November 6, 2025 • 16 mins
Student loans are back, and for many, it feels like a bad sequel nobody asked for. If you’ve been dreading the restart or avoiding your balance, you’re not alone. In this episode, Laura shares how to take the panic out of payments with clarity, calm, and a 3-step plan that actually works. Learn what’s new with student loans, how to find peace in the process, and how to turn “I owe” into “I own.”
In this episode you’ll learn:
- What’s really happening with student loan repayments in 2025
- The truth about new repayment plans like SAVE and forgiveness programs
- Why clarity is kinder than fear when facing your loan balance
- How to choose a repayment plan that fits your financial goals
- A 3-step framework to turn student loan chaos into calm
Learn more about working with Laura Sexton
. Join the Facebook group Legacy Builders Network.
· Become a master with your money. Learn more here!
· Checkout the resource library here!
Want to ask a question Laura can answer on the podcast? Connect with her here!
Want to receive a live money or career audit? Apply Here
Send an email to Laura@AccelerateYourLegacy.com or send a DM on Instagram @accelerateyourlegacy
Elevate your coaching with daily devotionals and prayers from 'Seasoned with Salt.' Get your copy HERE!
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Audio Only - All Partic (00:00):
Student loans are back, and for a lot of
people it feels like a badsequel.
Nobody asked for.
If you've been dreading thepayment notice or wondering how
to fit another bill into analready tight budget, you are
not alone.
Laura (00:17):
hello and welcome to money and career mastery from
overwhelmed to ownership.
I'm Laura Sexton, your abundanceand legacy coach here to help
you navigate the world of money,debt payoff, and career growth
with confidence and clarity.
In this podcast, we'll tacklethe financial and career
challenges, holding you back,optimize your income and build
(00:37):
the freedom that comes with trueownership.
If you're ready to break freefrom overwhelm, create a budget
that aligns with your values anddesign a legacy that empowers
future generations.
You're in the right place.
Audio Only - All Participan (00:51):
Hey accelerators, maybe you thought
this chapter was behind you andnow it's showing up again, right
when everything else feels justway too expensive.
Today we're gonna talk abouttaking panic out of the process.
We're gonna talk about studentloans, which change what you can
actually do, and moreimportantly, how to find peace
in the middle of it all.
(01:12):
So take a deep breath with me.
You don't have to be afraid ofthis topic anymore.
I got you.
I wanna start with a story.
A few weeks ago, I was sittingon Zoom with one of my clients.
She's a teacher, a mom, and shehas been doing everything right.
She's budgeting, she's cuttingback, she's planning for the
(01:32):
future, all the things.
But when her student loanpayment restarted, she just
froze.
I totally understand thisimpulse of it's too much.
I can't do it alone.
And that's why we got to do ittogether.
So we logged in and we looked ather balance.
It felt like it took 30 minutesfor that full number to load.
(01:57):
And when it did, she started tocry, not because of.
The number itself, but becauseof what it represented, years of
her doing her best, paying whatshe could and feeling like it
just wasn't enough in thatmoment, that was money.
Fear, like we talked about lastweek, not just the dollars,
(02:20):
right?
It's not just about the dollars,it's the weight that we carry.
The shame, the guilt, theexhaustion, student loans are
exhausting.
And yet, once you saw the numberclearly.
The tears stopped becauseclarity, even when it's hard, is
always kinder than fears.
Imagination.
Let's zoom out for a second.
(02:41):
Here is what's happening.
After three years of pauses, thestudent loan system has flipped.
The switch back on interest hasresumed.
Payments are due, and the ruleshave changed yet again.
We have new servicers, newplans, new acronyms, Ugh.
If you're feeling confused,that's normal because I was
(03:01):
feeling too, and even financialcoaches that I know we have to
read and reread and read again,the new payment rules, and I
wanna say this clearly, you arenot behind and you are not
broken.
You were just living through asystem that was never designed
(03:22):
to be simple.
This system was set up to keepyou in this loop.
They set you up to take out moreloans than you need.
They set you up to pay over 20years, and when you get to the
end of that 20 years, youhaven't made a dent in the
(03:42):
principle.
And if you've refinanced at anypoint in time, you have to start
those 20 years over.
It's insanity.
Think of this like the firstworkout after a really long
break, your muscles are sorebecause you haven't used them in
a while, but the soreness isproof that you're re-engaging,
not proof that you're failing.
(04:04):
Before we talk strategy, let'sget grounded in what's actually
going on right now.
Okay.
Half of the panic I'm seeing iscoming from confusion, not from
the numbers themselves, andconfusion is fair when things
keep changing and moving aroundand like it's a lot.
Okay, so here's what's new.
What's new is the payment.
Pause is officially over.
(04:26):
99% of my clients that are notcurrently in school have their
payments restarted.
Now there are going to be thatone or two exceptions.
You are probably not theexception.
Let's get clear on what you'reactually facing.
Interest started accruing againin September and the new save
plan.
(04:46):
Why everything has to have acuteacronym in Washington, I'm not
really sure.
But the SAVE plan, that's theincome driven repayment option
is replacing the old REPAYE planfor most borrowers.
Some borrowers are stilleligible for forgiveness under
the public service or, one-timeaccount adjustments.
But those programs take time.
(05:06):
And even though I've seen anuptick in the people who are
getting approved on publicservice loan forgiveness
program, the PSLF oh y'all, it'sstill less than 2% of people.
The number of people thatactually make it through it's
dismal.
It's so sad, and that's up.
(05:27):
That number is up from beforewhen it was 0.7, 5% of people
were getting approved.
So if you've heard the buzzonline, forgiveness is gone.
My balance doubled overnight,just take a breath.
That is fear marketing.
That is not truth.
Here is what hasn't changed.
The best financial progressstill comes from the same
(05:48):
things.
Knowing your numbers, choosing aplan that fits your life, and
committing to small, steadysteps over time.
You don't have to outsmart theentire system.
You just have to make your nextright move.
Okay, so now let's talk aboutthe elephant in the room, your
(06:09):
avoidance.
If you've been ignoring yourloans, avoiding the login page,
or just hoping the whole thing'sgonna go away.
Please hear me.
You're not lazy.
You are not alone.
I hope you hear me saying thattoday.
You're not alone.
Avoidance is usually just fearwearing a different outfit.
You're protecting yourself frompaying the pain of seeing the
number or the shame of feelingbehind.
(06:30):
I get that.
But here's the problem.
While you're protecting yourheart, your wallet is quietly
paying the price interest keepsgrowing late.
Fees pile up in the emotionaltoll, the guilt, the background
stress.
It's heavy.
I've had clients tell me theydidn't realize how much mental
energy they were spendingavoiding their loans until we
(06:52):
finally looked together andafterward, I always hear them
say the same thing.
That just feels lighter.
The power of clarity, myfriends, it's not about a
perfect budget, it's aboutfinally taking the weight off
your chest.
So if you're hiding from thenumbers, this is your gentle,
not so gentle nudge to look, notto judge yourself.
(07:14):
Just to tell yourself the truthbecause the truth always sets
you free much faster thanavoidance.
Well, and let's be honest, youcan't avoid a federal student
loan because they will comeafter you.
Now, let's dream for a second.
What does.
What does it actually feel liketo be student loan free?
(07:37):
For some of you, you're like, Idon't know, and I'm never gonna
find out'cause I got these loanswhen I'm 20 and I'm 50 years old
and I'm still paying on them.
I know those people.
You're not alone.
Like, this is not about themath.
It's about the mental space.
So imagine getting your paycheckand not watching a huge chunk
banish.
Imagine making choices based onpurpose, not on pressure.
(08:00):
Imagine feeling proud of how faryou've come and not haunted by
what you owe because your almamater's coming after you asking
for donations, asking forscholarship money, and you're
like, I'm still paying for mine.
Looking towards the future,that's what we're building
towards.
Even if today just looks likelogging in and checking your
balances, know that freedomisn't a finish line.
(08:24):
It's built a little by littlethrough every decision, every
decision to look, every decisionto plan, every decision to keep
moving forward.
And here's what's beautiful.
When you stop letting fear andshame lead, you start leading
your own money.
You move from IO to I own.
(08:44):
That's the heartbeat of legacy.
You are building financialfreedom that doesn't just change
your life, it changes what'spossible for everyone who comes
after you.
We've named the system.
We've faced our fear, we'vepictured the freedom.
So let's talk about how to getthere.
Here's my simple framework.
Three steps to bring calm backinto your student loan story.
(09:07):
First of all, you gotta knowyour numbers.
Open your browser, go to studentaid.gov, yes.
Even if this feels terrifying,go ahead and do it.
If you do it right now, it'slike I'm doing it with you.
Log in and look at your fulllist of loans, balances and
interest rates.
If you've been avoiding this,this is your flashlight moment.
(09:29):
Turn it on.
Write down what you see eachloan.
It's balance, interest rate, andwho services it.
This is your loan snapshot, anaccelerator.
Clarity replaces.
Chaos every single time.
I just had one of my longeststanding clients finally sit
(09:50):
down and give me all of hernumbers.
She knew what the total was, butwe hadn't broken them down.
And what we found was that someof them are small enough that
she could tackle them and one totwo months, and she got really
excited.
That's what happens when we knowour numbers.
So pick your plan, not yourpanic.
(10:10):
You've probably heard aboutrepayment options like standard
or graduated Income driven.
The new SAVE plan is an incomedriven plan.
The headlines here, they'regonna be loud, but your decision
should not come from theheadlines.
It should come from your.
Numbers.
Now, if you were doing the debtsnowball, I want you to make
(10:30):
minimum payments on everythingexcept for your smallest loan.
And if that means getting on theincome driven repayment plan
makes these numbers smaller fornow, that's okay as long as
you're going to get after it.
So let's just say for the sakeof today's podcast that you have
paid off everything except foryour student loans.
(10:55):
That's what we're gonna do rightnow.
And if you're not sure where tostart, there is a loan simulator
tool on the government site.
It's pretty fun.
It's free, it's surprisinglyhelpful, and it'll show you the
monthly payment under each plan,and that's how you're gonna find
your piece point.
And if we're sitting across fromeach other right now, I'd say
(11:15):
let's test drive the mathinstead of guessing, because
panics gonna make bad decision,and Clarity's gonna make a calm
one.
So sit down and look at whichplan is going to be best for
you.
But I don't want these stickingaround for another 20, 30 years.
I want you to get after it andget them paid off in one to two.
(11:37):
That may sound crazy, but Ipromise you it's completely
possible.
If I can pay off$372,347 in debtin three years, you can pay off
your student loans in one totwo, now we have gone back.
We know our numbers.
We've picked which plan we'regoing to be working under, and
(11:58):
step three is just put it inyour system.
Once you've chosen the plan, youbuild it into your life like any
other bill, you add it to yourbudget, you set it on autopay,
you make it part of your regularmoney date.
Ownership is not aboutperfection.
It's about paying attention.
And when you bring your studentloans into the light of your
regular money rhythm, they stopbeing monsters in the closet and
(12:19):
they become just one piece ofthe plan.
So with your debt snowball.
You are going to keep all ofyour student loans separate.
You are going to have them andmost of'em are listed aa, ab, a
C, ad, they're separated out,whichever one has the smallest
balance.
That's one we're going to betackling if.
(12:41):
Your servicer requires you tocall in to make a principal
payment towards one specificloan.
Guess what you're doing?
You're calling in every time youhave extra money.
Some of them only accept twopayments a month.
We're gonna have to bestrategic.
You need to know the ins andouts of your servicer.
Does that sound like I'm givingyou extra steps?
(13:01):
Yes.
I'm sorry.
You're going to have to get toknow this thing that is holding
your student loans right now.
I do not want you torenegotiate.
I do not want you to put theminto your mortgage.
I do not want you to get rid ofyour federal protections under
your federal student loans.
Federally, there are manydifferent ways that they can be
forgiven.
(13:22):
That would not happen if you.
Refinance them.
So before you ever think aboutdoing that, get on a call with
me and let's talk through whatthe options are there.
Okay.
Let's talk about our emotionalreframe.
I, I really wanna talk aboutshame.
Maybe you have said to yourself,I should have known better, or I
(13:43):
shouldn't have borrowed thatmuch.
Or maybe I didn't even finishthat degree.
What was it all for those firsttwo?
That was me and that last onethat was my mom.
Accelerator.
You did what you thought wasbest with the information you
had at that time.
That's what it means to be humanand your student loans.
Guess what?
They're part of your story, butthey're not the headline.
(14:06):
Okay?
You get to decide how thischapter ends.
You can't change how the storystarted, but you can absolutely
change where it's going.
Can you guys tell that nano Rmois in full effect and I'm all
about the storytelling rightnow?
Okay, here's what I know fromwalking with hundreds of people
through their financialjourneys.
You can't let shame do the mathbecause shame is terrible at
(14:30):
math.
Fear tells you to hide, andshame tells you you're all
alone.
But hope, hope whispers you cando this.
Student loans are a season.
This season, like all seasonswill pass and it passes faster
when you walk through itintentionally instead of
fearfully.
So take one step at a time.
(14:50):
Name your fear, find the fact,take the next right.
Action.
Small steps.
Build confidence and confidencequiets your fear.
If student loans have beenweighing on you, I want you to
know that you don't have tofight it out alone.
This is what I do every day incoaching.
We take the chaos and the fearand we build a plan.
(15:10):
And implementing that planbrings peace.
You don't need a perfect plan,you just need a starting point.
So if you're ready for that,schedule a clarity call with me.
Let's look at your numberstogether and find your next
right step.
Next week.
We're gonna talk about spendingto buy affection, how your
hearts and wallets get tangledduring the holidays, and how to
(15:31):
love well without letting money,guilt lead the way.
Until then, take a deep breath.
You're doing better than youthink in your money story.
It's not scary.
It's just ready to be rewritten.
That's it for this week.
Accelerators go out and make adifference.
I.
Laura (15:53):
thank you for spending time with us today on Money and
Career Mastery from Overwhelm toOwnership.
Remember, your legacy isn't justabout financial freedom.
It's about living with purpose,taking action, and building a
foundation that lasts forgenerations.
Don't just listen, implementwhat you've learned and share it
with someone who could use afinancial or career
breakthrough.
(16:13):
If you found value in today'sepisode, help us grow by rating,
reviewing, and sharing thepodcast.
I'll be back next week with morestrategies to help you master
your money and career.
Until then take ownership ofyour future and build your
legacy with intention.
Student loans are back, and for a lot of
people it feels like a badsequel.
Nobody asked for.
If you've been dreading thepayment notice or wondering how
to fit another bill into analready tight budget, you are
not alone.
Laura (00:17):
hello and welcome to money and career mastery from
overwhelmed to ownership.
I'm Laura Sexton, your abundanceand legacy coach here to help
you navigate the world of money,debt payoff, and career growth
with confidence and clarity.
In this podcast, we'll tacklethe financial and career
challenges, holding you back,optimize your income and build
(00:37):
the freedom that comes with trueownership.
If you're ready to break freefrom overwhelm, create a budget
that aligns with your values anddesign a legacy that empowers
future generations.
You're in the right place.
Audio Only - All Participan (00:51):
Hey accelerators, maybe you thought
this chapter was behind you andnow it's showing up again, right
when everything else feels justway too expensive.
Today we're gonna talk abouttaking panic out of the process.
We're gonna talk about studentloans, which change what you can
actually do, and moreimportantly, how to find peace
in the middle of it all.
(01:12):
So take a deep breath with me.
You don't have to be afraid ofthis topic anymore.
I got you.
I wanna start with a story.
A few weeks ago, I was sittingon Zoom with one of my clients.
She's a teacher, a mom, and shehas been doing everything right.
She's budgeting, she's cuttingback, she's planning for the
(01:32):
future, all the things.
But when her student loanpayment restarted, she just
froze.
I totally understand thisimpulse of it's too much.
I can't do it alone.
And that's why we got to do ittogether.
So we logged in and we looked ather balance.
It felt like it took 30 minutesfor that full number to load.
(01:57):
And when it did, she started tocry, not because of.
The number itself, but becauseof what it represented, years of
her doing her best, paying whatshe could and feeling like it
just wasn't enough in thatmoment, that was money.
Fear, like we talked about lastweek, not just the dollars,
(02:20):
right?
It's not just about the dollars,it's the weight that we carry.
The shame, the guilt, theexhaustion, student loans are
exhausting.
And yet, once you saw the numberclearly.
The tears stopped becauseclarity, even when it's hard, is
always kinder than fears.
Imagination.
Let's zoom out for a second.
(02:41):
Here is what's happening.
After three years of pauses, thestudent loan system has flipped.
The switch back on interest hasresumed.
Payments are due, and the ruleshave changed yet again.
We have new servicers, newplans, new acronyms, Ugh.
If you're feeling confused,that's normal because I was
(03:01):
feeling too, and even financialcoaches that I know we have to
read and reread and read again,the new payment rules, and I
wanna say this clearly, you arenot behind and you are not
broken.
You were just living through asystem that was never designed
(03:22):
to be simple.
This system was set up to keepyou in this loop.
They set you up to take out moreloans than you need.
They set you up to pay over 20years, and when you get to the
end of that 20 years, youhaven't made a dent in the
(03:42):
principle.
And if you've refinanced at anypoint in time, you have to start
those 20 years over.
It's insanity.
Think of this like the firstworkout after a really long
break, your muscles are sorebecause you haven't used them in
a while, but the soreness isproof that you're re-engaging,
not proof that you're failing.
(04:04):
Before we talk strategy, let'sget grounded in what's actually
going on right now.
Okay.
Half of the panic I'm seeing iscoming from confusion, not from
the numbers themselves, andconfusion is fair when things
keep changing and moving aroundand like it's a lot.
Okay, so here's what's new.
What's new is the payment.
Pause is officially over.
(04:26):
99% of my clients that are notcurrently in school have their
payments restarted.
Now there are going to be thatone or two exceptions.
You are probably not theexception.
Let's get clear on what you'reactually facing.
Interest started accruing againin September and the new save
plan.
(04:46):
Why everything has to have acuteacronym in Washington, I'm not
really sure.
But the SAVE plan, that's theincome driven repayment option
is replacing the old REPAYE planfor most borrowers.
Some borrowers are stilleligible for forgiveness under
the public service or, one-timeaccount adjustments.
But those programs take time.
(05:06):
And even though I've seen anuptick in the people who are
getting approved on publicservice loan forgiveness
program, the PSLF oh y'all, it'sstill less than 2% of people.
The number of people thatactually make it through it's
dismal.
It's so sad, and that's up.
(05:27):
That number is up from beforewhen it was 0.7, 5% of people
were getting approved.
So if you've heard the buzzonline, forgiveness is gone.
My balance doubled overnight,just take a breath.
That is fear marketing.
That is not truth.
Here is what hasn't changed.
The best financial progressstill comes from the same
(05:48):
things.
Knowing your numbers, choosing aplan that fits your life, and
committing to small, steadysteps over time.
You don't have to outsmart theentire system.
You just have to make your nextright move.
Okay, so now let's talk aboutthe elephant in the room, your
(06:09):
avoidance.
If you've been ignoring yourloans, avoiding the login page,
or just hoping the whole thing'sgonna go away.
Please hear me.
You're not lazy.
You are not alone.
I hope you hear me saying thattoday.
You're not alone.
Avoidance is usually just fearwearing a different outfit.
You're protecting yourself frompaying the pain of seeing the
number or the shame of feelingbehind.
(06:30):
I get that.
But here's the problem.
While you're protecting yourheart, your wallet is quietly
paying the price interest keepsgrowing late.
Fees pile up in the emotionaltoll, the guilt, the background
stress.
It's heavy.
I've had clients tell me theydidn't realize how much mental
energy they were spendingavoiding their loans until we
(06:52):
finally looked together andafterward, I always hear them
say the same thing.
That just feels lighter.
The power of clarity, myfriends, it's not about a
perfect budget, it's aboutfinally taking the weight off
your chest.
So if you're hiding from thenumbers, this is your gentle,
not so gentle nudge to look, notto judge yourself.
(07:14):
Just to tell yourself the truthbecause the truth always sets
you free much faster thanavoidance.
Well, and let's be honest, youcan't avoid a federal student
loan because they will comeafter you.
Now, let's dream for a second.
What does.
What does it actually feel liketo be student loan free?
(07:37):
For some of you, you're like, Idon't know, and I'm never gonna
find out'cause I got these loanswhen I'm 20 and I'm 50 years old
and I'm still paying on them.
I know those people.
You're not alone.
Like, this is not about themath.
It's about the mental space.
So imagine getting your paycheckand not watching a huge chunk
banish.
Imagine making choices based onpurpose, not on pressure.
(08:00):
Imagine feeling proud of how faryou've come and not haunted by
what you owe because your almamater's coming after you asking
for donations, asking forscholarship money, and you're
like, I'm still paying for mine.
Looking towards the future,that's what we're building
towards.
Even if today just looks likelogging in and checking your
balances, know that freedomisn't a finish line.
(08:24):
It's built a little by littlethrough every decision, every
decision to look, every decisionto plan, every decision to keep
moving forward.
And here's what's beautiful.
When you stop letting fear andshame lead, you start leading
your own money.
You move from IO to I own.
(08:44):
That's the heartbeat of legacy.
You are building financialfreedom that doesn't just change
your life, it changes what'spossible for everyone who comes
after you.
We've named the system.
We've faced our fear, we'vepictured the freedom.
So let's talk about how to getthere.
Here's my simple framework.
Three steps to bring calm backinto your student loan story.
(09:07):
First of all, you gotta knowyour numbers.
Open your browser, go to studentaid.gov, yes.
Even if this feels terrifying,go ahead and do it.
If you do it right now, it'slike I'm doing it with you.
Log in and look at your fulllist of loans, balances and
interest rates.
If you've been avoiding this,this is your flashlight moment.
(09:29):
Turn it on.
Write down what you see eachloan.
It's balance, interest rate, andwho services it.
This is your loan snapshot, anaccelerator.
Clarity replaces.
Chaos every single time.
I just had one of my longeststanding clients finally sit
(09:50):
down and give me all of hernumbers.
She knew what the total was, butwe hadn't broken them down.
And what we found was that someof them are small enough that
she could tackle them and one totwo months, and she got really
excited.
That's what happens when we knowour numbers.
So pick your plan, not yourpanic.
(10:10):
You've probably heard aboutrepayment options like standard
or graduated Income driven.
The new SAVE plan is an incomedriven plan.
The headlines here, they'regonna be loud, but your decision
should not come from theheadlines.
It should come from your.
Numbers.
Now, if you were doing the debtsnowball, I want you to make
(10:30):
minimum payments on everythingexcept for your smallest loan.
And if that means getting on theincome driven repayment plan
makes these numbers smaller fornow, that's okay as long as
you're going to get after it.
So let's just say for the sakeof today's podcast that you have
paid off everything except foryour student loans.
(10:55):
That's what we're gonna do rightnow.
And if you're not sure where tostart, there is a loan simulator
tool on the government site.
It's pretty fun.
It's free, it's surprisinglyhelpful, and it'll show you the
monthly payment under each plan,and that's how you're gonna find
your piece point.
And if we're sitting across fromeach other right now, I'd say
(11:15):
let's test drive the mathinstead of guessing, because
panics gonna make bad decision,and Clarity's gonna make a calm
one.
So sit down and look at whichplan is going to be best for
you.
But I don't want these stickingaround for another 20, 30 years.
I want you to get after it andget them paid off in one to two.
(11:37):
That may sound crazy, but Ipromise you it's completely
possible.
If I can pay off$372,347 in debtin three years, you can pay off
your student loans in one totwo, now we have gone back.
We know our numbers.
We've picked which plan we'regoing to be working under, and
(11:58):
step three is just put it inyour system.
Once you've chosen the plan, youbuild it into your life like any
other bill, you add it to yourbudget, you set it on autopay,
you make it part of your regularmoney date.
Ownership is not aboutperfection.
It's about paying attention.
And when you bring your studentloans into the light of your
regular money rhythm, they stopbeing monsters in the closet and
(12:19):
they become just one piece ofthe plan.
So with your debt snowball.
You are going to keep all ofyour student loans separate.
You are going to have them andmost of'em are listed aa, ab, a
C, ad, they're separated out,whichever one has the smallest
balance.
That's one we're going to betackling if.
(12:41):
Your servicer requires you tocall in to make a principal
payment towards one specificloan.
Guess what you're doing?
You're calling in every time youhave extra money.
Some of them only accept twopayments a month.
We're gonna have to bestrategic.
You need to know the ins andouts of your servicer.
Does that sound like I'm givingyou extra steps?
(13:01):
Yes.
I'm sorry.
You're going to have to get toknow this thing that is holding
your student loans right now.
I do not want you torenegotiate.
I do not want you to put theminto your mortgage.
I do not want you to get rid ofyour federal protections under
your federal student loans.
Federally, there are manydifferent ways that they can be
forgiven.
(13:22):
That would not happen if you.
Refinance them.
So before you ever think aboutdoing that, get on a call with
me and let's talk through whatthe options are there.
Okay.
Let's talk about our emotionalreframe.
I, I really wanna talk aboutshame.
Maybe you have said to yourself,I should have known better, or I
(13:43):
shouldn't have borrowed thatmuch.
Or maybe I didn't even finishthat degree.
What was it all for those firsttwo?
That was me and that last onethat was my mom.
Accelerator.
You did what you thought wasbest with the information you
had at that time.
That's what it means to be humanand your student loans.
Guess what?
They're part of your story, butthey're not the headline.
(14:06):
Okay?
You get to decide how thischapter ends.
You can't change how the storystarted, but you can absolutely
change where it's going.
Can you guys tell that nano Rmois in full effect and I'm all
about the storytelling rightnow?
Okay, here's what I know fromwalking with hundreds of people
through their financialjourneys.
You can't let shame do the mathbecause shame is terrible at
(14:30):
math.
Fear tells you to hide, andshame tells you you're all
alone.
But hope, hope whispers you cando this.
Student loans are a season.
This season, like all seasonswill pass and it passes faster
when you walk through itintentionally instead of
fearfully.
So take one step at a time.
(14:50):
Name your fear, find the fact,take the next right.
Action.
Small steps.
Build confidence and confidencequiets your fear.
If student loans have beenweighing on you, I want you to
know that you don't have tofight it out alone.
This is what I do every day incoaching.
We take the chaos and the fearand we build a plan.
(15:10):
And implementing that planbrings peace.
You don't need a perfect plan,you just need a starting point.
So if you're ready for that,schedule a clarity call with me.
Let's look at your numberstogether and find your next
right step.
Next week.
We're gonna talk about spendingto buy affection, how your
hearts and wallets get tangledduring the holidays, and how to
(15:31):
love well without letting money,guilt lead the way.
Until then, take a deep breath.
You're doing better than youthink in your money story.
It's not scary.
It's just ready to be rewritten.
That's it for this week.
Accelerators go out and make adifference.
I.
Laura (15:53):
thank you for spending time with us today on Money and
Career Mastery from Overwhelm toOwnership.
Remember, your legacy isn't justabout financial freedom.
It's about living with purpose,taking action, and building a
foundation that lasts forgenerations.
Don't just listen, implementwhat you've learned and share it
with someone who could use afinancial or career
breakthrough.
(16:13):
If you found value in today'sepisode, help us grow by rating,
reviewing, and sharing thepodcast.
I'll be back next week with morestrategies to help you master
your money and career.
Until then take ownership ofyour future and build your
legacy with intention.
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