Lil Baby has followed through on a promise made four years ago, fully paying off over $24,000 in student debt for Nay Speaks, a first-generation graduate of Spelman College.
Speaks, an aspiring rapper who goes by @nayspeaks on social media, shared the news on her platforms this week, posting an emotional video that included screenshots of the cleared loan balance and her mother’s reaction to the notification email. The payment covered her largest remaining student loan, totaling approximately $24,074.97, effectively wiping out a significant portion of her debt.
The story dates back to April 2022, when Speaks — then a Spelman student facing tuition pressures ahead of graduation — posted a video freestyling over Lil Baby’s track “Mrs. Trendsetter.” In the clip, she directly appealed to the Atlanta rapper for assistance, closing with a call-out: “Lil Baby, pick up the phone!”
Lil Baby responded publicly by liking the video and commenting that he had “some on it,” while also reportedly reaching out directly. Though the full payoff did not happen immediately, he delivered years later, with the funds clearing the loan just days ago.
In her update, Speaks replayed the original 2022 freestyle alongside Lil Baby’s comment and the recent confirmation of the paid-off balance. She described the gesture as life-changing for a first-generation college student from the Atlanta area.
The move fits into Lil Baby’s ongoing pattern of community support. In 2020, the “Drip Too Hard” rapper established a scholarship at his former high school in Atlanta and has been vocal about investing in education and opportunities for local youth.
Speaks’ story has drawn widespread praise online, with many highlighting it as a notable example of an artist keeping their word. For the Spelman alum, the cleared debt removes a major financial hurdle as she moves forward with her music career.
