student loans are killing Americans


The United States government is about $20 trillion dollars in debt currently. The number is consistently climbing. With the collapse of Fannie Mae and Freddie Mac, financial institutions are more volitale than ever.

For many college graduates, student loans can feel like a financial death sentence. Child support, Taxes, Alimony, and Student loans are generally unforgivable in bankruptcy cases. So, what is a graduate to do if they cannot find a great paying job with their degree?

The good news is that there are well known options like “deferment” of payments and income based payment plans. However, many fail to realize that there are numerous grants and applications that can be used to lower your payments even further or have part of your balance forgiven.

Those who work in public service are the best candidates to have part of their loans removed. Teachers, lawyers, public defenders, and those who make less than 10K a year have a plethora of options for relief.  You can also challenge the accrediting merits of a school in order to have your loan forgiven.

Public Service Loan Forgiveness
Forgiveness from an income-driven plan
Federal Perkins Loan cancellation
Loan forgiveness for teachers
Loan forgiveness for nurses
Loan repayment assistance for doctors and other health care professionals
Loan repayment assistance for lawyers 
Additional student loan repayment assistance programs (LRAPs)
Military student loan forgiveness and assistance
Student loan discharge for special circumstances

If you need help processing your application or advice upon qualifications, feel free to set up a consultation with me by donating $30 on our support page .//

After you complete that step, shoot me an e-mail at so that we may schedule a consult!

In liberty,


Improving Government/Citizen relations


On August 22nd, 2017, I was invited to be a guest speaker for the “Decentralize Your Life Tour”.  A national tour spearheaded by Libertarian Activist, Derrick Broze, who often finds himself in the cross-hairs of government through his independent journalism. Mr.Broze covered the “Standing Rock” protests in the Dakotas and has traveled the world advocating for a freer society. Being involved in protests have often caused him legal troubles, which is common in the practice of civil disobedience.

His message was that of, “Opting out” of the system and finding non-governmental solutions to societies problems. A notion that seems to have much support these days in light of government sponsored controversies which so frequently headline our news media outlets today.

However, when it was my turn to speak, my message, albeit sympathetic to Mr.Broze’s message of “Laissez Faire Capitalism” and “community works”, I reminded the audience that our current system is here to stay for a long time and we must learn to harness its positivity while reducing its negativity, until it is potentially no longer needed.. Additionally, those who work in government are human beings with hearts who are capable of doing great change for the world themselves and should not be looked down upon. Changing a paradigm isn’t something that happens overnight, it requires a multi-tiered approach.

I outlined several abnormalities and injustices found today within the legal system and what we can do to educate and empower ourselves while in tandem, working with government officials. Reforms and innovations are both equally effective at creating a better world for those who live in it. With the rise of the Alt-Right and Alt-Left, (Neo-Nazis Vs Antifa), we are living in very polarizing times, however, I believe a middle-ground in these debates are just what the doctor ordered!

Watch the video below to check out my introductory speech. In the speech, I make reference to my shadow report regarding corruption in the family law courts. That report can be found on the “Human Rights Reporting Page” on this website.

  • Randell Stroud 2017 Nalini-Global

A busy week for Cambodia- Students bear heatwave

Cambodia seems to be all the rage this week in the news. UN Human rights workers being accused of bribery in the region (albeit some say it is unfounded and politically motivated), Japanese Prime Minister Fumio Kishida’s tour through south east Asia that blatantly excluded Cambodia possibly due to political tensions with the aforementioned UN scandal, tourism records being broken (rise from 2.5 million tourists in 2010 to 4.8 million tourists visiting Cambodia (most notably in Siem Reap) in 2015.


Amongst all of these incidents, the young students of Cambodia are not exempt. A heat wave caused by  “El Nino” (a warming phenomenon stirring in the pacific ocean),  has swept across the country with temperatures as high as 42 degrees Celsius (or 107 degrees Fahrenheit)  being recorded. Cambodia’s education minister, Hang Chuon Naron, signed a rule into effect today that requires schools to release students one hour early until the rainy season begins which will bring cooler temperatures.

Like most government ran public schools in Cambodia, funding is sparse, thus conveniences like A/C or high powered fans are not always available.  School officials have been advised to keep students well hydrated and to monitor everyone for signs of heat-stroke.  Dizziness, lack of sweating, and light headedness are usually the first symptoms to be on the look out for.

Cambodia isn’t the only area effected in the region. Thailand’s governmental authorities seem to be following suit in similar fashion as their students and populace face the wrath of El Nino.

Unlike here in Tennessee or other places in the world that have a winter season that includes snow and ice, south-east Asian countries have a “rainy season” instead. A period that is usually somewhere between late August to October where temperatures cool off anywhere from 10-25 degrees from what the summer season has to offer.

Until then, the tough students of Cambodia and Southeast Asia must hang on. Hopefully, Nalini, and other organizations like ours,  can raise funds to provide an air conditioner for every classroom. As if studying with limited supplies isn’t hard enough without having to deal with boiling hot temperatures. If you thought paying attention in class was challenging, try doing it when you are on the verge of having a heat-stroke!

Our prayers are with the students and people of Cambodia,Southeast Asia , and every determined student around the world fighting to give themselves a certified/verifiable education.

-Team Nalini