This is an I-Heart podcast. Guaranteed human. Hey, hey, VA 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-Fam. It's the B-AQA. 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 from me. Do not try to sue me. I have children. I need to put them through college. Okay. When I'm giving y'all my advice is my best take as a long time business and financial journalist, personal finance, expert, career coach, queen, all the above. All right. So again, don't sue me. Get out your salt shakers. And let's get into y'all's questions. 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 DMs, Brown Ambition podcast on IG. I love actually getting y'all's voice notes, and I'm going to share one today from a listener. 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. I'm going to try to get through a bunch today. But let's start with a really juicy one from listener, 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 of $5,250 per calendar year, my remaining out-of-pocket costs should be relatively small.

My husband and I currently own 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.

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.

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