Mary Lyn Hammer’s Post

If you have an opinion either for or against this, the deadline for submitting comments ends on May 17, 2024. https://lnkd.in/eM5vEj6C

Now that student loans are going into repayment again, our goal is to mentor borrowers through the process and make sure they remain in good standing on their student loans even if they can’t pay right away! https://lnkd.in/g_ppWDmq

The Trump administration paused student loan payments in March 2020. That pause has been extended SIX times and is set to end on August 31, 2022. With the two-year pause ending, researchers at the Federal Reserve Bank of New York released a report in March 2022 predicting that borrowers are likely to struggle financially once forbearance ends, resulting in “a meaningful rise in delinquencies, both for student loans and other debt.“ Other research suggests as many as 7.8-million borrowers — nearly three in 10 — are at “high risk” of missing payments once the federal government lifts its repayment moratorium. https://lnkd.in/dyPQM2uA

Please, join us for a FREE PSI Basic Presentation, St Paddy's Day style! Irish beverages and food will be served after the presentation. We'd love to see our friends in person and will also have a zoom option available. 6:30 PM Registration 7:00 PM Presentation 8:00 PM Food & Beverages

Student loans can't just be forgiven! Education is a part of the domestic discretionary budget and that number is based on the federal budget each year. For 2021, President Trump requested $1.485 Trillion for the domestic discretionary budget of which $66.6 Billion was designated for ALL of education - kindergarten through college. Education is typically less than 2% of our national spending so is it any wonder that our education programs are failing? https://lnkd.in/gfrpEgz Federal student loan debt is over $1.7 Trillion now and it is very clear that there is not enough money in the domestic discretionary budget to pay these loans off. The entire budget is less than the debt. So lets get real folks - the ONLY way to forgive student loan debt is to tax all Americans to cover the debt and that would be devastating to EVERY American. Additionally, the student loan payments go directly into the GENERAL FUND to be used for anything and everything (not back into education.) Since private lenders were eliminated from the federal student loan program in 2009, the government has been making billions in high interest rates off of the federal student loan program. Coupled with the "income contingent repayment schedules" (imposed through Obama's executive order beginning in 2010) that lower payments to interest only or worse - negative amortization - nearly all of the payments made go to interest which is PROFIT to the government. So, these crippling student loan payments are profiting the government and leaving citizens financially devastated. To authorize student loan forgiveness, CONGRESS must: 1. Pass a law authorizing student loan forgiveness and then (Reauthorization of the Higher Education Act of 1965 last occurred in 2008 and should happen every 6 years so Congress hasn't done their jobs here) 2. Find the money in the federal budget to pay for the forgiveness (Pass the Federal Budget to include $1.7 Trillion in student loan debt in addition to funding all of the rest of education (K-12) and other college funding programs. Just because the forgiveness gets authorized doesn't mean it will be funded. This happens consistently with the Pell Grant Program where it is authorized for more than is actually funded. For example, $4,850 is authorized in an education bill but only $4,050 is funded per student per year. The "authorized" number is political and the "funded" number is real. Period. This is a political game that burdens student loan borrowers and taxpayers. https://lnkd.in/gY22CZP #funding #congress #loans #highereducation #education #financialliteracy #studentloans

Healing from Lyme disease IS possible! https://lnkd.in/gFfnhDW #

Read the story of how Mary Lyn triumphed over Lyme disease. https://lnkd.in/gFfnhDW

Learn how Mary Lyn healed from Lyme disease. Over My Dead Body by Mary Lyn Hammer is now available at https://lnkd.in/gFfnhDW.

Excerpt from Over My Dead Body... "Standing at death’s door allows us to look back upon the footprints we left here on earth. Did we make a difference? Did we improve life for ourselves and others? Blessed is she who is given insight about the past so that the future can be molded in a brilliant, magnificent way. God works through us each and every day if we allow it. Sometimes it takes a tragedy to truly listen to His mission for us and triumph. Quiet yourself, listen for His messages, and you will know your destiny." We go to print tomorrow!!! Woohoo! Preorders are available at https://lnkd.in/gFHbmAA #LymeDisease #LymeDiseaseCure #LymeDiseaseTreatment #NearDeathExperience

Excerpt from OVER MY DEAD BODY, the story of how my daughter and I healed from Lyme disease. We have been Lyme-free since 2009. ...Elizabeth came home from school and wanted to talk. I will never forget it and the memory still brings tears to my eyes. ***** She said, “Mommy, this was the best Monday of my life!” “Why is that, honey?” I replied. “Because I’m not tired!” she answered. It was then that I knew beyond any shadow of doubt that we had won... ***** Three months later, Elizabeth won the hand-stand contest during the year-end gymnastics show. Coach Denise told the entire audience this was a monumental accomplishment for her because she had previously had to rest between activities but now has the strength to win! PREORDERS for OVER MY DEAD BODY are available at https://lnkd.in/gMa-XPV