$136,000 debt and a $20,000 income? That's stupid!

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[@OCDTraci]

Art degree here. $60,000 in debt and no job prospects beyond a Cashier at Target. Sure do wish I would have found this video before I made this costly mistake.

[@MiloGotcha]

OCDTraci L

[@TRUMPisOPPA]

Same here. Trying to get into the military. When I was 18, I was just a kid and did not comprehend.

[@ittakesavillage5461]

OCDTraci any update? Have you looked into art degree jobs?

[@colkari]

OCDTraci ouch

[@skmetal7]

animation? virtual world design? virtual home design? CAD? graphic design?

[@JazzyPatt]

Your financial courses should be apart of high school curriculum.

[@gmvalentine626]

I so agree with that! It should be a requirement for graduation.

[@KatieLee235]

i believe about 30% of schools are teaching it now!!!

[@winxred12]

Jazzy Patt it was in my high school but I thought I was very smart and that I wouldn't fall trap to cc little did i know i would end up being in 30k in debt

[@monikasea]

Jazzy Patt exactly

[@Leocomander]

Jazzy Patt It was in my highschool. Great class!!!

[@markg999]

It isn't glamorous but get your AA from a community college and transfer to a state university for your BA. Will save a good amount of money.

[@abclawnworks9127]

Skip the AA as it is useless and often requires a few more classes. Example: my wife did what you suggest as a teacher. She skipped the AA and transferred with all classes counting and it basically saved her a semester to obtaining her bachelors.

[@markg999]

***** Yes that is alot for just a community college.

[@abclawnworks9127]

+Safee Ilmudeen a lot less than my wife and I owe.... Then again we have our masters

[@TexasEmperor]

+Mark G Went to Community College, transferred to a University for BS. Then wanted an MBA, went back to community college for the prerequisites and saved a bunch. Thanks Dave!

[@saral2601]

+ABC LawnWorks I transferred from one university to another in the same state. The university I transferred to did not accept all my classes so I would have to take more gen. ed. classes, so I did get my AA degree from the first university so the one I transferred to had to accept all my gen ed, classes.

[@MichaelDavis-cj1yj]

Dave Ramsey's insights have been a game-changer for me! His practical approach to financial management has empowered me to take control of my money and work towards a debt-free life. The Total Money Makeover is my go-to guide, and I appreciate how he breaks down complex concepts into easy-to-follow steps

[@JenniferS2388]

He may sound rude or mean, but he's exactly right. I wish more people had the guts to tell it like it is to 17-18 year olds who want to waste their money on worthless out of state degrees. You are doing them a FAVOR by telling them these harsh realities.

[@ChrisMorgan86]

well said, Jennifer

[@SheMeetsCity]

Its sad that the college life, is not THOROUGHLY explained in our public high schools. They just tell you to fill out an application, and go. Thats not how it works, at all. Just so sad..

[@jaredlopez2926]

This is a relatively new phenomenon in the history of student loan debt. It's only been on borrowers radar for a decade now. George Bush and his cronies at SallieMae made it impossible to get rid of this debt through bankruptcy. That's where the problem lies. Politicians, high school and university bureaucrats are scum.

[@hoodflix7544]

Teenagers are driven a lot in part by what others think. I remember graduating and it was like a popularity thing where u we’re going to school in the fall.. lot of those kids either dropped out or have insurmountable loans. But the problem is their parents because they were told from a young age going to a prestigious college is how u become successful

[@thedwade01]

I wanted to major in history because I really enjoyed it in high school but my parents said if I was so interested in history I should minor in it and major in something practical. I majored in economics and I minored in history and now I work at an investment bank. I’m SO GLAD I listened to them! Keep preaching Dave! Big fan!

[@DistopiaKosaki]

How much do you make?

[@FrauIndian]

You could back to school part time to finish the history degree.

[@BrianCheng24]

I will never ever ever understand how some people choose to go to a university out of state and quadruple the tuition just because they want to be out of state and "to be away from their parents." That is the definition of stupidity.

[@francisp.4992]

Brian Cheng trust me if you really hate your parents and you need to find a way to leave them the student debt wouldn't seem like a big deal.

[@blacklyfe5543]

Francis Petro facts

[@mkgzt]

Because they go where their friends go...

[@sniperpronerfmods9811]

Hey try getting a good eduction and school for tech is bassicly impossible to do in Florida

[@prospera4680]

It depends if the institution is private or public. Private schools usually don’t have different tuition costs for in-state and out-of state students, it’s all the same. But for public state schools there is.

[@ferdhinico.3402]

At 17 and 18 you really don't know what you're doing

[@fireeye33]

Ferdhini & Co. that’s not correct, it depends on their parents. I have 2 kids age 10 and 12 they know not to take photography major just because they love to take pictures. They know computer engineering is what needed in the job field right now

[@Light-vu6ws]

It depends on your upbringing and knowledge.

[@bryangomez1384]

not true, that's just an excuse, I have three degrees.

[@anroopsingh5286]

Bryan Gomez well I drive a truck and I probably make more, lesson is if u work hard it is easy to make over 70k

[@shortchubbyneckbeard1681]

Cewek Boston Not everybody has good parents or comes from a middle class background Just so you know

[@ripperduck]

As a former HS teacher, I can tell you that well over 1/2 of my students were not ready for college. They were too immature, had no idea what college debt was, that NO public uni is worth 60k in debt, that college isn't about experiencing a lifestyle, it's about getting an education, and if you don't know how to do it, then you're not ready for college. It is stupid to go into debt for any public uni, too stupid to attend college...

[@icedcoffee6461]

ripperduck high schools should have finiancial classes instead of learning for years about old dead presidents in history classes . They should teach kids about the real world

[@thewatlingtons6047]

@@icedcoffee6461 I second that! And teach about CREDIT and Credit utilization. You know..things that basically determine how much you'll finance your HOUSE or CAR for. Since you know....all of us are not rich.

[@private9260]

I think you hit the nail on the head with saying its not a "lifestyle", bc thats a HUGE issue. Many parents think there is a college "lifestyle" that their kid should experience bc if they dont then they arent a good parent.

[@nicholasselke5214]

@thewatlingtons6047 I’ll tell you right now exactly how much you should finance a car for: ZERO. People should buy what they can afford to pay cash for instead of feeding into the great FICO scam. Borrow for a house, sure. But only the bare minimum, never buy at the top of one’s budget, pay it off as quickly as possible. After that, never borrow money again. And before that, never borrow money for anything besides a house

[@amandanorthern2467]

I wish someone would have looked at me and said, "No stupid you cannot take out 50K in debt for a Sociology degree" before I did it.

[@Swess2908]

lel

[@Elizabeth-uj8vn]

Amanda Northern Im sorry to hear that

[@SxyGrl44]

But thank God you’re wiser now and now you can school your children and love ones, if you can, about this. I’ll be sending this video to my sister...

[@Bobxchen333]

And student loan is one of the few loans that can NOT be dismissed through bankruptcy, unless you are disabled or die. The other one maybe if you owe IRS money.

[@cocolina53348]

What do you even do with a sociology degree 😂😂

[@alphacentaury]

Finished my nursing degree with zero debt and only cost me around $15k First, went to community college got my ADN $6k Got a job after I passed NCLEX Started BSN right away $9k. Some coworkers are in some much debt from $30k up to $100k. Reason, they decided to attend expensive schools just for the prestige/name. At the end, we make the same money regardless on what school we went.

[@BoxingWave]

I F**KIN LOVE WHEN THIS GUY RANTS!!!!!!

[@sophiabalboa2588]

Lol. Glad I'm not the only one. I only choose the videos with the rants.

[@ronwhiteleo3352]

i think some people just call with stuff, just to get an ole man rant out of him.. lol

[@KyleHong]

holy effing s!@#. You also watch Dave Ramsey?! Dayum. :D

[@ronwhiteleo3352]

yes idiot.. stop trolling me...

[@KyleHong]

ron whiteleo Not talking to you dude. I was talking to BoxingWave.

[@ir10031981]

If I were to go over $100,000 in debt, it better be on a house.

[@manictiger]

@Victoria Adeyemi Yeah, that's what makes these stupid degrees even worse. They use before-tax dollars. People really do seem to want to be slaves, just as long as the shackles are made of math, not steel.

[@kimberlyalvarez3039]

Exactly

[@itsmorgan1017]

Nahhh it better be for some life saving surgery

[@mprasus]

People need to choose their careers wisely, like high in demand careers. I went for nursing and I'm always getting calls for jobs and very decent pay.

[@llllll-ux2lz]

Blessed

[@mikey51951]

🙌🙌 nurse here as well

[@kimjuanjun7124]

Nursing will always be I high demand especially when people are always getting sick

[@kimjuanjun7124]

Higher Pitched Eric Have you tried in clearing it from your record?

[@TB-vb3ov]

@@nickimillennium 50k seems rather low for a LPN. You just starting out or live/work in a rural town? Most nurses in CA make 75-150k.

[@thomasmorrison3279]

I borrowed $95k for law school, but paid it off in 5 years after I got a job.

[@Jessica-lq3dj]

What type of law did you study?

[@ladye2818]

Hello Thomas ! How are you doing now?! What kind of attorney are you?

[@VVVV-yr4tp]

My cat has $32,000 in student loans

[@Garyruizjr]

Chata bien Cagada...

[@aaron___6014]

+Slappy McSlapnuts That's pretty common nowadays.

[@candyluna2929]

But he is cute!!

[@thaddiusglunt2424]

This made me laugh so hard haha

[@pollodormido2]

Garfield for lasagna!

[@Xanduur]

Many people don't have a choice but to take out student debt. My parents stole my $20,000 college money that my grandmother gave me. They spent every penny of it. I was forced into the military where I became a disabled veteran. If I could do it again I would've taken the student debt versus being physically disabled for the rest of my life with a back injury.

[@TRUMPisOPPA]

Thank you for your service. Wish I served instead of taking out those high loans.

[@alextogo8367]

They should be ashame. Wether they have remorse or not. The damage is already done.

[@francisp.4992]

Joe Edwards what did your parents spend your money on any ways?

[@ZGaming2018]

Joe Edwards if you’re a veteran you should be eligible for the G.I bill paid for in full for your service.

[@upfulsoul826]

Had you gone to college you might have died or maybe been disabled worst by some accident. There's no way to predict how your life would have turned out.

[@Elizabeth-uj8vn]

This makes me wonder someone is on a yacht somewhere laughing at us.

[@icedcoffee6461]

Elizabeth L a yacht they took out with a loan lol

[@jordanneedscoffee]

No, no not really. People aren't getting rich off of it there's just a lot of people doing absolutely nothing and getting paid for it in public university bureaucracies. Well I guess there are SOME rich people, the politicians who won votes by promising subsidized college got tons of financial support and made tens even hundreds of millions of dollars in "speaking fees".

[@mariosmatzoros3553]

@@jordanneedscoffee what about entrepreneurs? Some of them make billions...

[@jordanneedscoffee]

@@mariosmatzoros3553 Yeah, so? Entrepreneurs aren't making money off of students taking out insanely large loans from the government. That's like saying Dave himself is profiting from them doing this. The people profiting from this would be the bureaucrats working in these colleges and the politicians who pushed and continue to push for government loans to be given to students.

[@mariosmatzoros3553]

@@jordanneedscoffee Oh sorry I misunderstood what you meant.

[@davidsw92]

If you like history so much, why not just read a few books from the library for free.

[@davester1970]

+davidsw92 I like history too. That is why I would rather spend $20 for a history book from a Barnes & Noble than to spend $25K per year at a university.

[@crammit6601]

Or Wikipedia

[@Terryshowedup]

Because maybe they want a job as a historian? KZbin isn't going to get you hired if that's your passion

[@amandah9857]

These kids need to do internships while in college. I know many paralegals with history degrees. They just worked their way up and added a few paralegal classes into their minor. Research people.

[@Countcho]

History class is just english class with a history theme.

[@AmmoTest]

20k income 136k debt...sounds like federal gov't.

[@commonpersonopinion3807]

hahhahaahahaha

[@ij1376]

fed gov is probably worse percentage-wise. lol

[@bryanmartinez6600]

Ammo Test well I wish the United States called him and told him that they are in trillions in debt and keep adding more debt...would see what he would say

[@kittentryingtostartayoutub262]

That's Stupid!

[@begonesoon5864]

except they print the money

[@NoName-zk7rz]

This makes me glad I postponed college for years because I was scared to go in debt. I always told myself if I dont get a full ride, college can wait. Now I'm going into technical college, all paid for, to be a court reporter, legal assistant, and paralegal. Then I'm going to pay for my college cash and move forward to become a prosecutor.

[@buckeye-pe6df]

Are you on your way to law school?

[@spiritisalive1]

Ugh, I wish I had heard this rant like 14 years ago. I was first in my family to get a degree and really had no guidance in any off this. Signed a bunch of papers to try to earn a living to support my 2 children and myself. Instead of crawling out of a pit, it was like I jumped further into it. I'm a stay at home mom now tending to 3 kids and the student loan people don't give a rip stitch about our circumstances. & trust me the man is telling the truth, these loans DO NOT GO AWAY. You will have them for ETERNITY. We are working hard to pay them off, but this all could have been avoided if I had a clearer understanding. There is NO excuse for ignorance. Please don't learn the hard way, it hurts.

[@Karma20XX]

There is a difference between being naive and being manipulated so someone else can make a buck. This shouldn't even be allowed to happen.

[@ItzDjanelle]

It's not wise to have kids and be in a great amount of debt. I'm sure you knew or had an idea that the debt had to be paid back someday.

[@Karma20XX]

Nelley Having to pay back debt isn't the issue. Research Navient and for profit colleges and you will see the government has sold out young adults to banks. The taxpayers don't get anything from a third party company inflating the interest so much that a student paying on time who has paid what they borrowed many times over on time for over a decade can owe more than what they started with. The loan system has completely changed since 9/11 and blaming 18 year olds while turning a blind eye to the lobbyists slanting the laws even more isn't going to solve anything. They managed to get rid of the self sustainable Perkins loan program because people were able to pay off their debts. No one noticed or cared but the truth is that the government is contracting companies that actively want to keep students in debt and will do everything in their power to make sure they are never able to fully pay off any loan.

[@ItzDjanelle]

Karma Yup, that is all true, that is why it's best to try not take on loans in the first place, or always look at the policies and interest rates. Federal loans are not so bad, at least their interest rates stays the same, just make sure try to pay it off right away. Private loans on the other hand are terrible

[@spiritisalive1]

Nelley Right we did. We also weren't expecting the 3rd child or my job to fold, or my husband to get into a terrible accident that resulted in him being out of work for 9 months with rods sticking out of every part of his body, multiple surgeries, and rehab. You think anyone who gives out a loan government or not cares about our circumstances? Nope. All I was saying is I did not do my research, so I was misinformed and misguided in trying to "help" my family situation and was commenting to those who don't have guidance either. We still paid our bills, and at times robbed Peter to pay Paul, but not once did we ever say, I took out loans, not gonna pay them. Very sorry if I gave you that impression, but it's just not who we are. Just saying it's been an unnecessary struggle.

[@Wmoore1]

I wish I found you when I was younger. Battling debt that could have been easily avoided had I found the proper guidance...

[@tigerex777]

I paid through college all CASH, full time school with a full time job. I didn't want any loans from the government so I sacrificed free time and a little bit of my sanity so I didn't have to borrow money. Graduated with zero school debt.

[@BadDriversofCentralArkansas]

Good for you dude, keep it up!

[@-a5919]

+Daniel Lim I salute you sir. That's all I have to say. I am fortunate enough to come from the country where higher education is free for almost everyone. I didn't have to work to go through school. And I have no debt what so ever. I have my engineering degree and it is free! As a matter of fact I had some benefits just for been engineering student.

[@tigerex777]

+Ivan “HAL9000xx” Sretenović You must be European, however you probably pay a lot more taxes but have free education and a much better health care. My cousin grew up in Germany and she never had to pay for school either, and now she is a doctor married to an Italian medical school professor in Germany. I think free education is a wonderful thing because so many people in the US are in so much debt after they graduate. My sister graduated from Columbia University for her masters degree in social working and now she has a pretty decent job but she came out of Columbia with a 89k debt. I know that is nothing compared to so many others with a much higher debt.

[@-a5919]

Daniel Lim You are absolutely right. I am European. How ever I do live in US for the past 10 years so I can compare. It sure is a trade off. Taxes are higher but listen this, not by that much. It appears someone wants to scare people here with: "Yeah you want socialist Europe? Look how much they pay in taxes". Let me tell you the big secret it is NOT $80 000 over the course of 30 years which is pretty much how much people are in debt here for the things we got for free. But there is trade off. In economy there is no such a reality as something for nothing. But some things like housing, education and health care are over blown here. There is no one on earth that can explain me why it costs so much. For instance I don't think problem in US is health insurance. I think the problem is criminal prices hospitals charge!!!!!! Bring the prices down to there fair rate and insurance will go down and very fast vast majority of population WILL have health insurance....

[@tigerex777]

+Ivan “HAL9000xx” Sretenović haha I hear you Ivan, medical care in the US is ridiculously high. In fact, right at this very moment one of my mother's friend came to Korea to get medical care for cancer, because it was too expensive in the US even with insurance. Isn't that ridiculous? that you have to go to a different country because the country you live in, which is one of the richest in the world, can't provide you decent medical care? So much money goes to the military and other useless sectors, while education and other social programs are sub-par compared to other developed countries.

[@nfldshorty21]

Keep in mind you can make up to 60 dollars an hour as an electrician. Most jobs will pay for your schooling and teach you through out your apprenticeship. I see electrician jobs every where. No debt required

[@workingshlub8861]

you are 100% right ..i make decent money as a carpenter but ive got a buddy who is a plumber and has lawyers and doctors as neighbors..makes bank

[@etaylor8028]

But some people actually want to become successful in a certain field and a degree is required for that. If you want to become an electrician or carpenter (or an actor or singer), then great no degree required. But if you want to be a doctor or an engineer then you absolutely need the degree. The degree is necessary as it teaches you the methodology. The maths is a lot more complicated as a mechanical engineer, vs as a mechanic. It’s not just about money.

[@SheMeetsCity]

Im sorry, but thats ridiculous. This woman kept picking up debts, rather than pumping the brakes and re-evalulating. My boyfriend went to the University of GA, and worked 2 jobs and a summer job selling books, to pay his way through, and clear up debt that he owed to his parents. People need to get out of this college fairytale world and wake up. The loans add up! While she was in school, I guess she shouldve been working a FT job as well. Dont know her situation, but...Ill pray for her.

[@HandsomeSwede]

Your boyfriend is a financial stud. I hope I can raise my son to be as responsible as your boyfriend is.

[@Philippinesbound42]

Your boyfriend is a bum

[@thelegendkillersshittyduff1335]

Praying to who

[@NotShowingOff]

This all depends on how you value money, your opportunities...etc. Debt buys time. If a person is working jobs and doing a degree, depending on the degree, it might be worthless cause he/she is failing the class. Math, physics, engineering. These are investments.

[@fowziajama4741]

She Meets City ,go dawgs!!

[@katrinaumana2127]

Private Sudent loans ARE forever. You can NOT file for bankruptcy. If you die the private student loan people will sue your estate for the balance. I got my Master Degree in teaching came out with a total of $14,882. Paid it off in 5 years. Have zero credit card debt. My ONLY debts is my house 🏠. My kids will NOT goto college AND major in basketweaving. Either a trade school for plumbing or electrician or a marketable degree like electrical engineering, nursing, etc..

[@katrinaumana2127]

***** No basketweaving isn't a legit major but is a place holder for History, African-American Studies, Art History, Sociology, etc... majors that aren't marketable. Petroleum Engineering is the most in demand degrees. I think Chinese or Arabic or Spanish majors could be in high demand for translation NEEDS.

[@adjones87]

Katrina Umana My husband and I signed a document stating that our loans are forgotten in the event of the student's death. I have never heard of a company coming after the estate. I've heard that on credit cards and other consumer debt, but not school loans.

[@katrinaumana2127]

Then you and your husband must have ONLY government loans. Those loans are in fact discharged upon your death. However, private student loans are attached forever and if you have any assessts after you die the private student loan companies will sue to get their remaining balance. Federal Loans Die With You The federal loan dies with the borrower, and it’s very simple. The surviving people (family member or estate representative) fills out a Death Discharge to officially notify the Department of Education that the borrower has passed away. You’ll usually have to send in a certified copy of the death certificate to the school (for a Federal Perkins Loan) or to the loan servicer (for a Direct Loan or FFEL Program loan). The school or servicer verifies the information and the loan goes away. It should not affect the estate. Private Student Loans Private loans are completely different because they are like any other consumer debt and attaches to the estate. I’m not an estate lawyer, so you’ll need to talk with one to determine the impact of the debt on your assets. This was taken from Joshua R.I. Cohen a student loan lawyer. I was referring to private loans.

[@adjones87]

+Katrina Umana Yes, we do. I was raised that private student loans are the Devil and to never get them.lol I guess that's harder to do if you get extended degrees but my husband is getting a trade associates and I'm going for a Bachelors.

[@adjones87]

Yes, disability is as close to death as it gets for SL forgiveness. Also, very rare cases of bankruptcy and job displacement...like if you were to go to college for cassette player making.lol

[@pranksterguy1]

"I missed where the lady got helped". So right! I just got my degree in 12th Century Norwegian Literature and here I am speaking into a mike saying "Did you wanna supersize that"? What's going on???

[@charlesvonhabsburg3107]

My college offers a Scandinavian studies degree. Probably not that far off from 12th century Norwegian literature! Hahahaha!

[@pranksterguy1]

+J Winx Do they really? How much $ do you think it would cost to get that degree at your college? Thanks!

[@charlesvonhabsburg3107]

pranksterguy1 The total price is about $19,000 this year so I wouldn't be surprised if someone sank $100,000 into it by the time they're done. Absolutely Ridiculous. People try to justify it by saying they could get a job in international relations but that is why they have an international relations degree, which is probably much more employable.

[@pranksterguy1]

+J Winx Freakin' amazing!!! Have a great weekend!

[@NoGodsNoMasters1885]

+J Winx IR degree holder here. Unless you attend a very elite school (The Ivy Leagues or John's Hopkins' of the world) and are very...and I mean very, well-connected to the government, very wealthy, are a wiz at languages or pass through the FSO process with flying colors, I would definitely put thought into pursuing another field altogether. If you truly had your heart set on it, something like the military's G.I. Bill would definitely be far more useful in that pursuit.

[@nathancmorales]

I have a history degree, but I didn't leave the state and I paid for it while I was attending. I left school without any debt. It can be done. Did I have the crazy party, dorm-room college experience? Nope. I worked and went to school without a dime from my family. If I can do it, so can you.

[@raptorkil]

probably not in the current times

[@DistopiaKosaki]

How much do you make?

[@MarkYeung1]

Good for you 👍

[@alibeatz2170]

The poor in Africa are richer than most Americans because of debt. IRONY.

[@OrientalStories]

Jakir Ali newly graduated general practitioner is paid 150usd a month for more than 40 hr per week

[@OrientalStories]

in egypt

[@Confettifun]

Mohammed fawzi yeah, after giving 2-4 years getting paid less than 50K a year and with 200k+ debt with crazy interest rates :)

[@charlesvonhabsburg3107]

I kid you not the college I attend has a "Scandinavian Studies" degree!

[@sndrella7797]

+J Winx Hope the 1st lesson is: Go to college in Scandinavia. Tuition at best universities are approx $200 a year. And student loan interest rates are ~2%

[@charlesvonhabsburg3107]

sndrella I thought that was only for citizens.

[@sndrella7797]

Well.. It is possible to get loans as a foreigner. But not easy. (kinda have to be in those countries for a period of time working or other education). So my point is kinda invalid yes.... :P

[@CodiTheJedi]

College wasn't invented for the purpose of securing a job once you're finished. It was created to further educate rich people/people that could afford it. It's sad that the USA culture is now to go to school and get a degree without even realizing what you're doing and no idea of even what all that debt is really going to mean when you're done.

[@charlesvonhabsburg3107]

CodiTheJedi What college was invented for has no relevance today. In the beginning they were exclusively religious institutions. With the price of college today if you are not going to college to get a job or further your career you have no business going to college. That is the only purpose of a degree and it is the only purpose of college education. A degree is a piece of paper that says you have been educated in a certain field and you are qualified to do that job.

[@ChooseU4ever]

When i went to college, i really wanted a student loan. My dad wasn't having it. I ended up not taking one. Throughout college i envied students with student loans, the lived theee life. Now they envy me. Thank you dad

[@BigEvan96]

Yeah all of those kids who lived "the life" now have to pay back all that money. The sad part is, they want loan forgiveness despite the fact that they were living it up on someone elses dime without any intention of paying it back.

[@georgiadoll8870]

$25,000 for a psychology degree that I have been paying on since 2003... it’s 2018 and I still owe $19,900 on it. It never goes away!

[@nanawordie7967]

John Doe fr

[@nanawordie7967]

John Doe I don’t tf. You’re not the boss of me so I’ll comment whatever I want...

[@ES1Baller]

“What’s your household income?”

[@RoyceBenning]

Have you been paying just the minimum?

[@negativesplits06]

So you paid about $5000 in 15 years??

[@fitwill73]

The best thing to do is go to a junior college and then transfer to university your last two years. I believe the whole college system and what we've been taught here in America is a scam. Why does college cost so much here in the US? I have friends from other countries that pay little to nothing to get an education. Another important thing is to choose your career wisely where you will be able to find a job and one that pays well. And sometimes a four year degree is not always necessary. There are great careers that require a 2 year certificate and pay more than careers that require a four year degree. For example, a dental hygienist, a person that assists the dentist, here in the Chicagoland area, makes a minimum starting pay of $50,000-$60,000 and it can go up to $74,000-$90,000. Not bad for just a 2 year certificate...Just be smart when choosing your career.

[@weezy2628]

Yea I went to coyne college for a year and got a job at Ohare making 46k a year and I'm only 20 . I got 9k in debt and that's all loan debt It should be payed in full by December of this year . Then it's heavily investing

[@kristethba7475]

Its so expensive because people go OUT OF STATE. Some people just don't have that privilege and they need to learn.

[@wmluna381]

@@weezy2628 What is your general occupation in?

[@jacobo9611]

Because MOSTLY democrats want more money into schools so they can hire more teachers/administrators/staff. Heaven forbid budget cutting the History of Landscaping Department at a campus

[@PRANKurFACE]

I feel allot better about dropping out of college.. got into the electrical field. Apprentice and finally a journeyman license after 5 years. I feel like $78k a year isn't great but hey it's wonderful with no debt. 💪 Feels great

[@gman5069]

78k is about 25k above the average salary u should be happy bro....thats pretty good for a electrician. And u can always make more money doing side work.

[@jacobo9611]

Nice, were probably around the same age, remember when they didn't mention anything about the trade fields jobs? Now they can't even fill them.

[@manictiger]

​@@gman5069 Median individual income was 31,099 in 2016. 78k a year is quite good compared to that. To me, it's not enough, but I have extremely high standards and took pretty heavy risks to earn what I get. But, yeah, 78k is livable. After 10 years of really good management, you could own a couple properties, collecting rent, on top of owning 500k+ of equity (because of taxes, you can't hoard all 780k).

[@naana-scelyne6370]

78k isn’t good enough? What planet do you live on !RN make that or even less

[@johnthomas5779]

Very smart move

[@Karma20XX]

Students are stupid? It's the school / parents / everyone in that teenagers life pushing them to college. That loan is pitched as "financial aid" Even if you choose a practical degree: doctors, lawyers and teachers are coming out broke. It's not that the govt is stupid. They know what they are doing. They are the ones giving to the contracts to the bank. If you're mad about your tax payment don't blame the innocent student just trying to improve their lives because they were being used without their knowledge. You can't be mad if all you do is put blame on the student and ignore every time Sallie Mae breaks the law with no repercussions. We had successful loan programs that were able to be paid off (Perkins) but no one noticed when those programs disappeared in favor of a bank that randomly charges whatever interest they feel like that day. The answer isn't that we should all be less educated. The answer is that we need enough public outrage to fix the program. Either way your tax dollars are going to millionaire CEO pockets because any hot dog stand calling itself a "university" qualifies for this scam of a student aid program. It would actually be cheaper for community colleges to be free at that point but no one votes for it because you're all too unaware of how much taxpayer money is going to a bank.

[@revben]

$30000 in debt, and no body listened when I said I did not want to go to college. But they were making me do the right/s

[@luckdjinasimeon7]

Joroz006 😄😄😄😅 I'm dead

[@ILovePancakes24]

wrong again nerd, the problem is not with the banks or the government. The problem is with the students. The stupids signing up for all this debt, and hooking themselves on the obvious trap are the problem. If they stopped hooking themselves on the line, this scam would dry up quickly but theres a million suckers graduating each year.

[@breevestal]

So thankful I came across Dave when my kids are little so we can give them good advice so they don’t go into a debt death spiral

[@CasiodorusRex]

Exactly! Parents need to be stepping in and advising their children.

[@TheRamseyShow]

Stay up to date with the latest videos from The Dave Ramsey Show by subscribing! kzbin.info

[@vjadhav1988]

Well if this girl has learned her lesson she could explore the loan forgiveness programs such PSLF but that would only apply to the federal loans.

[@noreenn6976]

please add the link for the original call's video

[@cherylbarfield4502]

Noreen N

[@cherylbarfield4502]

Veerendra Jadhav

[@Sig721Tau]

Its easy for you to say, Dave Ramsey. Not all young college students have rich or wealthy parents to give them money for college to circumvent to student loan banks, etc.

[@GordoDustin]

I love how blunt Dave is on this. The government is moronic on this subject. We need to stop giving money to kids who don't have a clue what they're gonna do.

[@deepmolloy2]

to be fair, parents, the X generation, went to school when tuition was still low, I went to a state school ( a public Ivy no less) in early1990's and got a liberal arts degree I had a $10 debt. These day's its easily 6 times that and that is barely one generation removed. I don't think the parents even realize this

[@Iandavidandrino]

6 x 10$ ??

[@marty1076]

@@Iandavidandrino I think he probably meant $10k. 10,000 x 6 would be $60,000 which is high but normal for a 'public ivy' school.

[@supremevision631]

Went to the car dealership today and all I could hear was Dave's voice in my head "your buried up to your frigging ears in car debt" so I got the heck out of there...

[@chuckhines459]

I know people that have degrees and can't get a job. Now they owe $100,000 with no job. That's sad.

[@ykook7000]

they expect too much just because you have a degree does not guarantee you a job...plus they probably won't take a job that they think is "beneath them"

[@LittleHatori]

"DID YOU HEAR THAT CALL AMERICA?" NO ACTUALLY.

[@ykook7000]

l know right! 😂

[@richardgalvan4639]

Right?🤣🤣🤣🤣🤣🤣

[@blackbutterfly233ify]

Lol

[@jcsfive5670]

It’s killing me mentally just to know I’m 18k in student loan debt while getting my paramedic certification. Luckily I already work full time as a firefighter/emt. Going to pay that debt off very fast after I’m done with school at the end of next summer.

[@gigi8528]

Some parents don't know shit! And that's even scarier because they can't warn you about avoiding bad college decisions.

[@emmaociee]

Look, I have a history degree. People don't understand that history isn't reading about the past. It's a way of researching, writing, and comparative analysis. It prepared me to be in leadership at the job I'm in now...but I had to use the tools that my degree gave me and apply them in a different way. The problem with humanities degrees is the same problem that other degrees have. People think that they should get a free ticket to a career. Guess what, it ALL takes hustle. And now I'm going back to school for my masters in HR...does that mean I regret my bachelor's? NO! It made me into the person who has the insight to thrive in human resources. The problem is that people aren't willing to self study, pivot, and honor their past while pursuing their future. Student loans have made people so bitter when they aren't handed a career in a hand basket. (I know I'm commenting years after everyone else...but someone in the future might need this encouragement. Its not a shot in the foot to pursue humanities if you utilize those skills to make yourself an asset. But PLEASE cash flow...it's worth the wait to finish school with no student loan debt.)

[@fer-curium1650]

Thanks for your comment. I’m studying history and I always feel like some people don’t hustle for what they want. I’m business orientated as well and I know I’ll get a job because I get the job done.

[@illegalalien6542]

Meanwhile no one cares

[@alia7750]

FER- CURIUM1 you still have a pathetic history degree idiot lol.

[@uhsenli6424]

problem is also she doesn't know how to look for a better job. There are jobs out there with history degree making 50,000.

[@TheMrJayAM]

+Uhsen Li Exactly. I graduated with a History degree (w/o any student loans though) and my first job made just over $30K and that was about 15 years ago. $20K isn't even $10/hr full time.

[@Teddyatlastwobrsincells]

Uhsen Li and I make 80k+ (no degree)

[@cm01]

I don't understand why she doesn't get a teaching certificate. Sure she'll start at like $30k, but in a few years she'll make $50k and have great security and benefits. All to regurgitate stuff she learned in high school.

[@emilyroberts5662]

Exactly. She just isn't business savvy enough to sell herself to employers.

[@SharronV]

Exactly! Here, in my state they start off making at least 40k with excellent benefits.

[@mgh201219]

We need more trade schools.

[@kimjuanjun7124]

mgh201219 there are plenty but the problem is they have little to no student to instruct

[@marcoyanez5487]

Yes, we have them but we publicly shame them and they are underrated because the social standard is "go to college."

[@quantumfoam140]

Marco Yanez Q: What did the doctor say to the electrician when the lights went out? A: “How much $ ????”

[@marcoyanez5487]

@@quantumfoam140 hahaha

[@lamingtongirl123]

Marco Yanez that’s just the way things are I hope you never expect society to appreciate you cuz they won’t...

[@shaochiavang]

I really don't understand how people can go that far in debt for their education..

[@SeanP7195]

I don't understand some parents. They spend their entire childs life forcing them to do homework, to study, to do right, and get a good job and go to College etc. Then they turn 18 and take out 80k to get a silly degree and the parent says.......Oh well, they are 18, they are adults. Insanity.

[@GoogleAccount00]

💯

[@christianbonilla2768]

SeanP7195 but at 18 they can’t drink or buy lottery tickets but they can get into debt for a college degree.... no wonder the world laughs at us.

[@SeanP7195]

@@OpiumBride And thats how you can mess your kids up financially for many years and thats what Universities are banking on.

[@ManOfDeath567]

This is similar to how some parents don't allow dating during teenhood but expect marriage the second adulthood arrives. Dating standards as a parent are fine, but expecting marriage in the snap of a finger is too demanding.

[@Mariahsdunham]

I just don't understand how anyone with a 35-40 hour a week job can be below the poverty line in the US. You can get a degree that everyone tells you to get because they need people, you get out of college 4 years later. Where's my job? Ya about that, everyone else got told the same thing so the people who were a year or 2 ahead of you got the jobs. What do I do now? Walmarts hiring at $9 an hour. There you go college degree and below the poverty line and that's above minimum wage.

[@MsSassyMT]

Sally Mae gave a loan to a crook who stole my daughter's identity and she's been fighting to clear her name for well over a year, has filed a police report and they are still sending her bills.

[@Swess2908]

She needs to sue thats the only way she will get the attention she deserves.

[@schmittytrucker3845]

If there is a police report and she didn't open the debt, they can't touch her. Don't pay a penny of it. Send them the police report, tell them she isn't liable for a debt she didn't open and you won't pay. They will have you fill out affidavits and they have no choice but to pursue the crook or drop it. If you know who did it, that's even better

[@christineperez562]

Student loans are horrible.

[@ckmckay7636]

The college's should be held accountable! Scandinavian studies??? Harry Potter studies???!!!??? I say sue the schools that have phony non job getting degrees!!! Any college that doesn't help get jobs, DON'T GO THERE!!

[@ErickaWilliamsCC]

she would have to get a trade.. electrician, plumber, truck driver that only works during the week. she is going to sacrifice for 1 to 2 years. if she could get into real estate or sales that would be a great field.

[@petejunebug]

Ericka Williams Real estate requires initial capital...

[@ErickaWilliamsCC]

Parker Samples real estate agent.

[@kimjuanjun7124]

Ericka Williams Real estate agent is though if you tell me. I rather be a accountant or nurse instead

[@stewdog22]

Sales is not a good job. Especially commission based. You’re wrong.

[@trilfy]

Truck driving, because they let you take your kids/ dog with you to work. And if you don't have anywhere to live you can live in your truck win/win situation for her.

[@MsMikuHatsume]

You shouldn't go in debt for any major especially if it is something that isn't guaranteed to make you a lot of money to pay back that debt.

[@marcoyanez5487]

What about something with computers? Computer science, cyber security, etc...?

[@channie3473]

Doctor, Lawyer, Engineer, Compuer Scientist etc. are maiinly the things that are actually worth going into debt for.

[@amydassi4429]

Channie what about applied math as a major?

[@davester1970]

I am a 45 year old man who never had children. If I did and they wanting dear ole dad to pay for their tuition, I would be asking the following questions: 1) What are your life goals? 2) What do you plan on majoring in? 3) What do you plan on doing with a a degree in your field of study? 4) How much is the tuition? If they can't adequately answer those questions, then I won't spend one dime on their education. They better hope someone else is offering a scholarship for them to major in history, philosophy, gender studies or some other humanity major that have no commercial value outside of academia. That is because I am not going to get suckered into paying for someone just to go to college without a life plan.

[@5065ca]

I NEVER understood why people bragged about going to School away from home???🤔🤔🤔

[@donaldtramp470]

They're usually trust fund babies.

[@nql9430]

oh I know. A friend of mine paid for her kids' college tuition fees (full fees). One kid got a degree in Social work - making $10 hr. The other kid got a degree in History and a minor in English. Now he's working at a gas station making $7 hr. They both live at home with the parents.

[@BigEvan96]

Wow.

[@illegalalien6542]

No suprise there

[@diamondunicorn2421]

I agree. My daughter is almost 15. I already told her. Your not going to college for a degree that'll be irrelevant. Go to a 2 year community college to perfect the craft you like to make into a career. Youll owe less. I have no college degree and make more than a college graduate. Been on my job almost 2 decades. It took time..but i dont owe the government a dime in student loans!

[@kauntroap6339]

i agree with you. my husband has no degree and make 100k per year

[@vikkzx]

I got an associate degree that imo barely worth the paper it's printed on. I work in the trades in heavy civil construction as a superintendent which I worked my way up from labor and make 6 figures plus bonuses. I told my wife we will not push our kids for college and instead we will tell them to find something they like and then go to college.

[@zhbvenkhoReload]

I got a History degree and can teach. I went to a local university that charged me 1600 bucks per semester for most of it. I got enugh left over in grants and Texas grant. I got a teaching job, get 50,000 per year, debt free and work in the same place as people with 40k in debt that went to better universities than. Bottom line is, school counselors are idiots that brainwashed them.

[@DistopiaKosaki]

How much do you make now?

[@CasiodorusRex]

The student loan program is not broke. What's broke is the rates that college are allowed to charge for tuition. I went to college about 25 year ago and it was quite doable to work some OT and go to school part time and come out debt free. It is IMPOSSIBLE to do this today. I found one of my old college catalogs the other day and it was $100 a credit. The cost needs to go down! It's that simple.

[@ikeandlinz]

So true. My father-in-law got his law degree for about $30,000 and started out making $55,000 a year. 40 years later & the same school now costs around $150,000 for a law degree and lawyers start out making around $60,000 a year here. It's ridiculous!

[@crammit6601]

Yup their seems to be a perfect storm screwing this generation over. The teachers in grade school that told us you need to go to college didn't have to sell a kidney to pay for their education.

[@Karma20XX]

The schools themselves can overcharge the students but it's the loan payments that are the nail on the coffin.

[@crammit6601]

***** Yup! I wish someone had told me this at 18 years old.

[@luvfreedom1470]

This has got to be the death of useless college degrees. Something has to give. We can't have people going into $100,000 in debt to make $20,000.

[@turtleanton6539]

Indeed

[@gavloft]

The book 'worthless' by aaron clarey sums up the education industry and its worthless degrees

[@highlyfavored2434]

Even a medical degree to be an orthopedic surgeon?

[@mimim7026]

Even a law degree to be an attorney?

[@bensimmons6149]

Mrembo Mweusi obviously not but arts is useless

[@bensimmons6149]

Mimi M of course not. Just things like arts etc.

[@paulbroderick8438]

Totally agree. As an immigrant from the UK I am forced to make some general observations. The hype is so high in the US that people are brainwashed into believing that 'you can be anything you want to be', but you need to go to college! Basic economics lessons ought to be a mandatory part of high school education, however, I feel that some politician some where would flag this as 'UnAmerican' and not conforming, or contributing, to the consumer society!

[@jayritchie6596]

Ability also - lots of people will never get jobs that require you to be smart because they are not smart enough. Society is telling them to jump down a big hole.

[@lilylanoue]

Why she had three kids............already

[@JohnsonKayla12]

susan xD because ish happens, that's not the point of the problem or video

[@JohnsonKayla12]

your friend no it's not. The kids are already born so focusing on the fact she can't afford them isn't the point. Her taking the steps the find out how she can afford them is the point of the video. Hush with the judgment

[@MasterInHD]

Immature 20 year olds...

[@live_unafraid47]

The only reasons to ever go out of state for college is A) you have a very specialized degree you can't get in your state, you have completed gen ed courses at a community college, and have saved or budgeted to pay for this school. Or B) you are an athlete (most likely)with a full ride or at least a full books and tuition scholarship.

[@DonLee1980]

Dealing with our finances is perhaps the most important thing that will set us up to succeed or fail in life yet it’s not taught in our education system 🤦🏻‍♂️

[@Cesar-pq2ck]

No college degree here. Run my own business. Yes, I pick up dog poop for a living as part of my dog service I offer, but thanks to hard work my wife and I are doing good. We still live in a country that rewards hard work, no matter what kind of work that is; wether it requires college degree or not. Thanks Dave Ramsey!

[@jordanroberts7931]

I love when this guy rips on the college process. College is such a scam.

[@MarioRossi-sh4uk]

In Italy, where I live, nobody ever will make any loan to go to university. It's just against any logic. You don't earn money, you must not have debts. Period.

[@MozerinMozers]

This video was my wake up call, I came across it a year ago when I graduated college with none of it paid up front. I'll be in baby step 2 for the next 2-3 years but I'm so thankful to have come across Dave Ramsey now while I'm still young.

[@coachraylo]

Preach it Dave! I worked my way through college and graduated debt free in the early nineties. I am pushing my sons to get trades without debt!

[@Khaltazar]

One thing I absolutely hate is when college students go to college with major undecided. WHAT!? That is dumb.

[@Liuhuayue]

Some programs are selective and may only let in a certain amount of students per cycle or may require a trial period. Also, it's better to explore and then commit when you're ready than to switch 3 or 4 times. :[

[@Khaltazar]

Liuhuayue I highly doubt that is true at all.

[@Liuhuayue]

Khaltazar Then you haven't seen enough of the world yet. Some majors at some institutions are limited, selective, or restricted.

[@Khaltazar]

Liuhuayue Then they can go to a different college. I went to a college with an engineering program and there were absolutely no restrictions (unless you declare restrictions as graduating High School or having a GED). There were only requirements to stay in your major (i.e. you drop below X GPA).

[@vicsosa5703]

@@Khaltazar You are wrong. Some school actually do have limited enrollment for certain majors. Yours probablt wasn't full. Most nursing schools only take a limited amount of students per graduation semester/year. If you don't make the entry you register as undecided so that you can continue taking classes and try to get into the program when it opens. Also this happens with ABET accr schools as well. Some majors get full and you have to register as undecided.

[@epsanchez]

It's a hard issue to get through to people but he nailed it right on the head where it begins with the parents. This is such a heavy subject that really hits home.

[@s.andrew8267]

Current community college student here in 2021. I'm beyond happy that I'm not 20 times in light years ahead in debt right now in correlation to some people that I know. When in doubt, community college it out!

[@altonriggs2352]

History degree gets you to front of the unemployment line.

[@abarbar06]

Community college is so great. In CA i was able to pay for it myself with a part time minimum wage job (lived with parents of course). It also gives students time to think about what sort of career path they want/is practical without paying much or sinking deep into debt. Furthermore, I think the instructors are more passionate about providing quality education that many university professors are. That's my opinion anyway.

[@abbycaca123]

My community college was so cheap after federal aid I paid 7$ per semester once I transferred the CA pell grant covered my tuition so basically I’m getting my BA for free. When I started I was so sad seeing my friends going into the UCs but now with zero debt i have nothing to envy.

[@richardramfire3971]

I agree. Where I went the teachers had real world experience.

[@stevegold2784]

Went 1 yr of college way back in 1986. It wasn’t for me, quit, never looked back drive truck and debt free except house.

[@mertz313]

My school is about 45k a year in tuition alone.. But I got a scholarship that paid for it all.. Graduated with no debt while I know others with over 100k or even 200k in loans!

[@maiyenish8552]

The problem wasn't with her parents. The problem was with her ex-husband. She and her husband wanted to have 3 kids while she was going to college? UNBELIEVABLE! Why did Dave blame it on her parents? GMAFB ! With a degree in history you can be an educator, researcher, communicator or editor, information manager, advocate, or even a businessperson. Among the jobs you can consider are: advertising executive, analyst, archivist, broadcaster, campaign worker, consultant, congressional aide, editor, foreign service officer, foundation staffer, information specialist, intelligence agent, journalist, legal assistant, lobbyist, personnel manager, public relations staffer, researcher, teacher . . . the list can be almost endless. Credit card debt? GO BANKRUPT! I had a $40,000 student loan and a $60,000 credit card debt. I negotiated with the credit card company. In hindsight, I should have gone bankrupt. By being a part time continuing student, I could put off my student loan for 20 years and paid it off with inflationary dollars.

[@ivylayne1649]

So glad I went to a technical school for nursing and didn’t fall into the trap of a university and student loan debt due to the pressure from society and my peers.

[@user-ys9wf8qj2n]

I just found ur channel this week. And i love this particular one.

[@coach9410]

I warned my daughter and her response was it’s in my name! I said ok! 4 years latter she said I should of listened!

[@rowsdower12]

they don't tell us when we are young. about loans and the lenders. just a magic money machine

[@valrk247]

I have a degree in history. I personally love history, but for my graduate degree I decided to major in higher education administration. My dream was to work at a local university and community college, build my experience and eventually find a position with a good income. So far, it's working out. I'm glad I didn't go for a PhD in history.

[@melvinlee9263]

2:43 - guy's too busy looking at his phone to listen to Dave LOL....

[@herfirstmate]

So true - this is one of my favorite rants.

[@punkkimiko]

So glad i went to cc first and figured out how to transfer without debt. I can't believe my friends got into so much debt. And they even called me stupid for not transferring right away

[@caycthulhu7595]

I have a double BA in English and History. People scoffed at me when I said I was going to University of Houston instead of UT or A&M. It made absolutely no sense to do that for those degrees. My parents where able to cash flow my college because of that. I made around $30k out of college. She should be making way more money.

[@caycthulhu7595]

+Ms. Naomi yes but you also have to make your own opportunities. I was a temp for a while before I got that job. No one is just going to hand you a job.

[@greenfly0917]

Thank you for this! People really think a BA in History or English= unemployed. Which couldn't be further from the truth. She should be making way more than 20k per year easy.

[@jayritchie6596]

how much more expensive are UT or A&M?

[@jcampbell50130]

I’m doing the community college route and working to make the money myself. I fear debt and will do anything to avoid it.

[@yvette11111]

I'm a single mom. Joined the military and got the GI Bill for me and my daughter. I got my BS in Criminal Justice and she's working towards her BA in business. When she finishes, I will have more money for additional education. No debt at all but I paid with my service.

[@EACI87]

Out of state tuition is stupid! we are in the same country, I am from Cali but wanted to study in Arizona a mere 2 hour distance away but the financial difference was $20,000!!! outrageous! its like giving away free money

[@teddyblack2833]

The reason that is is because you (and your parents) are not paying taxes to support that state, which is where the money comes from.

[@sidharthchand8072]

Only time is maybe if its a specialized degree. If your going to be a director you go to USC, otherwise your right waste of money.

[@Dannyasingh]

Please only accept subsidized loans (accumulates interest AFTER graduation). Try to avoid unsubsidized loans (accumulates interest Everyday and After graduation). Deduct interest from taxes. Please avoid out-of-state tuition, private student loans, and for-profit colleges like Everest and ITT Tech. Take courses at community colleges (they are legit). To get more aid, prove struggles of parents (or yourself) to financial aid office: Foreclosure, repossession, bankruptcy, debt settlements, separation, divorces, death, new child, hospitalization, unemployment, reduction in income, food stamps, failure to pay taxes, wage garnishment, incarcerations, terminal illness or condition, etc. Choose credit unions. Banks are for-profit. Do not drop out of college = Less likely to repay debts.

[@aliciarichardson6579]

J c et 7 during

[@kTorres007]

You cant have one loan without the other (sub and unsub come hand in hand) i know ive tried 😯

[@MovingAlong531]

k. Torres thats not true u can decline the unsub loan you just need to notify them in writing.

[@gachagirl5814]

+Danny Singh you're totally right , I was living in Florida for awhile and applied to a private college ,nearly died with the cost 30k a year, I'd been previously living in Europe and paid a fraction of that for my total degree

[@allen2346]

Parents used the 529 plan for 36k on my biochemistry degree, turned out it wasn't what I wanted to do, went into investment banking. Went in state and a public university so I could have the rest of the 529 account for my kids. Highly recommend any STEM degree as they have transferrable quant skills, you can literally do anything.

[@williamsvoboda240]

I know a young person who went to college and studied Computer Science and Mathematics, graduated college with a double degree and had a job within a week. About six month's later was offered a job out west in a state that had no state taxes with a 5K raise. Took the position makes close to 90K a year, student loans are something they just pay every month. Recently they were offered a part time job tutoring high school mathematics on Saturday mornings. This would pay an additional 10K a year. The right major in something that is in demand makes all the difference.

[@starcrossedgirl23]

Meanwhile here in Belgium we pay less than €1000 a year on tuition 😁

[@frost66bit]

yeah, I feel stupid also... I am $65,000 in debt for a school loan that gains interest everyday... what ever I pay it doesn't go away, and I don't make anywhere near enough to pay it off Be careful everyone... Be careful

[@jaredlopez2926]

Don't pay it off. Start a cash only business. Buy gold and silver and store it in a safe deposit box for retirement and pay for everything with cash. Avoid debt slavery.

[@deborahmitchell117]

Lol u can't jsut stop paying it

[@dragonlock12345]

Dave almost F-bombs at 3:23. Such passion!

[@anakinjames92]

I am 16. Been listening for over a year to you. Thank God for that. I will take what you say you heart.