Apply For Student Loan Forgiveness Or Finish Paying It Off Myself?

[@Frenchyk]

I owe just under $10k in student loans and I'll gladly let them take it off my hands. Y'all can miss me with the holy arguments about doing the right thing!!

[@superscaryrussianbot846]

I can’t imagine a financial advisor telling you not to take the relief. A financial advisor supposed to be looking out for your finances, not giving you moral advice.

[@Tunechi65]

@@superscaryrussianbot846 very foolish thing .I don't understand people

[@uchihaitachi5905]

💯

[@WeBeatMedicare6969]

@@superscaryrussianbot846 that’s where there religious holier than tho personality comes into play here

[@SexPistolS_69]

i owe 17k and already paid 22k in two of years after graduating, if the federal gov wants to take my loan away then why not, is like a tax refund XD

[@NFAA-NotFunnyAtAll]

We bailed out the banks/insurance companies, car companies, and airlines; why is it wrong to help people that paid for all those handouts? Why do we allow billion dollar businesses to pay zero taxes, then criticize a person making $40k (?) a year for accepting $2k in assistance, when it's their money to begin with? If it's morally wrong to accept handouts, then it's equally wrong for businesses to accept tax breaks, use loopholes, hide money in offshore accounts, or pay zero taxes on billions in profit.

[@SerErryk]

I agree, but that's not a reason to eliminate student debt - it's an argument to stop corporate bailouts.

[@AfroLatina3]

💯💯💯

[@kbanghart]

@@SerErryk disagree

[@cinndybarrios4528]

💯💯💯💯💯💯💯💯

[@diane261]

You nailed it 👏🏾 👌🏿

[@patrickmartin8479]

Rachel was quick to tell the caller to pay it off...as she sits in her dad's studio 😆

[@usman5140]

Exactly, ridiculous

[@David-dm3po]

They don’t see the common man as deserving of the same type of decent living that they have

[@zanesaghaian]

🤣😂 sticking to their guns at the detriment of their supporters. Pretty sure Rachel has never had to worry about money a day in her life. Terrible financial advice.

[@ThejeffJr8]

Seriously

[@Jt37-b9n]

Best thread in comment section. FACTS

[@sarada141]

Just take the forgiveness. All these morals are fake. America spends trillions of dollars on mindless wars waged in other countries but here he speaks of us being moral in not taking a simple waiver? Ridiculous!!

[@austinh681]

Exactly what I say. 40B to Ukraine? I'll take my 10k... lol

[@brugai8917]

we bailed out the auto industry, and then we bailed out Wall Street. yeah, i'll take my bailout Dave's right, though. forgiveness addresses the problem without fixing it

[@yoli159]

This!

[@mikelee9173]

Whether or not you take the $10k won't affect the debt the country will be in years from now. But it will affect your immediate life. Take the $10k if you qualify and accelerate paying off the rest of your debt or get ahead on the snowball. Just don't be stupid with your money moving forward.

[@areaparanormal7198]

Well said. Thats the plan

[@FlutterSwag]

Same i paid off everything except 10k just in case

[@angelmyers869]

Exactly.

[@kbanghart]

@@FlutterSwag good job, couple things, first of all I don't think a ton of debt will be added, compared to the debt we already have. Second, I don't mind helping others pay off their student loan debts. The taxpayers already helped me pay mine.

[@atown27]

Exactly.

[@shaned8802]

Good grief. take the gov money. You have $2k left. I'm not a fan of gov money but I would bet Ramsey would also tell you to take advantage of any tax cuts you might qualify for in other circumstances, like owning a small business. Why pay more?

[@Buttlather]

Exactly. I'm sure they don't skip out any any tax cut they qualify for. I'm sure his daughter had a full ride. His whole job is to improve people's finances, and this is advice that 100% is worse for her finances. One of the worst clips I've seen.

[@ivanvargas2425]

I would use that 2k to insert it into my S&P 500 mutual fund.

[@jmorris023]

You better believe Ramsey would take it if offered.

[@Buttlather]

@@maritabramhall9767 Did you return all your stimulus checks too?

[@shaydelre1898]

This caller is NUTS

[@alexarriaza7921]

I have 7k in students loans and this will help me so much because I'm going to become a dad soon and this debt was worrying me and now I can think of saving my money and take care of my boy.

[@henrytep8884]

Congrats future dad, and I hope that debt relief gives you some room to raise the kid in a healthy loving home.

[@LadyEmmyLinda]

And that’s exactly what its for. To strengthen our finances so we can provide for our families. Congratulations 🎊

[@CoastCam]

Congratulations, Alex. The loan forgiveness is likely not going to happen though.

[@starbuckqbb2287]

First time dad here too (hopefully next week). Already paid my loans off in 2021, could really use a $10k check but its not coming.

[@Tunechi65]

Happy it's helping people. Not sure why these fake Christians have an issue with it

[@johnshaft628]

As a veteran, i want to ask why do people think it's ok to drop bombs on Hiroshima and Nagasaki and pay billions of our tax money to fix that. Russia attacks Ukraine (which is terrible) but 40b of our tax money goes to fix that. But it's not ok to give American citizens their own money to fix themselves? Please help me comprehend?🤷🏾‍♂️🤦🏾‍♂️

[@Primitive_Code]

An instant thumbs up to you sir. Thanks for your service 👍👍.

[@LittleMopeHead]

Because like the other problems mentioned, none of them are okay.

[@malcolmdcwwed]

You can't compare the droppings of the atomic bomb to the Ukraine situation or student debt. BTW since you wanna use the vet card, I am aswell. And I don't think student forgiveness is okay. If there was gonna be a target for financial burden relief, it should've been in the health care area where unlike student loans, YOU don't have a CHOICE.

[@PRTEEGRL]

BEST question asked today!!!!! Best comment ever on this!!!

[@Joenzinator]

Doing neither means Americans keep the money in their pockets.

[@xavierhicks9008]

Why on earth is this a question you would need to call Dave Ramsey for? What kind of validation is this lady looking for?

[@perotal]

You would be amazed at the number of people that can't think for themselves. The comment section of this channel proves it every single day

[@hrobbins]

You are right. So pay it off so you can look in the mirror and sleep well. I'ma sleep well knowing my debt is forgiven vs it going to another country as goodwill.

[@usman5140]

@@hrobbins Dave had millions forgiven in bankruptcy. It looks like he sleeps fine at night. Unless an every day person is getting 10k forgiven that is 🤦🏾‍♂️

[@efrainbrown1]

@@hrobbins Facts lol

[@mr.puggin8384]

Probably her idol

[@spbennett88]

Imagine, if you will, a world where people call themselves financial advisors, and then tell people to pay money they don't need to pay. Just imagine it.

[@defaultname7685]

LOL

[@Ken-zh2br]

I mean by those standards if your financial advisor advised you to save money using tax fraud you should? In their perspective it is money you do need to pay because you signed up to pay it.

[@CalebHammer]

Morals are subjective. Person to person. This is your finances and i bet you've paid a lot of tax over the years. Wait. Invest. Take it if can.

[@richthepup]

Jus finished watching your latest vid literally a min ago lol

[@Futurebelongs]

Exactly. People always throw “morality” in the equation.

[@kachtev]

@@richthepup I am just about to watch his latest video with the 20% interest. I love this guy

[@treyhall9138]

Stating that morality is subjective person to person is not an argument and is a worthless statement. Societies function off of universally understood and agreed upon moral truths. Morality has little to do with this. Take the forgiveness. You’re going to be paying for it anyway through taxes.

[@TheeSamuelNelson]

Yes, we all need to heed the advice of a Ramsey who didn’t pay a penny on her college education.

[@yeislyntorres5304]

Exactly!! 🤦‍♀️

[@frankvonfrauner]

Having responsible parents doesn't make you a bad person.

[@devenmurray3580]

@@frankvonfrauner having irresponsible parents doesn’t make you a bad person.

[@TheeSamuelNelson]

@@frankvonfrauner if her college is paid for by someone else, how is that fundamentally any different than me getting a grant

[@Tunechi65]

@@TheeSamuelNelson thank you. What a hypocrite. She doesn't understand the struggle

[@JR-wu8gf]

Rachel has the audacity to tell them to pay it off when she’s never had to work a day in her life 😂

[@hpw101]

Pretty gross that she would say that. What horrible advice.

[@I_Lemaire]

Can we clean it up in here? Be respectful and refrain from personal attacks. Attacking a man's daughter? Bro, you need to know who Dave Ramsey is and what he teaches. Character. Honor. Things you seem to be lacking with your comments.

[@hpw101]

@@I_Lemaire criticizing her is not an attack. She’s in a public facing media position. There can be no expectation for her to never receive pushback.

[@I_Lemaire]

​@@hpw101 Wow. The general intellectual level and reasoning skills have really gone down the toilet. The original commenter wrote that Rachel "never had to work a day in her life." Considering the fact that she is a published author, host and television producer (things which, ironically, these commenters have not achieved) how do you NOT construe such barbs as personal attacks?

[@joshecker6907]

@@I_Lemaire I think the important part of the comment is the word "had." Implying that work was her choice, and though commendable achievements for sure, were not done from a place of necessity. Money was not an issue for her.

[@triplerr93]

My wife has 4K left I don’t care We’re waiting to get that forgiven

[@governor7203]

This may be the worst advice I've ever heard. Like it or not, the 10k is getting erased assuming you fall under the qualifications. You literally just told her to throw away 2k... It's not a value-based decision, it's a logic decision.

[@leslie3566]

agreed!!

[@ven412]

“Write a check and pay it off” is the dumbest advice ever given on the show.

[@shaydelre1898]

Yeah lol like, wooaaaahh hahahahaha

[@gt4lyfe]

Trying to sound like dad, then he doesn’t agree 😂

[@mwfontenot978]

Yeah I was shocked that was the first advice that came out their mouths

[@samjoe5087]

That's not good advice at all, I'm unsubscribing from this channel.

[@jadyphan5892]

@@samjoe5087 Good for you. See you. You won't be missed, and you probably end up watching his videos again anyway.

[@Msteve-nt5bx]

I would've always said to pay it off but at this point in time let it be forgiven. No one else is turning down the money whether they agree with it or not. Whatever the next moves the gov takes to recoup that money (raising taxes or whatever) will happen regardless.

[@FXPhysics]

Good cope.

[@philuent]

Yeah, they sort of forced this position

[@godisawesomestudios9583]

I agree

[@karlabacallaoarias9143]

Exactly even if she doesn’t take it she will have to pay the taxes later on because the money has to como from somewhere and the she will pay taxes and did not take the money. That money we owe it but we owe for a good reason! We earned a degree we did not use it to get a new car or buy fancy stuff!

[@matthewphillips5483]

@@FXPhysics You dont understand what cope means.

[@yeahbuddy5280]

Dave also had a “moral obligation” to pay his creditors when he filed for bankruptcy. I wonder what happened to personal responsibility?

[@alicestanley177]

He did.

[@o.c.2470]

@@alicestanley177 he declared bankruptcy

[@amireallythatgrumpy6508]

And he paid it back in full years later...

[@jamiehush]

Didn’t the bank take all his real estate away from him at the time? Doesn’t that count? *shrug*

[@tflg3257]

Tell self-righteous Dave to pay back his PPP loans too.

[@7eeroy]

We can forgive PPP loans of trillions of dollars. We can send money to other countries. We can cover Daves bankruptcies. We can bail out billionaires. We can pay for write offs for the rich. But heaven forbid the middle class that pays the most tax gets 10-20k.

[@moniquebaskett338]

You forgot to add that we help the poor.

[@rthilson]

You forget that most ppp loans were to the middle class

[@ianklein3045]

@@rthilson and 94% of all PPP loans were outright forgiven, per the SBA.

[@summerforever6736]

The y just keep printing money!

[@44fastgun]

Then give it back to the responsible middle class, not the wreckless middle class.

[@luck3246]

Dave acting like he would suffer instead of getting it waved bahahaha

[@dannywaider]

It’s because he did before, and that’s why he’s where he’s at now.

[@LittleMopeHead]

I'd do the same and keep my integrity.

[@Primitive_Code]

He does suffer a bit. His astronomical growth in wealth is now marginalized 😀.

[@Primitive_Code]

Get this: Jeff Bezos makes $2,537 a SECOND!!! How is that fair?

[@HowToITLLC]

@@Primitive_Code how is it unfair that a person built a company and is now worth that much a second?

[@berndin7796]

There is far more good for the average family to have the extra 10-20k than paying a bank. Telling the caller to pay that off is one of the most scummy bootlicker things I've ever heard. Agree with this debt relief or not its happening. The consequences of it are happening if you take the money or not so do what you can to get ahead. Dave is right you shouldnt expect more so if you have more than 10-20k in debt just keep the normal course and make your typical payments.

[@jayganz7797]

So someone advising personal responsibility is "the most scummy bootlicker things" to you...interesting...got it.

[@Vmedicinal]

"Paying a bank." Um...do you even know what FEDERAL loan means?

[@rodrowe194]

Right 💯💯💯💯

[@imjustthatguy3308]

@@Vmedicinal are unaware of the existence of the Federal Reserve Bank?

[@pat-orl]

The irony of Dave's daughter, who had all her education paid for her, telling people to pay student debt they don't have to.. WILD

[@kbanghart]

Sounds like Marjorie Taylor green whose husband had his business PPP loan all forgiven, and now she's saying students shouldn't have their debt forgiven.

[@shamikasmith3196]

Agreed! Dave as well with his bankruptcies he didn’t pay off his debt.

[@listerinr]

Agreed! Dave and Rachel's self righteous, stupid advice.

[@listerinr]

Again... Is this a financial show or a political show?? 🤔

[@jeffsmith9420]

I believe her degree is in communications.... Its one of those "useless" degrees they always complain about.

[@MikeMcCormick1325]

Unreal. How about just saying, “I was wrong.” and be happy for those receiving this relief? He’s still telling people to pay? Great financial advice, Dave.

[@Natashahoneypot]

He rants sometimes that it's wrong to make people pay for studying. So he I contradicting himself here. If it was a dept from irrisponcavle living then it would be a reason to get on his high horse.

[@EyeoftheTiger1031]

Exactly, wow he's so wrong and he brainwashed his daughter in this topic....sad

[@mwfontenot978]

I came to this page to specifically see what Dave has to say about this. I must say that I’m shocked at their response to this caller.

[@TheeSamuelNelson]

I think this is his way of saving face.

[@Nursemidratz]

He did say he was wrong(partially) at the beginning of the show.

[@lilitroy5185]

Can you please stop saying that your Happy for us when deep inside your really NOT. Here’s a chance to give people a break and your telling people not to take it? Common man.

[@sirisaacmormont5445]

His Classism is showing

[@crystalwilson2755]

You shouldn’t take it. Tons of people didn’t go to college to not take debt. I worked an extra job for three years after college to pay mine off. It’s stealing from others to apply for this relief

[@eos_2366]

@@crystalwilson2755 imagine telling people they shouldn’t take their own money that they’re entitled too😂. If it’s “a handout” in your mind, then it’s technically a blessing you shouldn’t refuse. God is helping us and you’re egoism is putting other people down for their blessing aka jealousy

[@sirisaacmormont5445]

@@crystalwilson2755 nobody should have to take an extra job to afford higher learning.

[@justusbryce3392]

Nope. Hard disagree with the Ramsey crew here. You can oppose the idea of student loan forgiveness and still take the money, same as you could oppose higher taxes and would take any tax break you can get.

[@roobeebakes]

Or claim bankruptcy and pay pennies on the dollars you promised to pay back.

[@erikprestonTV]

I'm sure Dave cashed his PPP check

[@hastycontemplation]

But this is not a tax break. The danger is that this skews peoples minds into thinking they can buy things they can't afford. It keeps people from reality.

[@leslie3566]

agreed!

[@kbanghart]

@@erikprestonTV and Marjorie Taylor green had hers forgiven, or her husband's, whichever.

[@ClaxtonBay123]

Such Grandstanding by the Ramsey team on this. It would be RIDICULOUS to not take YOUR TAX DOLLARS to pay down your debt. It is inconsistent with their teachings for the sake of taking a political stand. Especially disappointed in Rachel.

[@lindseysmith2299]

I agree. Notice how they cut her off and never let her speak again at all after she asked her question. She clearly had more to say and ask about based on the hesitancy in her voice.

[@derekvillarreal5207]

Na Rachal and crew got this one right

[@Ndzzle]

It would me a moronic financial decision to not take the money. Everyone else is, so the debt is going up regardless.

[@kbanghart]

@@Ndzzle not by much though

[@kbanghart]

@@derekvillarreal5207 whoever thinks they got it right and wants to pay their own money, go for it. I'll use my money to pay for other things.

[@critterdude311]

This should be the first question on a GED test after properly filling out your name. Of course you take the money you are eligible for, you are going to be paying in to the system via your taxes. Let’s be real. It’s like telling the wealthy not to collect their share of Social Security. Of course the vast, vast amount of the wealthy are going to take what they are eligible for. I’m betting Dave will take his SS payments when they are available and he won’t sit on some moral high ground against it.

[@MsMockingbird06]

Why pay for a debt that’s been forgiven, especially from predatory lending 🤷🏾‍♀️

[@SpoonHurler]

Because YOU took it out and SOMEONE is going to pay it. There are no free lunches. If you are mad at the predatory lending, then find a way to fight that system... they are still going to get paid if you take the forgiveness or pay.

[@kbanghart]

@@SpoonHurler yes fight, but in the meantime, forgive the debt. I'm in favor of it. I don't care that I'll pay a little more in taxes, if at all.

[@moniquebaskett338]

@@SpoonHurler We’ve already paid, in the form of our taxes. My husband and I pay almost 20 grand a year in taxes. So my kids are taking it. Give us our money back. I would much rather bail out students, than a business.

[@petalsjones]

@@kbanghart Sooooo, are you okay with paying the bailouts for the wealthy and a way to give CEO's more vacations. Your taxes are paying for that.

[@Dev-xg3mc]

​@@SpoonHurler YOUUUUUUU

[@ssazerac]

You’re taxed on income, then taxed on purchases, then taxed on investments and if there’s anything left over when you die - you’re taxed on that. Take the forgiveness.

[@critterdude311]

Amen

[@abark]

You will be taxed on the forgiveness too! It will be considered income! Lol

[@littlebob1261]

Comment of the year, most likely they have even paid interest to match what's being forgiven LOL

[@littlesongbird1]

Thank you! I have friends who have children and don't seem to mind that they get a bigger tax break (meaning I pay more in taxes then they do) or that people without children are paying to educate their children but they want to complain about me getting help with my student loans? Yes: it was my choice to go to college and get a career but no, it was not my choice to have a mentally unstable mother who shredded my w2s while I was away at school and lined to me about it till I started getting letters when I came home from summer break from the IRS asking why I had not filed (the letters had come while I was at school but of course I didn't get them) my mom refused to cooperate with the financial aid process and the financial aid people at my school wouldn't listen to me when I tried to explain she wasn't cooperating so I had to get student loans to finish my degree.

[@jaynekranc8607]

I'm in Indiana. Indiana may soon be one of the few states that will be taxing the student loan relief.

[@rolandoflores2806]

Let it be forgiven. Please don’t follow this advice. You are a great person, this dosent make you evil. Use that money to pay off other debt or be generous

[@emelia57]

Free yourself so you can be of help to others in need.

[@ytr8989]

If it’s for real then just let them deduct the $10k automatically. There won’t be any application process if the DE already has your income information. If you don’t take advantage of it, then your money is just going to be wasted on other things, like congressional pay raises or just sent to Ukraine. If you opt out, your money won’t go to another person. Just use it and be happy 😊

[@llcross04]

I agree. Do not pay it. Wait for forgiveness

[@leslie3566]

💯 agree!

[@kbanghart]

@@ytr8989 at least with Ukraine it should be used correctly

[@GMGBlackWhiteMUNGEY]

Take the money if you qualify 100%. What’s done is done. You’re going to pay for others, so you might as well take the money. I paid my loans myself by sacrificing a lot and I’m really unhappy in the way this was handled, but I still think you should take the money and I’m happy you thought to even consider while others would just take the money without any thought

[@robertbrown1021]

I agree! Take the money and use it to make a difference

[@christopheraquino4711]

Great response, she can use the money for more groceries and gas, probably that 2k is the high interests they paid already.

[@mssha1980]

You speak as if others aren’t paying or haven’t been paying on their loans

[@raleigh2747]

I paid for school while i went, so im not thrilled that I struggled and now have to pay for people who didn’t, so yeah, he should take the money.

[@mssha1980]

@@raleigh2747 how do you know these people didn’t struggle or work during school

[@meg39818]

Lol Rachel talking about being passive with money… when her parents paid for her college tuition and she works at her Dad’s company. Wow.

[@yoda6051]

Wow. Ramsey's most politically biased and broken advice on this show as of date. I still agree with the baby steps, but the Ramsey Show needs to have some humility on this issue.

[@estateruby]

Let me know the first time they have any humility. All I hear is condescension

[@vorhees8208]

He is so politically motivated here its disgusting. He teaches decent things but my God has he lost his mind on this take

[@jo4285]

Even if God tells him that the student loan forgiveness was his blessing Dave would say! But why help the poor !? Loan forgiveness is only for the rich!? Why God.

[@Jt37-b9n]

Best word used in comment section. HUMILITY. Thank you

[@littlebob1261]

You agree with the baby steps? LOL - Yoda, go to "The money guy show" or "Everything Money" if you want to actually be wealthy, the baby steps are HORRIBLE

[@llcross04]

Today's answer was bologna!! Dave and him team are amazed and flabbergasted that at least 10k tto 20k of student loans are being forgiven. They have taken it personally

[@JM4lyfe92]

It’s got to be partial guilt in all the people they told to pay off their loans because they wouldn’t get it forgiven, and they were wrong.

[@robertjackson1740]

He’s an angry old man.

[@guillomen]

I mean… those who paid off their loans or never had to get student loans will still end up being millionaires. 😅😅 Meanwhile those who have student loans clearly aren’t since they are begging for forgiveness lol

[@atown27]

Facts

[@JM4lyfe92]

@@guillomen Then why is everyone so mad?

[@fluxcap4630]

This caller is trying to reach Financial Stability, and Dave Ramsey is advising them to spend $2,500 on an unnecessary expense... Not very wise

[@sirisaacmormont5445]

Politics can cloud so much common sense.

[@15KHPCLUB]

It's called integrity She signed the contract, borrowed the money and should pay it back No excuses

[@q_bzy]

@@15KHPCLUB well then we should stop bankruptcy in all forms

[@joejohn.]

@@q_bzy No, it should just be on a case-by-case basis.

[@q_bzy]

@@joejohn. nope be we can't have nuance here. All forgiveness is bad. Bankruptcy is forgiveness. Therefore, bankruptcy is bad. They must morally pay it all back. Dave must do the same if he has not.

[@mattchristoffel180]

I'm so bothered she even asked them this. Make your own decisions it's not that hard.

[@eightone91]

Seems like a politically biased answer more than an optimal financial advice answer.

[@Sheryl777]

Politics is intertwined with and affects our own financial picture almost all the time. The two really can't be separated like some people think.

[@Sheryl777]

@@rhinoman86 Your opinion isn't everyone else's opinion either though.

[@Sheryl777]

@@rhinoman86 The original post I was replying to didn't have anything to do with your question. I was responding to the fact that politics and finances are intertwined with each other very often...original post said nothing about whether or not it was or wasn't the most optimal answer at all.

[@zanesaghaian]

@@Sheryl777 so you agree, politics aside, that it is the optimum financial decision?

[@Sheryl777]

@@zanesaghaian There was nothing in the original post saying whether or not it was the optimum financial decision or not, so that's not what I was replying to at the time.

[@dexdex5560]

Write a check?! Honestly that’s just bad advice. Look out for yourself first and take the loan forgiveness. Put that money towards your future. You can disagree with the policy all you want, but why make things harder on yourself? You might as well send back your stimulus checks and stop writing off capital losses while you’re at it…

[@StephSteph5]

As someone who pays an astronomical amount of taxes, I advise my fellow Americans to take the forgiveness. If you don't, everyone else will anyway 🤷 congrats

[@kbanghart]

Can you define astronomical?

[@KingdomKillaz117]

@@P.90.603 Depends on how much that uneployment is versus what you contributed to the system.

[@peterting467]

Thanks. It’s gonna help!

[@bigbosskingpingeorge]

"But what about the ones that paid it off"?, me personally knew ahead of time of the debt, and that's why I didn't go to college.

[@canman5060]

@@kbanghart $10 earn $9.91 goes to taxes.

[@TiktokTownhall]

As a black woman in this country I will gladly take this 20k for my 30k student loan debt. This is one of the best things to happen to me financially. I’ll be able to finish the rest of my debt and purchase a home by 25

[@txkingg]

Why does your race matter? That's ignorant

[@handleyobusiness]

Us blacks will run after anything that's free. 😏

[@StephSteph5]

We, like the natives, should have free education so.... everyone wants to forget slavery. Weirdo's

[@lisiaetv5478]

You deserve the $20k plus much more. Move forward and continue to be great.

[@eos_2366]

God Bless 🙏🏽 I would take it too. Let the haters hate and the old man be bitter 😂

[@David-dm3po]

They have people trained to feel bad for getting help although the rich are used to receiving freebies lol. It’s pretty sad

[@perotal]

When the rich get it they are "smart", and if you see a problem with that they will tell you to pull yourself by the bootstraps and aspire to become rich too.

[@SarahR2D2]

It's called being responsible. The rich create jobs. With out them we wouldn't have any companies to work for 🤯🤯🤯

[@Ivy-wv4wd]

@@SarahR2D2 the middle class creates just as much value in our society as the rich.

[@SayaAplha101]

Take forgiveness. If she wants to be extra cautious, put the money apart, and if by December the forgiveness is not applied yet, then pay it.

[@my2moneypits]

Blows my mind they told her to pay it off when it makes zero difference

[@amoneydaproducer]

Grandpa Dave if they would have forgiven your debt before you filed bankruptcy you would have took it. 🤦🏽‍♂️

[@beatdown3361]

Who wouldn’t. We all are gonna pay in taxes anyway

[@mirandab2657]

Rachel accepted her fathers money. She didn’t try to take every scholarship available and turn down the money for her college.

[@MsKariLola]

I only have 9k of student loan debt. I’m going to accept the clearance of debt and stay out of debt!

[@jessegarciaiv5380]

Dude I’ve got 11k but I got a pell grant some I’m all clear as well. Hopefully this thing actually goes through

[@lbnielsen3028]

which is - of course - what he would argue for anyone else to do. Get out of debt as quickly as you can and stay there. Take it and don't look back!

[@lionheart93]

Make good financial decisions moving forward because this is a great opportunity imo

[@CasandraTheFloridianLifestyle]

How do we accept the clearance of the debt?

[@jerensteffen]

If you apply that same logic to taxes, wouldn't that mean you shouldn't take any tax deductions/credits?

[@WillmobilePlus]

Not even remotely the same. Seriously get better talking points.

[@JR-wu8gf]

@@WillmobilePlus yeah definitely not the same. Rachel definitely is a hard worker and is qualified to speak on this topic 😂

[@Nox-q8k]

It's exactly the same. Thanks btw

[@WillmobilePlus]

@@Nox-q8k Wasn't aware that my earnings was just a "loan" from the feds that me taking deductions (TO LOWER MY TAX BILL) was akin to me being "forgiven" from that loan repayment. Almost like your average Zoomer is clueless when it comes to money.

[@TonyaNicole7]

Wait on them to pay it off!!!!! Some people are bitter of this announcement and put that money you have into savings take this blessing

[@craigslistrro709]

Isnt it hypocritical for dave to run down the loan forgiveness program? when he stood before a Judge and did the same thing with bankruptcy?

[@lisiaetv5478]

Yep.

[@mariofigueroa9254]

Exactly!

[@miryland]

And I’m pretty sure he took out PPP loans… lol

[@Nursemidratz]

He paid it all back later on

[@darlenepaul2934]

Hes paid back every cent later!

[@Bigdarrin90]

I wish he held corporations who don’t pay taxes to this higher standard 😂

[@jacobrodriguez7771]

Corporations pay the taxes they are legally required to pay.

[@coreysmayfield]

@@jacobrodriguez7771 do you really believe that?

[@AaBbCcDdEeF]

@@coreysmayfield he’s right.

[@scottthomas7591]

Just because some corporations doesn’t pay income tax, doesn’t mean they don’t pay taxes. They pay a TON of employment taxes and a TON of sales tax. Income tax is only one type of tax and to say corporations don’t pay taxes just because they pay zero income tax is incorrect.

[@infinitesyntax6263]

@@scottthomas7591 What on earth are you on about? Sales taxes are paid by the end consumer. Yes, it's the retailer remitting them, but it's most certainly being paid by the end consumer.

[@Monsieur_le_Monke]

Accepting forgiveness is not immoral.

[@aleahuggins]

If forgiveness is immoral, then the whole idea of Christianity has a HUGE problem.

[@user-ew8mp3oc4n]

Dave never says a word when giant corporations get massive hand outs. He hates this because it helps regular people.

[@LaneDenson]

You're new here, aren't you?

[@jmorris023]

Handouts for giant corporations help stock prices, of which he is a stakeholder.

[@44fastgun]

Can you send me the link to where the giant corporation called the Dave Ramsey show for financial advice? Thanks

[@bobbyb7672]

It's funny how people let their political loyalty make them do things against their own self interest. If you want to throw the money out of the window to make a point, go ahead and have at it.

[@AV-iw3xc]

It’s funny how some people don’t have ethics enough to pay what they took. We need more James Braddock’s and less welfare, food-stamp loving people with no desire to contribute their share.

[@Elram_91]

Sad how some people function.

[@KC-qr3wk]

I’ve never understood people voting against their best interests…

[@sirahgale]

I listen to the Ramsey show because the callers are interesting, but when Dave starts going off on politics, I can’t take it anymore.

[@Sheryl777]

Politics is intertwined with and affects our own financial picture almost all the time. The two really can't be separated like some people think.

[@jmorris023]

Correct.

[@jacksonjames7177]

I can’t wait to have my loans forgiven and then come on this channel to tell you

[@Anthony-dj4nd]

🤣🤣🤣

[@kimberlydavis8613]

😂😂

[@TheMweezy28]

how’s that supreme court block going

[@fromnytomd]

I had $100K in student loans forgiven today!

[@A.--.]

Turns you into a trust fund baby spoken straight into the eyeballs of a trust fund baby lol

[@shaleeyamills7315]

I knew I couldn’t be the only one thinking this🤣🤣

[@sirisaacmormont5445]

The mental gymnastics required to utter those words was ASTOUNDING. Went right over his head.

[@michaelvan6675]

She’s not a trust fund baby she works hard as you can tell and is highly competent. Inheritance is something else

[@A.--.]

@@michaelvan6675 you Inherit a TRUSt not earn it lol

[@littlebob1261]

@@michaelvan6675 She sits on a radio show in dad's studio

[@TheAgentmigs]

You can tell by Rachels tone, body language and word choice that she's afraid to speak her mind with her dad there...and that tells me everything I need to know about the company.

[@nathanhaines1721]

Her inheritance is on the line 😂

[@aleahuggins]

@@nathanhaines1721 😂 I know right, lol!

[@kristopherrainbolt2617]

Ramsey, you are WRONG to tell people this.

[@abimbolaalagbado526]

The money that goes to Ukraine come from somewhere as well. So telling me it not morally right to take a student loan forgiveness is a bunch of BS

[@angelabridges1849]

Exactly! Quit giving to other countries!

[@SpeedfreakUK]

Youve spent trillions for 70 years raising an army to destroy the Russians and now the Ukrainians are doing it for you with a few billion and some hand me down weapons and this upsets you? Give me a break.

[@Ankiul1]

Two wrongs don't make a right.

[@kevingray3690]

The first failure is Middle class folks taking advice from the rich.

[@pottacoola]

How so? The best financial advice is from the rich. This is a moral question really and they are saying pay it off but...

[@klopad57]

Does Dave Ramsey just voluntarily give up tax breaks? All of those tax breaks add burden to us tax payers. It's easy for him to talk about morals when he is a multi-millionaire.

[@joeyeasterling149]

What tax breaks are you talking about? Can you be specific and objective?

[@MWebb-de9pq]

Wrong. Tax is theft.

[@GunGlutton]

Taking out a loan vs tax breaks are not even close to the same. I shouldn’t have to pay a cent if you can’t pay your loan back

[@klopad57]

@@joeyeasterling149 I don't do his taxes but as a business owner and big into real estate I'm sure he uses all eligible tax breaks. Well deserved of course as he generates tons of tax revenue and economic activity. I'm just saying it's a little hypocritical on his part. However, I understand how it fits into his overall message of managing money.

[@marshallwise3605]

Dave paid back money that was removed from him during bankruptcy that he didn’t owe because he felt ethically obligated to pay it. He practiced what he says to do here.

[@youssouftraore6910]

As if Dave did not profit off 200% of all the tax right offs and forgivenesses in his business ventures

[@nadjapiechot256]

Wonder what he is paying on taxes...

[@shamikasmith3196]

But that’s not ok for people making less than 125k. What a freaking hypocrite.

[@frobeck1487]

Love how Dave completely leaves out that the price of college inflating at a ridiculous rate is a product of Reagan’s commodification of universities. When they were actual public institutions there was incentive to keep costs down.

[@funstuff9153]

Can you explain this more. I don’t know what your referring to.

[@donjohnson1416]

He doesn't live in DRAMA land like you. Get over it. If you pay the stupid prices you are the one at fault.

[@smart127]

In 2010, Obama eliminated the federal guaranteed loan program, which let private lenders offer student loans at low interest rates. Now, the Department of Education is the only place to go for such loans.

[@smart127]

Facts matter.

[@KC-qr3wk]

@@smart127 this is only part of the story - the pilot program for this change began many administrations before Obama’s

[@jermainebennett7473]

Absolutely DISAGREE!! if I can get some of my tax dollars back to pay off my student loans...I am taking it!! That extra $2300 can be put towards another debt. Matter of fact, I have $1500 that I still owe that I can use a single paycheck and pay off. But i`m gonna put in my application for it to be forgiven.

[@amoneydaproducer]

To the Caller: if you don’t want to use the 10k I will use your portion 🤣🤣🤣🤣

[@ianklein3045]

You've got to be pretty dumb to be offered $10k in student loan forgiveness and go out of your way to say, "No thanks, I'd rather pay you $10k."

[@mithrandir3300]

Also Dave files bankruptcy. Thats passing the buck too. If it works for him, it can work for others.

[@jbarkley4938653]

Dude just said the money has to come from somewhere. The money came from the tax payers. It’s about time to help the American people. We put in a lot and we expect the same. Common sense. This is the most illogic episode ever on this channel.

[@sirisaacmormont5445]

“Turns you into a trust fund baby” as he’s talking to a trust fund baby 😂🤣🤣 the mental gymnastics of these righties is incredible

[@lexie9109]

Yes she may inherit $ but she does work as well

[@MultiNutterbutter]

She is practically creating her own business off of her Dad's success/help... Thats not a trust fund baby.

[@atown27]

He said Trust fund baby!!!! His daughter sitting right next to him is one...😆

[@lisiaetv5478]

My thoughts exactly.

[@allisonwoodrum2880]

One of the rare times I disagree with Dave. This horrendous policy is going to do the damage it does whether or not people "take the money". There's no going back on this money set aside. I see no reason for them to in a sense punish themselves more than anyone else by not taking it. Said from someone who worked her tail off to pay off all my student loans already.

[@angelabridges1849]

Exactly, I was blessed to get scholarships for my education, but we did pay off my husbands Bachelors student loan… take the money! And we are taxpayers.

[@LittleMopeHead]

I paid off my student loan debt, and agree with Dave on this. It's matter about principle and integrity for me.

[@KurtisB]

@@LittleMopeHead Where was Dave's "integrity" when he declared bankruptcy and had the taxpayers pay off his debts?

[@SarahR2D2]

If no one takes the money where is the damage 🤯🤯🤯

[@SarahR2D2]

Guess what some people qualify for welfare but don't take it

[@musadawood2655]

Glad to see American citizens getting a piece of the reckless spending pie rather than it going to military, foreign aid, corporate bailouts, etc.

[@christinateresabrown]

Exactly!

[@MaximusTheChosenOne]

Lol most Americans are blind to that logic

[@aaronwalters2677]

@@MaximusTheChosenOne what dipshit logic would that be? You will pay your 10k with perpetuity in cost of living increases. Reckless spending yes, but adding more reckless spending on top and then saying it’s great we’re getting a piece of that is pretty dumb. Inflation is a tax, there’s your logic, congratulations, your taxes just went up.

[@thetruthsayer8347]

This is the dumbest advice I’ve ever heard dave give. Of course, daddy’s little girl would say “write a check”. She always had a sliver spoon all her life😂

[@marbs8615]

and Papa Dave paid for her college, she never had student loans

[@sirisaacmormont5445]

Their intellectual dishonesty is showing

[@danmchardy6424]

Your insecurity and jealousy is showing. This hasn't even been officially approved yet btw, what if that student debt forgiveness never comes? Are you just going to sit there and wait indefinitely?

[@thesig301]

@@danmchardy6424 I think it has been approved.

[@kbanghart]

@@danmchardy6424 fake argument, try again

[@cs1992]

Some making $124k a year deserves ZERO in loan forgiveness. I want REPARATIONS for paying mine off.

[@kahrbad]

Its easy for her to say dont take it Her father is Rich

[@johndematatis9718]

Why would you not take it? Save 2k for emergency fund or toward a downpayment

[@DrewLeyMusic]

I would take the money. You might not need it now, but life happens. Hospital bills, car repairs, etc. you never know what’s up ahead

[@Mihogan]

I'm looking at this forgiveness as a refund on all the bull high taxes I've been paying for years (and yes, I pay Federal taxes)

[@evolve5418]

Exactly!

[@chadd587]

What about my refund? Looks like my paying high taxes for years went into YOUR pocket. Good on you making bad choices. It paid of for you. I pay and then I pay. My burden is your relief. Sound about right?

[@evolve5418]

@@chadd587 sounds like you’re uneducated

[@moniquebaskett338]

Right!

[@moniquebaskett338]

@@chadd587 Did you read what he said? He pays taxes as well. So it's just as much his money as it is yours.

[@dkaik]

Take the forgiveness. Such a dumb take. There’s no moral obligation here. So stupid from Ramsey.

[@WillmobilePlus]

Yeah, it's just dumping your debt onto other people, like "there’s no moral obligation here, maaaaaaaaaaaaaaaaaaan!".

[@dkaik]

@@WillmobilePlus lol how idiotic are you? It’s you getting your tax payer money you paid returned back to you. Shush kid. Adults are talking.

[@dkaik]

@@WillmobilePlus If you insist on paying your loan if it’s forgiven, you’re beyond pathetic.

[@vorhees8208]

Moral obligation....and this is the govt we're talking about. Who gives af about being faithful to the govt who takes our SS tax dollars for an insolvent program and bails out millionaire bankers.

[@JasmineAvril]

She could get a refund for the money they paid during the pandemic from what I’m seeing. It’s not like they’re gonna apply their $20k to someone else. Just my thought. I’m taking my $20k and will be accelerating the rest. Already calculated how long it will take to pay it off. $20k is just a stepping stone for my loans, but I’m thankful.

[@Beyond_That0]

YUUUP applied for the refund today but is going to take quite sometime like 120d minimum

[@plannerbrittany]

I’ve been paying as much as I can during this relief time and now that the news came out, I will be taking the opportunity. I feel I’ve made good choices with paying as much as I can to my obligation but this is an amazing opportunity in many ways and I think we should utilize it. For the personal responsibility aspect, I do understand completely. However, those who have been paying and aren’t making enough to pay for other debts etc, I think we should feel good in our choice to take this relief.

[@pagalhokya]

Definitely. Why not take it if they're going to hand it out anyway and other irresponsible borrowers are going to benefit from it? Take it and become debt free.

[@kbanghart]

@@pagalhokya people like Marjorie Taylor green, her husband's company I think had a large PPP loan forgiven, and yet she says that this student loan forgiveness shouldn't happen. Well forget her, take the 10k.

[@Juju-dy7ek]

For all payments made after March 2020, you can get a refund for those payments.

[@dr_pinna543]

"Made good choices" & "other debts".

[@plannerbrittany]

@@dr_pinna543 car? Lol

[@asucena5575]

You guys really did a disservice to this women. She’s also dumb for listening.

[@lisiaetv5478]

I hope she has better sense than to listen to them.

[@steve-on3234]

Really??????!!!!!!!! Geez. All those poor people DR told not to take PPP. Don’t make same mistake. Wait. Take forgiveness. Use the left over for wealth building. Otherwise you are $3k poorer than everyone else.

[@Champstarrable]

They’re encouraging her to lose 10K basically. I bet this lady and her husband have paid taxes their whole lives and now they can take advantage of this break but of course Ramseys say “no!”

[@rodrigocortes3641]

I pay around $40k in taxes yearly. U bet I’m taking the $10k forgiveness. I don’t have student loans thou

[@petalsjones]

Was it immoral when the wealthiest in the country were given tax cuts and still doesn't pay their fair share of taxes? Oh wait...that's different.

[@AnimeBeefRandoms]

The wealthy pay the most taxes

[@jeremyfree2fish586]

What tax cuts did they get??

[@kbanghart]

@@jeremyfree2fish586 you don't think the wealthy get tax breaks? Hmm which rock are you living under...

[@snafuAB]

You mean the top 10% who pay over 50% of all taxes collected? Those ones..

[@frobeck1487]

@@snafuAB you should look up effective tax rate. You don’t know what you’re talking about.

[@AlexJ189]

After receiving the 20k (pell grant recipient) I will have 13-14k left to pay (my original amount of loans I took out). This is going to really jumpstart the remainder of my debt payoff and allow me to use those extra funds to put toward paying down my mortgage and also funding a 529 for my (future) children. I’m a bit disappointed that we are harping on the fact that this is happening and not coaching people on what to do with the opportunity to make sure future generations aren’t in the same boat. Not everyone is a grifter waiting for a handout.

[@montymython754]

Yes you are

[@sirisaacmormont5445]

Take full advantage! Great to hear good things are headed your way!

[@lisiaetv5478]

What a blessing! Soooooo happy for you!!!!

[@TheeSamuelNelson]

My only problem with the student debt relief is that this isn’t solving the root issue, only slapping a band aide on it. This is to a degree, just kicking the can down the road.

[@theaverageordinary3347]

Exactly..you still bandage a wound until you can properly care for it. First aid responders and ambulance medics still care for you in transport until you’re placed near necessary equipment and tools. Now this analogy doesn’t go very far if no one looks at the root issue in the future but that doesn’t disqualify the value of the “bandaid” (all said in kindness btw)

[@LV-FOURTWENTYSIX]

I don't know why dave is so against this. If it helps people go for it. Dave filed for bankruptcy which cleared his debts so what the difference.

[@dipsuny]

Dave only believes corrupt racist realtors deserve handouts..he also keeps saying Margaret’s thatcher..woman who created britiain’s national universal healthcare 😂

[@littlebob1261]

Dave is a hard core Republican, that's why

[@mikekeenanphd]

I don't support the student loan forgiveness policy. But, of course you should apply for it if you are eligible. Just as I am sure Dave applies for every tax break for his business. The policy itself is a handout to the middle class from the poor. How do I figure that? Because it is the middle class that goes to college, not poor. And the inflation that results from spending money we don't have will hurt the poor most of all.

[@danielletenbusch6768]

Dave's businesses provide jobs! Poor people are just about the gimme gimme gimme.

[@txkingg]

@@danielletenbusch6768 I'm not poor, yet I'm taking advantage of the loans. Wealthy people keep more than 10k in tax breaks every year.

[@kawa1755]

@@txkingg from what tell me because I pay more than 70k a year in taxes and i have been trying to get a tax break. 45% of my income goes to taxes.

[@mikekeenanphd]

@@kawa1755 Yikes. That seems like a lot. Where is that all going? High tax state?

[@kawa1755]

@@mikekeenanphd california

[@Tamisvideodiary]

Dave is so ridiculous at times. Seriously, I can’t understand his individualistic selfish mindset. Most people agree that college is way to expensive, people who come from very poor backgrounds and others are getting some relief but your mad because you’re about your self and how hard you work. People need to stop using the e Christian label because they do not act like Christ.

[@lisiaetv5478]

Thank you for saying this!!!!

[@xavierhicks9008]

A guy that filed for bankruptcy is now talking about someone's moral obligation to pay something back lol

[@darlenepaul2934]

He paid every cent back actually.

[@xavierhicks9008]

@@darlenepaul2934 It's absolutely sad that you actually believe that

[@lewishowery9202]

@@darlenepaul2934 wrong

[@moose1442]

I have to say, for how much Dave says he wants for families to get ahead he has a hard time eating his words. I will benefit from the 10k, and I fully intend to utilize every bit of it that I can even though I don't agree with the politics of it and even though I've paid off a large sum of debt during the student loan pause. It happened. Its done. Period. It's money on the table and it would be foolish to leave it there.

[@Cesar-pq2ck]

Free money?

[@moose1442]

@@Cesar-pq2ck I know it's not "free". The taxpayers pay for it, but it's there for us to use is what I mean.

[@Bob-yh7ir]

It's not happening yet. I think the courts will overturn it saying it's an illegal order. If that happens then those people who put paying the loans on hold will just have suffered more.

[@llgoulet74]

ITS 👏 NOT 👏 FREE

[@AfroLatina3]

According to Dave, that makes you a “trust fund baby”…

[@jeffdarleneriel5628]

I wonder if Dave is equally appalled that $128 billion dollars of church contributions are tax free, or that churches don’t pay property tax, or that clergy don’t pay Medicare or SSI, or tax on income used to buy a house? Why do taxpayers have to subsidize your church or mosque? Dave has no moral problem declaring bankruptcy or telling his followers to settle debts pennies to the dollar. “The wicked borrow and do not repay but the righteous give generously (Psalm 37:21).

[@laine1497]

I wonder if he went back and paid those left high and dry after his bankruptcy. He ought to say if he did. I think if he had paid them then he would have fluffed himself up publicly. He brags too much about being a giver. Give quietly.

[@Feanor1169]

Are you in favor of making all non-profit contributions taxable or just to religious institutions? Are you some kind of Marxist?

[@lanelipkin6399]

I like Dave but not taking the relief is dumb if your trying to build wealth. Which from what I understand is what this show is about right? I don’t agree with the relief but Dave and his representatives should feel bad about not telling people to take this relief if they qualify.

[@1irustim]

What's the difference in taking responsibility between filing bankruptcy and student loan forgiveness?

[@SarcasticTruth117]

When you file bankruptcy the bank takes responsibility and the loss. Student loans has no accountability process in place and when we bail them out, us taxpayers must foot the bill.

[@snafuAB]

@@SarcasticTruth117 isn't it amazing how many people aren't understanding that..

[@henrytep8884]

@@SarcasticTruth117 who bailed the banks out during the financial crisis?? Funny how people easily forget that.

[@1irustim]

@@henrytep8884 those bailouts dwarfs any student loan forgiveness

[@henrytep8884]

@@1irustim I agree, and that’s why I have no qualms with this relief for students. I was just poking holes in their argument because they didn’t realize when the banks were going to collapse, the tax payers bailed ‘em out.

[@jayrocapela]

I had 20k in debt at the start of 2020, pandemic put it all on pause, and haven’t paid a cent since. This decision was against Dave’s advice and I am now getting all 20 forgiven.

[@guevarasamson1165]

This is horrible personal finance advice! I definitely understand that this is unfair for people who paid off their student loans. I really do. But $10k or up to $40k forgiven for a family is HUGE. You HAVE to take advantage of that…..That’s a whole yearly salary.. and you’re telling people to NOT take that? Come Dave… You guys are talking through your feels right now.

[@rowcut35]

Didn't Dave ask the state of Tennessee for millions to build the Ramsey Solutions building next to I-65 that money came from the taxpayers! But Thats OK right! 😂😂😂😂😂

[@gosolvideos]

If you ask dave he will call it smart business

[@victoriagarcia5533]

People seriously calling about this? Think about all the corporate and bank bail outs. The PPP loans businesses took out without paying it back. You work? You pay your taxes?

[@fobmaster2]

The comment section on 🔥🔥🔥. Y'all not cutting Dave or his daughter a break today 😂😂🤣🤣🤣

[@blackworldtraveler3711]

Yup. They are making a lot of KZbin $$$$ today.

[@henrytep8884]

@@blackworldtraveler3711 true they making money, and everyone with student loan debt is making money. It’s a win win win