 You have bad money management skills and perhaps you should listen to Dave Ramsey. Parts of the plan were blocked by two federal judges last month, which prevented the Department of Education from going ahead with further loan forgiveness on the July 1st effective date. Anyway, so more bad news. He's not going to be able to bribe even more college age voters or those that were seeking another handout from you and I. Let me just go on with this real quick.