Day 12 : Pacing Is The Key To Success For The Freelance Transcriptionist

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Feel Free to Choose A Sub-Section of this Post
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1. Random Thoughts on Transcription and Non-Transcription Related Issues
2. Daily Progress – Research Findings, Tasks and Skills Development

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Random Thoughts on Transcription and Non-Transcription Related Issues

Let’s face it, folks – we are drowning in a sea of information these days, and it is becoming increasingly difficult to keep up with it all and attain some sort of balance of intake, processing and utilization. Entire books have now been written arguing that “mental illnesses” such as Attention Deficit Disorder (ADD) are more the result of the inability of our brains to adjust to the barrage of incoming data than the biochemical abnormalities which have been discovered through research so far :

ADHD: Is Our Information Culture The Cause?
http://huff.to/1ykiCOV

As research in the scientific field of epigenetics discovers increasing evidence that the environment plays a very significant role in biological processes as fundamental as the effect of stress in altering DNA and transmitting those alterations to future generations, it is becoming ever more important to account for, and manage, the various environment factors which effect us in our daily lives. The amount, kind, and quality of information we consume, the “downtime” we allow for our bodies and minds to rest and digest that information, and the strategies by which we maximize our assimilation of information are becoming crucial issue for survival in the digital age. Just as building cardiovascular and muscular/strength via exercise requires a proper balance of rest and exertion, so too does the building and maintenance of our mental processes. Overloading the neural circuits with information is equivalent to running well beyond your distance/speed limits, or lifting weights which are too heavy for your muscular-skeletal system to handle.

Two of the most important and effective remedies to this problem are : organization and pacing.

Through the process of organization you are able to break down the mass of incoming information into manageable units, and then through pacing you create an ideal pace of intake/processing of that information so that you assimilate and utilize the maximum amount of it.

In the excellent book “The Overflowing Brain – Information Overload and the Limits of Working Memory” neuroscientist Trokel Klinberg examines in great detail the nature and limits of working memory. Like the RAM of a computer, the working memory is the neurochemical entity which holds information temporarily before selective bits are integrated into the long term storage memory. Just like in a computer, if the RAM memory is not large enough the computer can freeze up if the user forces too much information to be processed relative to the RAM capacity. This will take the form of a web browser crashing if you have too many tabs open simultaneously, or a digital imaging program seizing if you initiate too many processes in a short period of time. In the same way, our working memory malfunctions when we overload it. The human brain’s equivalent t the computer is a decrease (to the ultimate point of virtual inability) to process additional information, or a decrease in concentration/attention when the information processesing capacity threshold is exceeded. This is known as “information overload”, and it is a growing epidemic in the modern digital age, with research showing that the general limit of attention span in people is decreasing.

So, since this major issue of information overload is becoming a growing concern for people in general, it would only make sense that for those of us who work with information on a daily basis it is even more important to implement effective strategies to control the amount of information exposure and rate of processing that information in order to achieve adequate mental balance and minimize mental stress – which is, of course, directly connected to physical stress – as mental processes are biochemical in nature, just as all other bodily processes. A clear example of this connection between the mental physical bodies relates to nutrition. The brain – like every other organ in the body -runs on the nutrients we consume. In fact, the brain has an very high metabolic rate relative to all other organs, and so an inadequate intake of nutrients to balance mental exertion results in all sorts of dysfunction and inadequate function. Ranging from diminished attention span, cognitive deficits, anxiety, depression, and the most extreme symptoms of psychosis in severe cases of sleep deprivation (or even extreme mental overexertion) it is clear that proper control of mental exertion, along with adequate rest and nutrition is a serious health concern.

Incidentally, one of the most important forms of nutrient for the brain is dietary fat (lipids) – especially the fatty acids such as Omega-3 and Omega-6,.  After all, the brain tissue itself is essential composed of lipids and cholesterol. Studies have found that general deficiencies in the various forms of dietary fat result in decreased cognitive ability, memory problems, mood instability, and various other issues which effect mental performance and overall health. In a more extreme case, a study was done with a prison population which found that dietary fatty acid supplementation decreased the level of inmate violence significantly. Other studies have found a significant therapeutic effect of coconut oil on Alzheimer’s disease symptoms. So, the next time you are feeling mentally fatigued try taking a few tablespoons of olive oil, or have a few eggs.

In order to not go too far off on a tangent, let me bring this discussion back to the issue of the two fundamental factors of organization and pacing as the main keys to success for online telework – whether that be transcription, editing, writing, data entry, etc. Proper pacing requires that you allow your brain the proper nutrients and rest periods so that it can process the information you have taken into it and build new neural connections (including memory) in response to this input. The brain can’t do that if it is being overworked, not given enough downtime (in the form of rest, sleep, or even relaxing recreational activity) and/or if the proper nutrients – which are the materials which actually build the neural connections) are not consumed in proper amounts.

You could argue that the most logical method to create the proper strategy of organization and pacing would be to start developing the organization part first. It would be possible to do this, but I would argue that by first assessing your pacing needs, you will have a better idea of the limits and needs of your mind and body, and can thus build a more appropriate organizational structure around that. For instance, if you are a person who suffers from some degree of insomnia it will be difficult to create a more highly structured organizational plan if your sleep schedule is erratic. It will be difficult for you to stick to that strict routine. I can attest to this first hand, as I suffer from severe chronic insomnia – and trust me – it is something which MUST be accounted for in your organization plan.

So, once you have assessed your pacing needs you can begin to assess the sources and amount of information which is available for you to use to expand your knowledge of the transcription industry, job skills and tools and people/organizations to potentially connect with to further your efforts. For instance, your pacing assessment will give you an idea of how much time per day you can dedicate to taking in new information and experimenting with and practicing the new skills you have gained through your research. You should break the total time down into the two major categories of “research” and “skills implementation”. You can also add a third category such as “free experimentation”, where you will basically just browse through various resources in a more relaxed, unstructured manner (for example. you may enter a new transcription-related search term into a search engine and just follow the results wherever they lead). This adds a more fun, experimental component to the research, but is also important because it is very likely to produce some valuable new information and resources that you can then integrate into your more structured research. For instance, I often enter new terms (especially transcription-related products and software) into the YouTube search engine and discover some very informative videos which open a new avenue to research (and skills expansion) into my overall development process. One such extremely valuable software program I discovered in this way is the Evernote organization application. I will be writing an entire post about this amazing piece of software genius in a future post, but for now here is a great YouTube channel by mentor Evernote Scott . A great video to start with is the Evernote Tips : The 11 Amazing Features episode. In fact, Evernote is one of the most productive programs to use for developing your organization plan, in addition to collecting, storing, managing and processing all of the your research notes and content. The best thing is that the software is free, and the freeware version offers more than enough functionality to perform the tasks required to design and manage your organization strategy.

So we now have a general idea of the fundamental factors to help minimize information overload and maximize your research effort. It is recommended to assess your mental and physical needs in order to decide on a rough estimate of the amount of time you can dedicate to your research, skills practice and experimentation tasks. Once you have an idea of how much time and energy you can dedicate to the research you can then begin to physically (or more likely virtually) write up a more concrete plan to organize your daily efforts.

In the next section we will look at the implementation of this process in a more concrete example of my actual strategy development.

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Daily Progress – Research Findings, Tasks and Skills Development

In line with the discussion of my research and skills development strategy in the first section of this post, as I continue exploring and working in the online transcription industry, the reality is that the amount of information available (from numerous resources, in different formats and covering different topics and aspects of the multi-faceted and extensive field) can easily become overwhelming. Therefore, I think it will be helpful to describe the strategy I have developed over the past weeks to organize and pace my efforts in order to make consistent and comfortable progress reaching the level of being able to make a living in online transcription and editing telework.

The sheer overload of information that I both need and want to consume to move things forward is quite overwhelming. Therefore, in line with the key concept of pacing I have begun writing up a daily strategy plan to help organize the effort and increase the retention of new information. This is quite easy to do, and I have used a simple Evernote note file titled “transcription career development organization plan”. In my specific case I have listed the handful of most urgent and valuable resources (ex. the TranscribeMe Style Guide, a few of the best transcription blogs I have discovered so far : TranscriptionWave blog  , TranscribeMe blog , and “General Transcription Work From Home” blog ,  in addition to the two best online transcription forums – Transcription Haven and Transcription Essentials. Since it is physically and mentally impossible to consume all of the information contained in these resources, or the numerous other valuable ones which I will encounter as I proceed or simply don’t have enough time to include in the daily research program, this is where pacing is most important.

The first essential thing to do after making a list of the most important and highest priority resources you have discovered is to decide how much time you can reasonably dedicate to consuming the information from those resources each day, as well as the daily time allotment for implementing the knowledge/skills obtained. Since one of the main (and ideal) goals I have mentioned is to maintain income from the transcription work while I continue the research and train myself, it is important to integrate practice/work time in with the research and study time. Through experience I have found that good strategy for this is to alternate between research and skills implementation. For instance, you can plan for an hour of research in the morning and the follow that up with an hour of implementation (perhaps with a nice break in between to rest your mind and eat something after spending an hour reading, watching videos or listening to audio). In addition, it is especially productive to do spend your research and implementation hours on similar subject matter. For instance, during your morning research reading through a style guide you may come across a specific issues, such as “the proper use of the comma”. You may follow that up by looking up the subject “comma usage” on an online grammar web site such as : http://www.grammarbook.com/punctuation/commas.asp . You could also follow up with some addition resources on comma usage and/or closely related topics to add some depth to your understanding. Then, during your following “implementation hour” you can pay more close attention to your use of commas when transcribing a file. Another example would be reading your one daily post on the TranscriptionWave  blog, such as : Tips To Help You Transcribe Quickly , and then take one of the tips (such as : “#3 : Work With Macros”, and follow up by reading the tutorial file in your transcription software which explains how to use macros, and then actually practice using at least one macro while you transcribe a file during your next implementation hour session. You can then practice an additional macro per day in the coming days to reinforce the skill until it becomes routine.

If there is a topic or skill which is a bit complicated, or you are just having trouble grasping for some reason, take some additional time during the next research session to research more deeply into it. Then also spend some more time practicing the new skill during your next implementation session.

During both sessions you should also keep a running note file. During implementation sessions you can jot down any thoughts, ideas, problems, questions, discoveries, etc. which you can then follow up on in the next research session. During the research session you can also jot down thoughts, ideas, problems and questions, in addition to additional resources (ex. links, new blogs/sites, videos, etc.) which you can then follow up on in future sessions. In my experience, it is best NOT to immediately follow new resources you discover. The reason for this is that it tends to throw off the focus and momentum of your research effort. Ideally, you want to create a daily routine of working through small parts of a resource (ex. one blog post per day) as this consistency enables you to build progressively over time. Suddenly introducing a new resource – which is often significantly different in style and uncertain in quality – can really throw off your momentum and focus. I have found it best to record the new resource in your running note and then take some time in the next research session to give the new resource a superficial browse (ex. look over the main blog post menu pages to see what kind of subjects the blog covers, and perhaps record the url of one or two interesting posts from the blog in your running note).  For recording urls for future research, the Evernote application is excellent since the program automatically converts urls you post in your note files into active links, and then you can simply click on the link in the note to open the page. Then over the next few days you can slowly evaluate the new research and decide whether it is worth starting to include some of it’s content in your daily research workload. This, of course, depends on how much time you have available during your research session. In other words, you want to ease into (and warm up to) new content. In this way, your organization plan is dynamic and constantly being evaluated and adjusted to fit your specific needs as they arise and change.  Sometimes you will discontinue working through a resource because you have found one of better quality or which fulfills new content needs which have arisen through your various efforts and unexpected developments and opportunities.

To give you a more concrete example of my current strategy, I am now allotting one hour per day to reading one blog post from each of the 2-3 selected blogs (mentioned earlier), browsing the main blog post pages for posts to read in the future, recording the urls of those selected blog posts in my running note, reading a few tutorial pages of the various software programs I am in the process of incorporating into the workflow, and reading through one or two pages of the TranscribeMe style guide to continue familiarizing myself with the company’s specific transcription requirements as I work on a few  of the short (roughly one minute) files each day. Of course, I also keep the style guide file open and refer to it as I am in the process of working on the transcription files, so as to most strongly reinforce my skills through practical experience. In addition, my internet browser is always on call to perform the common quick transcription research tasks (ex. looking up additional information on companies, people, and/or places mentioned in files I am transcribing,  quickly following up on interesting topics mentioned in transcription files, etc.).

To enhance productivity and efficiency significantly, I am using the excellent Evernote application to create and organize my notes and strategy plans,  collect all the resources I find (ex. web sites, blogs, videos, audio, photos, etc.) – as  Evernote enables you to collect all of these types of media right into your notes so you have access to every component of your research in one place. I am also using Evernote to develop and write the posts on this blog, as it allows me to do everything I need to work on the posts offline, and then I simply copy everything into WordPress to do all of the HTML, publishing and marketing stuff.

Okay. I realize that this is an extremely long (and perhaps a bit tedious) post, but I believe that the points and concepts I have discussed here are very important for laying a solid foundation for developing a productive strategy for building your knowledge and skills related to transcription (and any other form of telework), and doing so in a way which is healthy, maximally productive and efficient in enabling you to attain gainful and consistent transcription work.

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Feel free to donate some Bitcoin to support the research and writing effort of this blog.

Donate some Bitcoin to support the research and writing effort of this blog.

Day 11 : Online Transcription Is A Paid Joy Ride Down The Information Superhigway

rugged road sign

As the late, great Terrance McKenna opined : “The world is made of words.” Throughout history this theme has consistently reemerged in various forms including : the concept of the fundamental universal “Aum” vibration underlying reality in the ancient Indian philosophical system, or “the Word” which was spoken into existence as the primal act of creation being a main tenet of monotheism. The reality is that we are, have always been and will always be swimming in a sea of electromagnetic radiation – a significant portion of which vibrates within the frequency range of  “mouth noises” which have traditionally been categorized as “words” – which in themselves can be broken down into subcomponents (ex. phonemes, morphemes, etc.). And although that percentage of this electromagnetic spectrum which falls within the realm of words and their related counterparts seems to be on the decrease (competing more and more with visual information in the modern age) the bottom line is that the spoken word has always been and will always occupy a primary place in the human experience.

Here is an interesting lecture by mathematician and social scientist Dr. Courtney Browne, founder of the Farsight Institute and researcher into the phenomenon of remote viewing and the link between consciousness and multiple dimensions. In this lecture Dr. Brown explains the theory that thoughts are vibratory physical entities which have mass and energy, like all other entities in the material universe. I find this concept intriguing, as it reinforcement by intuitive sense that all of the information we receive through the senses – and in the case of transcription, through the process of listening to audio or watching video and then transcribing the information contained in it – has a tangible effect on our mind and physical body.

As I continuing evaluating and working through the various audio and video files which come to me through my transcription efforts I find myself taking some time to pause and reflect on the variety of “sound bites” which I subjected to in the process, and the effect that they may be having on me. Sometimes I will work through a file which is especially interesting and has an immediate (often positive) effect on my mental life. These include the many podcasts I have edited or transcribed which deal with interesting issues of technology (ex. internet privacy, social media marketing, the newest startup businesses, etc.), economics, education and other humanitarian issues – some of which I hadn’t even known about before listening to the file. Other times, I find myself deeply entrenched in a serious dialogue between two people sharing quite intimate feelings, thoughts, concepts, and beliefs which can require quite a bit of energy to process. In more demanding instances, I find myself in a bit too deep – working through feelings of discomfort and even turmoil as the speakers in the audio or video files battle their interpersonal and/or intrapersonal demons.

One thing it may be good to share at this point is that I actually have extensive experience exploring the realms of metaphysics and meditation techniques in various world traditions. I’ve spent week-long periods living in Buddhist temples in remote mountainous regions of Asia (ex. Thailand), spending hours each day in walking and sitting meditation. I’ve extensively read some excellent books on mindfulness meditation, such as “The Teachings of Achan Chah” (<- free ebook), the transcendental sciences of Yoga and Pranayama (the Yogic method of attaining higher awareness through advanced breathing exercises) and the energy-centered science of Chi Kung (and various other disciplines) from the Chinese system. In addition, I have some knowledge and competence in the languages on which these systems are based, in addition to a serious interest in the sciences of linguistics and information technology.

Each of the philosophical traditions mentioned above is based on the fundamental concept of observing the flow of the nature as is moves around us according to its own logic. And so it is of no surprise that I find transcription to be a spiritually stimulating and often enlightening process. In fact, in my extensive experience with various endeavors in the digital and physics realms it seems to me that the emerging digital world is essentially becoming MORE quantum-like, and in line with the less linear,  higher-dimensional nature of reality. Each day we are bombarded from all directions by an increasing barrage of sound bites, visual flashes, and information which is connected in increasingly intricate ways. The term “surfing” is becoming only more accurate in terms of the mode by which we move through a cyberspace whose boundaries are also becoming progressively thinner as the information that we process and the method by which we process it becomes more integrated. For example, the Smartphone is processing more information about us in ways which effect our experience and productivity in deeper ways than ever before. There are now apps which can measure and track our behavior (ex. exercise apps which track distance/time of running and then produce a customer exercise program from that data) and even help organize ourselves better (ex. apps which provide detailed scheduling and reminders for people who struggle with ADD (Attention Deficit Disorder)).

Ultimately, this advancing technology holds great potential to improve our lives in many ways. However, it also holds potential for us to get caught up in all of the gadgets and applications, which can lead us to become LESS in touch with reality and the needs and pleasures of everyday living. While I am enjoying the process of learning about and utilizing the various technologies which are being developed and applied specifically to the transcription process, I am also being careful to keep my personal goals in mind and to focus on the more practical elements of the process and the technology. My main goals at this time include : developing my transcription skills and knowledge, applying my transcription skills in order to earn income to survive, making more connections in the industry to further the first two goals, developing my blog through writing about the experience for the benefit of future beginners, and discovering some new and interesting topics (through the transcription effort) to integrate into my other research/writing efforts. I believe these goals are grounded enough in the real world to prevent me from getting too sucked in by the technology while producing benefits to my physical, mental and spiritual existence at the same time.

The best thing about transcription work is that you are exposed to new ideas (some of which haven’t yet even been revealed to the general public) related to often interesting topics (ex. latest technologies, scientific theories, academic lectures, etc.) and in the process you are actually PAID for your efforts. It is similar, in many ways, to being a movie or restaurant reviewer, but also goes a bit deeper in that you are often working with audio and video files which tackle more serious and important subject matter (ex. confidential interviews, undercover audio/video footage, etc.). In addition, as transcriber you are required to implement a number of techniques and skills which are learned through experience (and some formal and informal education). It is NOT an easy job when you consider all of the factors involved (ex. audio/video quality, deadlines, demands on physical and mental stamina). In the end, however, your horizons will be widened as you listen to all of the different people from various walks of life doing various interesting (and not-so-interesting) things, and to be paid for your effort in the process. Plus, the better you get at transcribing, the more money you can make and the more interesting audio/video files you can choose from as you connect with more and more professional organizations (ex. film/television production companies, law firms, podcast producers, educational institutions, etc.)

As part of the process of familiarizing myself with the TranscribeMe system I spent around two hours today browsing through the posts and groups of the Yammer forum, reading through several more pages of the style guide, and working on two of the approximately one-minute transcription files on the “jobs” page. Transcribing the short audio files is quite different from the long files I have been working on the other company, which are often over 30 minutes long, have deadlines of several hours and require roughly one hour of listening and typing for 10-15 minutes of audio in the file. Although these short files are generally easier and quicker to complete, they do introduce some problems. One thing is that you have little context by which to help decipher some of the less decipherable words in these short files compared to the longer ones, where formal nouns and words specific to the audio in the file are repeated multiple times and in multiple ways. This makes the research skill more necessary, but also more difficult as you have less context to even apply the research task to.

Overall, however, these short files are good for practice. There is less pressure and stress to complete a long file. You don’t need to worry about scheduling breaks to rest your mind, fingers, etc. You also don’t have to worry about something unexpected coming up (ex. sudden obligation such as having to pick up a sick kid from school) before the deadline and thus having to forfeit hours of work and income. Especially during this period where I am new to the whole transcription process I think these shorter files provided by TranscribeMe are a good complement to the longer files provided by the other company. In addition, the training and communication elements provided by the company are valuable to improving my skills and making connections. These will benefit me in the long term and so it is worth the time utilizing what TranscribeMe has to offer, while getting paid in the process.

In the next post we’ll examine the importance of pacing in the process of developing and implementing the skills of transcription.

Feel free to direct any questions or project proposals to:

freelance_transcriptionist@hotmail.com

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Feel free to donate some Bitcoin to support the research and writing effort of this blog.

Donate some Bitcoin to support the research and writing effort of this blog.

Free Transcript Project : #2

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Source video
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Title : “15 Minutes Of Fact : From Graduating to Indentured Class — Will America Continue to Eat its Young?”

URL : https://www.youtube.com/watch?v=J1LRmgIr0xI

Organization         : 15 Minutes of Fact podcast :
Web Site                 : https://www.youtube.com/user/15MinutesOfFact
Host                        : Jerry Ashton
Contact                  : jerryashton1@gmail.com

Guest                      : Cryn Johannsen
Web Site                 : http://alleducationmatters.blogspot.com/
Contact                   : https://www.linkedin.com/in/chasecrynjohannsen

Transcription Notes : This project is a good example of how transcription can remedy some of the problems which accompany less-than-ideal audio. There are numerous reasons why the final audio of a production may end up less than ideal. It may have been an on-location live interview in which there are many uncontrollable factors involved. It may be that the communication channel (ex. phone, Skype, etc.) had problems. It may be that the producer/host just didn’t have the resources and/or skills to apply the proper recording equipment or techniques or hire a competent person/organization to do it. In the end, what good quality transcription can do is make words which were inaudible clear (for instance, through figuring them out through context and/or research) and represent the production in a more accurate and complete form in writing.

In addition, YouTube actually has its own speech recognition (transcription) software for video. To show it, just click on the icon which looks like a page, immediately right of the “add to” link on the video page. To save you the calories and bewilderment of doing so, let me present for you here the exact text which is generated by the YouTube “transcriber” for this specific video :

YouTube automated transcription
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“0:00
from graduating class to endangered class
0:03
American pieces all showed almost two years as I’ll ask after the time and
0:09
attention over yesterday
0:10
mes creating your handsome evolve its Keisha matters
0:14
back in march it 2011 and still basking in the chilly spring up the Occupy
0:19
movement
0:20
Trenton I was working hard to see that student debt goes much attention is more
0:24
realistic
0:25
this means we’re going for her and I believe”

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As you can see, the YouTube computer-generated transcriber is about as accurate as the subtitling on a bad Chinese Kung Fu movie – without all the funky acrobatics and scenery. As a result of this, a proper transcription by an experienced human transcriptionist does justice to YouTube videos.

Transcribing YouTube videos has several important benefits. It extends the reach of the video outside of the already very powerful YouTube marketing platform. It makes up for the horrible YouTube automated transcriber/subtitle generator. It also gives your videos more marketing punch as it provides many more words than the limited number of tags allowed for each video (around 50 I believe), and this enhances the SEO potency of the production.

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Transcript :

Jerry Ashton : From graduating class to indentured class, America eats its own. It’s been almost two years since I captured the time and attention of our guest today – Ms. Cryn Johannsen of “All Education Matters”. Back in March of 2011 and still basking in the chilly Spring of the Occupy movement, Cryn was working hard to see that student debt got as much attention as mortgage debt. It’s been slow going for her, but I believe however, that she and other education militants have finally achieved that attention. Just how far they’ve come and how far they have to go in freeing generations of students from a lifetime of debt will be our subject for today. So welcome to the show Cryn Johannsen.

Cryn : Thanks, but I do not consider myself a militant. I’m actually, truly a pragmatist. You’re right that I suppose the work has been slow-going – there’s been a lot of behind-the-scenes that I do on the hill. But I can tell you one thing – and I can’t divulge the particular office that I just went to recently – but from a wonderful staffer of a Congressman’s office, who I know quite well – maybe it is slow-going but they are listening. They are definitely listening, in such a way that I can actually say that I am incredibly hopeful about.

Jerry : Well, before we dive in then – and, by the way, I want you to know that you may not be an activist, but you are hardly a milktoast either. I would like you to give the listener a bit of your background in the world of student debt. How did this come about for you personally, and where do you find yourself today in this world of trying to make a change on student debt?

Cryn : Sure, well like many people my age I do carry student loan debt, but it is more than manageable. I have never been deliinquent on my loans. It’s never been a problem. I am very lucky. I consider myself blessed. I am a religious person – so I will say that on the radio. But in terms of diving into it, I myself have been working on my PhD on the intellectual history of Europe and there was a lot of conversations we always had about student loan debt. This was around the time of the housing crisis, in 2008, and I just began to piece together the parallels. The big difference was that you can walk away from your home – as we all know – if you’re underwater. However, with student loan debt you can’t do that. So, there was an intellectual curiosity with how the student loans and the U.S. government, and how these institutions were related to financial markets. It’s incredibly complex because you are talking about the U.S. government – “Uncle Sam” – they’re the biggest lender. Then you are talking about the universities – where the money is being funneled to. Then on top of that you’re also talking about a lending industry that was born out of the federal government. These are all very complex institutions, and all of them are interconnected because of the student loan debt.

Jerry : Okay, I’ve got the fact that there is a macro level at which this is being approached, but let me get to the thing which seems to be catching the attention of people right now. Student debt exceeds one trillion dollars. It is considered to be the next bubble to pop. So let me give you a couple of Time Magazine article facts. In the last five years the average student loan debt has risen 30%. More than half of student loan accounts add up to more than 40% of the total dollars owed, and they’re in deferral status – meaning that students are looking for a reprieve for a few years before they have to repay. But these delinquencies are increasing by 22% over the last five years. So how can any of us have hope of a way out in the face of these statistics.

Cryn : Well I think that’s a really good question, and one of the things I wanted to say though about my interest – just to return to my original personal interests – is that I have a deep love for people. And these people with student loan debt have opened up to me tremendously – because Americans are very ashamed to talk about debt. They are hopeless, and as your probably aware, I wrote an article for the Huffington Post which I received a scholarship from the “Economic Hardship and Reporting Project”. Barbara Ehrenreich, the author, and also Gary Rivlin – who’s also an author – they were the editors for my piece. It was about people who were committing suicice, and I continue to get these notes – it’s incredibly troubling. But I guess one of the things is that – I have a feeling, and I know that sounds odd – but I just have a feeling that 2013 is going to be the year for us – the indentured educated class. One of the reasons why is because I’ve gone through – and I’m not going to go into the details – but I’ve gone through a significant loss personally, very intense. I’ve prepared myself tremendously. The reason why I’m saying this is because I am so ready to get this done, more than ever before. And I’m not the only one. That’s what’s great. The more the merrier in my opinion, There’s a lot of us out there [crosstalk] and I think this is going to be the year, despite all of these terrible statistics. And they are terrible.

Jerry : Okay, well first of all, Gary Rivlin – I’m a fan of – when he wrote that book called “Broke USA” and he talked about how banks supported and financed loan companies, pawn shops, mortgage people – predators. So anybody who can align themselves with that guy automatically wins with me. How many people would you consider to fall into your category about being at least militant about changing the world of student debt.

Cryn : Well, again, I’m hesitant to use that word. I guess I’m more insistant through the power of love – as cheesy as that might sound, and people might say, “Oh, she sounds like she’s from the 1960s” – well so be it. Well, there’s plenty of us. I know that Robert Applebaum is still doing quite a bit. I believe Alan Colinge is – to the best of my knowledge. But they’re not the only ones out there. There are so many groups doing things, and the reporters continue to write about this left and right, and I think that’s fabulous. The more people talking about it the better. That’s the way it should be. So the more of us out there, the better. And I think the more and more people join our ranks [all with?] different approaches. I think it’s great.

Jerry : Well I know that you came up to New York City when Occupy was still blooming at Zuccati Park. Shortly after, of course, they pulled it out by the roots and thought that would get rid of it – but that didn’t happen. What was your impression of Occupy, and do you think Occupy has been an important force.

Cryn : Oh, it absolutely has. It’s a collective voice of people who are deeply in debt. These Americans having the courage to go out there with the placards showing how much debt they owed – bless their heart. That was the most powerful thing about that, because we hide the debt we have. We pretend because consumer capitalism – that everything is okay, and it doesn’t appear that there’s any trouble – but we all know that that’s not the case. Americans are just drowning in debt, and not just student loan debt. I was just in awe of the fact that these graduates were walking around with a placard showing how much money they owe, and saying, “This is really a part of my identity.” I think what we need to work on is moving away from that just being your identity, but it needs to be solved. It just needs to be solved. That’s one of the reason why I come to D.C, – where I am right now, because we’re trying to get this done.

Jerry : Okay. Let’s talk about that. Your way of being able to make a difference is by – instead of picketing governmental offices – you’re actually walking through the doors and talking to people. So give us some history about that, and how is that making any difference.

Cryn : Well I run “All Education Matters” on a shoestring budget, as I said. I’ve been very lucky to have people who have debt send me $5 here and $10 there. That’s enabled me to come to Washington DC and walk the halls, and knock on the doors and have the conversations. Because these offices are lobbied 24/7 – including the White House, of course – by the lenders. The Washington Post ownes Kaplan – which is a for profit school. So the Senators and the Congressmen read those papers and they say, “Oh, what the problem? There is no problem.” Well, but that’s changing , and I don’t think I’m the only one. I’m not going to toot my own horn but I have to walk these halls. I have to have these face-to-face interactions – which I’ve been doing for years. It used to be that when I first started doing this – when I came back from South Korea after teaching there – they were telling me behind closed doors, “Yes, we agree with you. There is a student lending crisis.” but they wouldn’t say it publicly. This last summer I was on a phone call with several Senators – including Sharon Brown, and I’m forgetting the Senator’s name, I apologize – but this was with hundreds and hundreds of people who represent millenials – the youth generation. I brought up the problem of suicide, and a Senator publicly thanked me for having my ear to the ground, and let me know that I remind them – and I’m not the only one, of course – but he told me that I remind them that the current borrowers are struggling. I thought that was a huge moment for the indentured educated class, to be recognized publicly on a phone call in that way, and to be thanked for that. It’s not me . I’me streaming voices of other people. That’s what I’m doing.

Jerry : Well you are channeling the essence of the spirit. So let’s talk about that. Let’s say that you have been serving your role and your function in getting out this word and we also talk about the fact that if a student is willing to put a placard in front of them saying, “I owe $80,000 of student debt.” I think that their willingness to do that isn’t to show themselves as victims, as much to publicly acknowledge that, “Guess what? I don’t know what happened, maybe, but I’m up [a creek?] without a paddle”. So, I think its important that it has to be brought to people’s attention however it is done. And you’re doing your job on that. Now I’ve heard that there are some governmental agencies investigating the relationship between college administrators and bankers. Do you know anything about this?

Cryn : Um, if memory serves me – and if I’m following it correctly – the new consumer financial bureau, the new bureau which is the brainchild of Elizabeth Warren. I’m so glad she’s Senator now. They have been doing excellent work on investigating the “for profits” and putting out supurb reports about student loan debt. This is a very good thing, and so if this is what you are referring to. They’re doing some great stuff. That’s our tax dollars at work right there, and I’m delighted at this new bureau. The other thing is that people are not aware of IBR (Income Based Repayment) program. Now there is a problem with that thought, which I want to make clear to the listeners. This is a loan forgiveness progress if you have federal loans, which is forgiven after 20 years, which is good. However – and hopefully this will change, and a staffer told that it probably would or should – you will be taxed on the remaining amount that has been forgiven. So the year that your loans are forgiven, guess who’s going to come knocking at your door? The IRS, which is not good. I don’t understand why they put this in, why they have that, but this is something that absolutely has to change, because then what is the benefit of the loans being forgiven [crosstalk] when you owe $10,000 or more that year for taxes.

Jerry : Well, let me address that. There is no such thing as loan forgiveness. As far as I’m concerned there is just loan trickery. It’s a form of a shell game. When you think of it, the American student is the only class of citizen – other than a felon – who can not declare bankruptcy on their debt.

Cryn : Right. It’s ridiculous.Punish people for getting an education. Why? Why are we like that? It’s very odd. I don’t get it.

Jerry : It isn’t odd if you happen to be on one side of the political spectrum in which you hold the fact that, number one, everybody has to be accountable and responsible, and, number two, you also fill up your wallet at the local university or college so that you can continue your campaign of good citizenship. That’s a personal gripe of mine, and I think that the relationship between college administrators and bankers has got to be put out into the spotlight.

Cryn : Right. But I think that more than that, Jerry, for me I guess I’m at the point where it’s no longer about pointing fingers and blaming. It’s more that this is a systemic problem – and I’ve said this many times – that this is a terrible systemic problem. And it can be sorted out. Lightning can strike down in D.C., as a matter of fact, and things can change. I know that people might think that, “Oh, she has rose tinted glasses on.” but that’s happened. Especially if there is the power of the type of movement you see with Occupy, and you’ve got lots of “busy beavers” – if you will – people like me, who continually bring it up and bring it up. There can be push, and there can be movement. You can look at the civil rights movement to see that sort of thing. And that started -many people argue, historians – that the civil rights movement began in the early 1900s. Then we moved forward with Martin Luther King in the 60s. This stuff takes time, and that’s alright. Now I wish it could be stopped immediately because of the people who want to kill themselves. It’s horrible. It hurts me in my heart, deeply. But it takes time.

Jerry : Speaking of time. We could do 15 hours and not 15 Minutes of Fact, so what I must do is end the session now, but please let the listener know how they can reach you. For example, do you have an email address, a web site, a Twitter account,. How can they reach you.

Cryn : I want them to follow me on Twitter. I’m very responsive on that. My name is @Cryn_Johannsen. They can also subscribe to me on Facebook. Just look up my name. They can also email me. It’s ccrynjohannsen@gmail.com. I promise to try to get in touch with them as soon as possible. I’m lso a teacher and I’m writing a book about the student loan lending crisis, So, I’ll keep you posted on announcements about that. There’s a big thing coming out about that. I’m very busy at work and I’m also teaching English as a Second Language, which is a big honor. So, I’m [heavily involved?] in education, as you can tell.

Jerry : And what do you do in your spare time, Cryn.

Cryn : Um, [inaudible], I’m just very busy. Busy, busy, busy, solving problems.

Jerry : OKay, well one thing I will do is ask you to give us a final word before we sign off.

Cryn : A what? A final word? Well I guess it’s all those people who are out there suffering. I want them to know that they’re not alone. Especially those who are suicidal. Please don’t be that way. I want them to turn to people they trust – family and friends. People they can speak to about this. This is not something that you should end your life over. I cannot say that enough times. I’m also speaking from a personal perspective, not about debt, but a great deal of suffering. Through suffering you can see solutions and things can get better. That’s my final thoughts on that.

Jerry : That’s a wonderful thought, Cryn. This is Jerry Ashton here at WGRNradio.com, bringing you “15 Minutes of Fact” as an innoculation against the many hours of foe which is usually generated by mainstream media. So I want to thank my listeners for attending to this show. Be reminded that you are searching out my blog at the Huffington Post, and friending me there would be appreciated as well. Signing off, Jerry Ashton.

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