We are back. It's been a bunch of hot minutes since the last podcast. But Damon Day and myself, Steve Rhode, are huddled over an iPhone recording this podcast in a random hotel room someplace.

Besides discussing the manufactured student loan fiasco with the off-again and soon-to-be-on-again student loan payments, we chat about the confusion created by the new SAVE program that might not go through even though millions are now enrolled.

Damon from DamonDay.com talks about how consumers call him in a panic over student loan payments starting soon.

And in the years since student loan payments were put on pause, people's spending expanded to fill the void left by suspended student loan payments. What could go wrong?

Whatever financial mess consumers face seems to be created more by emotional politics than a promise by the government to its citizens.

We talk about why the financial mess created by higher education debt will not be resolved anytime soon.

The podcast turns into a warning on how not to get taken by random letters in the mail. We give excellent advice on how not to get scammed.

And we give you the fundamental lessons that need to be learned not to be a victim.

Finally, we devolve into good advice on how to repair your credit for free.