I Owe $430,000 of Student Loans!

[@rynrynrain8012]

This poor guy sounded so overwhelmed and on the verge of tears in this entire call. I’m trying to get out of that dark place now myself. I’m so sorry man.

[@tsich3226]

This makes me so sad. Money just ruins everything.

[@highlyfavored2434]

Makes my 9k in debt look like a joke. I plan to pay it off in 8 months. Two RN jobs now, rice and beans

[@boltoht]

This is so incredibly sad.

[@user-ec2kd8sz3t]

So sorry RynRynRain, I didn't match the first time around so faced the very real seemingly impossible situation that you and the guy in the video are going through. Hope you find a way through.

[@jamesf.7431]

@Raquel M im sorry im not from the US. But what does dismissed mean? Does it mean you cant take board exams anymore?

[@matthewblue6243]

I’m glad he was brave enough to tell his story because others aspiring to be doctors need to consider this

[@matthewblue6243]

Lisa B tuition has grown exponentially since then too so I can just imagine those not on full scholarship affording school and that’s the point it becomes a lifelong burden

[@Saltycures]

YES

[@anitaknight3915]

@Lisa B That is incredible awesome job!!! you were able to build a prosperous life for yourself without all the sacrifice and massive debt burden that comes with becoming a Dr. I wish your family many more blessings.

[@insideoutsideupsidedown2218]

I dont buy this guys story

[@francistran432]

@Lisa B, you sound a lot wiser than most millennial women out there. Kudos.

[@alexispineda5075]

His voice sounds like wants to bust in tears of desperation. I truly wish him the best.

[@andrew8168]

I hear Vietnam is a nice place to live...

[@jrowlet]

​@@andrew8168What is your point?

[@YummyFood454]

This man did everything that he could to better his life. The stupid program sets people up to fail, if you fail the end exam 2-3x you lose the whole program? That’s ridiculous

[@erimei8478]

I have never understood why there are so many things in this country that are designed to punish those who are actively trying to improve their life and contribute to society. You're telling me there's NOTHING this man has to offer after all of the schooling he's received? At this point he's more educated than 95% of the population and it's all worth basically nothing to him because he doesn't test well. Truly a shame. I rarely feel bad for people who call into this show, but this one really got me.

[@bjkarana]

Nah, something else is up here because if he didn't flunk out in his first 2 years, it's really odd to not be able to pass your boards.

[@TedJesusCChua]

Let him be your doctor and let’s see how it goes.

[@mrburgermaster]

@@TedJesusCChua I'd let him be my family doctor; I'm not kidding, all I really do there is get the most basic of physical exams and blood tests, and the go ahead for prescriptions that I've used for years. If something is serious enough for me, I'd just go to urgent or emergency care.

[@sergegutierrez3019]

The medical field is rigorous field. I used to see my sister go days without sleeping because she would be up all night studying, go straight to school in the morning, come back home take a nap, and then go back to school or work. She repeated that for years. The people who study medicine have the peoples lives in their hand so if you can't cut it in school they're not gonna let you become a doctor. Its crazy stuff.

[@starwoors5343]

I am HEARTBROKEN for this man... He's NOT the only one... People are leaving school MORE BROKE than EDUCATED...

[@starwoors5343]

@SeasonedGamer That's SAD!

[@highlyfavored2434]

Yeah its truly a shame. These guys have good intentions to get an education, be independent and contribute to the economy. A first world country where kids go broke because of getting an education

[@MynameIsnotforsell]

I feel bad for him but he should have grabbed an understanding that a medical degree would recall retaining knowledge because no one wants a doctor in real life that can't be able to recall basic information without a textbook and use critical thinking to be together. This is planning and understanding weakness and strengths. Again, my heart aches but this is an example of knowing your strengths and weaknesses and attacking it.

[@fjalls]

Thank "God" that education is free where I live

[@Connetification]

Not really. EDUCATED and BROKE. Look on the bright side though. I might be broke but hey at least I am educated. When people ask me why I am homeless, I can dish out an educated speech.

[@nihilarv2303]

34 years old with 430k in student debt without a degree. Wow. Leaving the country might be somewhat of a joke in these comments but in this case i can't really see a better solution

[@timeactor]

@@peters5090 that is a really hateful thing to say

[@mac1bc]

Agreed. This isn't working out for him. He should move to a cheaper country and live there.

[@elegancworld4452]

@@peters5090 😔 evil!

[@jordanwright1916]

NihilarV he has a degree. He is a school biology teacher. He just did not pass medical school.

[@kchannel5317]

This country is lost anyways

[@KB-wl4ip]

This is the first Dave Ramsey show caller that made me feel next level sorry for him. Wow... Speechless.

[@CrackberryMe]

K Black totally agree with you about this call 😞

[@staciezimm]

and where dave really didn't have a decent solution for him!

[@leilanidru7506]

Stacie Pihonak he really didn’t🧐 just vague platitudes.

[@donnamakingherstory2084]

@Bella Femme thought the same thing. I've been grabbing the tissues. Hope he has family or friends that could help him and he starts doing a lot of side jobs to at least get something in his pocket. Heartbreaking. Definitely praying for him.

[@melissathompson4884]

Me too 😞

[@aladdincatubig5846]

It’s rare when even Dave is unable to help someone.😭

[@corybuffaloe5713]

Man, I got anxious just listening to the phone call. I can't imagine what this guy feels like.

[@NaturallyLluvme]

Pray for him.

[@StudentLearning737]

Yeah. His best is to go into research.

[@StudentLearning737]

@@alp.9672 no way he seems calmer than most in his situation. Sad irony, is that suicide and burn out is a high rate in that field, or so I heard.

[@boleslawkrzywousty7945]

What if he just didn't pay his loans - what is the worst that will happen to him?

[@freedom9240]

Paul at PMSHomes When he works, his wages will be garnished, some jobs check your credit history, even if he filed bankruptcy, his student loans still has to be paid...

[@kittikatz777]

I feel so, so sorry for this guy. There are too many ignorant people in these comments that have no idea what a soul-crushing, mind-breaking experience medical school is.

[@HelloThere-xs8ss]

Yet they want quality healthcare 😂🤣😂🤣

[@benjaminknotts745]

I went through a Physical therapist assistant program and it was absolutely awful Medical school sounds like a big mess. As much as it takes, doctors hardly know anything about nutrition or exercise

[@bigchungus920]

@@benjaminknotts745 somehow I believe you

[@thunberbolttwo3953]

I dont. He was the fool that racked up $430000 in student debt.

[@evilerroryt8448]

You gotta use a life to save a life. This is why most people don't become doctors it's basically a life time commitment which many of us can't do so early in our lives.

[@scarlettoslapas2084]

He should become a pharmaceutical rep. With his knowledge of medicine this could work well. He will be working with doctors everyday and the pay has 6 figures potential. Just my 2 cents.

[@kaycemoe]

@Dave 1977 Pharmacy Reps are not Pharm. D's

[@drn13355]

What knowledge? He failed out.

[@greg2663]

Trust me guys, he has plenty of pharmaceutical knowledge. Not to mention he has a lot of physiologic and pathophysiologic knowledge. Most Pharmacy reps have a business degree. Sincerely, a doctor

[@yankeemockingbird4985]

Yep Great RX Rep can easily make 6 figures just like Dave said

[@glcharlie]

I agree this is what my sister is doing and she's making 60k plus per year

[@anaadventures7669]

he can do a one year accelerated Bachelor's of science in Nursing degree that would get him to his goal of being in the medical field. then he could become a nurse practitioner which most hospitals will help pay for it and be making over 100k easily.

[@bellabella7899]

He only had one under grad program that can transfer to RN school he would still need to take loans to do the rest. This poor man 😢

[@anaadventures7669]

@@bellabella7899 with ABSN they accept any degree. my friend had a bachelor's in History and was able to do a one year bachelor's degree in nursing. yes he'll have to go into 10-15k more debt to get his degree but at least then he'll be making good money. with nursing you can work as much as you want. I actually don't feel sorry for him at all. make lemonade, man 🍋

[@dwilkins1189]

I swear i was thinking the same thing. Its like he ignoring AND underestimating what nursing can do.

[@EarlyBirdCraft]

Exactly. But sounds like he’s too good to become “just” a nurse. His ego is bigger than his student loan

[@jennzifur]

Leila Adams yeah, I noticed he jumped over that suggestion. He could do a community college route for cheap if he had to go low cost.

[@cactusben731]

You can't drink before you are 21 but at least you can go into crushing debt because of our school system when you are 18

[@suitedbastard3406]

Accumulate churching debt before you are 21, become a depressed raging alcoholic after 21.

[@andy_182]

Africa by Toto 2 y r u blaming the school system? Nothing wrong with the price of college being six figures

[@derekortiz3663]

@@suitedbastard3406 what's the solution?

[@derekortiz3663]

@@andy_182 are you being sarcastic? You must know that their rates are only a result of oligopoly and advertised nepotism, which is artificially inflating them.

[@Elliott_Elliott]

Free College... just saying, I know not one friend of mine who is in debt, whats wrong in America?! I am from Germany btw. study over here

[@nat-natc.8142]

My heart breaks for this man... I am sending prayers over on his mental and emotional health.... I pray for deliverance...AMEN!

[@Mags765]

Amen 🙏🏼

[@priscillasimon7453]

Amen. For strength and wisdom that God opens new paths

[@Thronsohn]

Well god is Not going to help. He has to Take measures into His own hands.

[@indiaxlovee]

Denckler Podcast i think she was referring to having peace while going through this

[@ManzeMapyang]

Yes, you can hear the distress in his voice 😥

[@lpz3665]

Im an uneducated truck driver. With zero debt . 5 paid off houses. And an income over 200k. It's not the education it's a plan.

[@gagegreen5384]

Holy cow man. That's incredible. Congrats!

[@JonnyBeoulve]

I'm so proud of you even though I don't know you.

[@YPEFFLE]

@Momo doctors have it that much better ??

[@myobdatt]

How long have you been in trucking?

[@Riac007]

Me too! Well, I finished pharmacy tech school but I don't do that. Still only a couple years into living on the road but I'm saving so much money I started doing research on how I should be investing my money and planning to buy a house. 😅

[@cramsa]

What’s screwed up is that even after doing the first 2 years of medical school, these students aren’t even qualified to get a RN job… or PA… or physical therapist etc. It seems like a sick joke…

[@joshd029]

One of the quiet stressors of Med School. We used to joke that each test was just another “career ending exam.”

[@ItsChiggy]

I feel bad for the guy, I really do, but in the medical field it would be unethical and dangerous to let someone who has failed back to back years to be considered qualified to be working with patients in the ER

[@dana102083]

Because theyre all specialized to their role theyre doing. Theres overlap in assessments and skills like an IV insertion, but wont apply elsewhere. Its hard to explain. Understanding physiology and anatomy doesnt mean you can apply that clinically in every role. You have to learn the system woth which youre in. Nurses train doctors how to qct in their settings lol

[@MBurns-gk8th]

My heart hurts for him. I could hear his voice shaking. I hope he finds a way out.

[@katwillny]

M. Burns Jesus. That’s horrible. I feel the angst on his voice. God help him.

[@catvishplans]

Same here. I am so sad for this man.

[@CobraHigh]

You can hear the fear and terror, and Misery in his voice

[@SuperSimpleasthat]

Bohooo

[@eitkoml]

He should get out of America, just run from the debt since he will never be able to pay it off. Just start over somewhere else.

[@hamonryehd]

Yes. I'd leave the country. He doesn't owe grandma half a million, he owes billion dollar companies who spend that much in office supplies.

[@gopet400]

he's tying a noose as he's talking

[@Ronfosh]

someone start a gofundme page for this man

[@Hosteyy]

Colleges shouldn’t be able to take this much money from a student

[@joshualaughlin2385]

its med school.

[@mohammedal-ahmadi8045]

do you think they care about students ? its a business for them

[@AaronHollander314]

90% of student debt goes for lifestyle expenses...not for education.

[@rajab4187]

@@joshualaughlin2385 in EU its $500 a sem

[@stancj7]

@@AaronHollander314 Thats not true. Look up tuition and cost of attendance breakdowns for medical and dental programs. Tuition usually accounts for 60%

[@vadim6385]

The poor guy did nothing wrong. He didn't buy cars, houses or go on vacations he couldn't afford, he went into debt for all the right reasons, and got chewed up by the system that set him up for failure.

[@texasstuff1281]

"for all the right reasons"? SMH

[@thebustosfamily]

If he can't afford it $430,000 loans are not the answer. I grew up poor couldn't afford college, I joined the Military for them to pay for it. He did not do it for the right reason. He gambled and lost now time to pay the pipper.

[@johne540]

@@thebustosfamily just because you grow up poor doesn’t mean the military should be the ONLY option. Just like college the military isn’t for everyone. If you force the poor to join the armed services that’s forced conscription based on class. Higher education should not be just for those that can pay. If you do the work get the grades pass every test then you have proven yourself worthy of higher education. The guy that’s poor and gets straight As has proven mor than the guy that barley shows up, skates by with a D average and still gets to go to college because his parents can pay.

[@thebustosfamily]

@@johne540 I never said the poor should join the Military. I said "I did" he did not so now he has to pay the bill. We all make our choices and have to pay the consequences.

[@IramCoercere]

@@thebustosfamily blame the system, not the people. There exist much better systems in various different countries

[@grecooo23]

This was my biggest fear the entire time I was racking up student loans in medical school.The system is so broken and ridiculous. The fact that at the end, you can fail a board exam, not make it, and still owe hundreds of thousands of dollars. Hoping this guy gets some help and figures it all out.

[@JayP-vh9wc]

CaN you not retake the exam???

[@shannon2748]

@@JayP-vh9wc He said he failed twice and that was the end...so sad. I hate standardized tests anyway. There must be tutors you can get to help you learn how to take these tests. Poor guy.

[@AWesker1976]

@@JayP-vh9wc If your patient dies - you don't get a do over.

[@JayP-vh9wc]

@@AWesker1976 fair enough, but these are students a just a tiny bit of leeway should be given. a second attempt and you are out type of thing.

[@RevPerdueJosh]

Exactly, the entire lead up is a joke. The school didn’t do right with him, how do you pass their classes and then fail their subjective end test? He’s using the knowledge THEY taught and said he did well in! Says more about THEM than anything else. He showed competence by passing their courses.

[@esthermluv]

This call breaks my heart 😞 I’m so sorry James, you can tell he is hurting.

[@sissyboislut3839]

He's a loser.

[@lexis19841]

I really hope he is ok. What this probably does to him mentally. Praying 🙏

[@kennethkirkham1024]

Subscribe me back

[@michellebachellet8992]

Dude, leave the country to start over and never come back. Canada, England or Australia are good options. This is not a joke

[@YPEFFLE]

Provably the best advice for this situation so far!!

[@gcass87]

I know you're not joking. We feel his pain.

[@SaifAli-kq9bv]

How does this work legally? Can debt collectors still come after you if you’re in a different country?

[@Rayden440]

@@SaifAli-kq9bv No they can't come after you for debt if you're in a different country. But if he's 430k in debt I doubt he can afford to move anywhere.

[@sailexw6414]

American Capitalism ruins yet another life.

[@tailorforeman7082]

I’d be lying if I said I wasn’t scared for myself and him. Dear God this will not be me!

[@user-lu6yg3vk9z]

Well if you don’t flunk out you will be replaced with machine or mid-level provider. Salary and Job Growth for Physicians is on the decline.

[@tailorforeman7082]

Filmon Tewolde That is HIGHLY dependent on your specialization.

[@user-lu6yg3vk9z]

MelaninDoc MD Nope it is targeting all Physicians. Hospital C.E.Os and Board of directors are trying to find cheaper alternatives, so they can increase there Bonuses.

[@MugiwaraPiratesLover]

Ok? Good for you.

[@fakeapplestore4710]

By God’s grace, it will not be you.

[@farahhussain240]

Jesus! 430k for medical school! American student loans are insane

[@Stoneface_]

Rodrell Green the average is around 200k for medical school

[@robber98]

@Rodrell Green 80K out of 430k was for undergrad. It's not 430k for Med school.

[@NatJac-gg3mv]

It should be against the law to charge that much for education. So let me get this right....When you think about it, you have to pay extreme fees for "YOU" to sit in class, you to study all night long, you to miss sleep, you to not eat very well while in school/ be a broke and starving student, you to do home work, you to take test and midterm/ final exams ect? Wow...why charge so much!? Land of the free...I wonder if this guy would call it "free" when he is struggling to pay 430k to exhibit his own brain power? I wonder why Ramsey didnt inform him about the many loan forgiveness and discharge programs that are available to health care providers (medical staff), and Public Service loan forgiveness PSLF, and so many more not to mention the income based repayment plans? Maybe because many people consider them socialist programs and they equate socialism to some evil deed. I like Ramsey but I question why he did not advise this man to these programs. I didnt hear any real advise other than asking him if he could become a nurse and earn a higher salary versus a teaching job. ?????

[@Sarah-eh7bw]

It’s completely insane that he was even allowed to borrow so much in the first place. No one would have ever authorized that much for a mortgage, and a home is far more tangible than a degree.

[@harvardvillegas4470]

My uncle became a certified financial planner as a side job during he was in med school. He finished paying off his debt when my oldest cousin started college.

[@Shineldove]

Take an accelerated nursing program at a local community college. Work while taking classes. Then become a traveling nurse, they get paid twice as much! Living expenses are paid for & he gets to travel the world, while also knocking out his student loan debt. There's hope at the end of the tunnel!

[@Piwork69]

Shinel Yes traveling nurses make very money.

[@danielsanders2763]

Hi Shinel. As a travel nurse I can tell you your expenses are not paid for by the hospital or recruiting company employing you. You receive a tax free stipend as part of your weekly salary and if you choose to take their housing (as opposed to finding your own on airbnb or somewhere else) they will reduce your stipend considerably which often makes it not worth while to travel nurse. It is in your best interest not to have your living expensive covered by the company. But you are 100% correct that you do make twice as much and it's a fantastic career! I love it. Are you in nursing?

[@Brooklyn_Muse]

It sounds so simple but that would involve having to set the clock back and start all over with pre reqs. From the sounds of it he doesnt have the funds to even take those pre reqs at a community college. I'm pretty sure that the undergrad science course are all expired by now so he can't even use them to apply to the nursing programs. It can be a very discouraging process.

[@aquamarine0023]

Excellent suggestion - he can get this degree at a community college very cheaply and yes, traveling nurses can make over 100k!

[@NSGLiv]

Shinel you just gave me an great idea

[@InvestingHustler]

Ouch , at this point get a new name new ID and move to a new country lol best of luck !

[@thetruthunburied3304]

Investing Hustler 😂😂😂😂😂

[@latrice2491]

Investing Hustler 😂 that's on my bucket list

[@godseliteforever]

Nothing about that is funny that's a serious situation to be in

[@msfsaint]

@@godseliteforever maybe he can get some credits for his studies and become a doctor somewhere cheaper? Half a million dollars is a lot of dirt with no shovel. Bailing the country isn't so unreal at that point.

[@latrice2491]

The situation isn't funny but changing your id is 😂 I think everyone with student loans can laugh to this

[@Ces999919822]

I’d look at pharmaceutical sales. He has the biology degree, and he seems like he’s got a descent personality.

[@Elizabeth-yg2mg]

Yes, good money but I did it and just about died of boredom.

[@CNT536]

You gotta be a hot chick to do that, bruh

[@nofurtherwest3474]

Yeah that or biotech or something in that arena. A lot of startups too looking at stuff like genetics, fertility, etc... many options today.

[@wiiiz3]

this was 1 of the saddest vid because even Dave didnt have any tips for him 😢😢

[@CaptainBuggyTheClown]

I got a tip, vote.

[@KindaRustySocks24]

Captain Buggy and how will that change his situation even in the slightest?

[@CaptainBuggyTheClown]

@@KindaRustySocks24 That's like asking how does replacing your engine in your car change anything.

[@KindaRustySocks24]

Captain Buggy I’m talking about James specific financial situation. He can go ahead and vote but that won’t change his debt.

[@frankyflowers]

@@KindaRustySocks24 if someone like bernie Sanders becomes president then maybe they will let people declare bankruptcy. im for trump though.

[@chrishooshmand]

As a current medical student this is my worst fear in life. My heart sank listening to him speak and realizing I am only a few bad exams away from his position. Poor soul.

[@soorajgijo7458]

Its been a month. R u doing good? Also, i have a question: how often do cases such as this come up, is it really rare?

[@orangesandlemons40]

I'm applying now and this is also my fear. I should have really stopped listening to not think about it too much, but I couldn't.

[@urbanistgod]

Please answer to Soorai

[@adfadf9785]

@@orangesandlemons40 No worries because you won't get in if you are here watching youtube

[@derekroberts5931]

@@orangesandlemons40 don'tdo it man. Do an accelerated b.s.n then nurse practitioner or just go physician assistant.

[@Sticky_Slick]

Medical Sales? Bio pharmaceutical sales? Amazing money here and with your familiarity with hospitals and its people, along with your biology degree, you should be able to get in the door. So sorry to hear about your circumstances.

[@deekayvixen]

Mason Wagoner Those are really good suggestions.

[@wyoradical6497]

Agree

[@msfsaint]

I'm guessing that his difficulty with the board is dealing with people in stressful situations. His psyche isn't the best right now (no wonder). Great suggestion, but you've got to get that desperation out of your voice and head.

[@jason_v12345]

@@msfsaint He said his difficulty is with knowledge retention.

[@Spacemonkeymojo]

@C B Not only that but he said he did badly in the biology degree... so yeah.

[@isabellaw.7570]

I feel so sad for this young man. It brought tears to my eyes. Where are you now, James? Please let us know. As a mother of four adult children, it would be absolutely crushing if one of them was going through this. The thing about medical school is that you have to keep plowing through because of all the money invested along the way. Sometimes it does not end well. Don't judge this person. I am praying for James. Help him find a way, Lord! Give him hope and encouragement. (And our educational system is criminal.)

[@chhungteinternationalazl8333]

Amen 🙏🏼 I feel sorry for him too, his voice sounds in so much anguish, may God have mercy on him and help him come out of this mess

[@turtleanton6539]

Yes

[@john1425]

If I was this dude I'd probably leave the country.

[@Flourish_today]

Me too

[@MBarberfan4life]

Yeah, he needs a fresh start

[@chaosdig4143]

id leave the face of the earth

[@heathj7794]

Literally wont help. I had friend move to germany after college and sallie mae still found him

[@SomeLazyDr]

@@heathj7794 Did Sallie Mae garnish his German wages?

[@kamrankambang7953]

My 20k student loan feels so much better now

[@andrea20k]

Kamran Kambang lol I know right. I’m going into travel nursing next month to pay the rest of my $18,000 off in 4.5 months. Thank god for those options.

[@JediOfTheRepublic]

If you are worried about 20k in debt then you really have some problems.

[@kamrankambang7953]

@@JediOfTheRepublic some of us is jot born in a country where 50k is the average pay. I'm only making 40k annually and I'm quite happy I manage to pay off 22k debt a year.

[@Kikigreentea]

I just dropped 10k on a $32,000 loan 2 weeks ago and was complaining. I don't feel so bad now. I'll likely be out of debt in 2 or 3 years. This guy will likely die with his debt.

[@notorious1460]

andrea20k you and that other guy are smart you chose the right school not like idiots that go to big name school and get the debt

[@ItsDanny91]

This is where I blame the schools. Where was the guidance and advice?

[@cryptocovered4729]

Danielle Shank Schools are a business. Wolves in sheep’s clothing

[@JohnDoe-fg9ng]

The school gave him three years to complete his third year. Sound like he wasn't improving, they can only try and help him so much. Sounds like he had a mental break down or something. At some point people become a lost cause and liability and you have to cut the cord. This is incredible rare in medical school because there is a great filter to get into the program (unless we are talking about Caribbean med schools, those are high way robbery taking anyone and everyone who will sign the dotted line even if they are grossly unprepared).

[@christinewatson1989]

Exactly. All my college told me was "well, you're getting an English degree so you'll never find a job." WRONG. Come to find out there are A LOT of high paying professions in writing. They should know this and tell their students to help them take relevant classes.

[@Jacobthekid28]

@Kazuya I wouldn't say wisdom as much as I would say experience.

[@thelouster5815]

C. Watson My school said the exact same thing. All my professors did was tell us that writers and English majors would never make more than mid 5 figures at best, and to be prepared to go for months without a paycheck. Even the counselors could only suggest dead end low paying jobs.

[@melissa8199]

This was one of my fears that made me decide against medical school. I’m a nurse now

[@percyastronautstatus.8780]

U made a great decision ....

[@run4cmt]

Me too, I went into engineering

[@Sharkbayt1025]

Yep. I graduate next summer with a biology degree and I’ve already completely shifted gears away from Med School. Going for PA, RN, or NP now

[@ericpeterson9110]

Even going into a 3-4 year engineering degree I was terrified at the prospect of failing and wasting all that time and money. And that is in the UK where I was borrowing paying 3k a year tuition (plus living costs 6-7k per year total) and the student load system is a lot less predatory. I cant imagine the stress American medical students have, spending all those years and getting into unfathomable debt with the prospect fo it all just ending at nothing.

[@sunnyk3666]

Consider 1 year nursing accelerated programs. He will have most of the prerequisites because he has a biology degree and medical school courses which include anatomy and physiology. Very doable.

[@Aces135]

that's a great idea

[@RubyCoughDrop]

Yeah when he's claiming none is transferable I'm skeptical

[@Youtubewatch2222]

He may have to retake them because most accelerated/nursing programs don't accept prerequisites thats been more than 10 years. Also accelerated programs cost almost the same as PA programs which will lead to even more debt.

[@trentmartin1420]

LPN program 1yr. at tech school

[@highlyfavored2434]

Right?! Work in ICU for two years then apply to CRNA school. He already has the science and math classes needed. Then make $200k a year to start

[@ChakaKhanian]

I hope Dave offered him free financial counseling to help him pay off this debt. Out of all of the callers, he needs to be taken under someone's wing. I am concerned for his mental health. He will really have to work hard to find happiness in any career he gets involved in because he may feel like a failure for not being a doctor. I know he said none of those classes he took in medical school will help him in other programs, but that's not necessarily true. Programs have it to where as along as your classes like Anatomy and Physiology/Medicinal Chemistry/Microbiology were taken in less than 10 years, you can transfer them into other programs.

[@Connetification]

Even if he gets into one of those mentioned career, it will take him a life time to pay off his debt. I am a nurse. It costs me $200,000 to get a nursing degree (international student). After tax and living expense, I saved like 1.5-2k a month. It would take me 12 years to pay off 200k. Luckily I don't have to pay anything. He owes 430k. It would take him at least 28 years to pay off his debt. He has to be thrifty for the rest of his life. He he's sick...boom money goes to medical bills. If he's perfectly healthy for the rest of his life, he can pay off his debt at the age of 62-64 or so. That's pretty much at the end of a person's life.

[@nealkelly9757]

james c Physical therapists don't make much more than Chiropractors

[@terrellhensley4283]

Don't give up man. You don't make it that far without being an intelligent individual. Things will turn around. Keep your faith.

[@LilSebastian_]

So intelligent that he failed the board multiple times... yeah... ok.

[@terrellhensley4283]

@@LilSebastian_ as if it's easy buddy. Have a good day.

[@hrobbins]

A college buddy of mine was accepted into med school early and started after his junior yr. He did 2 yrs fine then in his 3rd yr both his parents passed within months of each other. He was depressed and couldn't finish med school. Academically dismissed. No medical degree, no bachelors degree, and all the debt that goes with it. :( he did leave the country to start over.

[@mabelw7]

Did it work? What does he do in other country

[@meggrotte4760]

He most likely taught english.That's what I did twenty years ago I tell I made my payments the first thirteen years. Then there was illness, Covid, unemployment Thank god I found another teaching in the country I stayed in I start in august. If all goes well I should have my loans paid off in twenty nine months. I've been acquiring interest the last four months. It's about a thousand dollars I might owe two thousand and interest Try the time I start working I'm going to set try to save some money to pay off the interest as soon as possible If I make two payments, I can finish it off

[@alvint4485]

Why am I watching this I'm getting second hand anxiety

[@jenniferreed1636]

A Anon same

[@SAYCHRISTISLORD]

Samee

[@projectdan3369]

Bro my balls started to hurt hearing this!!!!

[@ryand9111]

Same here lol! I'm having a panic attack for this guy

[@abeizaguirre3417]

Actually it helped me feel better about myself, since that guy is really in a difficult position. That’s crushing debt and is honestly a tragedy of our modern society.

[@ieattofu68]

I am a believer in "you never know until you try" and this poor fella tried and is still trying...I wish him better days.

[@msy7023]

Yeah .. He tried and got 430k worth of loan and there going to be no better days for him

[@araineacutebrownnurse7315]

This is such a heartbreaking story

[@tombslasher]

Very sad. The pressure of life is crazy.

[@costco_pizza]

Arainea CuteBrownNurse the new normal in Trump’s America unfortunately. :( Is it any surprise? His policies have gotten a lot of people like this caller in the mess they are in.

[@npolite22]

@@costco_pizza as much as I don't like trump i can't fault him for this. I think it's terrible that this person is in this situation and somehow the medial schools need to figure this out way before the end and have an exit plan for people who don't become doctors. I think the situation would be there had Obama or another president

[@s_1408]

The callers self admitted lack of recall during testing isn't Trump's fault. He started medical school way before Trump ran for office. Personal accountability needs to be applied in this case. He failed because he couldn't recall medical theory not because of Trump's policies. Not everyone is meant to be a DR. and not everyone should be a DR. At the end of day he holds someone's life in his hands...would you want him as your DR?

[@jimroscovius]

@@costco_pizza His problems have nothing to do with Trump.

[@lgmarquez5469]

I'm so glad I chose to attend a community college. I get everything for free, tuition, and books. I was accepted to Princeton but decided to opt-out and go to a CC after highschool. I will graduate in the Fall and will transfer to a State University that isn't as elite as Princeton but a great school none the less. They offered me a great scholarship that will cover my junior and senior year. This will result in me graduating we $0 debt. I did miss out on all the freshman parties tailgates but in the long run, saved me money. I know many of my friends that are already thousands of dollars in debt and I'm grateful I made the right decision.

[@MJ_M]

uh what major?

[@maybeiam3367]

That was just stupid. Princeton has the prestige, you can basically get a job anywhere based on going to Princeton and not only that you make better connections in a school like Princeton.

[@lgmarquez5469]

@@maybeiam3367 Trust me I made the right choice

[@sallyibrahim9135]

@@lgmarquez5469 yes you did!

[@lgmarquez5469]

MJM Petroleum Engineering with a minor in computer science.

[@deborahjtellesones]

This is SO heartbreaking. I just finished law school (I paid my way through it) so no debt but I just took the CA bar and did not pass, so now I have to spend thousands to retake it. I feel his pain to a core. Thankfully I can try the bar as many times as I need to pass without having to repeat Law School.

[@deborahjtellesones]

Thank you so much for saying that! Whoever you are... I wish you ALL the best. @Roy_Thousand

[@alb12345672]

@@deborahjtellesones I hope you pass your bar again but my ex was an attorney who just couldn't make money it in, was doing document review for McDonalds manager salary. I taught her coding and she caught on it. Made solid portfolio and a few years later she makes six figures, and enjoys it. I do very very well, been doing it for a long time. We both work from home too. It is always an option.

[@Connetification]

Same for NCLEX. We have unlimited tries. Man, I can feel that guy's stress and sorrow seeping out of the screen. What a mess he's in.

[@Raptors0524]

I hope you pass the bar!! Good Luck!!!🍀

[@sonyawilliams4989]

The California bar is brutal so do not feel discouraged on not passing it the first time, it may take a few times but you will get it!

[@LuckyDuckie115]

The most depressing call ever

[@LaDeeDah]

You know it's bad when Dave is stumped

[@AeroPiggy]

There are a couple options, but Dave said himself that he isn’t well versed in the career opportunities for the medical field. In all honesty, though, I would have left the country. I’ve got no business being here after that.

[@UplifterMan]

@@AeroPiggy true. no way one person without lottery miracles can make though 400K of debt without high paid jobs. Leave is only option.

[@ComOneMaybe]

I have all the sympathy in the world for this man. You cannot imagine what this pain feels like unless you've been through it. They should make a rule that if you don't complete your degree for these expensive programs, your debt is erased.

[@rsafree1139]

Who do you want to pay for his failure? The tax payer?

[@Boc3phu5]

​@@rsafree1139the banks that we bailed out in 2008

[@Thanatossssx]

@ILovePancakes24thats dumb on so many levels. 430K is even dumber but giving free professional education isnt realistic either

[@sprint7412]

I don't think that would be a good idea. It punishes the ones who passed. Really, I think universities are charging way too much to begin with and letting students continue to get loans at insame amounts. There should be a limit.

[@Evelyn-pl3we]

I feel really bad for him. :( Imagine getting INTO medical school, than doing residency and not being able to practice. The time spent and also the embarrassment I'm sure is a lot for him.

[@jjjsmith2497]

Rachel Cilia Not so much embarrassment in 40-50 years when everything they have taught is outdated and proven to be wrong... The fda just approved a new marijuana drug..after millions of lives and billions of dollars were lost over the last 75 or so years.. but now they can make money of it, so its the greatest thing since sliced bread.

[@crimansizers5840]

He didn't go to residency. James couldn't earn his MD which precedes residency. Still Poor guy.

[@Evelyn-pl3we]

@@crimansizers5840 You're right! So he spent 4 years in medical school and then couldn't pass boards which would allow him to start residency. Sad.

[@mullner88]

Rachel Cilia there are multiple “steps” to their boards. He didn’t even get to year 3-4 of medical school by the sound of it since he was dismissed from the program. He probably failed step 1 which happens in year 2

[@Evelyn-pl3we]

@@mullner88 Oh that makes sense. I didn't think you could "fail" a Step exam- I've only heard of people getting super low scores, which limits what speciality they can get into. That sucks! I have a few friends that studied for Step for 6-7 months...yikes.

[@Ave1821]

I once failed something major and I know exactly how he feels. I usually don’t feel sorry for these people, but my heart aches for him. I pray he figures this out.

[@joshuawebb3337]

I get it. Guy is coming from a pretty hopeless place right now. Feels like he just flushed half a million dollars down the drain and nothing to show for it. Kinda hard to see a glimmer of hope after that. Just dont give up man. Sooner or later things will turn around. Gotta be careful right now this kinda thing can cause some very sever depression. Might lead you to do something you can never take back. Maybe some counseling might help too. It can be hard to think clearly through this when its so fresh. Eventually gonna have to eat this elephant. Take it one day at a time. Will help greatly if you can find some way to make 6 figures but its not necessary. Just easier.

[@raventhorX]

@Brian Waller Well if you have a job in IT already you're doing objectively better than me lol. Trying to just get my foot in the door in IT but no one is telling me where I can improve and all my interviews I've gotten were bust. The end of this semester I will also have an associate's degree in computer technology with a focus on general networking. It was originally supposed to be an MCSA but my college dropped that starting this year and apparently they don't do a grandfathered in kind of program so I had to switch. Luckily the debt isn't too high yet and I know I will get it paid off but will be a whole lot easier with a career in IT.

[@raventhorX]

@Brian Waller yea that's what I'm learning now. Starting to feel it would have been better money spent on education in something else. I still see all kinds of positions being posted but a lot of those positions are senior positions and I doubt i would pass their qualifications.

[@pjob123]

Joshua Webb Well said!!

[@contrarian2496]

Well, the caller didn't pay half a million dollars from his own pockets, it was a loan, so technically he didn't flush anything down the drain. He can get his life back if the option of deserting to another country is still open.

[@steeldriver5338]

@Brian Waller I won't pretend to know anything about the IT field, but if you don't mind me asking: if the field is so competitive, then why are you trying to get in when there are other fields that are struggling to find employees? Sure, it might be your passion, but that doesn't guarantee anything. Go where the money is.

[@Beast80001]

I understand this guy completely. You can be really good at any level of school one minute, and the next be falling behind. Even if you are trying your hardest, sometimes it's just not enough

[@dorriethomas6930]

Totally understand the drop of mental fortitude. Life can overwhelm. A career counselor, either from a university or some type of headhunter organization, may be useful in guiding your choices. Having a history of education should parlay into many entrance and/or mid-level opportunities. Even truck driving or real estate, will do the 6 figures. You might have to change your expectations and lift your attitude to a state of graditude in order to hustle a different path successfully.

[@dencetrov7099]

And me freaking out because of my 15k student loan...

[@kbee225]

And that's not even USD

[@FrauIndian]

Your logic is TOTALLY FAULTY. Asian Indians that take out the equiv of $30,000 US dollars in loans (But in Indian rupees) for school major in a computer science or related field or engineering (and aim to get an internship too)-no liberal arts degrees. The expected STARTING salary is $80,000 for undergraduate if you get hired in the US. There are good paying job in India too. I am originally from India. I studied liberal arts. But I did NOT go 30,000 in debt to pay for liberal arts programs like many Americans do.

[@FrauIndian]

@Snow 123 Your logic is TOTALLY FAULTY. Asian Indians that take out the equiv of $30,000 US dollars in loans (But in Indian rupees) for school major in a computer science or related field or engineering (and aim to get an internship too)-no liberal arts degrees. I did neither field. The expected STARTING salary is $80,000 for undergraduate if you get hired in the US. There are good paying job in India too. I am originally from India. I studied liberal arts. But I did NOT go 30,000 in debt to pay for liberal arts programs like many Americans do.

[@T12J7]

The fact that someone somewhere is doing far worst than you isn't a reason not to freak out. You're not on the clear - stay sharp and keep your cool.

[@aboubakr1527]

Snow 123 actually in Australia it’s 320k aud for medicine for yous it’s 200k usd so yous pay less even with conversion

[@ChasingAndrewJackson]

It's not the end of the world🤦 Grab a CDL & come to Texas oilfield. $100k/yr. Save up for a used $20k semi truck. Lease onto an oilfield company. $400k/yr gross.

[@oc4515]

@Chasing Andrew Jackson It’s exactly what I’m doing now. Except I’m debt free. But I am behind on retirement savings because of losing everything in Hurricane Katrina and having to rebuild my life.

[@kloves3lvandcckelli315]

Default User 😂 but he could try

[@kloves3lvandcckelli315]

Chasing Andrew Jackson shoot! I’ll do it!

[@vonksummer9099]

Do CDL drivers really make that much money even if they have their own business?

[@ChasingAndrewJackson]

@@vonksummer9099 It depends on the type of freight being hauled. The oilfield is considered specialized freight compared to hauling food & dry goods.

[@KCKnowsBest]

I hardly ever comment but wow I honestly feel bad for this guy. I hope everything works out for him

[@ikeybobby9570]

Hey James and Dave, I am from the Lexington Kentucky area and I might be able to help with this. I have seen people do this in the past. So, Lexington has 2 VA facilities, while working for VA you qualify for Public Service Loan Forgiveness after you have made 120 payments from an "accepted" repayment plan. That means after working 10 years in the VA system (not as a doctor) you can have these loans forgiven. One accepted repayment plan is the income driven repayment plan. This will have him paying less than what the interest is occurring. After 10 Years your debt will have increased, so you will have paid nothing toward your actual loan balance, however you can have them forgiven. This is the route I would take. I know it is a little against Dave's teaching, but abnormal circumstance call for different options.

[@just2genders668]

This is a great option.

[@aidanmccormack5443]

I really hope that he sees this if he wasn’t able to get the help he needed, thank you for writing

[@joshd029]

I was thinking the same thing when I heard his story. PSLF would be a great option.

[@jeneuweenlaf948]

This is a reason why the comment section is so useful.

[@TheOHenry666]

Hearing this mans story makes me so angry. Deliberately setting up a system where a certain percentage of Med students have to fail, and at the same time leaving that certain percentage in a half a million debt. What pragmatically sadistic freaks run universities (especially Medical and Law schools). I hope they collapse under their own greed and weight!

[@groartigegrammatik4997]

Amen

[@groartigegrammatik4997]

It makes me angry and disgusted too

[@hiitscourt]

It's just shocking to me that a university would let a student get THAT far into the program before stopping them. Letting someone go a half a million dollars into debt for nothing is criminal. They should have told him along the way to change course.

[@aztekenen1]

for a bank, debts equals their capital my friend. there have to be people in massive debts or there is no money to be made. this is basically the fate of ALL who fail college degrees. and the further you deepen yourself into any study, the worse it gets. welcome to the world. and especially America, where the debts go beyond human. so the loaning industry can keep profiting.

[@bobsheridan3906]

The system is not set up to fail a certain percentage of students. There are baseline requirements for everyone to pass.

[@flioink]

Isn't this how Breaking Bad starts?

[@weeeeeeee945]

Nah he found out he had lung cancer and was a broke chemistry teacher..

[@Nagy2kan]

Lol!!

[@weeeeeeee945]

@uutuber431 nahh lung

[@ElaineLoyd]

Breaking bad part two. So he's going to be paying that for life pretty much at least it dies when he does.

[@MsJuliab14]

pretty much! failed chemist turned broke teacher ... yeah! Hopefully this guy doesn't get cancer of course though!

[@etopeojo]

We are praying for you Brother. Our Lord will get you through this. Hang in there and don't give up.

[@nobad6134]

Amen

[@beberlybrito4739]

God bless you. Loved your comment

[@kennethmoses4397]

Thank you for the comment. I was praying for him too. May the Lord make a way out for him to be debt free.

[@mandyschmidt7164]

Zade Muhammad maybe his plan involves the lord🙄

[@bobsacamano3924]

Your lord seems to have put him into this situation. Now it's going to get him out of it. Seems like "the lord" has a real sick sense of humor.

[@dogan6070]

What a scam that course is almost 500.000. Crooks. Those schools are crooks.

[@jamesklimt]

That's the cost of medical school and part of the reason we're short on doctors here in the US

[@evastood4539]

Holy moly I read this number as $43,000 not $430,000😵😵

[@ginay4878]

I’ve seen this happen to a few people in my Med school class. Two of them went thru 2- 2 1/2 years of school unable to pass boards. They were both told they had an undiagnosed learning disability. The third had a test anxiety thing. I also know someone who worked as a doctor for 5 years and good not pass board certification. She had to resign. She can no longer practice as an MD. She has a decent job with a pharmaceutical company but misses practicing medicine. Boards are taken after M2 year, M4 year and in residency and if you do a fellowship. Boards are standardized tests unlike most course work exams in med school. Don’t judge this person too harshly. Who would ever foresee this outcome? Until you’ve been through it you’ve no idea the intensity or demand. He’s obviously smart or he would never have gotten into med school.

[@insideoutsideupsidedown2218]

My daughter went through med school, she said a lot of these people are just hitting the party scene and not concentrating on school...

[@shanemcmahon4346]

@@samysamjell3482 He said he has to be smart to get into med school. Not that med school is right for everyone. Learn to read

[@LadyK007]

Exactly!!! The guy has the book smarts. I hope he lands on his feet

[@TheBlackDorothyZbornak]

you dont need board certification to practice medicine though

[@rreagan007]

And then we import a bunch of foreign doctors, and I know there is no way that most of the foreign doctors I've seen practicing in the U.S. are smart enough to ever pass U.S. medical boards.

[@monicathirant4406]

Dave Ramseys are needed at all universities before people sign for loans.

[@kublaikavkaz4732]

Where's the fun in that?

[@Charlemagnetheman]

Monica Thirant Thoughts on Bernie Sanders?

[@johnjordan4726]

Medical sales, that's what i'd suggest for this dude.

[@tacticalcrusader3709]

Yeah don't those pay like six figures?

[@VituKhonje]

@@tacticalcrusader3709 It's sales. You reap what you sow.

[@SuperPerfectMan]

But make it and you’ll easily pay it back and then some.

[@jesussaves4060]

if each person that viewed this video donated a dollar or two...this young man could be free. think about it!

[@micheleD498]

Omg true!!

[@insideoutsideupsidedown2218]

Me too..when can you send me the money??

[@Ryanbenitezfilms]

@Tobias Squibs When you stand before God, what are you going to say to him when he asks you why you cursed this man. I assure you, God loves him just as much as he loves you.

[@edkennedy7952]

Jesus saves....because he shops at Walmart.

[@wowso4]

JESUS SAVES such a kind hearted person you are yes people like this need help I wish we can all join a group where every month we all help each other pay off our college funds

[@jordanhubbard1329]

This gave me anxiety

[@jahannab]

Jordan Hubbard right

[@indiaxlovee]

Jahanna Booker accurate

[@NoDebtButLove]

Physician Assistant is a great career. I have a close relative who is in this career and absolutely loves it. She is destroying her student loan debt.

[@GeneralKaleRan]

My mother is a PA and she is payed 6 figures, it's a pretty good job

[@NoDebtButLove]

@@GeneralKaleRan Indeed

[@kenny3269]

I thought the same thing. Can make 100k+ in a good hospital system.

[@Frivillig]

Aren't PAs those that haven't finished the degree to become a physician or is it a separate degree?

[@NoDebtButLove]

@@Frivillig it's a separate degree. They still must complete prerequisites as if they are applying for medical school. However, they are simply under the supervision of a MD, so no liability/malpractice worries. PA school is usually year round, 2.5 years and competitive. However, it's dirt cheap and the reward is great. Expect to work hard, PAs can prescribe medication and perform operations.

[@carlosgaytan6639]

I don't usually see Dave stumped. I was ready for him to tell the guy to leave the country and start a new life.

[@NRush2009]

I owe $7,500 in student loans and it's tough. I can only imagine $430,000 😥

[@calpolyca]

I hear ya'. Ten years ago I took out $10,000 for school and the whole time I kept thinking, "How am I going to pay this." LOL. I feel ridiculous now hearing all of these stories of people with over $100K in debt from school.

[@Blessed.Affirmations]

I owed 40k at one point. As of today, I owe $878.59 because I was paying my deferred loans, while going to school. It’ll be done by the summer.

[@lini4865]

You owe nothing then

[@nisuperman]

@@Blessed.Affirmations 800 $ dollars? Wow...you're done! Congrats

[@zachsteinert4642]

Tremaine Johnson same here I have $8500 you think $7500 is a nightmare and then you see a guy like this with no shot whatsoever and you just can’t help but feel better.

[@AmayzinOne]

I thank God for my parents and my scholarship opportunities. They helped pay my college and I’m able to graduate college debt free as a software developer. I start my job this Monday at 62,500 a year.

[@stillwatching3255]

Apex Funny Moments congrats on graduating and finding a job. Make sure you thank your parents for saving for your future. Good luck

[@AmayzinOne]

Still Watching thank you, God bless you

[@danielt.4330]

Can I please email you? I have some questions I want to ask you. Thanks!

[@salehFayoumi]

I would do .. Thank you My Parents !

[@MahoganyGlaze]

Congratulations 🎉🎉🎉🎉 you are super blessed🙌🏾🙏🏾

[@katelynsant]

Wow! I thought I was bad. I have $94,000 in my undergraduate degree. I understand how he feels. Overwhelmed and on the verge of tears. I feel the same for him.

[@123alexer]

3 years of full commitment and youll be free if you put your mind to it, debt free by 25 (22-25) hypothetically is not as bad as it seems. Think positive

[@123alexer]

Youtoob celery jason genova depends on your situation. 55-80k is an average salary to start in my field for example. If i were in that situation id stay living with my parents 3 years after graduating.

[@-Wreckanize-]

No offense, but how were you okay with that? I graduated with 45K and I hated that.

[@kylegarcia4141]

I have it real good my parents are paying for undergrad. It’s insane to see others in this kind of debt before even having a real job.

[@cgasucks]

Im glad I was too stupid to get a college degree and thus no student loans. Im a millionaire on paper now and doing well in sales which doesn't require a degree.

[@paigeharmon6354]

James, I just got down on my knees and prayed for you. Remember, life is hard but God is good, all the time. Bless you and your future.

[@benjaminb4056]

Of all the DR videos ive watched i think this has been the only one where im not sure i could dig myself out.

[@randomvideosn0where]

He needs to make over $50k just to keep up with interest, very scary.

[@sunset6010]

@@randomvideosn0where omg. Is this true ?

[@ryangriffith5551]

Sun set yep

[@leilanidru7506]

Conservative Prosecutor that’s depressing

[@PARCE93]

Benjamin Bayliss Move away. Leave the country. Start a new life somewhere else.

[@jenniferhodge6881]

Become a Pharmacutical rep. They make great money and with his medical background it may work.

[@rogers5622]

Jennifer Hodge yes!my thoughts exactly.he can make alot of money.

[@eugeneabreut5208]

What’s alot of money? 100k? 120k? If it ain’t 150+ this guy is going to have serious trouble paying that off even with a 100k salary. 400k in students loans!! With INTEREST!! Insane

[@ALLEN-dh5mi]

Eugene Abreut 100k is not that bad

[@eugeneabreut5208]

ALLEN 100k is a great salary! Not when when you 400k+ in student debt though.

[@user-ec2kd8sz3t]

I looked up the average salary, and google tells me it's $122k. This is the only reasonable suggestion I see in the comments. There's no way he'd be able to pay back his loans with a nursing degree like many are suggesting.

[@cyrellroberson9698]

Agreed. Get into a PA or nursing program. I would move back in with parents or a relative if you have to while you're in school. Also, find a good therapist for mental health as you cope with this major transition.

[@inkbold8511]

Cyrell Roberson therapist isn’t free!

[@ignfan4life]

I couldnt see taking on more debt when he already has 430k unless the job were going to pay well over 150k. He needs to try b2b sales of medical equipment or pharm.

[@highlyfavored2434]

@@inkbold8511 there are plenty of community counseling clinics that offer therapy on a sliding scale

[@el-charismills837]

Cyrell Roberson easier said than done but it’s a good idea. I hope he finds his feet because this situation is one whole frustrating mess. Every investment like education is a risk! especially medical school! But this won’t prevent me from applying to medical school lol I’m going in there and coming out as a doctor by the Grace of God... I really wish to know his present situation now and what he decided on pursuing moving forward

[@jackmakackov7077]

You could never pay that back on a nurses salary. My wife is a nurse and it's hard to make the payment on 90k in loans

[@Bleyluige]

Stay as a teacher for 10 years and your loans will be written off

[@nextari]

He's a financial adviser, not a magician.

[@melissacochran437]

Bless his heart. He had the best intentions. Sounds like maybe some life situations got in the way of him passing. He was doing well enough to get into med school so something else happened.

[@patrickhart8988]

Five years in the French foreign legion and they will give you a new identity.

[@mboaz4730]

He definitely needs to flee this country, but he would have to have skills to offer in a new one. And he could never come back.

[@pawsnotclaws2772]

patrick hart he could move somewhere cheap like Mexico or Peru

[@MrJamberee]

There ya go. A solution.

[@javiermendoza5173]

@@pawsnotclaws2772 this could be the solution, learn a bit Spanish and start again in a new country as English teacher.

[@californiahandball]

Learn Spanish and become a doctor in Cuba. I would do it, except I don't have debt and I already know Spanish.

[@youngpatrick29]

I would leave the country and start over, either Western Europe, South Asia, or Canada. That sucks man no one deserves to live in that kind of stress

[@robioavion]

I’m so sorry! I can hear his pain! You got into medical school so you’re smart! Don’t give up my friend! Stay positive😘 isn’t there an acceleration program for nursing? That can be done within 1.5 years. No?

[@oc4515]

J. B212 Exactly, then he can work his way up and become a nurse anesthetist in a few years. They make at least 150k.

[@robioavion]

Bridgett Bolden You are absolutely correct! Hopefully the caller knows this. Or if he just wants to stick with his BScN, he can work like there’s no tomorrow (6am- 2pm, 4pm-12am Monday to Friday, 9am to 9pm Saturday and Sunday at a hospital) and pay off those loans fast. You can make ALOT of $$ in nursing by temporarily overworking yourself. Have a wonderful day Bridgett😀

[@oc4515]

J. B212 You too friend!

[@bitario723]

Some make 200k

[@chltmdwp]

Being smart doesn't mean anything when it comes to money.

[@lillycham]

I feel so sorry for this guy I'm heartbroken 💔💔

[@mikewallace1270]

Lilly Cham I don’t. The guy took out enormous amounts of loan money and then didn’t work hard enough to complete his degree. He has no one to blame but himself.

[@aryehroberts4645]

Mike Wallace dude a little empathy my man. Imagine if you had that much debt. Come on my man you are Better than that

[@lizitis]

My heart just sank. I’m so sorry this has been a road block for him. I have test anxiety and it took me some time to pass my state boards in nursing. I had to see therapy for my failures as it lowered my self confidence and identity, but was able to make it through and passed! I knew the material, but kept second guessing. It’s embarrassing to explain to families why he didn’t make it as a doctor, yet facing the logistics of all these debt and fin dung a new path. I feel you, man.

[@elizabethfigueroa6811]

If you dont mind my asking how many tries did it take you? I failed a board as well but not for nursing.

[@shaynae.worrell2010]

Hey lizitis I am a RN too and took my boards twice! I feel u sis it was tough

[@mickaelalarkin5382]

If he did a one year nursing program, he could work as a nurse then go back into anesthesia to make around $200,000

[@a-a-ronbrowser1486]

Ah, something like that would be good

[@yoleeisbored]

but that's more debt..

[@francistran432]

@@yoleeisbored, that debt is pocket change compare to 200k salary.

[@JohnRodriguez-xi5wt]

Easier said than done. CRNA school is equally as hard as med school

[@francistran432]

@@JohnRodriguez-xi5wt, that's true

[@desertguy1362]

i have been saying for years i wish Dave did where are they now call 2yrs later or 5 yrs later. Some of these calls are so scary that my anxiety is high for them and its not even my debt.

[@ericgroves2568]

Try for Anesthesiologist Assistant (AA) school. You already have the undergraduate degree needed. It’s a two-year masters. $150K/annual salary. It’s a good option for people fail med school but want to stay in healthcare .

[@DrAdnan]

I’m in med school and this is making me anxious.

[@DrAdnan]

ITHEREONETHATHASNT Good point 💪

[@simplyyjhez]

Don’t be! I am too, but I realized we are all different. We all study different, determined more or less, and are disciplined more or less. Don’t know him personally, but I think he didn’t study sufficiently for his boards and/or went to medschool in the Caribbeans?

[@DrAdnan]

Jhez Melly That’s true. We just gotta study hard and make sure we don’t also end up in a bad position. Good luck with med school!

[@mafame6767]

Work so hard and everything will be all right

[@adamsaldana5462]

Then you better study and retain everything

[@youngfinance6319]

So pretty much this is how it is Student:can I take a 300k loan for a home Bank:NO Student: can I take a personal loan of 10k Bank:NO Student: Can I take a 430k student loan Bank: YES OFCOURSE

[@Zordiak]

Why is that do you think?

[@youngfinance6319]

@@Zordiak because it is the truth. I have many student friends who tried to take loans of 200k for a home investment and they were denied. And I have my broke student friends who the bank lent them over 500k for student loans

[@dr.anthonyfauci5280]

@@Zordiak because it’s bankrupt proof

[@charles597]

Ridiculous considering the home loan gets you an actual asset so your net worth isn’t actually changed. These student loans are the main cause of negative net worth nationwide.

[@jaqueitch]

You can't blame the banks. You should be at least smart enough to realize you're not cut out for it at some point

[@Vickygrl737]

I hear your pain but please Don't give up!! You will get it figured out. Nothing is impossible.

[@jinnytrang4857]

I am in physician assistant school right now. Majority of us will be graduating with a starting salary worth more than our tuition. I expect to pay off my school loans (less than 100k) in less than 3 years after graduating. I won’t even be 30 by that time. He can start PA school and work in primary care or military where he can participate in loan forgiveness or loan repayment plans. 30-40+ year olds in PA school are very common. Another option would be RN, although the scope of practice is very dissimilar.

[@rudebwoy1974]

I must say you're gorgeous.

[@jeb419]

Mark you sound like an idiot.

[@rudebwoy1974]

@@jeb419 Lol internet tough guy.

[@twdjt6245]

May I ask you what you did to qualify to get into PA school? Just asking because I’m trying to figure out what I want to do and interested in that ultimate career, but would like to start off with something that can make me a decent income that would also help me qualify for PA school. Your experience with the process would be much appreciated.

[@littlebird8346]

loan forgiveness is a scam

[@rashidabell7578]

I feel so sad that happened to him. My heart really goes out to his situation💜

[@asdax8311]

This is a caller I straight up, emphasize with. It's one thing to dig yourself into credit or auto debt, but student loan debt is a whole different matter. You go to school in Hope's for a better career, but it could all fall apart & have all this debt & no credentials to show for it. I hope he can get his life around soon. Sincerely, Pharmacy school dropout

[@vangtk10]

Dave: how are you today? Caller: Pretty good today Dave. I have $430,000 in debt. I dont think that qualifies as being good. I'd probably flee the country.

[@AustinMichael]

@Jacob Votava They kick you out if you don't pass in a certain time frame, has nothing to do with sticking it out.

[@sinkiller112]

@Jacob Votava he failed to pass the board exams two times, which means he will have to find a different medical school that will accept his credits and will cost him as well. The school will kick you out even if you're in debt, if you do not pass the board exams. Also I don't think you know how much residents get paid but we don't get paid 6 figures right off the bat. Some of us get paid way less than nurses who only went to school for 2 years for example, depending on our specialty. Also depending on specialty is the amount of debt we accrue. 430k is still a lot even if you make 6 figures.

[@Ethiodawg]

I did pre med too. Didn’t end up going to med school and absolutely changed my carrier path. I’m 34 years old too. This could have been me for real. I now owe $45k In student loans which I’m aggressively paying off. Should be done in a little less than two years.

[@oldtwinsna8347]

Care to say what you ended up doing?

[@inkbold8511]

Zqueen I did pre-Med as well, but I got engineering degree at the same time. Pre-Med didn’t do anything but let me experience some basic biology classes that have me realize it’s not for me. My engineering degree pay the bills after I graduated with both degrees. I was debt free after a year of job as engineer and living with my parents of course.

[@MichiganUSASingaporeSEAsia]

Zqueen in what state?

[@mmartin1568]

This makes me so terribly sad. I would donate to a go-fund-me for this guy.

[@Skweepa]

Yeah, there is a shortage of doctors because poor people have to take this risk if they want to serve as a doctor.

[@oreobug123]

Same here!

[@MattsGamblingSlots]

You know it's bad when even Dave Ramsey doesn't have a clear answer.

[@SibelVibeke]

I do not know how, but please someone start GoFundMe for this guy. This video was seen as for now by 217 k people. If each of us send 2 $ his nightmare would come to an end.

[@luvyah2419]

Let's do it! I just don't know where to start. Great idea though.

[@anonypersona3189]

The guy doesn't need a gofundme. He needs to earn that MD degree and become the doctor he wanted to be his whole life. Crushing debt or not, that has to be his primary goal... and don't tell me it's impossible. It's far from impossible for flunking students to come back and hit the books.

[@Mantae123]

@@anonypersona3189 My understanding is that once you are dismissed from a program you need to go back and start over (med school again) in order to continue.

[@emmajohnson1744]

I feel very sorry for the situation. I think it is a good idea to do a gofundme. I wonder how come humanity still exists when no one helps any one.

[@Samlol23_drrich]

@@anonypersona3189 i feel bad for him, but you want him to be diagnosing you when he squeeks thru the boards??

[@MoonbearDiedHere]

I feel like most people don't realize it's not about being smart who you know is what can really help out. Not knowing anyone is going to make getting out of this really hard but it can be done. If enough research is done he'll find a job in his field that pays well and land it. Or hustle really hard to get out of it. Starting a KZbin channel and showing his journey wouldn't be a bad idea. People love an underdog.

[@triad6425]

He has a biology degree

[@costco_pizza]

MoonbearDiedHere Is it any surprise in Trump’s America? This looks like the new normal. His policies have gotten a lot of people like this caller in the mess they are in.

[@MoonbearDiedHere]

@@costco_pizza It's not because of Trump

[@Spacemonkeymojo]

I hate the mentality that it's not "what you know but who you know". That is basically what drives nepotism and it disgusts me that people out there who are smart and who have merit and are willing to work hard are not chosen because people decide instead to hire their friends or family for a job. I've personally never had to ask a relative for a job (and I intend to keep it that way).

[@MoonbearDiedHere]

@@Spacemonkeymojo I can understand that but in a way and in certain industries there's more to it. Like if you are a freelancer if you go for work for different companies and whomever's hiring has heard good things about you they will be more inclined to work with you over someone who just seems good on paper. It can work in the opposite way too. If they've heard bad things about you , like if you're difficult to work with ( unless you're really famous usually ) your chances of being booked for work may go down dramatically. So really it goes deeper than friends and family. People like having pleasant people around. They can the atmosphere and when everyone is happy working it's a great thing.

[@mimi19823]

Wow so sad! Praying for you 🙏🏾

[@birdseye2239]

Imagine the day you failed for the last time and your driving out of the parking lot realizing the mess your in and you whole life is about to change. After ALL that work. I can't imagine

[@MrLegendra]

Wow, yeah that’s just gut-wrenching. Hope this guy is doing well