How To Pay For College (The Right Way)

[@NaamWynn]

Instead of going straight to a 4 year school, get all of those prerequisites done at community colleges. Its a fraction of the price, and give you time to avoid debt when transferring!

[@nate9952]

Very very true. I’m doing this right now... it’s quite literally a life saver.

[@bradleypost8971]

I’m doing this now. I’ll have little to no debt when graduating. College choice is the number one cause of debt.

[@bandbuoy]

I did that, it saved me a lot of money but I still ended up with debt, despite going to an in-state state school.

[@georgemendez5245]

better to go to a 4 year school and do the pre requisites there as they're usually easy gpa boosters

[@bubbles201990]

Not gonna lie, I didn't know to do that until I was maybe a year in. I'm in my third year now

[@BreannLaFaye]

PLEASE PLEASE future college students, listen to all of these people! You will be wealthy, debt free and happier in your future! I WISH I knew of them earlier

[@umerasad]

Okay, im 16 and planning to go to Exeter University

[@RhettsterLes]

I’m 19 and owe 2400 in tuition even after financial aid. Idk how to get scholarships or grants and I know I won’t lol

[@parallellunar1533]

@@RhettsterLes Two thousand is not that bad unless you don't have a job for some reason , but good luck with your studies.

[@LittleWitch1990]

I’m 33 and did some community college in my 20s and just now going into an actual private college I am looking for any scholarships available to pay

[@lenhardtswag8]

I got two years done at community college for free. I now commute to a university 30 mins away from home. I make about $1,000 a month from working. My college costs about $7,000 a semester. I am using Financial aid for one semester and pay out of pocket for the other semester. When I'm done I will have about $21,000 in student loan debt but I will be earning at least $60,000 as an engineer. Glad I went to community college, and glad I decided to stay at home and commute.

[@josepha4655]

Nice bro what type of engineer will you be

[@jacob1931]

Jo Jo I hope you’re able to do well with your smart brain

[@motofreak2772]

I did community college and went on to get an engineering degree. I regret wasting time at the community college because the engineering degree did not require the amount of gen ed classes that the associates did. I ended up graduating the bachelors with like 30 credit hours extra. Luckily I did the community college at no cost but in the end the only savings I really ended up with was 1 year of housing. I would trade the 1 year rent savings for freshman year + the wasted 30 credit hours any day... Community college can be good but I wouldn’t recommend it for engineers unless you do the AA while in high school or your school offers some engineering specific courses. I also graduated with only 8k in debt but that was due to working weekends. Just providing another perspective for people reading the comments.

[@lenhardtswag8]

@@motofreak2772 I went for the purpose of transferring credits, not trying to obtain an associates. They did a good job picking classes that would directly transfer to the university I planned on going to after I was done there. As long as you know where you want to go after community college I would just go for transfer credits that apply towards your degree.

[@lenhardtswag8]

@@josepha4655 Electrical and computer engineer

[@economicalcanadian6066]

a lot of kids want to live away from home and not work during their college years. they get approved for a big loan and think everything is alright.

[@buster7618]

Geography actually works the other way in the states. If you apply to private colleges far away that are good with merit they usually will be generous because they want to improve demographics.

[@user-td7xf3gz4l]

@@buster7618 that's fine if it's a full scholarship

[@buster7618]

Full scholarships are few and far between, but yes a very significant aid package can make it worth it and often less expensive than other options. Every family is different, but staying at home isn't necessarily the cheapest or best option, that's all I wanted to illustrate.

[@michaelmentality]

S.R. Sinclair dave is an idiot and so are u

[@ayabellaoui6698]

No prom, no graduation, no job, and no money for college. Life is great.

[@gauche5800]

that's just 2020, I guess 😰

[@TheKingOfGreatness]

😂 oh 2020 how great it is

[@BestVids-ti5di]

Pray

[@evankuykendall5748]

Just get a new job...

[@ramonasaracila2717]

@@TheKingOfGreatness pppplpppppp}} 1l1999l.oppm

[@zuzu6252]

God bless all the parents that choose to pay for their children's tuition.

[@manthemanmantheman6611]

God bless my parents

[@MK-oe5md]

Hahaha I WISH

[@raegan8274]

@@MK-oe5md fr 💀

[@68orangecrate26]

God bless the kids that are really smart and figure out how to navigate their way to success without a hand out. They are the true leaders.

[@wulver810]

@@68orangecrate26 it isn't a handout if you plan for you kids success and teach them along the way.

[@KeeganM1]

Okay. The woman speaking mentioned “spend the 30 minutes to fill out the form and write the essay..” I agree with the overall premise of the video, but she needs to realize her words are a little reckless here. Many of the scholarships that I have applied for are competitive, and 30 minutes on an essay is ridiculous. It takes days, in my opinion, to write a solid, well written and well thought out essay that gives you an actual chance at winning a scholarship.

[@johndenver6816]

She did say for $200. But yes it will take most people more than 30 minutes to write an essay. Her point though is you have to make the effort in some amount to get a result.

[@dete503]

You also need to understand the scale. A $200 scholarship is not worth spending days on. Many of these essays can also be copied and pasted and edited to cater each requirement. Reuse your materials. Don't start fresh on each application. Work smarter. There's nothing wrong with reusing your own essay. It's yours!

[@jeffsmith9420]

What you need to understand is she is a shill. The whole point of DR is to pander to right wing religious rubes. Basically its not about giving advice but telling a story.

[@dete503]

@@jeffsmith9420 Then why are you here? His methods work. I'm 31 and already have $800k net worth thanks to DR. I don't have any inheritance either. Just working hard and working smart. Has nothing to do with "right" wing unless you're on the left with the government as your daddy. I paid for my own college by the way. Parents didn't pay a dime.

[@jeffsmith9420]

@@dete503 Of course you are..... With blah blah blah MLM you will be worth millions in a couple of years.

[@the_bush_family]

We learned the hard way but fortunately we've now cleared $125,000 using Dave's plan and are 100% debt free INCLUDING our Tiny House!

[@christahphur]

Living Tiny with the Bushes congrats!

[@jjayguy23]

And ur a cute couple!!!!

[@SheBaker]

That's awesome! Congratulations!!!👏🏾👏🏾👏🏾

[@elsaromero4743]

Congrats!!! Keep it up. 😊

[@michaelmentality]

PoopCoin Patrick you’re an idiot

[@avril14thlove]

I don't think it's realistic to push the narrative that all or even most college students should be paying for their education up front and in cash. Even with scholarships and part-time jobs, the ability to pay for college up-front isn't a reality for many students. I do 100% stand behind the community college track and did it myself. At the end of the day, nobody needs to know that you were a transfer student and you'll end up saving thousands.

[@nathalieisneon]

avril14thlove i think it’s totally doable. Working part time w good jobs, get scholarships and prioritize your grades to keep the scholarships... live at home.. go to a community college if no large university is near by.. it is doable. It’s just that most kids don’t make the sacrifices needed to do it.

[@kathrinlindern2697]

@@nathalieisneon It's not always doable. Depending on the degree, you might have to study so much that there is little time for a part-time job, at least not more than ten hours a week. You might live more than an hour drive away from the next university. There are substantially fewer scholarships available than students enrolled in college, and it is pretty unfair to say that if you can't get a scholarship you just should not go, as this would only defer poor students, even though they are just as smart and hardworking as rich students that then go on to get better jobs. A big problem is just that these loans have interests above inflation for everyone. I study in Germany. Fees are so low they basically don't exist, you have free, state-wide public transport and if your parents are poor you can get BaFög to support the cost of living, which is half a gift and half an interest-free loan from the state. It can not accumulate to more than 16.000 Euros for the whole Bachelor degree - if you get maximum support. The state sees this as an investment into the future economy, as the only thing we can offer as a nation is basically high-skilled labour.

[@Batman96925624]

unless you have the "rich privilege" and your parents pay for your college or were smart and saved up for college during your younget years

[@michaelmentality]

Nathalie Cuestas you’re an idiot. it’s not realistic or doable in most cases

[@michaelmentality]

Joseph you’re a loser

[@MyNameIsCorey]

I Remember being so upset with my mom for not co signing on my plus loans for trade school, now that I'm all grown up I thank her so much for being a parent and seeing what my juvenile mind didn't see

[@Batman96925624]

how much is trade school anyway? I always thought it was as cheap as community college

[@michaelmentality]

your mom failed as a parent. if she cared about you she would’ve did whatever it took to get you where you wanted to go. you should hate her

[@thiagogregory1]

@@michaelmentality YESS, amen

[@marcoparada6652]

@@michaelmentality,I disagree. That mother who refused to sign had her reasons. Was the young adult financially responsible? Most of us have to prove this after 16. If he failed to do that, then the mother felt another lesson must be demonstrated. You need to realize it's not the same for everyone.

[@jackjack4412]

​@@Batman96925624 It's expensive when you're living on your own as a young adult.

[@ivanroque7171]

I'm a court interpreter. Vocational school, law library, and studied like no tomorrow. I passed my state exam. 84k a year job, translate documents on the side to bring an extra 20k a year. I avoided the trap of university and going into a 50k debt! No thanks.

[@stayathomemarine]

That sounds interesting! What does a court interpreter do exactly?

[@MrTmenzo]

@@stayathomemarine learn a different language. He propable interprets Spanish to English.

[@ivanroque7171]

I interpret at criminal court, at trials for defendants, witnesses for the prosecution/defense, among other things. If you are already very fluent in 2 languages, you are off to a good start. You just have to master legal terms, medical terms, idioms, cuss words, slang, and become familiarized with different areas such as cosmetology, burglary tools, gardening tools, estates, car parts, attire, physical descriptions. There are a lot of things involved but it can be done and it is well worth it!

[@MarioHernandez-ci4cc]

Que bien!

[@christodd4965]

@@ivanroque7171 Gardening tools?

[@cutlerylover]

Best way to save money is not to go unless you know what you want to do in life and a degree is necessary for that...WAAAAY too many kids go off to college because they dont know what else to do and mommy and daddy dont want them sitting around playing videos games...Also its my assumption that if the student was the person paying for college most of them would close down due to a lack of students...

[@cashboy7406]

Stop making excuses. DEBT FREE DEGREE!!!!!!

[@cutlerylover]

@@cashboy7406 No excuses just saying if someone wants to go to college they should make sure they can afford it...Too many loans too much debt too many sad stories or regret...Not for nothing but I've met lots of people in my life and a college degree doesn't reflect a persons intelligence level at all...I've met really smart high school drop outs and a few real big dummies with paperwork that said otherwise...lol

[@marktheshark2569]

You’re exactly right, I’m going to community college, my mom is paying for it, but I don’t know yet what I want to do. My mom kinda forced me to go to college (fortunately she is paying for my community college). When people get done high school even if they don’t know what they want to do, they are kinda forced into college. A lot of people have to pay for it themselves which makes it even worse when u don’t know what u wanna do and u gotta pay for it

[@seaportsthename]

precisely why i ended up dropping out. my parents essentially forced me to go and “just do something”. thankfully it was community college but i had no motivation at the time since i had no idea what to do with myself. fast forward to 27 and im looking hard at welding and paying for it with cash.

[@510bayareaprincess]

@@marktheshark2569 I feel like this will be me with my kids.. I started saving $ for their college education since they were born!! call me crazy but I was that one person who wanted to go to college and did but ended up dropping out because it was very hard to do full time and work to pay for it.. I barely had time to study for tests I I had no family support nor financial support. Even if you don't know what you want to be now keep going down the road you will hopefully have a better idea but at least you didn't waste time working at mcdonalds nothing wrong with that but time flies... Goodluck!

[@NickPeitsch]

Don’t spend $100k on a degree that won’t even make you half of the cost in return

[@slphillips1986]

Worked full time while getting my masters graduated debt free, treated my tuition like a monthly car payment instead of some far off financial concern.

[@slphillips1986]

@@probablyasleep5026 I was paying the tuition for the classes I was currently taking at the time. I worked for the university and they paid for 60% of it and I financed the rest of it like a car payment

[@joshuaalvarado4111]

@@slphillips1986no one cares

[@dragonmaster7841]

There is no school average people can pay cash for except community college. I went to med school on all loans and glad I did. If I used the Ramsey approach I would’ve been in retail for life.

[@teephillips468]

I just ask which state has 10k tuition...its not nj I can tell ya that...it 14-15k here.. 60k for a 4 year degree...not including room and board

[@bwilliams6755]

@@teephillips468 Tennessee has arguably the best deal to go to college in the nation. I go to community college and it is completely paid for by the state. The state grants and programs actually pay more than the community college tuition, so I get around a $2000 refund every semester. For most state Universities here, after grants and everything, it's around $5000 out of pocket for EVERYTHING. meal plan, dorm, tuition, etc.

[@auIette]

Beck Stein I disagree, I'm getting ready to graduate from a four year college worth a bachelor's and paid cash all the way. Three degrees total and zero debt

[@super8bitable]

Beck Stein What?

[@lumanate1493]

Or alternatively you go to community college for your first two years and transfer. More than anything though most kids don’t know what they want to do.

[@nathalieisneon]

I went to school debt free! How I did it: Graduated high school and obtained 2 large scholarships Worked about 20-40 hours per semester (depending on the class loads) to sustain my lifestyle and pay for other school expenses outside of tuition Lived at HOME (OMG NERD -don’t care... I still got to party and have fun by visiting my friends once or twice a month) I graduated on time, no debt.

[@nicoletaylor2880]

Im actually gonna do this

[@itsmesteve1081]

Nice, I haven't went to school after I graduated high school and work close to full time now. I don't know how to break it to my manager that I want to go back to school. Sigh

[@erikcarreon3973]

How much was your college tuition?

[@jordanhargrove1071]

As Dave Ramsey would say “Stud” your a “stud dude”

[@King29Lewis]

My college is an hour and 45 minutes away. I can’t do stay at home

[@RonnygoBOOM]

Good luck filling out a form and writing an essay in 30 minutes... I don’t disagree about applying to the scholarship, but don’t make it sound easier than it is. Give it the respect it deserves. Spend a few hours to write a good essay and proofread it and have a trusted friend or parent or teacher edit and help you revise it.

[@joemacy2776]

It's also worth mentioning that going part time and paying less per quarter/semester can be a good way to make it more affordable. It will take longer to get your degree that way, but it will be worth it when you graduate with no debt.

[@Thepippinator2]

I wish someone sat my 17 year old self down and showed me every major and what the job outcome was, expected salary, etc. I think it’s foolish to let 18 years olds make one of the most important financial decisions of their life. I majored in psychology and it was a rude awakening coming out of college and making 20 an hour with rent being 1200 a month. I ended up having to go back to a speciality tech bootcamp while working multiple odd jobs to get where I am now (6 figure income). I feel like college didn’t prepare me well for ‘being an adult’. I do think it can be a great resource but I was too immature and irresponsible to take it seriously. For anyone about to go into college, REALLY look at each major and pick one that has a good return on investment. Don’t go into some bs major because it’s ‘your passion’. You don’t need school to do many passions.

[@andreblackaller3560]

Michael Macaluso I think I’ll be you once I’m tired of being unemployed and actually go for the CS/IT side of life haha.

[@niniboo3792]

I’m starting school next week and gonna major in psychology if you see this please hit me up on ig: @ciccyqueen I need serious advice

[@l.a6273]

@@niniboo3792 if your not going to grad school it's not worth it.

[@TheLightShines]

Is finance a good major?

[@l.a6273]

@@TheLightShines its a great major my mother studied it makes 80k a yr as a finance manager wife currently studying it at a very cheap state school.

[@jacobamiri196]

First time I seen more than 1 person on Dave Ramseys new huge desk. Finally making use of it.

[@kathope4484]

I went to uni and I took student loans for it. Yes I owe it now but I had the time of my life. I don't mind paying it back. Worth every penny. Great experience, great degrees that opened many doors.

[@fatimahernandez1536]

Kat Hope would you recommend going to a community college first to cut down the student loans?

[@rachelmanavi4819]

fatima hernandez yes I go to community college and it was such a smart financial decision

[@KhamTVinc]

I recently found out a girl in my graduation class went to Yale. While there she accrued $150,000 in debt. Didn't work at all to focus on her liberal arts degree. It's been 8 years since she finished and is making a whopping $29k a year. Meanwhile her boss who went to community college and worked part time makes triple her money due to work experience gotten just having a part time and being able to afford the extra education at a CC in business management.

[@jackielynn9088]

GoodWill Hunting

[@yuo3670]

This story sounds like an r/thathappened.

[@aaaicila_]

Ivy Leagues are VERY expensive and I found that out real quick!! I’m really curious about how the Yale graduate making 29k a year that you know utilized their time while studying there. Going to an Ivy League does not automatically guarantee you a high paying job after college, but majority of their graduates are not exactly struggling for income after entering the workforce. Prestigious schools like that really do offer some of the best internships, networking events, and connections. My opinion is that many students don’t take full advantage of those opportunities while they’re studying at such institutions so they struggle after graduation because they didn’t build the solid foundation that was needed to start their career.

[@jenemi1934]

Hey maybe she just needs more experience and her salary will sore high. Anyways it doesnt mean she was dumb, she probably went bc she wanted to or that she was outsmarted by the name Yale and also didnt know she couldve saved money if she has gotten her prerequisites at a community college first

[@dbazile15]

I'm glad that I saw this since it just verified what I did right. I live in Philadelphia and there are alot of schools and I could've stayed home. I decided to live on campus, worked 3 out of the 4 years had scholarships and financial aid. I graduated owing $15k. Graduating in marketing got a job in finance after I graduated (hated the classes but love actually working in it) made $45k my first year living at home and paid off all of my student loans that first year.

[@Journal_Jonesy]

Wish I would have known all this before I started going to college. I now know better, will do better, and will teach my kids better.

[@kolt9307]

I lived at home; had a part time job and I paid my student loan off when I was 29, I am now 32. all my other friends are no where near finishing because they took out as much loan as they could to have a better life style. from personal experience I didn't miss out on anything; I had just as much fun living from home as they did living away.

[@PikaKnightStudios]

My academic coach helped me with my scholarship applications. I was afraid of essays and all of these really high level intense thinking questions that I wasn't going to be able to answer. In reality the form took two minutes to fill out, and the questions were super easy to answer. It took no effort on my part whatsoever and I ended up getting one for A THOUSAND DOLLARS! I never would've even signed up if I didn't know how easy it would be. Everywhere is different, but talk to your advisers, they are there to help!

[@obamahater4205]

I like how his daughter has had no struggle financially what's so ever but she acts like she knows the other side just because her father did

[@jeffsmith9420]

They are all just shills and propaganda artists.

[@jacobg8640]

Amen to scholarships! You never know! I'll never forget the day I was bored at work and got the email saying I had won $13,000 because of where one of my parents worked. All it took was an hour to gather the tax returns to apply, and I had the funds I needed for my target school without private loans. Applied to my high school community for scholarships, the district just gave me $500 just for writing my name and giving a resume. Another $500 essay contest that summer my college had for 5 winners, they just gave it to all 9 applicants. I applied for another essay contest I wrote in an hour which I forgot about, randomly got a letter six months later awarding me $1,000. Then in my Senior year I told my adviser I wanted to go into the grad program, but even working full-time I wouldn't be able to afford it without more debt which I refused to take out. He told the board and they decided to award me $10,000. That's $25,000 for maybe at most 5-10 hours of my life. And I'm a white male who barely qualifies for anything. You'd think I'd won the lottery with that kind of money, but it is a lot more possible than people think.

[@jeremiasiraheta5471]

Dude how I've applied to atleast 20 essay scholarships and havnt won shit 😩

[@benjaminvonwerder9167]

I grew up in a college town, and I just can’t believe so many people that went to my high school refuse to go to the college because they are tired of it and want to get out of town. There are also a lot of students that do attend the college but refuse to live at home.

[@noahbell9432]

I like Dave, but here's the thing, in order for you to pay off college debt in cash, you literally have to work every single day in HS and maybe earlier to earn even near enough. Scholarships from the schools do almost nothing unless you are a 4.5gpa student. Also, what colleges you looking at that costs 8k a year? More like 20k.

[@mikemayo4812]

Not everyone still lives with their parents and needs their paychecks for rent, bills, groceries, etc...

[@jeffthecoder]

Those people qualify for hefty Pell Grants

[@bridgetlynch1]

I second this. I have not lived with my parents since I was 18 and I am independently paying for college (age 22 now). When requesting for FAFSA and scholarship, I was never given the option to use my annual income on my supporting documents as I had to enter my parents annual income to determine the help I could receive. Even though they have not and will not pay a dime of my education. Not complaining, just for insight.

[@melika3519]

@Bridget Lynch can I ask what it is that you do that’s paying you so well? Help a sister out

[@bobbio100]

Yeah that's what's kind of frustrating about this whole notion. I mean, sure, you can live at home -- if your home life is stable and your family is supportive. Sure, you can go to vocational school -- if you want to sacrifice your passion in life for blue collar work (there's no shame in blue collar work, but it's not going to fit perfectly for everybody). Idk, just a lot of people are gonna fall through the gaps through no bad choices on their part, and that's the real problem with the student loan trap. You can borrow money safely and invest it in "yourself" and pay it off as you work through school, but it requires an unseen amount of stability that not everyone can attain ahead of time.

[@michaelmentality]

Squidian The Bo Fish still doesn’t cover the entire semester

[@notedown1010]

"Decent mechanics making 80k right now" I'm a huge car guy in my area (Raleigh, NC) and know lots of mechanics. I haven't met a SINGLE one (ASE Certified, Community College grad, with 10+ years of experience) that makes more than 50k! Dave what are you talking about?!?!

[@Remo1147]

Yeah he sounds out of touch here

[@berrex5152]

truck and coach mechanics can run circles around $80k

[@Kevinschart]

just more misinformation from ramsey so he can sell books

[@yeehawtomahawk]

I have zero regret for the debt I went into to receive a very high quality college education. The friends I made and professors I learned from are priceless.

[@edwinortiz1262]

Rich people thinks everyone makes good money

[@ian-hm6cx]

I’m in my sophomore year of high school and I’m planning ahead. With all the knowledge I’ve learned from Dave Ramsey, I notice a lot of my classmates are certainly going into debt saying things like “I’m gonna go to [out of state private school] and become a teacher”

[@Mrsmetamorphosis2012]

Update

[@andyc9902]

How was it

[@maxprado9030]

The real problem is how expensive school is now relative to wages. Their ppl like my self who paid for their first two years through community then transferred but u still ended up taking loans which I tried my best to pay down but dang school prices ain’t playing.

[@bobgunner3086]

Let's see if I followed this right ... BEFORE you start university and get your degree, learn a trade, work in that trade to save up money for school. That is absolutely BRILLIANT!!! And no sarcasm here, seriously. Now after say 6 years (2 years of working in your trade after high school, plus 4 years of university), you have a degree, AND a trade you can fall back on if need be. Frick!!! I love that.

[@seyanperry6763]

What makes this even better is if that trade pertains to your degree, you can come out with job experience that will make you more marketable once you graduate.😊

[@bobgunner3086]

@@seyanperry6763 great point! What if you were an electrician's apprentice and you got your degree in electrical engineering or something similar.

[@CheekyMonkey1776]

I worked 40 hours a week in a blood bank at night and went to school full time. The sweet part was I could study several hours a night while at work.

[@lost_papi]

They paint it as if working, doing scholarships, going to a cheap school is the solution. I did all of this and the loans are still there. Thats the reality many are facing and an issue that has to be resolved from the educational system itself.

[@ShaneHummus]

Awesome idea. This would be very helpful both for guardians and working students. Thanks for this helpful video Dave. Keep it coming.

[@BagsNBaguettes_327]

True story: Almost 20 years ago, I applied to hundreds of scholarships during my junior year in high school. I knew my parents couldn’t afford to pay for university. We were poor and I was becoming increasingly nervous about the potential debt. Due to my solid grades, I got bright futures 75% paid at a Florida state school and got a scholarship out of hundreds I applied for, they paid for the difference. There were times I even had money left over to save! I had my bachelors completely paid 100%. Once I went to MBA school, I had to pay that on my own. Scholarships are out there and students need to do the work! I really wish more students would apply themselves to find these scholarships. I went to see my guidance counselor in high school and she provided a list of hundreds of scholarships. It took me hours to apply to each but I did it. I got 1 and it paid off. Thank you GOD. I am very blessed 🙏🏻

[@mommy8406]

Tania Martinez Thank you where did you apply for scholarships for grad school? Thanks

[@bandbuoy]

SO if you applied to 99 you wouldn't haven't gotten anything and would have wasted your time. Which is what would happen to the majority of students I'm afraid to say.

[@i9incher]

​@Beyond Tribalism Yeah, because they don't tell you who has applied for what scholarships so you don't know your competition. And when you're working full time and trying to go to school full time there are only so many hours in the day. If there was a way to know how many people have applied to what scholarship, you can pick and choose which one you want to apply for. But there isn't, so the most popular ones get noticed. This means a few scholarships get hundreds if not THOUSANDS of applications while the rest don't get noticed. Because there is NO WAY to tell which one is worth spending your time on. This guy had to apply to 100 scholarships to get just 1. IDK how anybody who is working full time AND going to school full time can realistically do that, Especially with the amount of time it takes to write an essay ( a few hours per application).

[@lefthanded5473]

Times are much different now, more kids applying for scholarships and the payout is much less.

[@michaelmentality]

Beyond Tribalism not true, they are just hard to get

[@debrawilliams7983]

Some kids are not cut out for College. There is Trade School or the Military

[@angelbear_og]

Young women should have families.

[@debrawilliams7983]

Angel with the Phonebox [Angel Bear] Why just Young Women? How come Young Men can't do the same thing. A Young Woman can be more than just a Mother these days

[@dete503]

Debra Williams biology shows that women have a ticking clock. For men it’s not the same.

[@Vita-a-stelle-e-strisce]

Military is obsolete in 2021. Why we should go to wars?

[@Andre-sw1ct]

I agree completely for undergrad. But I would looooooove to see someone ‘work their way’ through medical school. 😂 Out of my 204 classmates not ONE has a job. Half are on loans and the other half are on daddy money. Is it possible to hold down a job in med school? Absolutely. But every hour you spend not studying will reflect on your STEP score and boy oh boy will you be kicking yourself when you’re only competitive enough for family/internal med because you prioritized a $ 15,000 part time job when you were 24.

[@mikemayo4812]

Agree. Dave is out of touch with reality. If you're going to school to be a doctor, paying off those loans should be laughably easy.

[@itspricila]

yeah thats the exception

[@ericaclarke-tachoir7652]

He's not talking about medical school - he is talking about basic undergraduate education for those who are going to school to major in the humanities, business, communication, etc. Kids are spending 100k these days to major in "Leisure Studies." WTH?! BTW, even a pre-med student can have a work study job (20/week) or be a resident assistant in the dorms. Work in the med school, tutor, do research with faculty and EARN SOME CASH!

[@Jamieforeals]

Also have to consider how hard the field youre going into. Medical field is very difficult as far as schooling goes!

[@marisacasciola7287]

@@Jamieforeals True. I had to stop working my junior year. I couldn't keep up with work and school anymore. My grades suffered, which makes it difficult to get scholarships.

[@tinalindsey1598]

It's because the government is involved in the loan business hence tuition costs are outrageous. Get the government out of the equation so tuition can be reasonable.

[@shortchubbyneckbeard1681]

Tina Lindsey The government is involved in college in Europe and it’s either free or extremely cheap

[@tinalindsey1598]

@@shortchubbyneckbeard1681 nothing is really "free" in this world. Whether through higher taxes, etc.

[@alastairskinner2301]

You want government to be involved so it’s not run for profit... same as healthcare.

[@shortchubbyneckbeard1681]

Tina Lindsey Yeah I’m cool with that Kind of like how we have public school for people K-12 now so that kids can get an education regardless of socioeconomic status

[@user-td7xf3gz4l]

@@shortchubbyneckbeard1681 hey dumbAz.... it ain't free when yo income taxes r 55% and sales tax (vat) is 20%....

[@InvestorCenter]

I graduated from college this past week debt-free. I am a first generation college student and my single mother didn’t have money to help. I worked 50+ hours a week between internships and starting my own business. This wouldn’t have been possible without Dave Ramsey and the Ramsey Personalities. Graduating debt free is possible. God bless.

[@alliewaite6128]

I graduated debt free with my Bachelor’s Degree. I am now working on my Juris Doctor. I currently hold a full tuition and fees scholarship at my institution. IT IS POSSIBLE! To all the high schoolers out there looking at college options, do not get looped into paying tens of thousands for the “college experience.” Your attitude defines an experience NOT your education institution. I am so thankful my dad is an avid supporter of Dave or else I would’ve never believed a debt free education was possible.

[@wyattcraig739]

Don’t get caught up in needing a “college experience” I go to college 100 percent dept free because I go to a local branch campus and will earn a Penn State degree. I work 15 hours per week through the year and 7 days a week through the Summer. I pay for the schooling and save roughly $5,000 a year. Please live at home and stay local!

[@SpfySpaceJam]

Do the payment plan. Instead of a loan. Ask your school if you can pay monthly payments for your tuition.

[@yme3267]

They already have that... but if you don't have the money.... then you can't go to school.... kinda obvious

[@SpfySpaceJam]

Um I'm giving advice dudes I already went to college lol

[@fatimahernandez1536]

Sufer_Girl how exactly does this benefit more? I’m not judging I’m actually trying to figure out how to pay for college

[@SpfySpaceJam]

@@fatimahernandez1536 instead of taking out a loan. You can pay monthly payments on your tuition instead of paying it full outright. This helps if you don't immediately have all the money available. Plus no debt. Most colleges will ask for a $50 fee for joining the payment program. You must pay the balance by the end of the semester or you will not be able to take classes the next year semester. That's usually how it works. Ask your college student accounts/financial aid they can help you get started☺️

[@TheKingOfGreatness]

Fatima Hernandez get a good paying job in the field you’re interested in, live at home, work, and then gradually pay off the debt until you can pay it off fully boom done

[@Maddieelovesu]

While I think this can be great advice, I think it is also important to not feel shame if you do have to take out student loans. I went to community college for all of my pre-requisites and saved 14k by going that route while paying it all out of pocket. But, once I had to start taking nursing classes, I wasn’t able to work full time and also do well with a course load that heavy. And, I didn’t have the privilege of being able to live at home during the process. Student loans are a tool and there is no shame in needing them. Just don’t take them on without weighing the options or not trying to mitigate costs in other ways

[@JoeyP322]

After I graduated high school (back in the early 80’s) my dad offered to pay for my college. I know he didn’t have the money and it wasn’t his responsibility to do that. I joined the Air Force, got my GI Bill which paid for my bachelors. BEST decision I ever made! Look into the guard, reserves or active duty.

[@DannyTechaholic]

To anyone reading this, I went to a community college. It was totally worth it. The links I created as well as the cost and opportunities I made for myself with other companies was amazing as a business major. It was easier to find scholarships to the point where like Rachel said in the video about getting scholarships and finding a job on campus. I still work around 20-30 hours a week while attending school even during Quarantine and I am not only getting paid and having the chance to create a bigger emergency fund, but I got so many scholarships that I am literally GETTING PAID TO GO TO SCHOOL!!! I am about to become a Junior in College next year with my Associates and I will keep doing the same thing until I graduate with going to work on weekends, building a portfolio and inevitably have on my tassel and hat "Debt Free" when I get my Bachelor's in Entrepreneurship. It is possible. I am here to tell you that being debt free is possible. You just have to find the opportunities and use your resources just like how you found this video.

[@shaochiavang]

Go to community college to get your gen ed credits for 1/3 of the cost. Make sure they can transfer and then go to a

[@jackieruso6493]

I agree with 95% of Dave's points. However, I like Suze Ormans' approach slightly better when it comes to financing your education. Her point is, if the student does not have a full ride scholarship to pay for college then have them take out a loan in their name only. After they have proven themselves to be responsible young adults with good grades you can then take the money set aside in their college savings account to pay off the debt as a graduation gift. This way, you're not paying up front only to have the money wasted if they drop out of school.

[@qwertykaitlyn]

Dave ramsey and his team should actually do the challenges they're recommending for KZbin content and concrete proof of THEIR recommendations, the pizza, the nanny, the waitress. Any job you guys are recommending or have her write a scholarship essay in 30 minutes. And see if she gets it sksksk

[@Kevinschart]

no....they're just here to sell books not give real advice.

[@JB-kx9bx]

I think society (high school administrators, parents, etc) need to stop putting so much pressure on kids to get a degree as early as possible. You won't necessarily graduate into a good job market which is ok if have no debt but potentially catastrophic if you have alot of debt. Take one or two classes at a time paying cash from a part time job, live at home or live with 8 roommates, enjoy life! No need to rush.

[@raymundovalencia9381]

Love how they give the youth advice

[@pep590]

Love how you and at this time, 18 other losers fail to find anything wrong with their advice. They are giving it to the youth cause the youth will take out the 1000's in school loans. C'mon Raydumbo.

[@johnappleseed203]

The dude next to Dave needs his own channel. He is my favorite

[@Ecoi1]

Especially for STEM degrees, there's a lot of great paid internship and undergraduate research opportunities that PAY you to work at them. Plus it looks great when you apply for jobs as you already have relevant work experience. Some of these are summer experiences too.

[@liv3817]

The internships (at least in biology) don’t usually pay that much; I did one this summer that was unpaid but it actually guaranteed a spot for a good PhD program which covers tuition and stipend- so the extra ~5k loan debt (which I would’ve paid off with a summer job) was worth it.

[@austinpatrick2682]

I went to college for a year, hated, dropped out, and make as much money now as if I'd stuck with it. You don't have to have higher education to succeed, you just need a higher mindset and some sort of skills to offer. People aren't content anymore and think they have to set themselves up for being in the highest pay bracket. Truthfully the highest pay bracket almost entirely belongs to college graduates. But happiness and contentment can exist at any pay level. Middle school and high school kids need to be shown the option of no higher education as a valid option. It really works as long as you have something to offer an employer. And you can learn any skill on KZbin now.

[@lovefunkrockmusic]

Austin Patrick Exactly. Watch Gary Vaynerchuk’s videos

[@ramona8136]

this did not age well tsk tsk.

[@madmaxbdw]

If there is a will, there is a way. It is all about the mindset. Just give it a try and I am sure you can walk away feeling proud of what you did accomplish.

[@RangerRayRanger]

You don't make $200 in 30 minutes, you will have to do alot of essays to even have a chance at winning.

[@divyangvaidya1999]

Ain't that the truth.

[@dakotakoki1519]

I go to a D-1 private college, and the school has a policy we’re first and second years have to live on campus, which ran up my debt. But after listening to you guys, I started working my junior year and started making changes. I am 12k in debt now, going into my senior year which isn’t bad since the school cost 50k+ per year. Just wanted to say work while in college, and apply for scholarships! Pce

[@coconutsfor2963]

Dave's right - I'm living proof of a master welder making 115,000 a year ,plus benefits . We never get enough credit - sad but true . No college needed ,just hard work.

[@stayathomemarine]

How long did it take you to get master? My husband just graduated from his electrician apprenticeship as a journeyman. He makes 50k a year which I think is good money in my opinion!! I wonder how many years it will take to get to the 100k a year range. His dad is a master electrician of 30 years and he brings home six figures a year.

[@coconutsfor2963]

It took me about 18 years to work my way up the ladder paying my dues to the older welders their before me . But it was well worth it .

[@nate9952]

Joseph Morales congrats man, you’re very inspiring to me.

[@whateveryh2119]

Not everyone wants to make two pieces of metal stick together over and over again for the rest of their lives. There's a reason you get paid so well to do it.

[@coconutsfor2963]

Whatever yh your looking at it wrong - I weld infrastructure which includes highways, bridges,homes - everything and everywhere you drive and lay your head , needs welding - it’s a need and essential

[@domoniquemiller2226]

So thankful my oldest that’s currently in college has great scholarships and grants so we only have to cash flow around $1100 a year for the rest of her education. Debt free 4 year education!!!

[@JB-kx9bx]

If I could do it again I would have: 1) Take summer classes at a local community college during high school (Calculus, chemistry, physics, humanities, etc) 2) Apply like crazy to scholarships. 3) Transfer credits to an in state 4 year school. 4) Work some job(s) while in school to pay for living expenses. 5) Applied to internships in different industry sectors each summer to get a more diverse skill set. 6) Majored in mechanical engineering and minored (maybe even double major) in computer science. Theres nothing wrong wrong with taking 5 or 6 years to finish college if you're gaining the right skill sets.

[@Heyitsmaria24]

Community college is great, but you have to search your major and university your transferring for. Some credits they don’t accept/ don’t transfer or they require extra classes that you have to take there. My ex had to take a few more classes to pass general education AND one of his classes wasn’t enough. He had to retake the same class again. My suggestion is talk to a transfer advisor that’s part of that university, use a transfer website to see what classes can transfer, and plan.

[@jvolstad]

Great educational benefits in the military. You can even take classes while serving.

[@SB-xj8xj]

I'm surprised most people don't think like this. When I was in University, I didn't take out loans. I worked and went to a school that I could afford and had no debts by the time I graduated. Student loans aren't a money problem its a behavior problem.

[@yme3267]

Your degree was in? Your living situation was what? Two HUGE factors.

[@kuzain73]

I like that

[@SB-xj8xj]

My degree was in Drama and Communication studies. I was being pushed by my parents to move to Toronto where going to school for the same degree would have cost 5 times more there than in my hometown. I opted to stay at home where I could get the same education for cheaper and I could work to pay for it myself.

[@lefthanded5473]

Sean Bardgett Not every student has a stable home life and environment that allows them to do that. What do you tell students living in tough neighborhoods?, with abusive parents? What about students who don’t have thousands for a car? A million reasons why students live on campus.

[@ebonih7138]

I don’t have to pay for school and let me tell you, it is HARD to go to a school you don’t really want to. First semester was extremely tough and my grades felt it. Mental health priority is super important.

[@evanpadilla6840]

This woman speaking facts bro. Convinced me to try harder

[@benden5095]

My friend that barely got out of high school, earns more as a plumber than my other friend with a PhD from Fordham university.

[@escanordaone9383]

deymmm i wish i can do that being a plumber??

[@equinox2584]

@@escanordaone9383 But do you really want to be a plumber. It's not all about the money sometimes you should do what you love for lower pay because you only live once so do something you love.

[@escanordaone9383]

@@equinox2584 yeaa I totally understand you im more into drawings,comics and stuff

[@T1k1Torch]

This just helped so much!! And gave me some great ideas thank you!!

[@King_of_Smug]

An idea: So you wanna go to college, and you are dedicated to a plan. However, you have no money, not a dime. You can take advantage to students loans, but be smart about it. 1) Treat college like a job, and spend all your time just studying, learning, memorizing. High grades absolutely matter in a real job. 2) Weekend Job, If you can. If you are able to work for some extra money on the side, definently go for it. However, education is first. 3) Get scholarships. There are thousands of scholarships, a lot of them just raffles. Take a day out of the week end just aimlessly sign up for scholarships. Every dollar makes a difference. 4) If you need them, use loans, but be smart. Let's say even with part time, there is no way you can afford it, it's absolutely possible. So what you do, take out a loan, keep the money with you for driving, food, basic survival. Then, get as many scholarships as possible. Then, take the loan money you received, and pay any monthly or fees you need to pay, if you can't. Realistically, loans are the only path to a good education and a great job. You need loans. Be smart with the loans, so your debt goes from +$100,000, to $10,000.

[@glennhill175]

Look if you go to the reserves they will give you a scholarship. The scholarship will cover tuition plus some schools if you have a full tuition scholarship they will waive the housing fees. For example Grambling state university!!! That’s how I did it!!!!

[@spencjon4822]

*Don't work more than 20 hours per week!* Please listen to this advice. (I'd even suggest 10-15 if you're in a study/project heavy degree in stem) I tried going 35-40 hours a week with swing and some graveyard (I was able to do some homework while working, so I justified it like that) and ended up with failed classes and sleeping issues I am dealing with to this day. I ended up taking out student loans to pay for health insurance and health care.. I then liked how that felt and took loans for everything and worked like 10 hours a week and bankrolled too-expensive of a lifestyle with student debt -- I owe nearly $100k. I'm glad I got a good job right out of college, or the stress would have been really hard to deal with.

[@lunagregoria8827]

There is a long waitlist for nursing school at the community colleges in Arizona. You can’t do nursing in Arizona until you have completed a nursing program and get a license to practice. So unless Arizonans are willing to wait 2 years to get into the most affordable nursing program which takes 4 years to obtain (6 years total but cheap), then their options are to enroll in “for profit” colleges that have no waitlist (4 years total but pricey).

[@purplemoon1511]

If you are in HS, take dual-enrollment classes! It will save you money because the school pays for it and you can get an associate and graduate college early

[@raulgolfs]

This is a great topic young people need to hear! I have $20,000 in debt while going through baby step 2! Love the new layout of the show! You guys at Ramsey solutions are doing an amazing job!

[@KimmyDTV]

I REALLY wish i wouldve known this

[@christopherwilcox9654]

Same 😢

[@diannam8796]

I am so happy my son chose our state university where he is getting free tuition and we have enough money in his 529 plan (thanks to my parents) to cover his on campus housing, meal plan and books. He will have no college debt and neither will I!

[@concietedriah5613]

Make sure you go to a school where it is affordable not where your friends choose to go and end up not paying for school look at olaffordable colleges where u can focus

[@eliasrodriguez4507]

I went to community college then a university, worked with my hands as a machinist, die builder, maintenance tech ect. still came out with $50,000 of debt and worked on school over the course of 8 years. You need at least $25,000 a year to live independently and than $30,000 a year for school. How is student going to acquire $55,000 a year while in school and with no credentials. You're advice comes form a good place, at least I believe it does but even with a plan so so SO many things have to go right to come out debt free. I did an exceptional job and still cam out with massive debt.

[@BrianErwin]

but some would say the college experience at your dream school outweighs a measly $25,000 of debt.. i know i wouldn't trade my college years at my dream school for the world.. can't put a price tag on lifelong friends, studying abroad and seeing the world, living away from parents, school pride, and all these amazing memories.. on the flip side of a 17 year old choosing to bypass the above, you have them turning 35 and regretting not ever having that experience.. doesn't seem the choice is as simple as you put it

[@Kevinschart]

plenty of people don't go to college. you're drinking the kool-aid. the "college experience" is just that. it's not special, and it certainly isn't necessary. Bill Gates and Mark Zuckerberg aren't lamenting about not having a college experience. The only people who have these thoughts are people who aren't making anything of themselves. no need to look backwards if your future is bright.

[@BrianErwin]

@@Kevinschart bill gates and mark zukerberg went to harvard for several years and dropped out.. if it weren't for their education and the people they were around, they wouldn't be billionaires today.. they stole ideas from geniuses at harvard to make their wealth.. again, this just strengthened my argument that the college experience outweighed the debt they were accumulating.. even if it was just two years of study, it was better than nothing.. that you didn't know this speaks volumes about why education is important..

[@equinox2584]

I agree the college experience is worth 25k, the primary problem is people aren't just using it for their tuition as long as your responsible taking out a loan is ok. Let's be honest here who has the money to pay for a good school, no one has that kind of money. Furthermore, there are plenty of studies proving that if you came from a low-income family but went to a very prestigious college then you are significantly more likely I mean like 75% end up in some of the top income brackets after. So yeah I would say the college experience is worth the loan.

[@nataliepineda8127]

@@equinox2584 right like if you’re a first generation college student or even being the first generation in your family to be a citizen, going to college makes that significant difference in getting you and your family out of poverty. It’s the rich people that have the luxury of not getting an education but still having connections because of their parents

[@equinox2584]

@@nataliepineda8127 I am confused are you agreeing with me or not. I am not in poverty or remotely close to being there but my family still can't afford to pay that kind of money for college which means I would have to take out a lone which is fine because a job out of college for me at least will pay 80-100k a year. All I was saying is that you take out a loan, then you get a job and so long as your loan payments aren't too big a loan is probably going to be worth it.

[@rodrickanderson2333]

We’re right, I graduated high school in 2016, while I was in high school , i Earned a football scholarship full ride 🏈 to Holmes Community college. when came home every weekend . On the weekends I worked at Buger King. Graduated in the spring of 2018.

[@michelarosier1918]

Dave Ramsey, I'm right on time and click really fast to get this important information for me. Also, I need to buy this book for my nephew, to be prepared. He is in middle school seven grade. 👌🏽👏🏼 Thanks, for sharing team Ramsey's.

[@colemanmonahan6146]

Not many people mention how great of an option the military can be. In my state as a Guardsman (1 weekend a month and 2 weeks in the summer) we get a tuition waiver and textbook reimbursement. Can easily graduate debt free. But even on the active duty side, go do a 3 1/2 year contract and get a 100% GI bill that will pay for all college tuition and give you a monthly housing allowance for 36 months (equals out to about 4 1/2 years of school time). This is just another option to graduate debt free.

[@joepic85]

I did community college, Lived at home, worked 25ish hours per week, then commuted to a state school for 2 years and got a business degree. Finished zero debt. It is very doable

[@yme3267]

For a business degree.... yeah. A super generic degree as it is.

[@Aznmf]

@@yme3267 those are the ones working at Starbucks.

[@andyc9902]

What are you doing now

[@joepic85]

@@andyc9902 im a procurement manager for a pharma company

[@joepic85]

@@yme3267 i make 6 figures.. i think I did alright with it

[@marisacasciola7287]

I paid out of pocket for the first 3 years of college(year 1&2 was community college). I'm graduating in a year and I only have $14,000 in student loans so far. I don't qualify for Pell Grants bc my parents make too much money. BUT I only had to pay for food, tuition, books, a few bills, and gas for my car. Not everyone has the resources from mom and dad. Don't take it for granted. While you're still in highschool ask different people about what they wish they did differently.

[@ludwigvonsowell5347]

Graduated college at 20 debt free. Commute, commute, commute. And I was on exec for several orgs and in Greek life.

[@escanordaone9383]

u graduated at 20 ?? hows dat possible

[@ludwigvonsowell5347]

Gilthunder 45 dual credits available in high school for 50-100 bucks a class.

[@escanordaone9383]

Alex Minor deym must be nice for u now im still in highschool idk what to do

[@ellencausey6864]

I love me some Dave & all these Wonderful helpful people actually telling the Real Truth about how it’s possible to put my Child through college! I have learned so many things for free from just listening! I am so so Grateful! God Bless!!

[@isaacwaffle1760]

I wish the scholarships worked out for me. I had a 1560 SAT and spent 40 hours on scholarships. Didn’t get a dime (except from the college). Even so, I was still able to get through this year with elbow grease from the summer. It’s a possibility if you’re not lazy

[@yme3267]

Well.... no. Not if you're a doctor, lawyer, architect.... no. Not possible.

[@silvereyedstacker1842]

The Guy With a Y Yeah, but you can for a four year undergrad. And there are some relatively affordable med schools out there and you won’t graduate with 100s of thousands of dollars in debt.

[@yme3267]

@@silvereyedstacker1842 Mines architecture.... so... 🙃 I just know med school being hella expensive. Which only makes sense though tbh. Same even with architecture tbh

[@denversupermarket7484]

That sounds like a great part time job! Free money

[@user-td7xf3gz4l]

@@yme3267 stop spreading myths. There are ways to find money. By working. By getting scholarships for those programs. By marrying someone successful

[@artemthetrain14]

I spent about 400 dollars on my education and I make six figures a year as a software engineer ;) be smart, put in the work, make it happppen

[@MarkZ_1985]

Like you said Dave, I am 34 years old & hate my 20 year old self. Working full time and part time to save for nursing school. I'm getting after it!!

[@Sophie3647s]

These videos are great refreshers for college students and never get old. You can watch this 10 years from now and the same concepts can be applied. One more term left for my b.s 🙈

[@yunoletmehaveaname]

"Your dream school should be one you can pay cash for" Education is a class gateway. Got it.

[@anthonymatteson8218]

Go to Southern Newhampshire University. No Act score required. They don't believe that standardized test can tell someone if you will succeed in school or in the career field that you have in mind. 37,000 for a 4 year degree only 675 for a 3 credit course for military.

[@TheRed02151]

start saving money by passing up on buying this book ;)

[@user-td7xf3gz4l]

Agreed. Read for free online. There are websites that have full pdfs of every single book

[@jeffsmith9420]

Yep wise move.

[@dougwilliams2890]

I did what these guys are talking about. Except I worked 40-57 hours a week and full timed school. I was exhausted for two years, but it was very much worth it for having an AAS in Robotics and Computer Maintenance from a Technical college. 100k/yr jobs are out there if you pick the right career that your talents can be applied toward.

[@MShah-ch6st]

What name of technical colleage during your study?

[@christianaalagbe6380]

Work part-time for an employer that offers tuition benefits.

[@robertprice9052]

I paid for college with the GI Bill, like my Dad and his Dad. My daughter finished Nursing School, four years debt free. She had acaemic scholarships, and cheered at a small local college while she had classmates from High School went to Big Universities to get the same degree. They have 30-60K debt plus credit cards. My daughter is debt free, investing into her future.

[@TheFinancialDev]

thats amazing!!!

[@Machiwi-vo9nb]

Tuition assistance and Gi bill is an option if your feeling patriotic and have 4 years to spare

[@TooHonest4_You]

Exactly. I used TA to fully fund both my AA and my BS. Still have the GI Bill left for Med School too

[@willbrooks9486]

The community college in my small town starts at 15k a year . You need to readjust that average debt and other numbers