60. Student Loan Program

This picture is typical of most college student protests/demonstrations in 21st Century America. Notice the sign which states, “Party for Socialism…” The Socialists don’t even try to hide that they are Socialists any more.


I believe this is the Provo BYU Book Store. It was reported that 75% of the Provo BYU student body, and 75% of the BYU facility, were Bernie Sanders supporters in 2016, which is amazing because BYU used to be a strong conservative institution. Bernie is a self-proclaimed Socialist! The two standing behind Bernie look like return missionaries who may be observing in disgust, while the guy standing next to Bernie looks like a Mormon fruit, literally. And Apostle Bednar claimed, “There are no homosexuals of the Church,” really?

The first time I had ever heard that there was a Student Loan Program was in 1969 and it actually shocked me that there could even be such a thing because it was understood in America before that that if you wanted to go to college you either had the money to pay for it (G.I. Bill, personal savings, parents, employer, etc.) or you worked your way through college. Many a story were around how the great men of the past worked a job nights to support themselves going to college during the daytime. Often young men would work construction during the good times as labors to save up enough money to pay for another semester or two of college and that is how most people went to college in addition to scholarships if you could qualify like playing foot ball real well.

These doesn’t seem to by any qualifications to get a student loan including any indications for any ability to pay it back. There are senior citizens in their 60s, on welfare, toting an oxygen bottle behind them on wheels, who have just enough strength in their hand to sign the student loan application that was the only thing get them a student loan. The Student Loan Program is a type of higher education insanity or is it?

The Nuts and Bolts

I will give you the nuts and bolts of the Student Loan Program and then I will give you the whys right after this.

First of all, the Student Loan Program is a Gold Mine for the colleges and universities which has been the money stream for most of their growth and prosperity in the last 50 years (1970 to 2020). Find out what part of a college’s income comes from student loans and you then know why colleges encourage student loans. Incidently, before WW II the cost of a college education was about 1/2 of what it became right after WW II with the G.I. Bill paying the way for most college educations then. After the Student Loan Program starting in the 1960s the costs of college just keep going up and up. Every time the Federal Government gets involved with anything the price just goes up and often the quality goes down. Obama Care is a perfect example of this.

Second, the Student Loan Program is guaranteed money backed by the Federal Government so this is a sure thing for the colleges. Even if the student never pays back one cent of the student loan the college has already gotten their money up front.

Third, there are a lot of student loans that are paid back but the ones that are not paid back represent a huge part of the unpaid personal debt in America. Unpaid student loans have become such a big problem that Congress has passed special laws to try to control the losses like bankruptcy does NOT affect a student loan, this is how severe the nonpayment of student loans has become. When you make loans to peole unable to pay the loan back what would you expect? And the colleges are right there encouraging every “warm body” that comes through the door to sign up for a student loan. They may as well have an entrance exam: can you smell shit, see lighting, and hear thunder? But then that exam/test may disqualify some who are getting student loans now. “Bad idea!”

Now The Whys

First of all, the Student Loan Programs are the most attractive to the poor and the most not credit worthy people in our Society. The well off and credit worthy people do not need any student loans however, they do often participate in the Student Loan Programs because of their ease to participate and the introductory interest rates are attractive.

Second, the poor and most not credit worth people are the reasons for the Student Loan Programs for these reasons. A. It is to get these poor and ignorant people into college so that they can be brainwashed with the philosophies of Socialism and Communism. B. The Student Loan Programs effectively and efficiently herd up the most poor and ignorant of Society through a gate into the corral of the colleges which are the school masters for Socialism and Communism. C. It makes no difference if the Student Loan Programs are a bankrupt program because the huge unpaid debt that this creates only adds to the National Debt. D. The higher the National Debt the weaker America is and the more likely the people will vote in Socialism and Communism. E. The Socialist and Communist politicians often promise relief from student loan debt with their forgiveness programs for a problem that their Party created in the first place by offering government backed student loans to people that anyone should have known were NOT credit worthy, likely not capable of finishing college, probably not capable of keeping a job to make the money to pay back any loan, and would be the most likely to never pay back any debt. This is a win-win for the Socialists and Communists; a golden opportunity to teach their Socialism and Communism to a captive audience and run up the National Debt at the same time. Perfect!

Third, and this is the most important element of this Student Loan Program Page. While the American Socialists and Communists think that they are the ones that will benefit the most with the herd brainwashing of the most poor and most ignorant of American in the ways of Socialism and Communism, the reality is the Islamic Muslims are going to take away all of the American Socialists and Communists marbles in the near future. All of this college and university brainwashing of the masses in America, encompassing the rich and the poor because of the Student Loan Program, the way have been paved, the field is ripe, for the masses to accept Islam with Sharia Law as the future of America because the masses have been taught that American Capitalism has failed in spite of the evidence that American Capitalism is the best friend the poor people have.


This is it, use any kind of test you want to like “follow the money,” the Student Loan Program, because it was intended to trap the most poor and the most ignorant of Society, has been the tool and means to herd the most poor and the most ignorant of American Society into the colleges that these poor and ignorant are the most likely to be brainwashed as to the philosophies  of Socialism and Communism. Stupid and ignorant people fall for the lies of Socialism and Communism; and the even more stupid and the even more ignorant of people fall for the lies of Muslim Islam and Sharia Law.

So this is exactly why the American Nazi Lawyer/judge Mafia “Secret Combinations” Secret Society Shadow Governments not only survives in American, but thrives, because the people have been brainwashed onto not being able to think for themselves, but have been taught what to think, and that thinking process is Socialism and Communism; which the Islamic Muslims will take advantage of and use to take over America in the very near future.

Bro. Jim Kelley (7-12-2020)





The MISSION of this apowtwice website is to present the question:

Why should any person, especially a poor person who would NOT be able to afford to hire their own lawyer, ever have to suffer financial ruin, spiritual humiliation, and all manner of other Nazi crimes against the innocent, at the hands of the satanic American Nazi Lawyer/Judge Mafia just because they were named as a Beneficiary in a family Will and Trust that was hijacked by the American Nazi Lawyer/Judge Mafia as a deliberate form of ENTRAPMENTS against the innocent Grantor and Beneficiary?

My doing this apowtwice website is like myself writing an encyclopedia all by myself so please forgive me for any faults and/or errors. If someone thinks there is a fault and/or error they can contact me direct at apowtwice@hotmail.com. Thank you.

This website is political speech for the purpose to convince enough politicians who are in the Missouri State Legislator to pass a Grantor’s and Beneficiary’s, Will and Trust, Bill of Rights. By necessity this political speech has to be straight forward, containing the raw truth, to raise the awareness of the State Legislators for the real and desperate need of this Bill of Rights to protect the innocent Grantors and Beneficiaries from the evil designs of unethical shyster lawyers. This is a Human Rights matter and I would think it should receive bipartisan support; I pray so, I hope so.

This website represents “a never ending battle for Truth, Justice and the American Way” which concepts it seems most lawyers and judges are trying to take/steal away. Like all evil, if you give evil an inch, then evil will take a mile. It seems most lawyers think “the arm of flesh” knows better than God what Truth and Justice are as the Lawyer Profession blunders down the black hole of evil and sin, while trying to suck America with them to a hell on earth. Just say NO to evil, STOP evil, say NO to corrupt lawyers, STOP corrupt lawyers, for a better America today for ourselves and tomorrow for our posterity.

LEGAL DISCLAIMER: This whole Page, and this whole Website, has to be considered “legally” to be my own OPINION, and nothing else, because there are four Lawyers, and a Law Firm, poised, waiting, to pounce on me and this Website. The Law Firm petitioned The Court to order this Website taken down; first time January 17, 2018, and a second time, April 4, 2018. Obviously this Website is in jeopardy for telling the Truth about a WW II, D-Day, captured behind enemy lines, POW for 10 months, veteran; Elder Abused by a team of unethical lawyers, and a Law Firm, the PROOF preserved in the UNCONDITIONAL SURRENDER WILL AND TRUST, that led to this Veteran being held as a POW in the 21st Century War of Elder Abuses, and they are obviously afraid of that.

What is my opinion today, will no doubt become the opinions of millions of other Americans soon, and perhaps will evolve into obvious  self-evident truth for the future. To get to an obvious self-evident Set of Truths pertaining to a Grantor’s, and Beneficiary’s, Will and Trust, Bill of Rights, it is going to take the efforts of millions of Americans, that can legitimately claim the Title of Americans, to come together and say “STOP!” to the lawyer abuses so prevalent pertaining to Probate Laws that would go against the ideals of all Americans, especially American Veterans like my Dad, in unified efforts to stomp out the symptoms of Socialism in the Probate Laws.

As always if the Trustees, Lawyers, the “den of thieves” Law Firm, and the Northside Christian Church, would like to give me any short statement to explain their side/opinion I would probably include that if they would wish. They all have declined to my honest and sincere offers like this in the past. It would be as easy as sending an e-mail to apowtwice@hotmail.com.

Poor folks have poor ways,

Satan has his evil ways,

God has His Righteous Ways,

and Satan has captured America with his American Nazi Lawyer/Judge Mafia,

while the Christian and Jewish churches were asleep!

“A rich man rides a taxi,

a poor man rides a train,

the hobo walks the railroad tracks,

but he gets there just the same.”

The path to a Grantor and Beneficiary, Will and Trust, Bill of Rights may be like a hobo walking the railroad tracks but it will eventually get done because God wants His poor children to be protected from the satanic American Nazi Lawyer/Judge Mafia members like Nazi Nancy Yendes, Nazi Carl Yendes, and the “den of thieves” Nazi, MANN WALTER, BISHOP & SHERMAN Law Firm, etc.