Explore the Empowerment Library
The Empowerment Library includes courses, ebooks, videos, tutorials, and articles developed to help you better understand financial concepts, learn life skills, and explore tools to help you become self-sufficient, confident, and successful!
Additional Topics: Empowerment Library · Financial Capability · Saving, Investing, Planning · College and Career · Lifestyle
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Courses
Being Personally Accountable
Accountability allows you to be answerable for your efforts or actions and helps establish a foundation of trust and respect in your personal relationships and at work. This course…
OpenCreating On the Mark Goals
Setting career, education, family, or life goals may be easy but doing ALL the necessary steps to hit a goal bullseye is a bit more complicated. To ensure…
OpenCredit Scores: A Guide to the Basics
When you learn what raises or lowers your credit score you will have an easier time reaching your financial goals! This course provides easy to understand information on:…
OpenFinancial Literacy 101
Our financial literacy course has been created to help you understand the basics of finance and to help you develop or sharpen your skills. This course will provide…
OpenFinancial Literacy Basics
Prerequisite You must complete the course titled Why is FINANCIAL LITERACY Important? to receive your Certificate of Completion for the Financial Literacy Basics course. Champion also recommends our…
OpenFinancial Literacy Certificate Program
American Medical Certification Association (AMCA) and Champion Empowerment have teamed up to provide an in-depth course on financial literacy. In today's job market, stand out by showing you…
OpenFinancial Literacy for Student Loans
Prerequisite Champion’s Why is FINANCIAL LITERACY Important? is a required prior to taking this course. Completion is needed to receive the Certificate of Completion and Badge. Champion also…
OpenFIRE Lifestyle
FIRE (Financial Independence, Retire Early) is a movement designed to empower people to take charge of their finances and create a solid plan to retire early. This course…
OpenHealth Insurance Coverage Guide
Rising medical care costs make health insurance a necessity because it provides access to care and protects against catastrophic financial loss. This course provides information on: The major…
OpenIdentity Theft
What exactly is identity theft? Identity theft happens when someone gains unauthorized access to personal information and uses it to commit fraud or other crimes. Let's learn how…
OpenInsurance Basics
Insurance policies are designed to give you confidence that when accidents happen, your finances and legal burdens will be protected. This guide will provide you with the general…
OpenManaging Student Loan Repayment: A Guide to the Basics
Because student loan borrowers usually have little experience making financial decisions, they need to learn how to make and manage their repayment strategy. It’s so important because these…
OpenMobile Banking Basics
Our world has evolved to include technology to make our daily lives easier and convenient. If you have access to a smartphone, this gives you the ability to…
OpenMortgages – An Overview
Great work! You're prequalified, you found your house, you put in an offer, the offer was accepted, but you're not done yet. Before move-in can start the closing…
OpenPay for College Using Your Employee Benefits
Get leads on free college, tuition assistance, student loan repayment programs, research tips, and explore employer-funded education programs. In this course, you’ll: Learn about employer-funded education Explore how these…
OpenSavings Account Fundamentals
Learning how to save money will help you achieve financial success and stability. To get started or improve your skills, our course will help you with: Identifying realistic…
OpenSubtracting Adds to Your Life
Have you ever headed down a path that felt more misguided with each step, but for some reason you continue on in spite of any warning signs? You…
OpenTake Action
Our Take Action course provides a framework for turning ideas into reality. Explore a process for removing personal roadblocks that may be preventing you from realizing your dreams!…
OpenTaxes: Understanding the Three Most Common Types
Let’s Talk Taxes Taxes are essential for funding public services and infrastructure. Here's a quick look at the three most common types: Federal and State Income Tax Deducted…
OpenThe Guide to Preparing for Graduation
Before graduating from college, develop a plan for where you want to go. This course will help you come up with a roadmap for the future! You will…
OpenWhy is Financial Literacy Important? Free Video Course
Course Description Champion’s Why is FINANCIAL LITERACY Important? course has been created to help you see how managing your finances affects your life. Realistic examples are given to…
OpenWisely Managing Your Circles of Competence In a Digital Age
Social media management can be challenging! This article will introduce you to the concept of “circles of competence” and explain how you can apply an idea from Charlie…
OpenArticles
The Federal Watchdog Shows Concerns Over Student Loan Payments Restarting
September 13, 2023. The colossal disaster that experts have been predicting is coming to fruition as the first due dates on federal student loans draws near. Servicing challenges…
Choosing the Sweetest IDR Plan for Your Student Loan (updated 2024)
by Kevin Ree If you decide on an Income-Driven Repayment (IDR) plan for your federal student loan payments, you’ll see 4 plans within this plan to choose from.…
Student Loan Q&A
CHAMPION EMPOWERMENT INSTITUTE Givling Facebook Live Event Expanded Q&A EXPANDED Q&A The terms of your existing Promissory Note are legal and binding with the exception of loan forgiveness.…
(Blog) Does The SAVE Repayment Plan Actually Save Borrowers Money? (2023)
September 11, 2023. Many student loan borrowers are asking, “Does the SAVE Repayment Plan actually save borrowers money?” The short answer is likely “no.” Let’s look at what…
FAQ for Borrowers During the Coronavirus Administrative Forbearance (Updated June 2023)
There is so much discussion about student loans and Covid-19 relief programs, which is a massive help, but it's also challenging to weed through the info and find…
Making Principal Payments on Student Loans (Updated 2023)
Making Principal Payments on Student Loans Paying MORE than the minimum payment on your student loan saves you money and helps put you on the path to financial…
Top Four Questions Borrowers Are Asking About Student Loan Forgiveness (2022)
Since the student loan forgiveness announcement from the Biden Administration on August 24, 2022, our phones have been busy! The borrowers we have spoken with are frustrated with…
Higher Education Has Always Been Political (September 2022)
September 1, 2022 by Mary Lyn Hammer, CEO Champion ColEDGE Solutions and Champion Empowerment Institute STUDENT LOANS: THE REAL DEAL IS THAT HIGHER EDUCATION HAS ALWAYS BEEN A…
What You Need to Know About Student Loan Forgiveness and Payment Pause Extension (2022)
Student Loan Payments Paused through 12/31/2022 and Loan Forgiveness August 24, 2022 Finally, we know how to budget through the end of the year! Just 7 days before…
Will the Student Loan Pause Be Extended Again? (2022)
Will the Student Loan Pause Be Extended Again? Truly no one knows! We can say that the number one question student loan borrowers are asking our Champion Student…
Married with Student Loans (2021)
Applying for income-driven plans can be complicated! Did you know that how you file your taxes, if you are married with student loans and have selected an income-driven…
Student Loan FAQ
Frequently Asked Questions You have questions, we have answers! Review the SOLUTIONS for our FAQs. If you still have questions, become a member TODAY and then contact us.…
Do You Qualify for Student Loan Forgiveness, Loan Cancellation or Loan Discharge
Do You Qualify for Student Loan Forgiveness, Loan Cancellation or Loan Discharge? With all the misinformation out there and predatory companies that make it appear as though anyone can…
Why Continuing to Make Student Loan Payments During the Covid Pause Is Smart (2022)
Payoff during COVID? We have heard from a handful of borrowers who have paid down their student loans or paid them in full! Even during the COVID pause,…
Student Loan Repayment Pause Extended Through August 31, 2022
DON'T Count On Loan Forgiveness We know for certain that there is NO mention of student loan forgiveness in Biden’s proposed 2022 budget. The Trump administration paused student…
Avoiding Scams from Student Loan Debt Relief Companies (2022)
Have you received a call or text from a company promising to help with student loan debt relief? If so, beware! Read this post first to avoid being…
Student Loan Repayment May Get Weird In January - Here’s What To Do (2021)
Things are about to get a little weird with your student loans. For much of 2020 and all of 2021, millions of student loan borrowers have not had…
The Clock Is Ticking; Student Loan Repayment Is Set to Resume in May 2022 (2021)
Are you confused by all the headlines promising student loan forgiveness? Honestly, most of the headlines are merely hopeful speculation. Let's review three recent headlines: BANKRATE.com Biden Could…
Why Private Loan Student Borrowers Should Consider Refinancing (2020)
Have you ever had that feeling of paying off your loans, but noticing the number on the debt owed isn't really decreasing? This can be especially common if…
Resuming Your Student Loan Payment (2020)
Resuming Your Student Loan Payment Student Loans and the CARES Act Having a holiday from your student loan payment is sweet, but how we got to that point…
DOE Officials Indicate First Coronavirus Relief Funds for Students Could Arrive (2020)
April 9, 2020 from CSPEN Key Takeaways from Department’s Higher Education Stakeholders Call & Letter To Institutions of Higher Education Top-level U.S. Department of Education officials, including Secretary…
How Much Will Your Monthly Student Loan Payment Be? (2019)
In college the big thing on your mind is graduation. After graduation, you will have bills to pay. To help you make an accurate budget, read this article…
How Much Will Extended Student Loan Repayment Terms Cost You? (2019)
This blog will help you understand how quickly paying off your loan can help you control your total education costs and your monthly budget.
How Much Will It Cost To Finance Your Living Expenses While In College? (2019)
Before you borrow the money to finance your living expenses, read this blog to see get a handle on how much it will really cost you!
Positive Actions for YOU with Tax Refunds (2020)
The extra money from your tax refund makes a HUGE difference, and you're probably excited about the ways you could spend it! Before you proceed with your plan,…
Won’t You Be My Co-signer? (2019)
Building up your credit is hard work. Learn how seriously co-signing for a loan can affect your scores.
Top 6 Student Loan Consolidation Tips (2019)
You can simplify the student loan consolidation process by using these empowerment tips.
Getting Good Student Loan Advice (2019)
Student loans can get confusing super fast if you follow the wrong advice from the wrong sources.
10 Things to Ditch to Promote Inner Peace (2019)
Ditching these habits will help promote inner peace and mindfulness and reduce stress.
Avoiding the Bite of Student Loan Forgiveness Fraud
Thinking about using a company other than your loan servicer for a student loan forgiveness program or loan consolidation? Some companies make big promises and things can quickly…
How Weekly Payments Gain the Distance on Loan Payoffs (2018)
Adjusting your budget from monthly loan payments to weekly payments equates to an extra payment per year on student loans, mortgages and car loans.
77% of Federal Student Loan Borrowers Report Needing More Comprehensive Financial Ed Training Before Taking Out Student Loans (2022)
With student loan debt reaching a record of $1.521 trillion in July 2018 and since interest rates on student loans increased July 1, 2018, this borrower-perspective feedback shows…
Looking at My Financial Aid Options (2019)
Deciding to attend college is exciting and empowering, but when assistance is needed to pay for school, this quick blog can save you from being confused or misinterpretations…
Dig Up Your Student Loan Interest (2019)
Learn if you can deduct interest payments from your student loans on your taxes.
Soaring to Speed Up Your Student Loan Payoff (2019)
Making extra payments is a great way to accomplish payoff your student loans faster... BUT you have to know how to do it properly to have your payments…