🎓💰 Why Student Loans Are More Than Just a Personal Issue

This week on @Money Chill Out podcast, we tackle a topic affecting 45 million Americans and counting — student loans — with @Cédric Howard.

📊 With $1.7 trillion in debt and average balances nearing $29,000, this isn’t just a financial problem — it’s a political, planning, and priority issue.

In this episode #104, we unpack: ✅ Why state funding cuts triggered a tsunami of student debt ✅ Misconceptions — yes, anyone can end up with student loans ✅ The true cost of borrowing at 8–16% interest rates ✅ Smart strategies to manage or defer payments ✅ Why forgiveness is politically powerful — but not always fair ✅ What the future might hold: more applied, hybrid learning paths

💡 “Don’t let your loan consume you. Use the same drive that got you the degree to pay it off.”

Whether you’re paying off debt, planning for college, or curious about the system, this episode offers clarity, perspective, and hope.