Output:
Trump’s education order dismantling the Dept. of Education sparks concern for Black students & equitable access. Legal challenges and funding cuts threaten vital programs.

Trump's Education Cuts: Black Students at Risk?

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This podcast discusses a First-Tier Tribunal Tax Chamber decision concerning an appeal by Gary Quillan against a tax assessment related to an overdrawn director's loan from his company, BOH Investments Limited, which entered voluntary winding up. The core issue was whether the outstanding loan balance was either legally released or written off by the liquidator during the 2018-19 tax year, triggering an income tax charge under Section 415 of the Income Tax (Trading and Other Income) Act 2005. The Tribunal heard arguments from Mr. Quillan, representing himself, and a litigator from HM Revenue and Customs. Ultimately, the Tribunal found that the loan was neither formally released nor definitively written off by the liquidator, and consequently allowed Mr. Quillan's appeal, concluding there was no basis for the tax assessment.

Gary Quillan v HMRC [2025] UKFTT 421 (TC)

Details on the 2025 federal student loan wage garnishment restart via the Treasury Offset Program, collection dates, and repayment options for defaulted debt.

Alarming Student Loan Wage Garnishment 2025 Protect Now

Prevent foreclosure with mortgage relief & loan modifications focused on income, combating predatory lending & systemic barriers for Black founders.

Vital Help Black Homeowners Stop Foreclosure

This month, the federal government began taking action against student loan borrowers with accounts in default. In this episode of Making Cents of Money, learn what that means for borrowers and what options might be available.


Show Notes:

Cunningham, M. (2025, May 5). Student loan collections resume as record number of borrowers fall behind. CBS News. https://www.cbsnews.com/news/defaulted-loans-restart-collection-delinquency-may-5/
 
Dunbar, M. (2025, May 6). US student loan collections resume: Here's what you need to know. The Guardian. https://www.theguardian.com/us-news/2025/may/06/us-student-loan-collections-explainer
 
Federal Student Aid. (n.d.). Rehabilitated loan. U.S. Department of Education. https://studentaid.gov/help-center/answers/article/loan-rehabilitation
 
Federal Student Aid. (n.d.). What is the difference between student loan delinquency and default? U.S. Department of Education. https://studentaid.gov/help-center/answers/article/what-is-difference-between-loan-delinquency-and-default
 
Hanson, M. (2025, March 16). Student loan debt statistics [2025]. Education Data Initiative. https://educationdata.org/student-loan-debt-statistics
 
Kim, J. (2024, September 30). Deadline for Fresh Start defaulted student loans program gets extended. NPR. https://www.npr.org/2024/09/30/nx-s1-5133296/student-loan-default-fresh-start-explainer
 
Prater, N. (2025, May 6). Trump administration gets aggressive on student-debt collection. New York Magazine. https://nymag.com/intelligencer/article/trump-admin-gets-aggressive-on-student-debt-collection.html
 
Reyes, Y., & Lalljee, J. (2025, May 7). What Floridians should know as student loan penalty pause ends. Axios Tampa Bay. https://www.axios.com/local/tampa-bay/2025/05/07/floridian-student-loan-penalty-pause-ends
 
Student Loan Borrower Assistance. (2024, September 20). Fresh Start ends Sept. 30: What borrowers need to know. https://studentloanborrowerassistance.org/fresh-start-ends-sept-30-what-borrowers-need-to-know/
 
TransUnion. (2025, May 5). As federal collections activity resumes, more than one in five student loan borrowers are 90+ days delinquent. https://newsroom.transunion.com/may-2025-student-loan-update/
 
U.S. Department of Education. (2025, April 21). U.S. Department of Education to begin federal student loan collections and other actions to help borrowers get back into repayment. https://www.ed.gov/about/news/press-release/us-department-of-education-begin-federal-student-loan-collections-other-actions-help-borrowers-get-back-repayment


Episode 110: Federal Student Loan Updates

Discover how to tap into your home’s hidden value! In this episode, we break down how home equity loans work and how they can open doors to financial growth, from renovations to debt consolidation. Tune in to make smart money moves!

Unlocking Financial Opportunities with Home Equity Loans

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Discover how an FHA home loan in Texas can help you buy your first home with a low down payment, flexible credit requirements, and expert tips for a smooth approval process.

FHA Home Loan Texas: Your Key to First-Time Homeownership

If you have a loan, then the latest episode of Making Cents of Money is for you! Learn how loan servicers play a key role in borrowers’ financial lives and more!


Show Notes:

Government and Agency Reports:
•	Consumer Financial Protection Bureau. (2024, Apr 3). What happens if my loan servicer changes? Retrieved from https://www.consumerfinance.gov/ask-cfpb/what-happens-if-the-company-that-i-send-my-mortgage-payments-to-changes-en-215/ 
•	U.S. Department of Education. (2023). Loan servicing information. Retrieved from https://studentaid.gov

Laws and Regulations:
•	Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. §§ 2601-2617.
•	Consumer Financial Protection Bureau. (n.d.). Real Estate Settlement Procedures Act (RESPA). Retrieved from https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/real-estate-settlement-procedures-act/
•	Truth in Lending Act (TILA), 15 U.S.C. §§ 1601-1667f.
•	Consumer Financial Protection Bureau. (n.d.). 12 CFR Part 1026 – Truth in Lending (Regulation Z). Retrieved from https://www.consumerfinance.gov/rules-policy/regulations/1026/

Web Resources:
•	Federal Trade Commission. (n.d.). Your rights when paying your mortgage. Retrieved from https://consumer.ftc.gov/articles/your-rights-when-paying-your-mortgage
•	Federal Housing Finance Agency. (n.d.). About Fannie Mae & Freddie Mac. Retrieved from https://www.fhfa.gov/about/fannie-mae-freddie-mac

Student Loans:
•	Federal Student Aid. (n.d.). Who’s my student loan servicer? Retrieved from https://studentaid.gov/manage-loans/repayment/servicers 
•	University of Illinois System Student Money Management Center (n.d.). Student loans. Retrieved from https://www.studentmoney.uillinois.edu/learn/studentloans 
•	Student Loan Management #GetSavvy webinar recording on YouTube: https://youtu.be/_9duc7kvTqg?feature=shared 


Episode 114: The Role of Loan Servicers

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Join Jacob as he unpacks Paul's diverse directives on living in a messy world in Romans 13. What does God have to say about authority, government, and even loans?

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