$163,000 In Student Loan Debt Only Making $29,000!

[@TheRamseyShow]

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[@SM-nc2pt]

The Dave Ramsey Show 👍 co host is cute!

[@jdsoto492]

Parents need to be honest with thier kids and talk about what they can AFFORD.

[@mr.speyside5240]

But, but, but that’s NOT the American way!

[@GHE-bv1pf]

For most families, parents are clueless too. They insist college and debt is way of life.

[@eeeeeeeeeeeeeeeeeo]

At least have a plan. I def could NOT afford my university, but I graduated and make double what I used to recently. I had a lot of debt but I could probably pay it off in Q1 2021.

[@jellybeans9283]

C B absolutely, in my family someone studying liberal arts is educated, elite etc. While a trade student would be considered low class. Absolute idiots

[@mannyjeanpierre4062]

This.....parents can help their kids just by educating them

[@fghghgvh]

My friend is a personal trainer and makes 40k and only has his high school diploma. Do people not research their degree before going to college?

[@chindomnic8828]

They don't. They are so ignorantly eager to sign those dotted lines.

[@VampireKa1n]

No, not really.

[@thisizdub]

Yeap

[@ripvanwinkle4532]

May he is not a very good personal trainer.

[@TheFabled1]

@@chindomnic8828 yes because after 12 years of public indoctrination, multiple lessons where they say 'working hard' is for chumps and skilled labor is equivalent to being a garbage man, you have to go to college, said over and over and over. All taking place in a setting that is not teaching you to critically think for yourself, you can and do actually get punished if you think for yourself and come up with ideas that even seem to contradict a strict adherence to the lesson plan. but most people do not care, bc at the end of the day, its just daycare! For parents to stupid, self obsessed, or indebted to take care of their own children. Maybe start asking who really benefits from all this??

[@tanksherman9875]

It should be a federal felony to sell someone a exercise science degree for $163k.

[@greypilgrim1649]

TANK SHERMAN the university should be charged with crime against humanity

[@rachelhubbard6199]

His degree most definitely did not cost that much. He accepted the FULL amount which generally 2/3 of the amount more than covers stuff aside from tuition.

[@hamptoncokeley1456]

Rachel Hubbard yeah WVU costs $25,000 a year out of state now. If he’s 35, even if he just graduated and took out cost of living, I’m just not sure how he took out that much.

[@nats3289]

I mean, it would probably be smart not to get that degree at THAT college. 🥴

[@waflletoast11]

I highly doubt a exercise science degree would cost 163k. Probably accepted the full money and spent a lot of it,

[@candy2325]

“What do you charge an hour like six bucks?” He’s so shady 😩😭

[@naalynmusic]

Lol

[@spacediof]

@Johnny Five What exactly is your point?

[@jofo1274]

R D does he have to spell it out for you? He’s saying Dave & Rachel can’t relate to a lot of these callers.

[@rumblebeast08]

@Johnny Five To say that people can't be successful in today's society is completely false. Is it harder? Maybe. The key is that people have to stop wasting their on useless college degrees. You can go into HVAC and make north of $100k/yr. I'm sorry, a degree in exercise science isn't worth it, at least not in this caller's example. He would make more money working as a fast food manager. Something isn't adding up.

[@rumblebeast08]

@Johnny Five It's not astronomically harder unless you make it harder on yourself. It's not a straw man when I'm referring to the exact example in the video. Someone should have told that guy he was wasting his time and money.

[@Kymv8382]

$14 an hour?... Dude, you should be charging 35-40 an hour. I feel like he's employed by some cheap chain company gym. He needs to be an independent contractor.

[@rachelhubbard6199]

He has to be working for a gym because my PT friends charge anywhere from 30-70 a session just depending on the package. And this is in AZ. My mom was paying 40/session at LA Fitness until she found out the trainer got $6 of that....$6!! So she quit because it wasnt fair to the trainer. Private training is the way to go for this guy

[@TheMichelex20]

Yep

[@exgamer07]

He works in WV.....14 is 35/hr there.

[@eckankar7756]

It's s probably his commission for the session.

[@TR-lh9yz]

You can make $14/hr while you are still a high school student working at McDonalds. Don't even need a diploma.

[@skibum6422]

I know high school kids that make $14 an hour with no experience. This is insane. I feel for this guy.

[@riverdaletales8457]

Yeah you can make up to 40-60k a year without a college degree.

[@superwhitt21]

5 week long welding certificate will lead to 100k in 3 years. Stop trying to force life on your want to lift weights. Get a trade.

[@Mechulus]

This. ^^ I have no college education and make 110k / year working for a natural gas utility. There's some great jobs out there, but much of society vilifies blue collar jobs which discourages people from pursuing some legitimately great jobs. Such a shame - this guy is going to be broke his whole life.

[@brendennimmonsjr.6692]

Anon Ymous absolutely. My mom told my little brother you don’t want people to know you work as a collision repair owner. Like what, people get into accidents every second!!!

[@Mechulus]

@@gb9719 California.

[@codedirtytome7178]

@Someone Andnoone just about any community college

[@3ofus135]

@@Mechulus G B didn't ask where you live. LOL.

[@GHE-bv1pf]

Why do you need 163k degree to become a personal trainer? You could do it for free.

[@thetruth5635]

That school is such a rip off I wonder which one it is ? Can be NYU

[@GHE-bv1pf]

@@thetruth5635 No, this guy is definitely not smart enough to get into NYU. No one with half brain will get 163k degree that has expected income of less than 30k.

[@agiagiagi6553]

@@GHE-bv1pf well, nobody said it went to tuition and basics. It's rather life style which made the number

[@arnaudd9768]

@@agiagiagi6553 I agree. Playboy lifestyle plus high cost renting in NY

[@costco_pizza]

@@GHE-bv1pf Not smart enough to get into NYU? Think of it this way John, this man makes $29k a year. Do you want to know where that puts him? In the top 16% of income earners, in the COUNTRY. You read that correctly. If you make $29k a year you are a top 16 percenter. This young man will be able to pay off this debt and be on his way to becoming a millionaire in no time.

[@EricWPowell]

College education does not always mean higher pay. This needs to be stressed to young people.

[@henri6595]

College provides you with the mindset to do something. You use that mindset for whatever you want.

[@artcamera5514]

@@henri6595 Sorry but that is BS. Someone who is dumb doesn't automatically become a genius just because of a college degree. If you've lived long enough, you'd have seen it yourself in real life examples.

[@henri6595]

@@artcamera5514 I didn't say anything about college making someone a genius. I said college will help you do what you want, whatever that could be. You need to already have something inside you to shape your vision.

[@artcamera5514]

@@henri6595 You are missing my point. If someone knows what they want to do they don't need college to shape their mindset. If they need college to "shape their mindset", that means they're not ready for college.

[@henri6595]

@Brian Waller I always thought IT should pay amazing well. From the people I know it seems like they are killing it 🤔.?.?.

[@eugeneabreut5208]

My brotherwho hated school and didnt make it out of highscool makes 200,000k a year with his business. SCHOOL IS NOT ALWAYS THE answer. You need AMBITION !

[@jadinmosley7124]

finally somebody with common sense, college was for ppl growing up in the 80’s and 90’s trying to make a better life cause it was harder to make money but now it’s easy to make money without college but ppl still in a ignorant mindset.... it’s sad

[@mosesyang4222]

This guy just told my whole life story, same age, same debt same degree BUT I have a master's w/that student debt. But my dad taught me well about working hard (was raised on a farm) so while I was in school I worked a night job, as soon as I was done with school I worked 3 jobs from 6am to 10pm eating nothing, driving a trash car, using the oldest phone in the world, no internet, no kids, no social life & I'm already debt free with more than 165k my bank account and even more in my retirement. So it is do able you just have to SACRIFICE your social life and having the newest things...oh and dont have kids

[@kimnevils252]

29k living in NY??? Scratch that. He's merely "EXISTING" not living. How is that possible? Bless him. Hope he gets his income up.

[@5000MikeMaster]

Kim Nevils imagine he’s got kids.. RIP

[@MiraMira0ntheWall]

Put money on him still living with his parents. Reasons why ppl aren't hitting those adult milestones. It's really sad.

[@kimnevils252]

@@MiraMira0ntheWall Wow. That's very true. Never thought of that angle. It really is sad when people are like that. It's like they grow physically but emotionally they never develop. They still 8 years old mentally.🥉🕹🧸

[@MiraMira0ntheWall]

@@kimnevils252 Yes. It's unfortunate but very common in NYC. It's an expensive city and our generation were really told you MUST attend college by any means. School debt was always called "good debt" by parents and older workers you might get advice from. You were made fun of or looked down on if you didn't attend college in my world.

[@myytchannel6632]

He is busy looking good to his female clients who are married and taking "personal" workout classes from him.

[@zevlove612]

Get a CDL become a truck driver mate ...couple of years and you will be debt free maybe even can save a good deposit for a property and then go back to your fitness work if you still want to

[@1AMYPTURNER]

Yes! He can personal train on the side.

[@ImRunningazoo]

These clowns will never learn

[@aolvaar8792]

A dying profession, Automated Self-Driving Road Train, non stop 24 hours a day

[@damarawarren48]

A Olvaar that will never happen, don’t believe everything you read online.

[@zevlove612]

@@aolvaar8792 i hope you are not one of those who sold everything fearing Y2K

[@iwillsurvive1335]

I make 6 figures and my $73k in student loan has me stressed out. I can't even imagine what this guy is going through.

[@johncam8420]

what do you do that makes 6 figures graduating?

[@iwillsurvive1335]

@@johncam8420 Accounting. I've been out of school for years.

[@tyrese6994]

73k for an accounting degree? You had to go to expensive private school

[@iwillsurvive1335]

@@tyrese6994 it includes my bachelor's and master's degree. Plus, I used to live off of the loans taking more than I needed for school. Plus, interest..

[@schawnettarobinson8584]

You can’t honorably take care of others if you are worried about paying your bills. I agree.

[@rickvangils100]

Imagine taking out 163k in student loans to make 29k per year. Insanity.

[@MiraMira0ntheWall]

It's really sad no one told him he can be a trainer without this degree. This is where parents and experienced workers failed millennials. It was really shoved down our throats to attend college no matter what. Many walk away with a salary not worth what we paid to get the degree. I know so many New Yorkers with his same story. No guidance just attend school and get a degree. Sad. Those numbers are sad.

[@555NIKKI555]

I agree. In high school, teachers and councilors all encouraged us to go because it was "good debt," and we'd earn more in the long run. It was really terrible advice because they didn't realize how much the world had changed from their time as young adults.

[@drn13355]

Ofcourse "its someone else's fault". Until people start taking account for their idiotic decisions then it will never change.

[@drn13355]

How do you know mo one told him? A lot of people so insane stuff. He clearly borrowed a ton in "living expenses". No bachelors degrees costs 163,000 in tuition. He also may have wanted to get a job maybe at a university or sports team and realize he is a horrible candidate.

[@ghostie7790]

It happen to me too. 60k for an arts degree. I’m working on getting my income up but it’s hard. Things gonna turn around though, I’ve got many pots on the burner. It’s been a long journey. So tired.

[@MiraMira0ntheWall]

@@ghostie7790 You got this. Keep pushing! 💪🏾

[@Spaceysgurl]

He could become a PE teacher with a little schooling and still be a trainer. His income could increase.

[@ercokatty]

I’m not aware of any state where a teacher doesn’t need a Bachelors degree at a minimum.

[@Matty-mg9tf]

@@ercokatty Another 200K in debt incoming!!

[@dhenderson319]

@@Sawautha he said he lives in West Virginia

[@jimmyboy1582]

This comment section is ALWAYS full condescending “rich people.” I don’t understand how everyone parrots the same invective on all videos with people make less the 1 mill. You guys need to calm down 74% of people in the US live paycheck for a reason. And they are gonna call in for advice.

[@roolyfe]

Most AMERICANS live like this! Trust me! 1.7 Trillion Student Loan Debt!!!

[@brianbest6097]

@Waldo Mcfly And i hate to say it at his age that's when your income should be at least 80 to 100k

[@lizzienganga4008]

Most?

[@GARNET-DAGGER-FF9]

I'm pretty sure most people dont make less then 30k with over 100k of student loan debt dude

[@roolyfe]

こんにちは your a dolt! China 🇨🇳 flu 🤒

[@naalynmusic]

Oh wow

[@nicholasd9092]

What is he doing now that gyms are closed? Sallie Mae/Navient will forever haunt my dreams. I was waiting for him to say delivery pizzas. Lol

[@madadder9148]

Maybe he can start a youtube/twitch channel? There are a lot of people working from home who cannot go to the gym because of the shelter at-home orders. He could provide a service there.

[@Theavantamistique]

KZbin is not as profitable as it used to be

[@Somtico]

"You cannot honourably and with dignity take care of clients if you're worried about paying your bills. You can't bring your full self to that." Now, that's DEEP! 👌🏽

[@Somuchcooleronline1]

Nah, it's just common sense.

[@Somtico]

@@Somuchcooleronline1 doesn't make it shallow.

[@ApplicoInc]

That school sold him the degree equivalent to blinker fluid 🚗. With being able to learn so much here on KZbin and other places on the web, getting a degree🎓 that will have a return on investment is more important than ever! If you can learn the same skills and make the same amount without the degree you're wasting your money! 💸

[@marcusvision]

"blinker fluid" 🤣🤣

[@steelcastle5616]

Don't blame the school, or government loan agency...blame the one who took out the loan and now doesn't have the means to pay it back. The degree is only a tool (many people with those degrees are making 6-figures (working for professional athletes, colleges/pro-teams, etc) and not a guarantee of anything. He signed up for the money -- he took the money -- he should stop crying about paying it back.

[@itrthho]

Pep Boys has a good deal on Blinker Fluid, if you buy by the gallon.

[@villafontananorte]

The issue is that employers want that piece of paper. You can teach yourself coding and be excellent at it, but if you don't have piece of paper, your application will go directly to the trash.

[@esonon5210]

@@villafontananorte Not for personal training, especially if you work at a commercial gym. It's all about getting and keeping clients.

[@Chasmofmisery]

Love the NY accent and sad to see his debt is 1000% his income :-(

[@PhillyFan20]

He's got a long road ahead of him. Unless he wins the lottery, I doubt he'll ever be able to pay it off. $160k to be a personal trainer is a complete ripoff. Just go through a certification program.

[@artcamera5514]

What's really sad is that there're plenty of foolish 18 year olds about to make the same mistake.

[@johnulcer]

He can pay it off if he increases his income. Even if he just doubles it to $60k/yr and lives on $30k, that's $30k/yr toward debt. Eight years. A long time, but not impossible.

[@joecurran2811]

Its worse than a rip-off - absolute scam.

[@WillieRayPR]

Calls like these make me glad I actually RESEARCHED my future degree before committing myself to debt. As soon as this COVID thing passes I have a check ready to pay off my loans in full.

[@jonanna8516]

WillieRayPR - that’s fantastic news. Congratulations 🥳

[@mzstacystacks3168]

WillieRayPR check from your job? What degree do you have

[@cgasucks]

Smart move...

[@blackbutterfly233ify]

You can pay it off now

[@untouchable360x]

He needs to hook up with AMS. He was a personal trainer in NY and made close to $200k.

[@Rooot-username]

Ams is on his purpose big time. He definitely needs some guidance

[@ZukoTheShinigami]

Sleazeball Gang in the MFing building!

[@fbhaze7446]

lol first person I thought of

[@kwameghana5369]

untouchable360x AMS makes more money from KZbin I guess not the personal training

[@angellorenzoa]

untouchable360x Thought about that too. The degree is not worth it. No guidance is needed. Here’s the blueprint. 1) Read the NASM BOOK 2) Read books on sales 3)Walk in to the busiest gym and demand an interview 4)build your clients 5)take those clients and train them on the side 6) repeat 4 & 5.

[@NateshasAmbience]

What’s sad is that he could’ve gone straight through ACE and earned a certificate for $1299. Then simply taken the exam. Probably would not have been more than $2K total.

[@MissJ000]

He needs to get a second job or a new higher paying job.

[@DrsGanandMo]

MissPuglife that’s actually a good idea The extra income from a second job could go directly to the principle and it will help pay off that balance if he keeps the snowball effect going

[@untouchable360x]

Thanks for the good advice, Ms. Captain Obvious.

[@michaelb.8953]

He's already working noon to 9pm if I heard him correctly while reading the comments section he has very little spare time for a second job. He needs to reset and get a whole different much higher paying job or two.

[@DrsGanandMo]

Michael B. There is always a way to start something at night to build up a new revenue stream over time A friend of mine in the fitness world with not much background on social media was able to use the spare time during the lockdown to find moms at home that need help working out so she started doing sessions on zoom and was able to make an extra $1500 since the first of the month all it took was her making some calls and asking people and doing a free class online to get the people to see if it’s for them

[@costco_pizza]

@@untouchable360x Now hold on untouchable360x, let's not do anything drastic. This fellow makes $29k a year. Do you want to know where that puts him? In the top 16% of income earners, in the COUNTRY. You read that correctly. If you make $29k a year you are a top 16 percenter. This young man will be able to pay off this debt and be on his way to becoming a millionaire in no time.

[@PhotoBoothStartUp]

My uncle was a head personal trainer at the bliss gym in W hotel NYC, he would work from 6 am to 11 am and be done for the day. Charge 200 an hour and he would make over 100k a year. Not an easy route but wanted to share. Good luck !

[@turborun2345]

I want to be a personal train and that's what I'm looking for, not gonna be easy I know but that's part of it

[@NinaRossBusiness]

When I was younger, I opened a private studio and made $100K NET. My good friend made even more! It can be done but it takes a lot of hard work.

[@barneystn7521]

He can start his own class, design different customized work out routines, put it all on a KZbin channel and still give private sessions to NY millionaires... He can make it unless training is not his thing. Good luck to him

[@anitaknight3915]

@@barneystn7521 Yeah and right now they could offer fitness workouts and personal training sessions online since people are stuck at home since gyms are closed.

[@foreigncreations1793]

Yeah I’d do this, you can make a ton more too.

[@bradleymaravalli2851]

There should be a federal law the requires all college majors to print out a piece of paper that says 1) what the loan is, 2) what the payments are, 3) what the expected income is, and 4) an overview of the general risk they are taking (e.g. high, medium, low).

[@Theavantamistique]

Won’t happen. People need to RESEARCH before spending on a degree

[@chelsicheyenne]

As someone who teaches in colleges and requires my students to do this exact assignment, it won't work bc they won't listen. I had a student tell me the other day she will make 90k as a preschool teacher when she graduates. I said stop looking at the top 1% of preschool teachers out in NYC somewhere and look what entry level locals make. She wouldn't listen to me at all. Just rolled her eyes like I knew nothing at all.

[@GrowingGraycefully]

This is so sad. I was a personal trainer, took a course, got certified and worked side by side with an experienced trainer to learn more about fitness and nutrition. The cost was less than $250 to get certified at the time. It took time to build up my clientele, but I made decent money and wasn't strapped with student loan debt. Good luck to this guy.

[@bee12355]

Exactly, so I don’t understand why he went this route. Couldn’t someone tell him No.

[@eckankar7756]

Maybe he's a lousy trainer despite his degree. He sounds a bit scratchy. I wonder if a bit of training in speech to add some polish and finesse might make him a bit more marketable. Just listening to him here I'm ready to give him my wallet and put my hands up.

[@ianmowbray3284]

He is no different to the millions of Americans who have studied for a degree and then get a low paying job with no chance of paying it back very 😔

[@anadebeljak9528]

I researched how much I will make after school but unfortunately google was wrong.

[@yeyem6678]

Bec they picked a career thats not in demand.. they picked a career bec they like it.

[@kellyhughes4017]

My heart is broken for this gentlemen. The "educators" are crooks! I am hoping his life improves.

[@dxnes5067]

So far one year into college and no debt, hopefully I can keep it that way for the next two years😬

[@miloramos7646]

Did you graduate debt free

[@pep590]

Yes, hope you are debt free and graduated!

[@steelcastle5616]

I went to college with people like this. They took/maxed-out every student loan available to them along with every credit card to live big while going to school with the attitude of I'll pay in back when I get out and get a "good" job. After they graduated, reality hits them in the face, they call people like Dave wanting sympathy or end up doing something illegal. I don't blame the government for all the student loan dept -- I blame the people who took them out with no realistic idea of how to ever pay them off.

[@scaldon2]

This is crazy . So sad . 29,000 in New York is insane . Hopefully he gets the help he needs .

[@Cookieboy70]

I didn't even think it was possible. Even unemployment has to pay way higher than that

[@scaldon2]

@@Cookieboy70 agreed that salary is extremely low . Especially living in New York.

[@costco_pizza]

@@scaldon2 Now wait a second scaldon2. This fellow makes $29k a year. Do you want to know where that puts him? In the top 16% of income earners, in the COUNTRY. You read that correctly. If you make $29k a year you are a top 16 percenter. This young man will be able to pay off this debt and be on his way to becoming a millionaire in no time.

[@Unkuuu]

He lives in West Virginia

[@godofnil6644]

Arun Provide reference please

[@yayyareaa2997]

Exercise Science degree here! It’s true, not a whole lot outside of personal training. You can go for Physical Therapy which requires 6 figure investment and a Doctoral. I’m an exercise physiologist currently, don’t make much, but in a program now to become a cardiac medical device specialist. Just gotta improvise, keep your head down and feet movin! 💯

[@JK20239]

I think at 163k loans and making 30k. It isnt wise to add an additional 100k to make 60k? He will come out of school with 300k in student loans and making 60k...

[@JogBird]

lots of ppl do that and go onto medicine, pt, ot, etc.. but, 160k or that degree is ridiculous

[@MrTmenzo]

Lot of famous fitness KZbinrs making money, have their own fitness apparel clothing and supplements for sale and without degrees.

[@Andy-py8sz]

You can't just "go' to physical therapy school. The acceptance rate is only around 10%. You better hope you have an outstanding gpa.

[@yayyareaa2997]

Andy yep

[@chrishorwege1433]

A college degree is not required to be a certified personal trainer.

[@rayn1ful]

i think there should be more pressure on colleges and university to help students find jobs once finished , the community college in my city has a bar on campus , doesnt it make more sense to maybe use that space for some kind of a place agency to help students finds once finished and during school

[@angielo8070]

I think it's time for people to wake up and do your own research about the career you want to go to. Now days with all the info you need you can find for free online, and ask questions a lot of questions before you take out the loan.

[@rayn1ful]

@@angielo8070 good point , how can anyone justify bar without at least something to help students find jobs once finished , now for me i am not a drinker so i have no use for a bar.

[@PassiveIncomeTom]

*Find a part time job or start a side hustle.* 😉

[@Minerking7]

Maybe work on construction lol I make 70k. Work 8 hrs during the day. Personal trainer during the night. Boom now you make 100k

[@JessicaHicks]

Aged 35 😯 $163K Student Debt 🤦🏾‍♀️ From New York 😊 Makes $29K ☠️

[@nieceylanair65]

This video definitely hit home. I made a dumb move getting a MSW to enter the Social Work field. The pay was less than 40K, workload...heavy, workplace...toxic, and opportunities limited in settings which paid higher wages. Lesson to young adults: Please do NOT go into the Social Work field and AVOID student loan debt. Select an inexpensive degree which will teach you a skill (Health care, Education, and etc.) Or Trade School (Automotive Repair, Cosmetology, Carpentry, Dental Hygienist). You can open your own business or do contract work on the side if you have a skill and will NOT have student loan debt.

[@PokeZamJam]

I got my MSW, became licensed and make over 50k! I am almost debt free as well. I know the work load can be heavy in some agencies but there are good areas. I previously worked making over 60k out of grad school in Louisiana. It is possible! Best of luck to you!

[@nieceylanair65]

@@PokeZamJam Congratulations on almost being debt free. I worked as a Social Worker in Chicago. The only ones I know who made over $50k, were the LCSW'S, Social Workers who were supervisors, or the ones who were lucky enough to get hired by the state.

[@celestialarmor695]

What are you doing now people i meet who have an msw all say its low paying 🤔

[@PokeZamJam]

@@celestialarmor695 I am a social worker at a behavioral health hospital

[@millertoyal]

How do you accumulate this much debt studying to be a personal trainer??! He had to be maxing out his loans each semester, and living his best life! This is my only concern about bailouts for student loans, because just like these corporations, they'll continue to make such ridiculous choices.

[@kidneycarecoaching3766]

millertoyal which is code for drinking, traveling and probably eating out...

[@LifeOfCod]

that poor guy..

[@costco_pizza]

@@dchex23 Not dumb or poor. You guys need to take a step back and realize this man makes $29k a year. Do you want to know where that puts him? In the top 16% of income earners, in the COUNTRY. Let me repeat that for you. If you make $29k a year you are a top 16 percenter. This young man will be able to pay off this debt and be on his way to becoming a millionaire in no time.

[@esonon5210]

@@costco_pizza lol

[@EwYoureCringe]

Arun the median income is ~50k, how does that make him in the top 16%? Also he’s living in a very expensive area...

[@TheEntrepreneurChannel]

Well at Least they are in forbearance until September but man that’s a tough run ahead!

[@gabe40xl32]

Somewhat condescending and a waste of time when he asked if the man was making $6 per hour.

[@macneoh7418]

Not really, this guy needs to wake up. He has a huge mess that is ruining his life. He will be 50 and still have this debt if he don't make a drastic change.

[@LiLisLounge]

A lot resonated with me in this call. I got my Bachelors in Social Work and have almost a decade of experience. Now I have my Master's in counseling and haven't been able to get back into the counseling field yet. But I'm only making around 30,000 even though I have all this experience. It's very frustrating.

[@twistedbabydoll85]

I feel your pain sweetheart. I'm in the same situation. This trash country don't value those of us in education or social work. We're gonna get through this. ❤

[@pep590]

@@twistedbabydoll85 It's not the country who's trash.

[@MP-nj1qy]

No Dave, he did do something wrong. 163K student loan to make 29K. 😒

[@RiggyRonnie]

For New York, getting income up would completely change his situation

[@armandol1826]

*for anywhere

[@hookahspot8973]

Personally I think my man took student loans on 10 different majors in college before he decided to be a trainer because it doesn’t add up or make sense I have a friend of mine who is a trainer you can get certified to be a trainer in less than a year all you need is a CPR certification and a couple of course in a community college that would cost you 6K tops and then take the exam that they require, he’s not being fully honest, Law school graduates finish school with an average student loan debt of 150000

[@cheezybred]

Mcdonalds employees in nyc make more than 29k. Something is off here, he says he makes $14 an hour, minimum wage in nyc is 15

[@Purpleeyes92]

He might live in NY state. Their hourly wage is lower.

[@thisizdub]

He lives in VA

[@kat-oe7gb]

He lives and went to school in West Virginia

[@HomeGrownPyro1]

This is the problem with the education system and needs to end. No more charging 100k for a degree to get a job that pays $14/hr. The cost of the degree should be proportionate with what the average pay is for the particular field of work

[@PInk77W1]

HomeGrownPyro nobody made him do it

[@kidneycarecoaching3766]

HomeGrownPyro A recent grad at my job has a similar degree but is going back for something useful and our company is paying most of the bill...

[@HomeGrownPyro1]

@@PInk77W1 True, but unfortunately a lot of young people coming out of school don't know any better. The high school just push college, college, college and most don't realize the mistake they made until after they grad and find out there is nothing out there for them

[@HomeGrownPyro1]

@@kidneycarecoaching3766 That is nice of the company you work for to do

[@carojames6776]

His degree should have included a business course .

[@angelicaarteaga9311]

A degree like that he should be charging 2-3 dollars a minute if not more, people pay for KNOWLEDGE don’t sell yourself short

[@mommiesfrugalfinds7318]

He should start a fitness KZbin channel and take on online coaching clients. Also start social media accounts in this genre to monetize this career.

[@nztrucker1542]

I know 2 personal trainers paid $2k for there course making over 100k a year. Man some people are just dumb🤦‍♂️

[@j316finewoodworking6]

Being a native WV...This is just a bad business. Open a window washing business. Much better money.

[@leathelandlady]

He had high student loans from the beginning, but he's probably not even paying enough to cover the interest. I bet he owes more now than when he graduated. Good luck to him.

[@imdanielrobles]

I feel terrible for that guy. Given the current conditions with COVID it makes it even harder. Once things get better he will have to charge more. There are plenty of personal trainers charging $50+ and hour. Why can’t he?

[@esonon5210]

because he's in west virginia where the cost of iving is very low. he wouldn't any clientele if he charged that much.

[@mcdonaldz-sprite2353]

Bro I’m a security guard and I make 15 and hour, he really needs to revaluate his life man. You can literally make more at fast food.

[@DrsGanandMo]

We graduated with student loan debt after medical and dental school, and our primary goal was to attack down our loans as fast as possible. During training we invested in Roth IRA and contributions to 401K, working in the side we where able to pay a large portion each month to student loans and knock down our Principle. Right now may be a great time to refinance student loans or even call your servicer and make sure the CARES act was implemented for federal student loans or call and discuss option on private loans! Get them out of the way!! That’s a true investment in the long run!

[@annawhite8853]

I know a dude that 35 and attorneys with 300k student loan making 45k a yr!!

[@ChrisMFlorida]

That's the way to do it.

[@leannenovak1261]

Sorry to hear your story, their is thousands cases like yours. My suggest is leave the country, government will go bankrupt in the net few years.

[@marvenn9878]

I’m in nursing school and my parents still insisted that I go to community college so I’m not in so much debt when I graduate. Thank god I listened to them. I’ll be making around $70,000 with only $20,000 on debt

[@manunes4598]

A nurse makes 70.000?

[@jellybeans9283]

Manu Nes they do here in Canada

[@marvenn9878]

@Manu Nes Yes, an RN nurse makes around $70,000 (at least) in most places in the U.S

[@manunes4598]

@@marvenn9878 wow, my gf is nurse and makes with night shifts max 2500 euro each month. Bhr thats not bad in germany. But i mean after tax. Before tax is around 3200 euro each month. Still way less 😂

[@pfeiffdog0811]

Man this is what I have left on my house. Couldn’t imagine having this owed on a student loan.

[@ladykemma3]

Alternative teacher certification. Become a coach, pe teacher. In Texas we start at 60,000. Loan forgiveness in low income areas.

[@barneystn7521]

School ripped him off, but it's too late for that argument. He can start his own class, design different customized work out routines, put it all on a KZbin channel and still give private sessions to NY millionaires... He can make it unless training is not his thing. Good luck to him

[@BrianaBudgets]

I became a personal trainer with a $700 NASM certification.

[@KevinDixon]

Wha wha wah? Good lord that’s a lot of money 💰

[@NajiahLee]

People need to look up what their degree can do and the salary they can make in certain fields with their degree. That is insane.

[@TheFabled1]

after 12 years of public indoctrination, multiple lessons where they say 'working hard' is for chumps and skilled labor is equivalent to being a garbage man, you have to go to college, said over and over and over. All taking place in a setting that is not teaching you to critically think for yourself, you can and do actually get punished if you think for yourself and come up with ideas that even seem to contradict a strict adherence to the lesson plan. but most people do not care, bc at the end of the day, its just daycare! For parents to stupid, self obsessed, or indebted to take care of their own children. Maybe start asking who really benefits from all this??

[@LegalMind-ds4wr]

I can’t imagine paying 160k for a degree in exercise science. He had to have gone to a private university to incur that much in student loans. What’s wrong with a state school?

[@t_2_da_y]

I just dont understood why we think we have to go into DEBT to become successful

[@cutehumor]

The only degrees worth pursing that pays good money is STEM degrees. Unfortunately, many people go to college for fluff degrees.

[@henrypacheco9048]

Why is that doctor still sitting there nodding?

[@brianbest6097]

No offense but what is he doing there this is finance. Nothing to do with medicine or psychology

[@blink56k]

@@brianbest6097 Mostly because good finances are tied to the psychology of good financial behavior (delaying gratification, making wise choices, setting boundaries with yourself and others).

[@Rot05]

Parents need to educate their kids about debt and how much time it would take to pay off student loans.

[@FirstnameLastname-et3fy]

A friend of mine is a personal trainer with no degree and makes around 150k a year.... i feel bad for this caller

[@chelsicheyenne]

Why cant he go get a job as a full-time Physical Education teacher and make 50-60k a year with benefits? Personal training can be his side gig

[@simplebogle6106]

I think there should be a freshman level course on personal finance. It should require you to run the numbers on what you can expect to make as a return on investment on your fees. That is what an education should be: an investment.

[@CarolAnn-gh9fl]

It’s a ridiculous degree, my son’s GF has 150k in loans for the same major. She borrowed every nickel for 4+ years rent, car, classes, books now I fear for their future. Why don’t people weigh $ verses investment?

[@GoldenQuickie]

I imagine trying to be a personal trainer is very hard work. You are relying on being "popular" in order to get people to want to hire you. Lots of you tubers and Instagram trainers have that massive following because well, they're popular. And the ones that are not popular have at least 1, maybe even 2 jobs for their main income.

[@EbonyRivers1]

It doesn’t cost $160k+ to be a personal trainer. Could’ve just picked up a few certifications. And the sad part is not that it’s not a whole lot you can do with that degree, maybe research or teach. But it sounds like he really doesn’t want to give this up this career path - even temporarily - to get out of the hole. Never pay more for a degree than you can earn back in income. That’s an expensive and disheartening life lesson.

[@arnaudd9768]

Sorry but this guy need to figure out: Option1: change his carreer and city as well. His body is actually his only one asset. Successful personnel trainer is a full time job. You need a perfect body (be on steroids and perfect timed diet is costly), nice car...in order to be famous on IG. That will bring you audience on KZbin so you can sell fitness programs, supplements, private coaching... Option B: join the army or building job where with a less costly training, you will be able to make around 60k. Plus, you can keep your actual job as a part time job.

[@romariosmith422]

You need a perfect body. Man yall shut up before mouthing off what you dont know.

[@arnaudd9768]

@@romariosmith422 Oh really? I've changed my path 3 years ago at 33 yo. I've worked two jobs around 70k and was still behind my bills, my house payment, my car payment, property taxes, HOA fees, insurances, credit cards.... Where I am today, 6 months graduation to be end of becoming community pharmacist. And surely, I could work till my 70s The fact is rich clients are in the 40s and they don't want PT in their 50s. How long you will able to stay in a good shape while getting order. Wasn't easy for me to sell my appartment, move in a one room where I am till today. I driving a old nissan till the wheels fell off. Got a student position in hospital and now looking to take advantage of this crisis and start investing in stocks market. Don't just come and give insults to people...too easy!!! Share some of your personnal knownledge. Cheers!!!

[@superbeastdude12]

I have the same degree and there are many different career paths from being a personal trainer. I would recommend either health consulting or medical device sales.

[@MattsGamblingSlots]

Maybe at 28, it wouldn't feel so bad but at 35, that clock is ticking.

[@lacylamere9717]

I love how Dave's advice for almost everyone....Is work more....WOW your kidding ...and this guy is multimillionaire 🙃

[@grod805]

I mean money isn't going to appear out of nowhere.

[@Jay-om8gr]

Military officer. Go for it. You’re already in shape. They have huge educational incentives including loan repayments up to $50k plus income stability, nice salaries and increases, and a good pension. Go in at 35 and retire at 55.

[@tiffanyalvarez1363]

Can I enlist I'm 36?

[@Jay-om8gr]

TIFFANY ALVAREZ the normal limit is 35 unless you’re a doc or lawyer or some other highly valued professional. But... you can easily get an age waiver being just a year over. Army will be more willing to give the waiver than the other branches.

[@Jeffffers]

I honestly just feel bad for him. His education was a scam. Shouldn’t even be legal

[@TrevForPresident]

Get your brand up on social media for lead gen. Get content out there and monetize it for drip income. Renegotiate with your existing gym for a higher hourly rate and use your brand, you, as leverage. Eventually, leave the gym to cut out the middle man and charge ridiculous rates for an educated and experienced personal trainer with some clout.

[@johnaydanyelle9345]

I wish there was a way you could reach out to him

[@sharisyas5401]

I went through undergrad and an mba on loans and didn't get anywhere near 163K. Good grief. 29k is not a salary, that's a part time job. This poor guy needs to find a new career.

[@Dangerclose1]

Join the military as a Medical officer...serve for 4 years apply for loan forgiveness...problem solved

[@dallasryder8125]

He can't with that amount of loans. His credit is probably trashed, he's also over the age. He'll need a waiver for age, and to get his clearance vs many OCS/AMEDD applicants that have better standings. He'll be lucky to get enlisted.

[@SWAGURA]

"apply for loan forgiveness" HAHAHAHAHHAHAHAHAHA

[@christophervoid4801]

Makes no sense that these colleges charge 60000 to over 100000 for degrees in careers that only pay 25000 to 35000 a year.

[@walkingdisaster2475]

NO DISRESPECT !!! THIS GUY TOOK THE WRONG CLASSES. CAN SOMEONE TEACH THIS GUY MATH ?

[@pollodormido2]

You don't need a degree to work at a Gym. You do have to take some classes but they don't cost $163,000!

[@Mjixa]

In my opinions, our caller was ripped off to become a personal trainer. It cost too much for him. Second, his income is way to low, personal trainer can make easy money in addition to their part-time job. He should be making 60k and above. I hope he finds a way out.