Digital Social Hour - Trump's Secret Weapon to Fix the Student Loan Disaster? | Mary Lyn Hammer DSH #1051

Episode Date: January 3, 2025

🎓 Discover Trump's potential strategy to tackle the student loan crisis with Mary Lyn Hammer, the country's first default manager who helped write education laws since 1988! In this explosive interview, she reveals shocking truths about the student loan system and shares insider knowledge about upcoming changes that could affect millions of borrowers.   Learn why student loan forgiveness promises may have been misleading, and get the real story behind what's happening with loan payments in 2024. Mary Lyn shares her expertise from working with Trump's transition team and explains why the Department of Education's recent actions matter to every student loan borrower.   But that's not all - this powerful conversation also uncovers the truth about Lyme disease's government origins, the education system's hidden problems, and innovative solutions for America's learning crisis. From Ivy League remedial education rates to the truth about standardized testing, this interview exposes the deep-rooted issues in our education system.   Watch now to learn about the upcoming changes to student loan policies and what it means for you. Mary Lyn's unique insights as a federal negotiator and education expert reveal what's really happening behind the scenes in Washington. 🏛️   #StudentLoans #TrumpPolicy #EducationReform #StudentDebt #HigherEducation   #lymediseaseawareness #holistichealth #pharmaceuticalfacts #alternativemedicine #medication   CHAPTERS: 00:00 - Intro 00:27 - Mary Lyn’s Near-Death Experience 05:55 - Government Role Lyme Disease Epidemic 10:25 - Mary Lyn’s Energetic Device 12:56 - Education Insights 14:57 - Student Loan Program Overview 22:01 - On-Ramp Program Explained 22:38 - Mary Lyn’s Top Priority 25:03 - Find Mary Lyn Online   APPLY TO BE ON THE PODCAST: https://www.digitalsocialhour.com/application BUSINESS INQUIRIES/SPONSORS: [e-mail]   GUEST: Mary Lyn Hammer https://twitter.com/marylynhammer https://www.marylynhammer.com/   LISTEN ON: Apple Podcasts: https://podcasts.apple.com/us/podcast/digital-social-hour/id1676846015 Spotify: https://open.spotify.com/show/5Jn7LXarRlI8Hc0GtTn759 Sean Kelly Instagram: https://www.instagram.com/seanmikekelly/

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BED-MGM operates pursuant to an operating agreement with iGaming Ontario. With Lyme disease, it was the fastest growing epidemic in six continents before COVID. And the origination of it was from a federal laboratory in Lyme, Connecticut. See, I've heard of that, how it was made in a factory, but then he'll just call you a conspiracy theorist if you say that. All right, guys, here with Mary Lynn, we are at AmericaFest. You ready to get this thing going? I am.

You got quite a story, so I don't even know where to start, but we got two books here. First one is Over My Dead Body. Look at the cover of this one. So a little out of body experience it looks like. Yeah, several. So I had Lyme disease and I had an IV port for the treatments and I got a blood infection from the IV court.

Wow. And it had a 3% survival rate. So I'm very blessed to be here. Yeah. So the doctor said that to you, you have a 3% chance? Well, I did everything they told me I did research on. Yeah. Because my daughter and I both had Lyme disease. She was born with it.

And so they would, they would tell me something and I'd go research it. Just my personality. And, um, with this blood infection, it truly was an act of God that I'm here on several levels. There was no testing facility for it in the United States. And one of my therapists said, at one point she said, you have the same patterns as this woman who passed away, but I'm still in touch with her husband. And so when I was lying in bed and it, and I had turned gray, my hair fell out.

Wow. And how old were you? Um, I don't have to calculate that. I was in my early forties, early 40s. Wow. Yeah. I don't have to calculate that. I was in my early 40s. Early 40s, wow.

Yeah. And, um, so I was just praying that I wouldn't die. And my daughter was only six at the time. And so I, I called her and I said, would you please call this man and see if you can get the name of the infection? Cause they just kept putting me on different antibiotics and nothing was working. And so she called him and he was in Florida, he's the CEO of a big company, and he said I'll be back on Friday and this was a Tuesday and

she said I don't think she'll live that long. Whoa. And he called his son and the son went over to the house, pulled the mom's medical records and gave us the name of the infection and they got me on the right antibiotic and that turned that turned me around and from that point it was about six weeks before I could walk across a room that's how weak I was and and then we I mean I proved quite bit. And the second thing that happened that was really, you know, God just giving messages, is over Christmas, this was in September when I almost died.

And over Christmas, I decided we needed to do a Greens First cleanse and get rid of all the toxins from the antibiotics that we'd been on for three years. And so my daughter and I both started the detox and we both got severely sick. Whoa. And the doctor said, your blood infection is back. And I totally freaked out. And so he was on the phone with the pharmacist trying to figure out what to put me on. And I was reading the research on his computer and it said it had a biofilm. And I was reading the research on his computer and it said it had a biofilm.

And I had done quite a bit of research at that time about biofilm. It's a fibrin-fibrinogen material and they had actually pulled it out of my IV port when they were doing a blood draw, right before they did emergency surgery to take the port out. And they said it was a fibrin material and biofilm is a

fibrin, fibrinogen material. The pathogens created themselves to hide in. So when you're on antibiotics it's hiding in this biofilm and all chronic illnesses have this. So it's hiding in the biofilm and then when the antibiotics go away, it comes back out. Wow, so antibiotics can kill them when they're in the biofilm? Correct. Interesting. Yeah. And so it was dissolving the biofilm.

We figured out it was the enzymes and we did an enzyme protocol at the same time we did antibiotic protocol on both my daughter and I. And the Lyme was gone within six weeks. Wow. And the blood infection took a little longer because I was very, very sick. But that was the final piece of it. There's other pieces. Yeah.

However, that was the final piece of it. What a story, because I remember growing up and Lyme disease. They said it was incurable, right? Like you couldn't recover once you got it. That's what most people think me to this day. That's what most people think right and You know when I was when I was dying Looking for the ultimate online casino experience step into the bet MGM casino app where every deal spin and goal brings Las Vegas Excitement into the palm of your hand take your seat Premium Blackjack Pro, where strategy meets top-tier gameplay. Hit the ice with Gretzky Goal Lucky Tap, inspired by the great one himself, or play the dazzling MGM Grand Emerald Nights, a slot experience that captures the magic of MGM.

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back all season long. From puck drop to the final shot, you're always taken care of with a sportsbook born in Vegas. That's a feeling you can only get with BetMGM. And no matter your team, your favorite skater, or your style, there's something every NHL fan is going to love about BetMGM. Download the app today and discover why BetMGM is your hockey home for the season. Raise your game to the next level this year with BetMGM, a sportsbook worth a celly and an official sports betting partner of the National Hockey League. BetMGM.com for terms and conditions.

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oh, you're here to take me into the light. And he said, no, I'm here to tell you it's not your time yet. You're going back. And I crossed over several times, but he was there. And we would talk and, you know, we'd talk about my daughter and my purpose for being here. And then I came back. Wow. I really do believe we all have a purpose in this life, you know.

And you're living your life right now. It's beautiful with the books you publish and now all the policies you're about to get through. Thank you. What a journey. Yeah, it's very exciting. And I just want to help as many people as possible. With Lyme disease, it was the fastest growing epidemic in six continents before COVID. So it was by far the most expansive disease that we had prior to COVID and the

origination of it was from a federal laboratory in Lyme, Connecticut. See, I've heard of that, how it was made in a factory. But then it would just call you a conspiracy theorist if you say that. Well, they tried to bury it for a long time. So this federal laboratory, like I said, it's in Lyme, Connecticut, which is where the disease came from. It was the first documented cases of people in the United States where it's the children playing in the forest around this laboratory. Wow. And literally today pretty much everybody that lives there has Lyme disease. Dang. Yeah, it's very prevalent.

And so the original bacterium was discovered in the early 1800s and, you know, it was just like a discovered in the early 1800s and it was just like a bacteria like any other bacteria. And they took it, now it mutates into 14 different life forms that we know of. It replicates very quickly in certain life forms of that. And they were injecting it into ticks and the ticks got out. Interesting. And so, and then the ticks went to, you know, the deer is where, that they're like the carrier. And so the government was trying to cover that up. And like the year I was diagnosed, I was diagnosed in October of 2006.

So it took six and a half years to diagnose me. And a report came out from the NIH that you're saying latent chronic Lyme don't exist. And that was the same month that I was diagnosed. And then the Connecticut Attorney General went after the NIH, he sued them and won. Because that report was written by doctors who had never treated later chronic Lyme disease. They knew nothing about it.

Right. The report was re-released right before the Healthcare Act was passed, a little more than a decade ago, I believe so that the insurance companies didn't have to cover it. Wow. And then lo and behold, this year the CDC redefined what a diagnosis is for Lyme disease

and the case is immediately shot up by 70%. And I thought, okay, they've spent decades because Lyme originated in the 80s, 1970s. They've literally spent decades covering it up and then all of a sudden they're promoting it. And I was like, what is happening right now? So I'm a researcher. So I dug in and I found out that they're getting ready to release the vaccine for Lyme. So they're going to start making our kids get it, right? For Lyme? Yes. So they're going to start making our kids get it, right? Yes.

And Lyme is like, it's the same reason why the vaccines don't work for viruses. Lyme mutates. Viruses mutate. So if they don't develop it the way in which it mutates, it's not going to work. And that's why it's very, very seldom that a flu vaccine will ever work. Any kind of virus, they all mutate. And Lyme mutates. So unless whatever the vaccine is at the moment is in the same form that the infection is

in, which could be parasitic, you know, there's 14 different life forms. So if it's not the right form, it's not going to do anything except put the pathogens in the bot. Crazy. And the reason why they have held back on the vaccine is because there's no studies that have been done to date for people who get vaccinated if they already have Lyme disease. And it's so misdiagnosed and underdiagnosed that that's a real risk. And so it's been pulled back.

But that's why all of a sudden there's all this action around Lyme disease. We'll add that to the 78 vaccines they're giving kids right now. Yeah, it's crazy. There'll be another few right there. Yeah. That's nuts.

Oh my gosh. Yeah, I'm glad it's finally being brought to light though. They hit it for decades. Wow, that's impressive. Yeah. That's nuts. Oh my gosh. Yeah, I'm glad it's finally being brought to light though. They hit it for decades. Wow. That's impressive. Yeah. That's so impressive. And in fact, when COVID hit, and I use an energetic device also.

Yeah. Could you explain what was on that? Because I'm wearing one of your bracelets right now. So the energetic design, if you look at diseases and pathogens and people, like everything on earth has its own energetic signature. So if you compare that to like a cell phone and I can put somebody in my device and they have their own unique signature, I can do a scan on them, I can treat them, I can do all kinds of things remotely, because it's like dialing up a phone number. So on this device, I can do like diagnosis type things.

It literally tests everything in your body. It scans everything in your body, so there's no guesswork. You know, like the doctors say, well, you know, that's why they call it practicing medicine because they're literally just practicing. They, you know, well, let's throw this at the wall and see if it sticks. And this actually looks at everything. So then I find patterns and treat the patterns. And I can prioritize that way. I can tell what's the worst infection that we want to begin with. And then you can do the treatments on there too, because the treatments all have an energetic signature.

Right, you were describing a story in the earlier how you gave one of these braces to someone who had ADHD, right, and they immediately that night did all their homework. Yes, yeah, and he was in the third grade. It was the first time in his life that he finished his homework without getting up from the table.

And within a week, he was caught up on all of his homework and he stopped getting in trouble at school. And I have, you know, big wigs. Do you know who Jay Abraham is? I do. Jay wears my bracelets. Really? Yeah.

Wow. That's impressive. That's a big person. Well, when I first had him him I only had the kids bracelets and so I had a meeting with Jay and he you know is telling him about it and he said well it worked for me and I gave him a couple I said just put him in your pocket could you know kids bracelets and he called later he said how long do these last and I said well that you know you wash them every couple weeks and put them in the Sun to recharge them but the programs on there

will get recharged as well. I love it. So he's like, I have this big meeting to go to, so I'm going to wear them. So I met with them last week again and I gave them an adult bracelet. Let's go. Well, this is a good segue into the education part. You know, every teacher should be wearing these, but I'd love to learn more about what you're doing on the education front too, cause you're doing some big things there.

Yeah. Um, so I was the first default manager in the history of the country, and that was right after Graham Redmond passed in the 1980s, where that was a balanced budget act passed by Reagan. And it was also the first time that they had a national computer system. So they confiscated tax refunds for people who had defaulted on their student loans. And then all of a sudden they went, oh my gosh, look at how much money there is if we actually get the money from the student loans. And so they made it a priority to actually start collecting on student loans. And I was the first full-time default manager in the country. Wow.

And I came out of a banking background and I was young, you know, I did, I, I was very passionate about helping the kids. Um, there was fraud and abuse going on at the time. And I ended up turning evidence and testifying for the department of ed and doing these hearings all over the country. But I was so young and you know, cause my, my boss kept saying you're meant for greater things and you're going to go on. And I was like, okay, well happy hours starting right now, you know,

cause I was like 26. You got thrown straight in the fire pit. Yeah. I didn't really realize what was happening, but he ended up being my greatest supporter and allowed me to copyright my program in my own name. I worked with the Department of Education and I wrote the first regulatory language, the entire section of Appendix D, which was mandatory for high default rate schools from 1989 to 1996.

And I helped write all of the laws about it. I've been a federal negotiator many times, and I've worked on every higher education amendment act since 1988. And we have a lot of work to do. And we have a lot of work to do. So, the last time Trump was in office, I worked with his transition team. I had just turned evidence against the department of education for manipulating data and press releases to drive an agenda to put for-profit schools out of business. And so I turned evidence.

I worked with the House and Senate Education Committee Chairman. I worked with Jason Chaffetz, who was the chairman of the House Oversight Committee. And we removed 982 pages of federal regulations based on those lies under Secretary DeVos. I've worked with them before, so I already have all my materials ready to go. This is what needs to be done. The student loan program is a nightmare right now. The interest rates are too high, right? Well, the interest rates are dictated by the promissory note that's in effect at the time when they take the loans out. And there's very few of them that are a variable interest rate. There are a few but they all have a cap. The main problem here is that

these kids have been lied to for the last four years. Student loan forgiveness, they never intended on doing that and I've been saying that for years. So you know it was shot down by the Supreme Court twice because it's the the department doesn't have the authority to forgive laws. It has to come from Congress. Wow. And there's a very specific law. I'm a complete geek. So it's 31, 31 USC 3711 defines how any debt to the government has to be repaid and collected. And that applies to the Department of Education. So they can't exempt themselves from that law.

So the Supreme Court struck it down twice, it's gone through appeals, it keeps getting struck down. And the Biden administration went through a whole negotiator rulemaking process, which is normally follows a law. Like the normal sequence of events is a law is written and then the federal regulations are negotiated by people who are affected by them. And it's with the purpose of telling the general public how to implement the law because most people don't know how to read legal language so This was federal regulations that were not based on law and

It was an overstep of authority. They went through the whole negotiation process they did not get consensus, which normally your job is to get consensus. And they did not get consensus. Then they published them to the public. It has to go through a public review process called the notice of proposed rulemaking and the public comments go in and they're supposed to consider those before they publish the final regulations. And they would have had to publish those by November 1st for them to go into effect next July.

They didn't publish them. They went through that whole process and didn't publish them. So on the day that they should have come out, they made another announcement saying they were going to do another proposed rulemaking process. Wow. And it was a total diversion. So they're just denying it. Yeah, to mask the fact that they completely blew it up.

And that's what I'd been saying all along is that it was all political. They had no intention of writing off the laws or off the loans. The student loans is the next most profitable business next to the IRS. Ben Farma, right? Yeah. Yeah, those are probably the top three. Yeah. So they didn't intend on it, but these people have been fed the story for so long that they

don't think they need to be responsible. And so when we're calling them saying, no, you actually have to pay your loan. And they're like, no, I was told it was being forgiven. And that's a very difficult position to be in to have conversations like that. Where you're saying, well, no, no, no, not really. You've been lied to by like the top echelon of the government. Yeah. So now they're handing it to Trump's administration.

And then you got him saying he wants to get rid of the whole department of education, right? Yeah. Well, I feel like it, in a way it makes sense because constitutionally education is supposed to be controlled by the states that was taken away. Um, during, with no child left behind which fast in 1993. So that's really the last time that the states were running their education department like at full force. So a lot of those people have left and the

knowledge of how to do that is no longer there. A bill was passed in December of 2016 that allowed the states to take education over again. It's called Every Student Succeeds Act. And until that happens, No Child Left Behind stays in force. And No Child Left Behind, what it's done is it, you know, I've interviewed teachers all over the country. They spend their first third and the last third of the year assessing people

and the middle third trying to teach a year worth of curriculum. I mean, it's a complete fail. And our children are assessed an average of 212 times from kindergarten through high school. Wow. Yeah. Isn't that crazy? That's just crazy. And then when they don't pass the standards, they lowered the standards, you know, instead of saying, you know, belly up, try something different. But they're literally taught how to pass a test instead of learning. Right. They're taught to memorize.

Right. And so we teach financial literacy for college students and we've gone back into high schools. We had to add basic math to our financial literacy course because they don schools, we had to add basic math. Wow. To our financial literacy course, because they don't even know how to add or some prep. What? College students? Yeah. Yeah.

Yeah. The, um, there was a study done of Ivy league schools a few years ago and they recruit the top three to 4% of test scores in the country. Yeah. 42% of their students need some type of remedial math or reading. Wow. It's just shocking.

And that's an Ivy league. So imagine. Yeah. The top three to 4% of our students need remedial, 42% need remedial. Like imagine what the rest of the country is like. Yeah. It's just such a big fail.

And you know, so the priorities were, as far as I'm concerned, is first of all, straightening out the student loan program. One of the other things that was done in this on-ramp program didn't allow the servicers to report delinquencies or defaults for a year. So that took us to October 1st. Then the service, the federal services were told to put everybody on administrative forbearance that were, you know, enrolled in the SAVE program. There's a lot more than just those people in administrative forbearance, but

it dropped, kicked the payment date until after Trump is in office. About 67% of these students are due in February and March. So it's going to be chaotic. The delinquencies and the defaults are going to hit when Trump's in office so they can blame him. Yeah. He'll take the blame, right? Yeah. So I'm going to do everything I can to get a grip on that as quickly as possible.

Yeah. So that's the number one priority. And then I think working with lawmakers, the last time the higher education amendments were passed was 2008. Wow. That's a long time. Yeah. And they're supposed to pass, they're supposed to reauthorize it every six years.

So it's been 16 years. So they missed two reauthorizations basically. Yes. Going on three. Wow. What, what do you think is causing that delay? Um, in fighting. In fighting?

Yeah. Oh really? The politicians are, you know, it's, it's like they're spending all of their time playing politics instead of doing their jobs. And then, you know, the you know, as Trump calls it, the swamp goes into the bureaucracy because they have an attitude, the people working for the government,

and it is very hard to get rid of people who aren't performing there because they're protected. But they have an attitude of, I'm gonna be here after you're gone, so I'm gonna do what I want. Yeah. Well, that won't happen with Doge now, right? Doge coming in.

It's going to take a lot to turn this bus around. Oh, God. You know, there was, it was either 1.6 or 1.7 new federal jobs created in the last four years. Wow. Yeah, I know the IRS hired a lot. Yeah, they hired about 81,000 people that don't know what they're doing. Crazy.

I have several companies and it's like, I'm just getting all these letters. We haven't processed your, your forms. My accountant told me the other day, there's over 2 million IRS forms that have not been processed. So most of them are disputes. So crazy. I really hope they go to a flat tax because I get way too much anxiety with the IRS. Yeah.

Well, in most other countries, that's what they have. It's so easy. Yeah. Yeah. It's a flat tax. The rule book's not a thousand pages. Yeah, exactly. No loopholes.

It reduces audits. There's, you know, there's a lot of reasons for that. And, you know, if you compare kind of the same theory to Graham Rudman, the balanced budget act, and we got a balanced budget in a fairly short amount of time under that, and it was because it was 10% cuts across the board. So there was no politics, you know, when it's a flat rate, they can't play politics.

And so that makes life a whole lot easier. Absolutely. Well Mary Lynn, where can people keep up with you get your books and follow you and everything? Well I'm on social media, Facebook under Mary Lynn Hammer.com, on Instagram I'm Hammer Time. Oh I love that username. That's my license plate too. It's HMR underscore TYM. Love it. I'm on LinkedIn. And you know, I just, like I said, I want to help as many people as possible. We'll work with the Trump Transition Team

to straighten out student loans and just, you know, just be aware of, you know, the reality is there's no free lunch. Yeah, thanks for everything you do. I can't wait to keep up with it. Thank you very much. Yeah, thanks for watching guys. Check out her stuff below.

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Ontario only. Please play responsibly. If you have any questions or concerns about your gambling or someone close to you, please contact Connects Ontario at 1-866-531-2600 to speak to an advisor free of charge. BetMGM operates pursuant to an operating agreement with iGaming Ontario.