SUDOKU BREAK Solution on pg. 4
Student Debt Solutions Take Advantage of Our Special Offer to Help You Relieve Your Student Debt America has always been the land of opportunity, and nothing is more opportunistic than higher education. Unfortunately, skyrocketing costs of tuition have left more than 44 million Americans strapped with student loan debt, according to a Forbes report. This same report found that student loan debt is now a $1.5 trillion crisis — and it’s only getting worse. According to CNN Money, the class of 2016 has an average debt of $37,172, and for the class of 2018, that number had jumped to $50,390. It is not difficult to see why so many people struggle to pay back their loans. Furthermore, Americans have limited options when it comes to mitigating crushing student loan debt. For example, student loans are difficult to discharge with bankruptcy. The standards set by the court force the debtor to prove an “undue hardship” with serious long-term health concerns or permanent disability to have their loans relieved. At Phyllis Law, we have 12 years of experience helping people with their student loan debt, and this month, we’re hoping to make finding relief even easier . Through Feb. 28, we are offering a special $150 strategy session to help you find a solution to your student loan debt. Our experienced legal experts can negotiate on your behalf for a reasonable repayment plan. Usually, if you are paying something, you can keep the creditors at bay; ignoring the debt is the worst option. There are alternatives to bankruptcy for those looking for relief from their student loans. The Public Service Loan Forgiveness helps debtors if they work full time in a local, state, or federal public service job or at a 501(c)(3) nonprofit organization. The debtor is required to make 10 years of income-based payments before the remaining debt is forgiven. Another option is Teacher Loan Forgiveness, which is available to debtors who agree to teach in a low-income school for at least five years. This program is not available on Parent PLUS loans. To set their children up for debt payment success, parents should research and discuss cost-effective options for their children’s college education. Students should also consider a more cost-effective education like state schools and
Bistecca Alla Fiorentina
Inspired by Saveur magazine
For a sinfully delicious Valentine’s Day dinner, turn to this classic Italian steak preparation. It’s simply flavored with rosemary and lemon, allowing the meat to take center stage.
Ingredients
• • •
2 bone-in porterhouse steaks
1/4 cup olive oil 2 sprigs rosemary
• Kosher salt and fresh ground black pepper, to taste • Lemon wedges, for serving
Directions
local community colleges and not rule out working while in school. Scholarships are also a tremendous opportunity for students. If you are struggling with this issue, or know someone who is, please call 404.514.3397 to schedule a consultation. Our $150 special will end on Feb. 28, so don’t miss out on this opportunity .
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30 minutes before cooking, remove steaks from fridge to bring them to room temperature.
2. Heat a grill or large cast-iron skillet to high. While heating, brush steaks with half the oil and season liberally with salt and pepper. 3. Place steaks on the hottest part of the grill or pan and cook for 5 minutes. 4. Flip steaks and baste with remaining oil, using rosemary sprigs as a brush. If cooking in a pan, place sprigs next to steaks after basting. 5. Cook for 5–6 minutes for medium-rare. 6. Let steaks sit for at least 5 minutes, slice against the grain, and serve with bone.
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