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Ronda-isms: Good-Bad-Ugly™

Failure is an option and it's okay, just keep trying.

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Author: Ronda Lee

Founder, Editor-in-Chief Ronda is an attorney, writer, and entrepreneur. She is a contributing writer for the Huffington Post. Originally from Chicago, she has lived in Los Angeles and New York. She loves to travel and is passionate about education equity, especially for first generation college students.

When women lead businesses thrive

Posted onApril 1, 2023April 1, 2023AuthorRonda Lee

As Women’s History Month comes to a close, Nasdaq had women leaders at Monday’s closing bell. With only 10% of Fortune 500 companies led by women, the symbolism of having some of the most innovative women at the intersection of finance, funding, and founding at Read More …

CategoriesBusiness, Entrepreneurship, Feature, Women

Tax policies have disparate racial impact

Posted onApril 1, 2023April 1, 2023AuthorRonda Lee

Tax breaks and tax enforcement are not agnostic when it comes to race, according to a pair of recent studies. White taxpayers disproportionately benefit from five studied tax breaks versus Black Americans, in many cases when adjusting for income, according to a Treasury study from the Read More …

CategoriesFeature, Personal Finance, Race, Taxes

Student Loans: Resources for borrowers

Posted onMarch 7, 2023March 19, 2023AuthorRonda Lee

President Biden’s up to $20,000 in student loan forgiveness is on hold as the Supreme Court deliberates. As a result, the federal forbearance pause has been extended until June 30. If litigation has not been resolved by then, payments will begin 60 days after that. Read More …

CategoriesPersonal Finance, Student Loans

Student Loans: Borrowers in default

Posted onMarch 5, 2023March 19, 2023AuthorRonda Lee

Around  7.5 million borrowers were in default before the COVID-19 pandemic and more than 50% of all student loan defaults were borrowers who attended for-profit schools. Once the federal forbearance pause is lifted, on June 30, 2023, the average borrower will experience a 17% jump Read More …

CategoriesPersonal Finance, Student Loans

Student Loans: One-time IDR payment adjustment

Posted onMarch 5, 2023March 7, 2023AuthorRonda Lee

Income-driven repayment (IDR) plans were considered a fix to a broken student loan system, offering borrowers monthly payments based income, unlike standard payment plans. An additional benefit of IDR plans was that after 20-25 years of repayments, the remaining balance would be discharged.  However, over Read More …

CategoriesFeature, Personal Finance, Student Loans

Student Loans: Income-driven repayment plans

Posted onMarch 5, 2023April 1, 2023AuthorRonda Lee

Income-driven repayment (IDR) plans base monthly payments on the borrower’s income, unlike standard payment plans. An additional benefit of IDR plans is that after 20-25 years of repayments, the remaining balance is discharged.  Payments borrowers made on loans while in Chapter 13 bankruptcy or through Read More …

CategoriesPersonal Finance, Student Loans

Student Loans: Public Service Loan Forgiveness

Posted onMarch 5, 2023March 5, 2023AuthorRonda Lee

Borrowers who have been in repayment for at least 10 years and work in public service jobs with federal, state, local, or certain non-profit organizations are eligible for loan forgiveness through the Public Service Loan Forgiveness (PSLF) program.  PSLF was started in 2007 as an Read More …

CategoriesPersonal Finance, Student Loans

Student Loans: Discharge, Forgiveness, Cancellation

Posted onMarch 5, 2023March 7, 2023AuthorRonda Lee

Although used interchangeably, loan discharge, forgiveness, and cancellation have different relief for borrowers.  Loan discharge happens after being in repayment or an event occurs, like the death of the borrower. There are several types of loan discharge, like income-driven repayment (IDR), disability discharge, closed school Read More …

CategoriesPersonal Finance, Student Loans

Student Loans: For-profit schools

Posted onMarch 5, 2023April 1, 2023AuthorRonda Lee

More than 70% of for-profit students borrow federal loans and  account for 50% of all student loan defaults.  Students who attend for-profit colleges are three times more likely to default on student loans, and six times less likely to receive employment after enrollment, according to Read More …

CategoriesPersonal Finance, Student Loans

Student Loans: Federal vs Private Loans

Posted onMarch 5, 2023March 19, 2023AuthorRonda Lee

Student loan debt is considered “good debt,” but it is also the cause for an over $1.7 trillion student loan debt crisis. Student loan debt consists of private loans and federal loans.  Over 40 million borrowers have federal student loans totaling around $1.6 trillion in Read More …

CategoriesPersonal Finance, Student Loans

Student Loans: The Basics

Posted onMarch 5, 2023April 1, 2023AuthorRonda Lee

Any discussion about student loans, should begin with a basic knowledge of: Federal vs. Private Student Loans Student loan debt consists of private loans and federal loans.  Private student loan debt accounts for 7.61% of all student debt and totals $131.1 billion. Private student loan Read More …

CategoriesPersonal Finance, Student Loans

Black Americans largely missed out on pandemic housing blessings

Posted onDecember 17, 2022December 17, 2022AuthorRonda Lee

  For Mel Ligon and his wife, remnants of the 2008 housing crisis kept them from realizing major savings from refinancing their Chicago home during the pandemic refi boom. They had a deferred principal placed on their home during the Great Recession when they used Read More …

CategoriesHousing, Personal Finance

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