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high. Let's get right to the rundown first. Student loan repayments are starting back up in january for tens of millions of you but right now is when you should start preparing to pay up again. I've got the key advice you need to get ready then between the wildfires and flooding happening across the country, the thieves are out there taking advantage of people like you pulling donation scams when you just try to help now *** new tool that's gonna help you avoid them. Finally, streaming services are expensive, but there are ways you can get everything from netflix hulu for free first. How can you start getting ready to make those monthly loan payments again in january? Start doing something with that money right now. Either set it aside in savings, experts say. So you get used to that money coming out of your budget every month again or start paying off your loan. Now that way you make *** dent in your debt instead of paying toward interest. Also, if you have multiple student loans with different interest rates have wanted 8% 1 at 6% pay more money towards the one with 8% save more money. Finally check with your employer, this is *** great tip, some other benefits that match loan payments per year. Some of them offer that up to *** certain amount. Next up, the FTC is releasing *** new website that will help you figure out which scams you can fall victim to, here's the website, FTC dot gov slash explore data. We'll have *** link on rossen reports dot com here, you can click on your state to see which scams are hitting hardest at that moment real time and how much money was lost. But check this out. The FTC is actually letting you dive even deeper. You can zoom in to your metro area, your city, your neighborhood to see which scams are taking over locally to finally walmart and paramount just announced the partnership. Maybe you heard about it. If you're *** walmart plus program member you get free access to paramount plus. So that got me thinking how else can we get streaming services for free? And it turns out there are some ways. First up netflix. If you have select T mobile magenta and magenta max phone plans, you get *** standard netflix plan for free. Some *** T and T unlimited phone plans have *** free HBO max subscription perk to here's another one. Select Verizon, wireless unlimited data plans give you free access to *** bundle of Disney plus, hulu and ESPN. And while we're on the topic college students get *** great deal here, two for $5 *** month you can get Spotify premium hulu and showtime, help you paying back those debts just *** little bit that's all for today. Back to you