Student Loan Forgiveness Right Now

There are actually two student loan forgiveness programs operating right now in the U.S. It’s just really hard to meet the requirments. They are below as noted by in his article on “Joe Biden’s Policies and How They Could Impact Your Money.”

  • The Teacher Loan Forgiveness program is designed to cancel up to $17,500 in federal student loans for teachers. But the requirements are tough to meet and include teaching at low-income schools full time for five academic years.3
  • To qualify for the Public Service Loan Forgiveness program, you have to work full time for the government or a nonreligious nonprofit, be on an income-driven repayment plan, and prove that you’ve made all your student loan payments on time for 10 years.4 As of September 2020, only 3,469 people (out of 229,215 applications) had their loans forgiven through the program—that’s only about 1.5%!5

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Martin Luther King Jr. on Love

But God demonstrates his own love for us in this: While we were still sinners, Christ died for us. ” Bible, Romans 5:8 (NIV)

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Posted by on January 18, 2021 in Martin Luther King Day


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Let It Be, Martin Luther King Jr.

36 “Teacher, which is the greatest commandment in the Law?”
37 Jesus replied: “‘Love the Lord your God with all your heart and with all your soul and with all your mind.’[a] 38 This is the first and greatest commandment. 39 And the second is like it: ‘Love your neighbor as yourself.’[b] 40 All the Law and the Prophets hang on these two commandments.” (Bible, Matthew 22:36-40 NIV)

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Posted by on January 18, 2021 in Martin Luther King Day


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Martin Luther King Jr. on Love

” I saw Heaven and earth new-created. Gone the first Heaven, gone the first earth, gone the sea.
I saw Holy Jerusalem, new-created, descending resplendent out of Heaven, as ready for God as a bride for her husband.
3-5 I heard a voice thunder from the Throne: “Look! Look! God has moved into the neighborhood, making his home with men and women! They’re his people, he’s their God. He’ll wipe every tear from their eyes. Death is gone for good—tears gone, crying gone, pain gone—all the first order of things gone.” The Enthroned continued, “Look! I’m making everything new. Write it all down—each word dependable and accurate.” (Bible, Revelation 21:1-4, MSG)
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Posted by on January 18, 2021 in Martin Luther King Day


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Martin Luther King Jr. Love vs. Hate

If anyone says, “I love God,” and hates his brother, he is a liar; for he who does not love his brother whom he has seen cannot love God whom he has not seen. (Bible, 1 John 4:20)
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Posted by on January 17, 2021 in Martin Luther King Day


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Better Nutrition: Pork Fat and Frozen (not fresh) Spinach?

From Pocket’s article on the Top 100 Healthiest Foods

The World’s Most Nutrition Foods have been identified and ranked for your perusal. Most of these would have been on my list if I simply guessed. But pork fat making the Top 10 was a shock. Here are few tidbits from the list which you can delve into on Pocket where you’ll also find each one’s nutritional score on the scale.

#1 – Almonds: “Rich in mono-unsaturated fatty acids. Promote cardiovascular health and may help with diabetes.”

# 6 – Pumpkin seeds (Pepitas): “Including the seeds of other squashes. One of the richest plant-based sources of iron and manganese.”

#8 – Pork Fat: “A good source of B vitamins and minerals. Pork fat is more unsaturated and healthier than lamb or beef fat.”

#19 – Red Cabbage: “Rich in vitamins. Its wild cabbage ancestor was a seaside plant of European or Mediterranean origin.”

#24 – Frozen Spinach: “A salad crop especially high in magnesium, folate, vitamin A and the carotenoids beta carotene and zeazanthin. Freezing spinach helps prevent the nutrients within from degrading, which is why frozen spinach ranks higher than fresh spinach (no 45).”

I think I’ll be tossing more pumpkin seeds on my salads, but you might want to check out RachelCooks’ for pumpkin seeds eight ways! Bonus, several of her recipes use spices that are the Top 100 Most Nutritional Foods.



Posted by on January 15, 2021 in Food


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Covid-10 Vaccine Review & Info

Image credit: New York Times

Dr. Roach reviews the vaccine in the most recent edition of our hometown newspaper. (Yes, I still subscribe to hard copy). His is one of my favorite regular columns in The Mayfield-Messenger. What I read was different from what I heard, so I poked around the web a bit for these tidbits.

Dr. Roach Writes (regarding Pfizer)….Over 20,000 study participants received the vaccine; another 20,000+ received a placebo. Subjects ages from 12 to 91 were studied. The FDA reported data up to four months after subjects received their first vaccination. Eight cases of confirmed COVID-19 occurred in the group that got the vaccine, compared with 162 in the group that received placebo, meaning the vaccine is 95% effective.

[New York Times] Like Pfizer and BioNTech, Moderna makes its vaccine from mRNA….On Nov. 16, Moderna announced the first preliminary data from the trial, followed by the complete data on Nov. 30. Out of 196 cases of Covid-19 among trial volunteers, 185 were in people who received the placebo. And of the 11 vaccinated volunteers who got Covid-19, none suffered from severe disease.

[The Washington Post Online] The effectiveness of the flu vaccine ranges from 40 to 60 percent, according to the Centers for Disease Control and Prevention….

RNA vaccines contain a strip of genetic material within a fat bubble. Once inside the cell, the RNA generates a protein found on the surface of the virus. The immune system, presented with the protein, learns to recognize the virus.

The Washington Post has the best diagrams and explanations of how the primary two vaccination approaches work. Highly recommend. The vast difference between flu vaccine effectiveness and Covid-19 vaccine effectiveness bothers me. Is this because Covid-19 hasn’t evolved into different strains of the virus like Flu-A and Flu-B?

My parents got their first round (of two) Covid-19 vaccinations last week from their Primary Care Manager. Theirs was the Moderna vaccine. They live in a small town of appx 6,300 people [37K in county]. Like my current (small) hometown, septuegenarians with complicating issues are getting calls to come in. Cousins living in a larger Kentucky town of about 28,000 people [114K in county] report that only first phase employees are getting the vaccine in their area. Hopefully that will change soon.

At dinner my 14 year old asked if and when he can get the vaccine. “Sure,” I said. “This time next year.” He said, “Why you gotta do me that way?”


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Posted by on January 12, 2021 in In The News


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Details for Biden’s Proposed Student Loan Debt Forgiveness

Joe Biden has made six proposals for student loan forgiveness that will collectively forgive about one-third of the $1.7 trillion in outstanding student loan debt….

[1] Heroes Act, which will forgive up to $10,000 in student loan debt per borrower [maybe for all or only economic distressed]….

[2]…forgive tuition-related undergraduate federal student loan debt for students who graduated from public colleges [private schools, graduate education not qualified]….

[3]….proposes to change Public Service Loan Forgiveness into an up-front loan forgiveness program, with up to $10,000 in student loan forgiveness per year for up to five years for borrowers working full-time in a qualifying public service job [capped at $50K]….

[4]….proposed a new income-driven repayment plan that cuts the monthly payment to 5% of discretionary income….Borrowers will not have to make any payments on their federal student loans and interest will not accrue if their income is below $25,000

[5]….proposed to allow federal and private student loans to be discharged in bankruptcy.

[6]….[proposes restoring the] Borrower Defense to Repayment [which] cancels the debt of borrowers whose colleges made misrepresentations concerning their student loans or education program.

[Mark Kantrowitz at]

With one son in a public university and three more still at home, I have a couple thoughts and questions. $10k barely touches the amount owed by every person I know currently working to repay their student loans or incurring that debt. Tuition is only 1/3 of my son’s expenses at a public university, and his scholarship covers that. What is likely to happen to scholarship programs like his? What will happen to private colleges and universities? I would like to see a list of the qualifying public service jobs. Some people I know choose to earn less rather than lose some portion of their benefits. This is more interesting considering the run-off election for Senate seats in Georgia.

Penny for your thoughts?


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Posted by on January 8, 2021 in In The News



Merry Ethiopian Christmas!

An array of Ethiopian dishes on flat bread (injera) including chicken, beef and pork stew, greens, mashed lentils, green beans, cabbage and salad.

Two of our son are from Ethiopia, so we like to celebrate their Christmas Day which is called Ganna. We have some special food and open a few gifts, but that’s not how the holy-day is celebrated in their birth country. Here’s a few tidbits about the traditions.

The Ethiopian Orthodox Church considers January 7th to be the day of Jesus’ birth and is therefore the day for major religious activity in Ethiopia….Ganna is a strictly religious occasion with its own unique traditions. The giving of gifts is not central to the Ethiopian Christmas tradition, rather the focus is on ritual and ceremony….Many Ethiopians carry out a 43-day fast in the lead up to Christmas day….Visitors in Ethiopia for Ganna should expect to see the locals dressed completely in white on Christmas day….Chanting and singing are central to the services, many people go from church to church on foot to take part in various services….The 43-day fast is broken at daybreak on January 7th with a light meal. Later in the day a Doro Wat, a spicy stew containing meat and vegetables, and sometimes topped with an egg is eaten. Injera, Ethiopian flatbreads, are used to scoop up and eat the stew.

More here.

Find an Ethiopian Restuarant near you to try doro wat (chicken stew) and injera sometime as soon as you can!


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Posted by on January 7, 2021 in Christmas


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Student Loan Breaks Ending Soon

One of the breaks those with student loan debt received in 2020 was no accruing interest. In face, most federal loans went into forbearance in March 2020 meaning no payments had to be made and there was no interest. All that ends January 31st, so it’s time to start thinking about how you will make your payments. You can’t rely on campaign promises of that debt being canceled and decide not to repay now without tanking your credit score. You can watch the news, though, as lawmakers are discussing extending the forbearance into 2021.

Even better, make a payment now, if you are able. Maybe you just received Covid Relief? Usually any payments on your student loan go toward interest first, but you can slice off a chunk of the principle with any amount you pay during the forbearance period and save hundreds of dollars in the long term.

And chew on this bit of wisdom regarding what you owe…

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Posted by on January 5, 2021 in In The News


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