remember, or when we go to state college. Now
we got to talk about when we get to that
state college, what majors are most profitable. Maybe you don't
(24:23):
get a chance to study butterflies, because now when nobody's
talking to our students about profitable majors and what that
looks like. But now let's get to the core. The
education system they came from didn't prepare them for biology,
for nursing, or because they just probably passed through high school.
So then you find out your high school diploma is
(24:45):
an equivalent to your counterparts high school diploma. You're struggling
with classes.
Speaker 2 (24:50):
Wow, I'll tell you something. I'm so glad I got
an opportunity to interview you, doctor Sonya Lewis. As we
close out this interview, what would you say is your
secret to success?
Speaker 4 (25:00):
Well? God, first, I'm telling you, God be showing up
in places that I haven't made it to yet. So
sometimes you know, my name is in a room that
I haven't made it to because He put it there first.
So that's number one. You gotta have good faith, especially
with entrepreneurship, because baby, this is a roller coaster. You
could be what you know so and then you know
you have to have good discernment about people too. You
(25:23):
cannot be an entrepreneur, a good business owner, a good
leader if you don't have discernment about people. That's another
thing that has always kept me well in business. I'm like,
you're a little sketchy for me. Now I can't be
dealing with you. And then the third thing is I
really practice my craft. I believe in mentorship, I believe
in investing in myself. I believe in making relationships that
(25:43):
will take me further. I know I'm not a silo
because entrepreneurship can make you feel lonely. But you got
to get out your house, okay. You got to make
sure that you connect with other like minded people. So
I've been putting those principles first and I've been really,
really successful.
Speaker 2 (25:58):
Well you've been fantastic, and thank you for at the
time talking to doctor Sonya Lewis Award winning business. It's
called the Student Loan Doctor. She's based out of Philadelphia,
but worldwide. You can reach her virtually because she is
handling virtual calls. And also then Montum she's three times
less than her competitors and guess what the competitors are
(26:18):
copying what she started, So always remember go to the
best who started it, and also have your welfare involved
because of the fact that she's keeping her rates at
a reasonable affordable rate based on the fact that she's
trying to help you continue your life again, Doctor Sonya Lewis,
thank you for coming on Money Making Conversation Masterclass.
Speaker 4 (26:38):
Thank you so much for having me.
Speaker 1 (26:40):
Oh it's awesome. I appreciate it.
Speaker 2 (26:41):
This has been another edition of Money Making Conversation Masterclass
posted by me Rashaun McDonald. Thank you to our guess
on the show today and thank you listening to audience now.
If you want to listen to any episode I want
to be a guest on the show, visit Moneymakingconversations dot com.
Our social media handle is money Making Conversation. Join us
next week and remember to always leave with your gifts.
Speaker 1 (27:04):
Keep winning.
Speaker 4 (27:05):
M
Welcome to the show.
Speaker 2 (00:06):
I am Rashwan McDonald, the host of Money Making Conversations Masterclass,
where we encourage.
Speaker 3 (00:11):
People to stop reading other people's success stories.
Speaker 1 (00:14):
And start planning their own.
Speaker 3 (00:16):
Listen up as I interview entrepreneurs from around the country,
talk to celebrities and ask them how they are running
their companies, and speak with nonprofits who are making a
difference in their local communities. Now sit back and listen
as we unlock the secrets to their success on Money
Making Conversations Masterclass.
Speaker 2 (00:35):
Hi, I'm Rashan McDonald. I host the weekly Money Making
Conversation Masterclass show. The interviews and information that this show.
Speaker 1 (00:43):
Provides off for everyone.
Speaker 2 (00:44):
It's time to stop reading other people's success stories and
start living your own. I'm here to help you reach
your American dream. Just keep listening, just keep watching. If
you want to be a guest on my show, please
visit Moneymakingconversations dot com and click the bo guests. But
let's get started with our show. Today's guest is the
CEO of an award winning business, The Student Loan Doctor, LLC.
(01:08):
She is considered the people's expert for all matters related
to student loan debt repayment. She has over fourteen years
of practical higher education and financial aid experience. Please welcome
to Money Making Conversations Mathters Class, Doctor Sonya Lewis, how
you doing, doctor good?
Speaker 4 (01:24):
Thank you so much for having me today.
Speaker 1 (01:26):
Well, first of.
Speaker 2 (01:27):
All, thank you for taking the time to come on
my show. Because you I've been doing this since twenty seventeen.
You're the first student loan repayment expert I've had on
the show. I've had a lot of people talking about
getting scholarships and the HBCUs and on the spot registration.
But we know there is a major problem with students
(01:48):
going to college walking away with these fantastic academic degrees
but heavily in debt.
Speaker 1 (01:54):
Explain to me why it is the system broke.
Speaker 5 (01:59):
You know.
Speaker 4 (01:59):
The thing is is that if you can't fix one
problem without solving another, and so student loan debt, that
the problem really begins at the foundation which is helping
people borrow money for college. And so unless Rashan we
make it free free ninety nine in the United States
of America, this is a trillion dollar problem that really
(02:21):
doesn't have a solution. So even if there was to
be massive loan forgiveness, What about next semester when there
are new borrowers that accumulate new debt. And so that's
why you see different things in different conversations about loan
forgiveness and just the system itself. No one has a
solution because then we would be deregulating another trillion dollar industry,
(02:43):
which is the colleges in higher education. So the problem
starts from the very very beginning about what we charge
for education, who can charge what they can charge, and
who disproportionately is affected by that debt.
Speaker 2 (02:56):
Well, you know, it always goes back to the person
who creates the debt. Yeah, okay, because you have options
and schools you can go to, you don't have to
go over here, or you don't have to go out
of state.
Speaker 1 (03:09):
Yeah okay, you can stay in state. We I don't know.
Speaker 2 (03:11):
If you travel out of state for an academic education,
it will be more expensive than being in state. So
the root of the problem is there is a system
that you're giving a loan to somebody who's not basically employable.
Speaker 1 (03:25):
They don't have a job. We don't know.
Speaker 2 (03:27):
Nobody will let you buy a home or car the
way student loans work.
Speaker 4 (03:33):
Correct, The only major loan in the United States of
America that does not acquire major underwriting. So you are correct, and.
Speaker 2 (03:42):
In that mind, you said it earlier, said Rashawn. If
they clear the debt, more debt is coming and schools
have to be paid money to stay open. Yeah, And
so you work with a lot of students, a lot
of adults. It was students when it was an immature
and made decision. Now they've grown people, families and working jobs.
(04:07):
They're trying to struggle to their dreams. What's the number
one fear and people who have student loans.
Speaker 4 (04:14):
The fear, I think is it really gets real for
them when they're trying to enter into the real world
and be productive citizens, Like when we think about things
like home buying. This is where a student loan that
shows up most when we think about things like, oh,
I want to have good credit or good credit becomes
all of a sudden important And I know just depends
on who's watching and listening. They may say, well, what
(04:34):
was always important to me growing up, But everybody wasn't
raised that way. And so you find out when you
find out that your student loan is the size, if
not more than a traditional mortgage and so when you
go to buy a home, they'll say, well, with Sean,
you already have a mortgage. We can't give you another one.
And so that's when it clicks for people. Oh, I
(04:56):
probably shouldn't have borrowed how I borrowed. I shouldn't have
went back for this master's degree in philosophy because I
don't know how to make that marketable in the marketplace.
But see a lot of these conversations, unfortunately come after
when people are in the middle of real life or rashan.
Let's say somebody's about to get married. Now we got
to talk to our future partner about what we owe
(05:17):
our debts. Oh, you owe two hundred thousand. Most women
carry the highestudent loan debt balance, particularly in the African
American community, more than men. So this man may have
zero to let's say, thirty thousand in debt and this
woman has two hundred thousand. Yes, she's a high earner
most likely, maybe she has a good feel, but most
(05:40):
times what she's earning is never going to be equivalent
to what she has borrowed, and then she'll always be
behind the eight ball.
Speaker 2 (05:47):
Wow, so let's talk about you. Okay, this is a
business model. Yeah, okay, because I'll be franked. When I
did my background surge to go, I got what she's doing.
Huh repayment forgive me business. Tell us how you saw
this lane of opportunity to start your company.
Speaker 4 (06:06):
I'll tell you. The business started with me being in
church first for Sean and I was going through my
own financial counselor, if you will. I think I was
about twenty six, twenty seven, and it hit me just
the things that we just said. I'm like, oh my god,
this credit is important. I want to buy a house,
and just life was hitting me right as a young adult.
And I had a good professional career working in the
city at Philadelphia and higher education. And then what happened.
(06:29):
What I realized is people around me had questions. But
you know when you call your lender and you ask
for help, like you just want to ask questions. You
just want to talk about what's going on and what
options you have. They were not knowledgeable. They were very
short with me. And what's funny is this has always
been in my toolbox as a professional. I've helped adult
(06:53):
learners on the enrollment side, and then also as an
advisor of financial aid. I was studying this in my
doctoral degree house to loan that affects African American women.
So I was already in the trenches and didn't realize it.
And then I say, you know what, I was like,
I know a lot of these answers. Let me just
look at the stuff I don't know and figure it out.
So then we had this wonderful website called studenta dot gov.
(07:15):
So I started like consuming it, being a master of it.
And then I would call and just fact check what
I knew. I said, you know what, I think I
could start a consulting business. So what I did when
I was working my nine to five is from six
to ten, I would meet with people in the city Philadelphia.
You could meet me at a cozy with Sean. I
had office hours at a corner bakery and people. I
(07:39):
had to flirt with the manager to save my little
spot in the corner with the with the outlet for
my laptop. It was some you know, I still owe
some people some dates. But anyway, the manager loved what
I was doing and people were showing up and I
was charging at the time, like fifty dollars for the hour.
I didn't know how to price this thing. Out at first,
(08:00):
and nobody missed an appointment. I could tell you to
this day, and even to this day, people don't miss
their appointments with us. We have a very very low
rate of people missing appointments because it's very serious to them.
And I would take appointments from six to ten at
the corner bakery and as long as I ordered me
a little muffin, I could just sit there with my
water by muffin. Oh my, the WiFi is built there office.
(08:26):
And I would say after doing that for about four months,
I was able to get an office the size of
a little bathroom. But that's all right. It was professional
and I felt more established and I was taking clients
again six to ten. So I did that work for
about a year. And what was happening in and that
four hours and then you put the weekends into it.
I was making more with that than my full time job.
(08:49):
So I said, all right, well here's how is how
would go? Let's hit fast forward. We went viral. So
I put out in twenty eighteen that I'm the first
African American woman owned student loan repayment company. And to
cut it was Black History Month of twenty eighteen. I
put it out there, and at that time I weighed
one hundred pounds more. But my confidence has always been
what it is now. And I'm like, you know, and
(09:10):
I put it out there. Oh well, next thing you know,
it went viral. So all the blocks picked it up,
all the websites picked it up, then the morning shows
picked it up, then National TV picked it up, and
I'm like, whoa wait a minute, And then i had
one thousand DMS, eight hundred emails, and it really told
me you are in the middle of a big problem.
(09:32):
And when you are an entrepreneur becoming an entrepreneur, you
want to put yourself in the middle of a big problem.
And as you said, you never had this person here
before because there wasn't me, There was no meat before.
People were shying away from this conversation. You had the
people that talked about scholarships, you had the people that
talked about financial aid. But who was helping the adult
(09:55):
that already had And so I've been very clear since
they won. In my lane, I only want to talk
about having student loans. I can't help out the corrective.
That's not my lane. I will refer you and I
just lived in the middle of that, and then I
just priced out my thirty minute time, and then I
taught others duplicated me. Investing in mentors, investing in systems,
(10:17):
and business has been fruitful really since well it started
in twenty sixteen, but eighteen because of the Shade Room
and other big entities that blew it up. You know,
we've been up from there. So it's been a really
fun journey. But in the middle of it, we're helping
a lot of people.
Speaker 2 (10:32):
Well, first of all, you know, I'm talking to doctor
Sonya Lewis, and the award winning business that she's talking
about is the student loan Doctor. She's considered the people's
expert for all matters related to student loan debt repayment.
She said she has over fourteen years of practical higher
education and financial aid experience. Now, I love your story.
(10:53):
It talks about, you know, figuring out a way to
be successful. We said, look, I don't have an office space,
but I'm gonna take because you know, your business is
gonna a lot of it's gonna be female. Put them
in an environment. Hey, I'm at just to quote Starbucks
right there. Oh, okay, I meet you over there or I'm
at Panera bread. Okay, I meet you over there. So
(11:15):
you immediately put people in the comfort zone to say
where you're gonna be, and also in an environment they
feel comfortable because you know you're in an environment that
they're familiar with, or they can grab a snack and
know they can sit there and be comfortable. Then guess what,
they can feel free and comfortable about talking about their problems.
Speaker 1 (11:35):
Right, But the problem we have here is that debt
that they have created that they can't pay back.
Speaker 2 (11:42):
Now, your business model, Now, how did you come up
with your name?
Speaker 1 (11:48):
So business?
Speaker 4 (11:50):
Because I was in school for my doctoral degree with
helping people with student loans. I was like, hm, that's
the idea. And then I met a young lady out
of DC. She called herself the big Business Doctor, and
she was like one of the first classes I ever
took on just understanding entrepreneurship. So I did something that
people don't do these days, which y'all not asked her,
would you mind if I called myself the business of
(12:12):
the student loan doctor, because you're the business doctor, and
I think it just clicks and makes sense if somebody
needs you, she said, Nobody has ever asked me that
I really appreciate you asking. She said, I think that'd
be a wonderful name, and then that was the name.
And so not to be funny. If you know your
student loans need some help, you're going to want to
go to a doctor. So I just needed for people.
(12:33):
I didn't want you to do flord about it.
Speaker 1 (12:36):
Absolutely.
Speaker 2 (12:37):
So, so what is your academic training you talked about
fourteen years of Yeah.
Speaker 4 (12:41):
I have a well, let's back up. So I've been
working at Higher read since I graduated college. I have
an EDS in higher education and then recently an honorary
doctoral degree was received. But my life's work was really
just committed to understanding how student loan debt affects minorities
and African American women. It just tickles me pink to
(13:02):
study it because when we look at the number statistically
African American women have the most degrees in our country,
and also coincides with that number is the most student
loan debt. But now that's not showing up when we
talk about what the earnings are. That's not shown up
when we talk about home ownership or entrepreneurship. It could
(13:24):
be greater, but there's a thing called a student loan
that might be financially holder than back. So as an
African American woman, I'm wildly invested in that topic. And
so what was happening when the business got started was
that I was attracting who other African American women. Now
we serve all type of clientele now, but in the
beginning I was comfortable and just was talking to people
that look like me, and there was a whole lot
(13:45):
of them, And nobody ever made people feel judged. I
don't make you feel and I'm very big on that.
If you owe nine hundred thousand dollars, I'm not going
to start off the call and say what happened? What's
going on here? You know, we're going to get right
into We're gonna get right into this.
Speaker 1 (14:01):
Make it feel stupid up front.
Speaker 4 (14:03):
Already carrying a lot of shame.
Speaker 5 (14:05):
You know.
Speaker 4 (14:06):
The thing is, this thing shows up in its quiet time.
It's the thing that plays in the back of your
mind when no one else is around. It's the thing
that comes up when you're talking about conversations of credit
when you're with your peers, or home ownership when you're
with your peers, the thing that could be delaying starting
the family because I don't know how I'm going to
start a family with this type of student loan payment.
It's the thing that shows up that nobody talks about.
(14:26):
And when we see each other, we can't see each
other's credit score, bank accounts and debt ode. But it
is the thing that I found that people wanted to
talk about in a healthy environment. I think that's why
the business has organically grown and been so successful.
Speaker 5 (14:41):
Please don't go anywhere. We'll be right back with more
Money Making Conversations Masterclass. Welcome back to the Money Making
Conversations Masterclass, hosted by Rashaan McDonald.
Speaker 2 (14:58):
Okay, cool, now I'm talking this dot to Sonya Lewis,
the Student Loan Doctor LLC. Your business. It's tied, like
you said, the people embarrassment. Oh, I don't want to
tell nobody, but you can't move forward because these loans.
I know men and women who have this problem and
(15:19):
in their thirties going into their forties, So there's not
a young Perpson problem.
Speaker 1 (15:23):
It can extend that loan and these people who.
Speaker 2 (15:26):
Have graduated twenty years ago still have loaned deb Now
how did you How does one go about contacting you?
And how does that conversation happen. You kind of talked
about a little bit, but let's hit let my audience
hear the process.
Speaker 4 (15:42):
So if somebody was to connect with us, they'll probably
find us through social media, a blog, a podcast, a
live event. And we used to having our model where
they could have a free discovery call. Well, the thing
is our business is in such demand the last few
years that we eliminated the discovery call, and somebody will
go straight to a consultation. But we're very clear about
(16:04):
what that is. That's a thirty minute phone call expressing
your concerns and then looking at your student loans with
you and giving you some solutions. From there, you can
say I got it, I can do this myself, or
can you help me? And then we talk about what
help can look like. And we still keep everything very
very priced affordably. Our counterparts are people that have come
up in the industry thereafter they priced us out times three.
(16:28):
But I never wanted to leave from someone that was
a teacher, and let's said that make sixty K a
year of being able to afford us. I'm very very
big on that because what I believe is quantity will
always provide, so I don't have a shortage of clients,
and the way that we teach and put out information,
we don't have a shortage of reach. So just an
example recently, this past Sunday, we had a class registration
(16:50):
of fourteen hundred people and about seven hundred people showed
up and then from that seven, Yeah, go ahead, what.
Speaker 1 (17:00):
A class. See.
Speaker 2 (17:01):
I love people who do business and they just be
so successful at it, they.
Speaker 1 (17:06):
Just throw out numbers.
Speaker 2 (17:07):
We're the class registration of fourteen hundred people and seven
hundred people showed up. I'm sure this was virtual, correct,
it was virtual? The fact you have fourteen hundred people
registered for a course.
Speaker 1 (17:19):
Now all these people had to pay up front or
how did that work?
Speaker 4 (17:23):
No, it was free and them to show up is free.
Now they want to get the replay, then they're probably
inside of our community. So we have a community that
we charged to ninety seven for the year to get
access to all of the classes we've ever had. And
we teach a lot of classes and bring a lot
of guest teachers. So that's like our university model. That's
to the side, but it's nothing for you to join
(17:45):
into class and I teach a lot. So my background
as an educator used to be a professor. I love teaching.
My mama was a teacher, my grandmother was a teacher,
on my aunts on my dad's side. As a teacher,
it's just I'm a teacher, so you know, I enjoy it.
So when I was teaching on Sunday class one, probably
for about ninety minutes, and nobody left. The class stayed
(18:08):
full and to the very end. From there, they can
decide if they want to book a call with us,
and that's their prerogative at that point. But it didn't
cost them anything to show up.
Speaker 2 (18:18):
Wow, I just love this. Now you've been fortunate because
we used the word award winning. Yeah, you're based in
the city of Philadelphia.
Speaker 1 (18:26):
Talk about the awards that you're business.
Speaker 4 (18:28):
Yeah I received. Let me see, I have about two
of them citations from the City of Philadelphia. So you
gotta a member with Sean. When I first kicked it off,
I was, let me tell something, I didn't even know
that it was legal for you to order a lab coat.
I had a little lab coat my name, that'showing it.
And I was shown up as a student loan doctor. Okay,
I call it being a professional. Outside I was doing
(18:48):
live events on my own dime, or I was doing
things for the City of Philadelphia or the Chamber of
Commerce or the Urban League, whatever professional entity needed me.
I was shown up in teaching for free, and hundreds
of people would show up and with the notebook with
they logging in on their phones, and it was just
like the coaching session that we never had. And so
(19:10):
we were doing some really remarkable things at that time
in the city. And that's how we got a lot
of our notoriety and our citations, because if there was
anybody working and I didn't ask for any money or help,
it was us. This is wild at this time. I
think at this time I had just left my job
and I was doing this work full time. So it's
like it's like I would hope that I could convert
(19:32):
people from this free conversation because I didn't have the
model down just yet. But obviously after that teaching they
would convert over cool And.
Speaker 2 (19:39):
So after that you sat in place a business model. Yes,
and so because I would like to talk about entrepreneurs
about that, because the biggest mistaking the world you're not
going to move forward to you have a business model,
You're not going to move forward to. You can strut
forecasting income and generating revenue consistently. Then you can hire
people and pay for your life bills and keep your
rent paid.
Speaker 1 (20:00):
When did you realize that?
Speaker 2 (20:02):
Okay, you know, I know you quit your job, Sonya Lewis,
When did you realize you know something?
Speaker 1 (20:08):
I got something here.
Speaker 4 (20:10):
I knew I had something before I quit my job,
because I had dated that shows it was sustainable for
me and it was consistent money. And I remember I called,
well now, I called my mom's staff. I text my mom.
I said, mom's a long paragraph. I said, this is
what I want to do. If it sells, will I
be homeless? Yes? Or no? All I needed was a yesterday.
That's really a real text. She said, no, you won't
(20:31):
be homeless because again I was living by myself and
I was supporting myself, and I never I never failed.
I never had a bad year. I always was really successful.
And the success grew after things like the Shade Room,
after the media really made us like a national highlight.
Speaker 1 (20:47):
If you will, that's awesome.
Speaker 2 (20:49):
I'm talking to doctor. I can't say it enough, you know,
doctor Sonya Lewis. She is the creator of the award
winning business called the Student Long doctor, because, like I said,
I can I feel sorry for people who create that,
but I can't feel sorry for them when they can't
when they're doing it to better them their lives, And
I almost feel like it's a it's almost a bad situation.
(21:13):
When I was in college, they give you a credit
card because you was in college, and you go out
there and use the credit card even though you're not working,
generating debt. So there are a lot of things that
happen in college to eighteen nineteen twenty year old people
that should receive better counseling or at least be restricted.
What advice would you give to universities, because you're a
(21:37):
person that are meeting these young people who are now adults,
who now have children, who are now trying to buy home,
who are now trying to start relationships, who in their forties,
in their fifties and trying to move on with different careers,
but are strapped with these with these debts.
Speaker 4 (21:53):
You know, the conversation is an interesting one because when
I think about somebody like myself that went to college,
I dig it a full at academic scholarship my second
semester into my freshman year, and I had some money
coming into college through scholarships from high school. But what
I did have with Sean was a monetary familiar support
because my mom had just got sick the year prior.
(22:14):
The plan was for her to help me cash pay school.
She was a teacher making about sixty five k year,
but she got really sick and had to early retire.
We couldn't expect for that, right, so we had to pivot.
And pivot was you got to get some scholarship money.
But then when I went to school, you see v Sean,
there were still other expenses. I couldn't account for transportation,
the social aspect of college. And I don't care what
(22:36):
anybody says, like you, if you especially be going to
a school in a different environment, they got to get
closed you didn't have to have when you were coming
from home. And so what happens is if you don't
understand money going into school and somebody hands you I
wanted to you just put your hand out right now,
with Sean. If I handed you four thousand dollars and
you don't know what to do with this, you don't
(22:57):
know how to invest it, you don't know how to
be wise giving people that type of money for the
first time ever in their life. Do you think they're
going to make the best decisions. So now we're talking
about we're coming from an angle of these conversations weren't
had at home because let's just keep it real, Mom
and dad didn't even manage money well. So now if
(23:18):
I'm talking to someone that maybe had that different financial
growing up training and background training, then they would be
wise when they get to college and send the refund
check back. So it's hard to say what should a
college do, but I want to put more emphasis on
what do parents need to be understanding and doing. The
college is a business. Yes, they have tools in place
(23:39):
and conversations and classes in place, but at the end
of the day, that's not their business to manage the
business of that person's finance. And also, we don't want
to even privatize it and really put too many restrictions
with sean because people do need that money sometimes to live.
Because yes, the cost of attendance, let's talk about it.
Community college could be really cute and thought, here's the problem.
(24:01):
Depending on your household. When you get eighteen or go
to college age, people expect you to leave. Where are
you living in the community college I know this story
so many times over right, this happened to my friends.
I remember, or when we go to state college. Now
we got to talk about when we get to that
state college, what majors are most profitable. Maybe you don't
(24:23):
get a chance to study butterflies, because now when nobody's
talking to our students about profitable majors and what that
looks like. But now let's get to the core. The
education system they came from didn't prepare them for biology,
for nursing, or because they just probably passed through high school.
So then you find out your high school diploma is
(24:45):
an equivalent to your counterparts high school diploma. You're struggling
with classes.
Speaker 2 (24:50):
Wow, I'll tell you something. I'm so glad I got
an opportunity to interview you, doctor Sonya Lewis. As we
close out this interview, what would you say is your
secret to success?
Speaker 4 (25:00):
Well? God, first, I'm telling you, God be showing up
in places that I haven't made it to yet. So
sometimes you know, my name is in a room that
I haven't made it to because He put it there first.
So that's number one. You gotta have good faith, especially
with entrepreneurship, because baby, this is a roller coaster. You
could be what you know so and then you know
you have to have good discernment about people too. You
(25:23):
cannot be an entrepreneur, a good business owner, a good
leader if you don't have discernment about people. That's another
thing that has always kept me well in business. I'm like,
you're a little sketchy for me. Now I can't be
dealing with you. And then the third thing is I
really practice my craft. I believe in mentorship, I believe
in investing in myself. I believe in making relationships that
(25:43):
will take me further. I know I'm not a silo
because entrepreneurship can make you feel lonely. But you got
to get out your house, okay. You got to make
sure that you connect with other like minded people. So
I've been putting those principles first and I've been really,
really successful.
Speaker 2 (25:58):
Well you've been fantastic, and thank you for at the
time talking to doctor Sonya Lewis Award winning business. It's
called the Student Loan Doctor. She's based out of Philadelphia,
but worldwide. You can reach her virtually because she is
handling virtual calls. And also then Montum she's three times
less than her competitors and guess what the competitors are
(26:18):
copying what she started, So always remember go to the
best who started it, and also have your welfare involved
because of the fact that she's keeping her rates at
a reasonable affordable rate based on the fact that she's
trying to help you continue your life again, Doctor Sonya Lewis,
thank you for coming on Money Making Conversation Masterclass.
Speaker 4 (26:38):
Thank you so much for having me.
Speaker 1 (26:40):
Oh it's awesome. I appreciate it.
Speaker 2 (26:41):
This has been another edition of Money Making Conversation Masterclass
posted by me Rashaun McDonald. Thank you to our guess
on the show today and thank you listening to audience now.
If you want to listen to any episode I want
to be a guest on the show, visit Moneymakingconversations dot com.
Our social media handle is money Making Conversation. Join us
next week and remember to always leave with your gifts.
Speaker 1 (27:04):
Keep winning.
Speaker 4 (27:05):
M
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