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Meet a Teacher Who Got $44k in Debt Canceled

257


  • Lisa Ansell got $44,000 of student debt forgiven thanks to recent reforms to a federal program.
  • For years, her payments toward loan forgiveness while working as a teacher were deemed ineligible.
  • Her student debt is gone, but she’s not declaring victory until 45 million Americans get the same relief.

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Lisa Ansell woke up on November 11 free of a burden she’d carried for 15 years: her remaining student loan balance of $44,000 had been forgiven.

For more than a decade, she’d been diligently making monthly payments that should’ve counted toward a federal program called Public Service Loan Forgiveness (PSLF). Established in 2007, the program is meant to forgive student debt for public servants like firefighters, police, or nonprofit workers after they’ve made 10 years of qualifying monthly payments.

Ansell, who lectures at the University of Southern California in Los Angeles, graduated from Harvard in 2003 with a masters degree and was part of the first group of borrowers eligible for forgiveness in 2017. But the program has revealed itself to be riddled with flaws. It ran up a 98% denial rate, and Ansell was one of those disappointed borrowers.

Now, following recent Education Department reforms to the program, she said she has “a new lease on life.”

“I thought it was more empty promises and more empty words,” Ansell told Insider. “But I happened to check my balance and when I saw my debt was gone, I took a screenshot as evidence right away in case they tried to pull it back.”

In October, the Education Department announced a series of reforms to PSLF — something President Joe Biden promised he would fix during his campaign — which included a temporary waiver to allow past payments in other programs to count toward forgiveness.

That’s just what Ansell needed. Her 96 payments — previously deemed ineligible because they were on the wrong repayment plan, according to documents reviewed by Insider — were finally counted.

“It’s like winning the lottery,” Ansell said. “I’ve had a very painful PSLF saga and after a while you just become numb to the cuts.”

Ansell no longer has to live every day with the burden of debt on her shoulders, but her fight for the 45 million other Americans with student loans isn’t over.

‘I’m just a sliver of the totality of borrowers drowning in crippling student debt’

Ansell started with a student-debt load of $55,000 and consistently made monthly payments that FedLoan Servicing, the student-loan company that manages PSLF, deemed ineligible. Ansell said it was “mission impossible” trying to get help from someone at the company who could put her on the right path to forgiveness. She was told that if she wanted to qualify for PSLF, all of her past payments would not be counted and she would have to start over.

While Biden’s recent reforms worked in her favor, they haven’t for everyone.

In addition to her day job at USC, Ansell is also involved with Student Loan Justice, an organization that fights to protect student-loan borrowers across the country. 

“I’m just a sliver of the totality of borrowers drowning in crippling student debt,” Ansell said. “I happen to have been fortunate enough in that of the millions of applications, somehow mine managed to land in the yes file.”

Lisa Ansell

Lisa Ansell got her remaining $44,000 student debt balance forgiven through a loan forgiveness program for public servants.

Lisa Ansell


Along with broad student-debt cancellation, Ansell said she wants to see the restoration of bankruptcy protections — something Student Loan Justice has long been advocating for.

As Insider previously reported, borrowers who want to get rid of their debt through bankruptcy must prove “undue hardship,” which is a difficult standard to prove. Filing a lawsuit against a student-loan company can also be expensive and lengthy. The company usually has more resources than the borrower, lowering the borrower’s chances of succeeding.

A bipartisan bill, introduced by Senate Majority Whip Dick Durbin and Sen. John Cornyn of Texas, would allow borrowers to seek a bankruptcy discharge of their federal student loans after 10 years, which Ansell called “the best piece of legislation so far that we’ve seen.”

The PSLF reforms are still in early stages. Insider recently spoke to a therapist and a veteran who are both banking on the reforms to give them the overdue relief they deserve. Beyond PSLF, Biden has taken steps to cancel student debt and reform programs for other groups of borrowers, like those defrauded by for-profit schools.

Still, when it comes to broad student-debt cancellation, Biden’s administration has been largely silent on if, or when, that relief will ever come, and Ansell said she will not stop fighting until it does.

“The way Biden handles the student debt crisis will determine his legacy,” Ansell said. “This struggle isn’t over until it’s over for 45 million Americans.”

Do you have a story to share about student debt? Reach out to Ayelet Sheffey at asheffey@insider.com.





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    The third fake urine brand of choice is Quick Fix. It’s the budget option, but still decent. The small size costs just $30 and Quick Fix “plus” costs just $10 more. Don’t be fooled by the plus bit, it’s exactly the same fake urine, you just get more of it.
    Quick Fix is premixed. It’s also good enough to contain the basics of urea, uric acid, and creatinine. It’s balanced, and it sort of looks like urine. For the price, it’s good.
    The downside is it uses heatpad. It’s a good one, but it does mean that the temperature it’s kicking out is going to be slightly variable. It’s essential that you check the temperature just before you go to submit your sample and alter it if necessary (hot water in a flask is ideal for this).
    But, if you don’t care that much about the drug test, or there’s nothing else available, then Quick Fix is the best budget fake urine brand out there and it definitely does not contain biocide preservatives.
    3. How To Prepare For A Drug Test
     If you’re in real trouble and facing a drug test in 24 hours, say tomorrow, and you live in a big city, then you could grab some Quick Fix.
    Quick Fix is available in quite a few smoke shops and alternative shops in cities in America. Just check it’s fresh stock because they don’t sell very many and it can go out of date and go off.
    My advice though is to invest in a box of Sub Solution or Quick Luck right now. Get them in stock and then you will never have to worry. The same applies to all detox products, passing a drug test in 24 hours is not that difficult, but you need to be prepared.
    4. Instructions For Passing A Test Using Fake Urine
    If you are facing a urine drug test and you need to submit a fake sample, it’s pretty easy to do. Just don’t panic, and make sure you’re prepared.
    If you need to use a heatpad, heat your sample in the microwave to give it a head start. Strap the heatpad to it, and then tuck the sample in your crotch under your underwear. That keeps it snug and it keeps it closer to body temperature.
    Also, you can’t be intimately searched. So putting the sample there and wearing baggy jogging bottoms means less chance of detection.
    If you’re using Quick Fix then you’ll have to check the temperature before you enter the building. If it has cooled then use hot water from a flask to lift the temperature sample.
    If you’re using Sub Solution or Quick Luck, it’s simply a case of tapping in enough heat activator powder to get the sample as close to 100°F as possible without going over.
    Strategy #2 Drug Detox Drinks: Best Way To Clean Out Your System Temporary
    If you’re facing a supervised drug test, where somebody will be observing you, or you just don’t have the guts to smuggle a sample in, then drug detox drinks are the only real alternative for a urine drug test.
    A detox drink does the following when you drink it (as long as it’s good quality):
    Flushes out the toxins in your body
    Accelerates and removes more toxins than water alone
    Floods the body with things found in urine so they appear in it
    Floods the body with things that can color your urine more naturally
    A detox drink is merely a masking agent. In working, it creates a gap in the toxin flows into the bladder. It pushes them out at an accelerated rate, creating a gap of a few hours during which you can submit a clean sample. So don’t think that it’s the best detox for a drug test it’s just a temporary solution. The fastest way to clean your system is doing natural detox combined with detox pills, but since it’s not possible in 24 hours, we didn’t mention it in the article.
    1. Instructions For Using A Detox Drink
    These are the instructions you need to follow for using a cleansing drink:
    You’ll need to try and do a 24-hour drug detox before the day of your test if possible, preferably longer. If it’s really short notice though, you’ll have to just hope the detox drink has the potency to create a gap in your toxin flow and keep your urine natural.
    Drink the contents of the bottle for about 10 minutes. Refill it with water and drink that if instructed to.
    Over the next hour urinate at least three times, preferably more. This will ensure the bladder is empty and toxins are all removed.
    Detox drink makers claim will have up to 5 hours clean, but if you are someone who is regularly taking drugs and you could have a high level of toxins in your body, say you are taking methamphetamine frequently, then it could be two or three hours.
    2. These Are The Top Two Best Detox Drinks To Use
    Mega Clean is one of the best detox drinks out there. On its own though, it’s not the most potent. As a plan B, you can grab it from somewhere like Walmart or Walgreens for a short-notice drug test. It could work.
    But it’s best bought from Test Clear. You’ll get six pre-rid pills bundled in, which is enough for a 24-hour potent detox. Obviously, you’ll need those 24 hours before the day of your test though.
    The best detox drink on its own is Rescue Cleanse. You don’t need to drink additional water, and it’s definitely got the best formula. I passed a drug test using this. You should still do the 24-hour detox if possible though, especially if you’ve got high levels of toxins in your body. It’s not available in smoke shops, click here to buy it online.
    Strategy #3: Passing A Saliva Drug Test
    Mouth swab drug testing is becoming more common. It’s cheap and anyone can administer it. Even police on the roadside, on the spot at work, so it is insidious and dangerous. But thankfully, it’s quite easy to pass a saliva drug test if you know how and you have the tools in stock.

    1. Passing An Oral Drug Test Naturally
    If you’ve got low levels of toxins in your body, say you smoke a couple of joints at the start of the week and you only do that infrequently, then it could be enough to just brush your teeth several times, use plenty of mouthwash, and chew gum.
    That, drinking plenty of water, urinating, exercising, and generally churning the saliva through your mouth and out of your body, will mean that you test negative more quickly.
    2. Use Toxin Flushing Mouthwash
    If you got high levels of toxins in your body, then a toxin-neutralizing mouthwash could be the way forward for you. They only cost about $30. Ultra Klean and Toxin Wash are two of the best brands.
    Wash out your mouth with half the liquid, spit it out, and then repeat the process with the other. You’ll be clean in about 60 seconds. The effects will last for 15 minutes. On the downside though, you can’t really swallow that much liquid, and you’ll have a bottle to dispose of. So not ideal for on-the-side-of-the-road drug testing, or on-the-spot at work testing.
    3. Best Strategy: Oral Clear Gum
    The best strategy for passing an oral drug test at short notice is definitely to use Oral Clear gum. It’s not actually gummed at all. It’s a capsule of very concentrated mouthwash. It’s incredibly discreet because of this.
    You can even use it with someone in front of you. Cup the capsule in the palm of your hand and cough. Place your hand over your mouth, and push it in. Then, while pretending to still cough a bit, pop the capsule and move the liquid around in your mouth for about 30 seconds.
    If they ask you what you are doing, you can say were choking on a piece of gum. Then swallow, and there’s no evidence you have used it.
    Oral Clear isn’t cheap. It costs $90 for a single capsule. But it’s incredibly potent, discreet, and the absolute best way to pass.
    Strategy #4 Passing A Hair Follicle Drug Test
    The bad news is that if you are facing a hair drug test at short notice then there is no way out of it. You simply cannot pass a hair drug test in 24 hours. However, with a few days notice it is possible to flush out the toxins in your hair.
    Why The Hair Follicle Drug Test Is So Dangerous
    Hair drug testing is very dangerous because drug toxins get trapped inside the hair shaft. When you take drugs, they move around your bloodstream and get stuck in the hair follicle. When it grows, they get trapped in the hair shaft and form an indelible record of your drug use.
    The sample they take is from the scalp at the follicle and then cut so that it represents 90 days of growth. Legally, they can only test your previous 90 days' hair growth. So if you haven’t taken anything in the past 90 days, then you should be okay.
    The problem is that to get rid of the drug metabolites in your hair, you have to somehow open up the hard cuticle layer (microscopic scales that overlap to protect the inner hair shaft) and flush out the toxins without destroying the hair.
    This Is The Only Method That Will Pass A Hair Drug Test
    The only method that will pass a hair drug test is called the Macujo method.
    It uses Aloe toxin rid shampoo alongside household ingredients to chemically work together to open up the cuticle layer and flush out the toxins. It then conditions the hair and ensures it isn’t damaged.
    The problem is it takes several runs through this method to get rid of all the toxins. Once per day for seven days is ideal. If you’ve got three days, then twice per day will still give you six times and a great chance of passing.
    With light levels of toxin exposure, even twice per day for two days leading up to a test could be enough. But it gets progressively more of a gamble.
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