This is an IHeart podcast.

Guaranteed Human.

Hey, hey, BA fam. What's up and welcome back to Brown Ambition. It's your girl, Mandy Money, and I'm so excited to be here at IHeart Studio. I'm in the red room, y'all. Like, I think the chair I'm sitting on, many a famous butt has been on it, not just, you know, mine. I'm so, so happy to be here with y'all, B.A It's the BAQA. This is where I take your questions, and I give you my lowercase A answer. So let me get this out of the way. Do not come for me. Do not try to sue me. I have children. I need to put them through college, okay? When I'm giving you all my advice is my best take as a longtime business and financial journalist,

personal finance, expert, career coach, queen, all the above. All right. So again, don't sue me.

Now, before I get started, please send me your questions. You can hit me up at Brown Ambition podcast at gmail.com or you can slide into my DM's Brown Ambition podcast on IG. I getting y'all's voice notes. So if you want to just get it off your chest, go ahead, drop me a voice note in IG. Or if you know, more of an analog girly, then you can hit me up via email. I so look forward to hearing from y'all. I love, love answering y'all's questions. Let's start with a really juicy one from listener

Sydney. All right, Sydney. Sydney says, hey, friend in my head. I'm a 34-year-old full-time nurse

married with no children, currently managing a student loan balance of roughly $30,000, with a monthly

payment of $500. Based on my calculations i've got about

three years of payments left before i qualify for public service loan forgiveness i am also starting my

master's degree and by securing in-state tuition i was able to reduce the total cost of tuition

from 65,000 to 20,000 yes for in-state with employer tuition reimbursement of65,000 to $20,000. Yes, for in-state. With employer tuition reimbursement of $5,250 per

calendar year, my remaining out-of-pocket costs should be relatively small. My husband and I currently

owe a home, but we are planning to sell and purchase a new one that's closer to work as my current commute

is 33 miles each way out. Earlier this year I had to purchase a new car due to commute demands

resulting in a monthly car payment of nearly $600. Both my husband and I have excellent credit.

He carries about 50 grand in student loans but no car payment. Okay, what a man.

We maintain just under three months of savings in a high-yield savings account as we navigate

these financial and life transitions. So here's my question. Since my loans are currently in deferment

due to being a student again, do I stop making payments and focus on the hopeful move and new mortgage payment, or do I push forward and keep making that $500 payment to get closer to loan forgiveness? Because who knows if that will go away with the current administration? I've already delayed my public service loan forgiveness by not making payments

during another deferment period working toward my second degree, as well as during the COVID pause.

So I'm kicking myself for not being done by now. Any suggestions you may have to improve my

financial situation are welcome. Okay, Ms. Thang, well, first of all, congratulations on being married with no

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