My Student Loans Are Giving Me Anxiety!

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[@lefromthecity]

Having anxiety about student loans in 2019 and making a plan before the pandemic even happened is what saved me. With 0% interest, I paid off $22k in 14 months.

[@ErrythingPhroze]

same! i feel so much better now too. Good job!

[@kay9056]

Same! October 2019 was when the anxiety set in. Took advantage of pandemic to attack debt even more.

[@jragon9215]

I had all my loans forgiven through the borrower defense to repayment, it was $137,681 but still I get so mad that people don’t give me the credit as someone who paid it off like you

[@steelcastle5616]

Hope for the best (student loan cancellation/discounts) and plan for the worst (pay it back while you're hoping). You're ahead of so many others in your drive and mindset.

[@Someone2194]

Good job man, feels releaving

[@jbarkley4938653]

$192K in student loans. Unbelievable. So glad I went to a community college. Saved around $167K.

[@barnabusdoyle4930]

So you have $90k in student loans? Also, how the hell does she have $200 in student loans?

[@esonon5210]

I'm sure they got more than a associates degree

[@devpav9880]

How did you rack up $92k at a community college? $46k/yr is average tuition for a 4-year private college.

[@siva47931]

$92k in student loans. Unbelievable. So glad I live in Canada. Saved around $60k.

[@jbarkley4938653]

@@barnabusdoyle4930 I have no student loans now. Went through the PSLF program. I only had $25K for all four years.

[@Iamtheheadline31]

Paid my student loans off in one big payment earlier this month. The amount of relief I feel is tremendous. Working 2 jobs was worth it.

[@andybungert]

I'm thankful that I just did not stop my student loans during the pandemic. While I didn't pay over my payment, I just knew I had to keep that going and there was no reason to stop. June of 22 my car and student loans were both paid off. Paid off a whole bunch of consumer debt this year and am down to about $8k left. My heart and prayers go out to those that now need to get back on their student loans, but don't wait on the govt to save you. Like anything, you bought it, you pay for it.

[@triciamool8157]

yay!! congrats, high five to you.

[@paulstandaert5709]

Three point five years of interest-free financing on it. People should have taken advantage of that! But instead.... nahh, It'll get forgiven.

[@Astro95Media]

Well done!! When that thousands number is a single digit, it feels like the light at the end of the tunnel. I remember that feeling and it was amazing. You're almost there!!

[@chrissylong6001]

Same! I paid off both my car and student loans during that time and I have ZERO regrets.

[@steelcastle5616]

I remember people like this back when I went to college. They would take out loans (max amounts) for no other reason than to update their lifestyle while "living the life" in college. When you live that type of life, you eventually have to reap what you sow.

[@tshandy1]

This is important to state. While we don't know the particulars of any one person's situation, just because we hear about the horrible reality someone is facing today, that doesn't mean they didn't happily skip every step along the way on the path to the edge of the cliff. So so so often they did make those reckless choices that led them to that disaster.

[@spartan04801]

NO anxiety here, I paid off my loans by working a second job and everything at it without interest. NO worries at all.

[@SeriousSchitt]

😮 Well done you.

[@anaroman1499]

It took me 5 years to tackle debt from student loans to car loans. During those 5 years, I did not go on any vacations and spent money on expensive items. People need to buckle down and in the end it will be worth it.

[@natersalad889]

Yes, we did the same, it was totally worth it, but the fact is, most people don't have our level of self control, they want the YOLO lifestyle and i feel no pity for them now or later in life when they have no retirement and HAVE to work still when they're 80 years old, we did a very short term sacrifice to have a pretty easy and rewarding life from this point foward, oh and can easily retire at 56 years old

[@SeriousSchitt]

@@natersalad889😮 That’s me!

[@BagsNBaguettes_327]

If you get an email with bare bones information, it’s hard to really help anyone. This person didn’t list out their income and any other debt. This is all hypothetical. Dr. John has a point, a lot of people bought houses and went to Europe instead of paying off their student loans.

[@dfya3294]

Right! I wonder if they just created this because they know alot of ppl are going through this since payments are due soon lol

[@tduck828]

I often wonder if these "emails" are legit....

[@YoPhocFays]

My student loans were $1800/mo on a 10yr plan. Sucks, but thats what you signed up for. You borrowed it, you pay it.

[@Dan16673]

Omg how much is it?

[@YoPhocFays]

@Dan16673 i can't quite recall exactly. I think total (between all the loan companies) it was 170k when I graduated. Luckily, I worked during school. Otherwise, it would have probably been closer to 250k.

[@Dan16673]

@@YoPhocFays damn. Wife and i paid off 250k in 2 years. Luckily we make very good money otherwise it could have quite bad

[@pep590]

@@YoPhocFays Your loan numbers remind me, when Dave would then ask, "Are you a doctor or a lawyer?" 😂

[@YoPhocFays]

@Dan16673 congrats. Did the same. Paid off in 20 months. Lucky you had a wife helping you. I did it solo. It wasn't fun, but it was rewarding, i wasn't going the 10-year route. ~2 years of pain saved 8 extra years of more pain.

[@MaynardGKrebs-tt1dd]

I worked my way through college and grad school without parental help or taking out student loans. I was 35 when I graduated with a Ph.D. and worried that I was too old to start out in my field. Now that I am retired 35 years later, I realize that I made the right decision.

[@pitbull7885]

what is your Ph.D in? I was thinking about going into Clinical Psychology Ph D program at University of Arizona or ASU.

[@MaynardGKrebs-tt1dd]

@@pitbull7885 Psychology U. of Illinois

[@jamesrichey2434]

That part at the end got me. I just lived through 5 years of basically hell financially putting my life back together. My last one was student loan debt as well. Now, when I see all the fuss about it, I feel like she said, looking down it and being glad I no longer have anything to do with this mess. I had my Coming to Jesus moment about finances and did exactly like they say, second jobs, tax returns, etc. It can be done folks, I am living proof along with a whole lot of others. Persevere was my motto, and I did.

[@westhigh1976]

I have anxiety over the fact that I might have to pay for someone else's student loan when I worked full time when going to college and paid my own way throughout.

[@tduck828]

For real!! I worked hard and never took a loan. I WON'T pay anyone else's...

[@tshandy1]

@@tduck828 - well, your government will make you pay indirectly for that mess.

[@tduck828]

@@tshandy1 sigh...sad but true

[@mistiinseattle]

Same here!

[@mistiinseattle]

​@@tduck828we aren't getting a choice.

[@bigcahuna42366]

She has a lot of courage to admit she is worried and needs advice, I'm glad to wrote into the show. A ton of borrowers aren't giving a flying fortress about their student loan bills in October. They plan to ignore their creditors.

[@amireallythatgrumpy6508]

And this will result in a future administration garnishing their pay.

[@stream_of_conscious9591]

My husband and I got married at 23. We lived off one income for 3 years & used the other income to pay off my husband’s student loan. In the same 3 years we also saved 10% for a down payment on a house. We bought two “cheap” cars all cash. No one even talked about forgiveness. We just paid it off. Once it was paid off and the down payment saved we “bought” a modest home & had two children. I’ve never had all the nice things, but it’s been a blessed life. We definitely budget and when things got rough, getting in horrible medical debt, I used the Ramsey principles. I would have not expected anyone to be responsible for our student loans. It wasn’t fun dumping an entire income on it for so long … but it’s part of the process.

[@stream_of_conscious9591]

I’ll add we are 34 now, no not boomers 😝

[@neilsmith9066]

The problem is college does cost money but a lot of college students walk around like they are rich they stay in the nice houses, eat whatever they want and have play money but its usually All borrowed. Its all a loan then 10 years later they want someone else to pay for it

[@martinlutherkingjr.5582]

Well yeah I mean why wouldn’t they want someone else to pay for it?

[@Mastersabersmen]

Just finished paying off my college loan! Feels good. Now onto the next step!!

[@vickieclark5931]

I can definitely see a lot of foreclosures and car repossessions going up exponentially within the next 6 months with these student loans starting up again.

[@patrickchilds5486]

Good…

[@Rashaadthegr8]

too late its been happening before and during the freeze.

[@formula112967]

Yes....all those BMW's and Range Rovers.

[@alexpietsch7997]

If you're watching this and you feel like their extremely good advice is beyond you, and you feel paralyzed by anxiety here's 3 simple steps in my opinion. 1. Don't look at your current balances on any day you're not making an extra payment. Because the moment you see the interest accrued, you also see how much more you're throwing down to get off faster. 2. Get on that budget. It'll hurt the first weekend you write it and have to be honest about your situation. It'll be annoying the first 90 days when you realize just how off your estimate was in many categories. But get through it and you'll feel like you got a raise. Plus instead of getting smacked around by your bills and dropping their money you instead see them coming, throw money at them and keep on walking. 3. When you get on your budget, never spend more than you have again. This is the slow guaranteed way to get out of debt.

[@whitneyw.7919]

God, I love Jade. She is the best Ramsey personality. Lol so real and intense.

[@The_Cuban_Conservative]

Let the hunger games begin

[@YoPhocFays]

May the odds be forever in her favor 😂

[@CJ2023Incognito]

Jade is my favorite personality ❤

[@aurasphere87]

We just paid off our 34k within two months. Worked around the clock and two jobs for me. Screw their interest and 1st payment due date!

[@zacharyfair6738]

I paid off 115k in 4 years avg 65K a year......... So I don't feel bad for people. Undergrad - accumulated 40k. Grad school I added 45K, which is only 85k total, but I ended up paying 112k ish in the end. Probably because one of the loans was like 8% personal and not paid for 4-5years and I had to go into forbearance for 12 months. In any case, I lived in Texas (no state income tax - kept around $85 out of $100 made), lived really poor (drove 15yr old car, had flip phone until 2018 to remind myself not to buy), ate at work 60% of the time (work in healthcare food service) and worked a side job. The entire goal was to be debt free. People want to live their life, but not cut back..... Go balls to the wall for 2yrs and you will make it happen.

[@chris_chitown97]

Thank god I went to community college and got financial Aid. I only spent about $5000 out of pocket and even got money back from pell grants.

[@tshandy1]

How long ago was this?

[@cabayern9416]

My husband and I.... Constant mantra. She didn't get out of the mess by herself. She had help.

[@heathervenkat1414]

Love how you started off thanking her

[@Bamapride1985]

This just seems to be prime for scams with all the loans changing providers and so many people not knowing about their loans. Would be easy for scammers to send out false emails to get you to send them your banking information

[@AnthonyMcNeil]

Jade said it so perfectly. That lady, Irene, is not alone. It doesn't make it easier but it can get her to understand that there are many others who need a plan as well. I am one of those people too 😅. $67K for me 😩😮‍💨. I swear they need tk educate people on student loans.

[@mercedes4328]

Especially the unfair way interest accrues on student loans!

[@SignorNessuno65]

My mortgage is giving me anxiety, but I don't have the luxury of the government paying it off!

[@aolvaar8792]

And why not, My sister got a negatively amortized mortgage, gov't program Principal is not reduced, interest not paid is added to the principal. 30 year forgiveness. She sold at 17 years, the house had enough equity to pay off the larger principal. Super low house payment, but no equity in the end. It allowed her to be a SAHM.

[@bluedevil0133]

Big fan of Ramsey and crew, but glad I didn’t take their student loan advice. PSLF is legitimate if you meet the requirements. Got over $100K in forgiveness (tax exempt) for my 10 years of service at a 501(c)(3) healthcare institution. PSLF shouldn’t be dismissed out of hand like they do here.

[@theApeShow]

Gratz on joining on getting into the 1.8% acceptance rate. Super diligence with auto-payments and principal. Providers really try to break up payments on "qualifying" loans, by throwing ones that don't qualify into the auto payment mix, breaking the 120 payment qualification cycle. I don't think others should rely on this hope as part of a plan, I think the team is well within reason to dismiss the 9/500 chance this occurs.

[@bluedevil0133]

@@theApeShowThx. Definitely have to be on top of it. My initial application got rejected and I had to file an official complaint through FedLoan for a supervisory level review of my account. It shouldn’t be so hard, but it can work if you are on top of the details.

[@mrlion2022]

People might be having anxiety on everything from forbearance loans to students' loans

[@steelcastle5616]

Let's put this "anxiety" in perspective. There are people worried about next month's, rent/mortgage, food, light/H2O bills, Meds, etc... Student loans are something you can plan to pay back if you're willing to do it. Some people just don't have the maturity/courage to do what's required to pay them back.

[@triciamool8157]

this. There are those that do have unique situations - single moms and dads now finding themselves more strapped, young very poor people who just completely got snookered into thinking they were advancing their family legacy. But when you just get going on it, there are a TON of min wag jobs you can work on a weekend and night to start getting after it. I was working weekends as a wedding caterer server and it's tough, physical long hours. late 30s, big fancy degree. I said I'd never serve again, but here I was willing. I wound up LOVING the work, great exercise, food and fun company for $2k a month. I worked my way into maturity lol

[@LOVELY-131]

❤PAY OFF THOSE DEBTS, AND GO GET YOUR FREEDOM & GO GET YOUR PEACE ❤🎉🎉🎉🎉 LOVE THIS❤😊

[@Avenlane]

6:00 - Jade is wrong here. Yes, the interest will continue to accrue but it will not *capitalize* at the end of the one year on-ramp program, so the interest rate on federal loans is still effectively 0%

[@cameronmcfarrin4587]

What I would do with an IDR is get the minimum payment lower in case I have an expensive month, but pay as much as possible on the smallest debt to knock it out faster. IDR plans are not bad, but you'll never pay off the debt if you only make the minimums.

[@FR-tb7xh]

I think this the best video the Ramsey Show has ever done on student loans!!!

[@carsonroberts5749]

Wow this was a great video, thanks for all you guys do.

[@YesThatsMeFolks]

Makes 💯 sense! Thank you! I only have 7k to pay on my student loans. I cannot wait to be done with it. I been making 400-500 $ payments every single month. But since I want to pay it off asap I’ll be paying 1220 a month.

[@DukeNukem2020]

This is why I’m so thankful that I took out as little as possible. I either got free PDF books or rented them for dirt cheap through Amazon for college (paid my own cash) and only used student loans for classes. I only requested the amount for the tuition amount. This resulted in me only owing about $25k for a 4 year degree in programming, and now it’s paid off

[@emoney1231]

I don't want to downplay the effect of $10k forgiveness... But these people who owe $100k, $10k wasn't going to make a difference anyway.

[@UtotheJ]

My student loans was 500k+, 10k would have been be a few months of interests 😂… the interest pause saved me significantly more money than 10k

[@kensmith2796]

@@UtotheJ Dentist?

[@tylerhair9067]

I could not IMAGINE having that much debt. Wow. I pray her salary is very high. 😮🤯😬

[@BadBrad119]

She sounds like she knows what she's talking about. Student loans are strange. They are non-bankruptable and you don't want to miss payments.

[@mrlion2022]

He said people might have to sell their house. I said it first, and people will be forced to sell

[@Vazcov1609]

You do not want your payment as high as possible if you are doing PSLF. That simply does not make sense.

[@amireallythatgrumpy6508]

It wouldn't make sense if PSLF was reliable.

[@Vazcov1609]

@@amireallythatgrumpy6508 PSLF IS reliable, and if you have doubts you can have a PSLF fund in case it fails.

[@thankfulblessed8496]

I will pay off my student loans and my husband doesn’t understand how student loans work. He doesn’t understand how the interest will grow and grow. I was on track to pay off my student loan interest until I had to pause and get a divorce during the pandemic. I moved on and my new man, doesn’t understand that student loans aren’t like other loans.

[@BrandurnPorchiga]

I’m sorry for you. Hope all is okay.

[@GigaChad_169]

I’m sorry to hear that also. I recently divorced a clueless spouse that wasn’t interested in staying out of debt and living within our means. Bought 5 cars in 4 years (2nd to last car I wasn’t consulted with and found it sitting in the driveway when I came home from work). Completely disrespectful. My ex partner overpaid for a house during our separation and is now $100k underwater on a mortgage. Last I communicated with the person they were cashing out their IRA and complaining to me that they are “in a shit ton of consumer debt”. You can’t help some people. I’m debt free other than my mortgage and I’m making extra payments to reduce my interest as well as pay the loan off early. My 30 year loan is now a 26 year loan from 8 months of additional mortgage payments thus far. I want this last debt gone so I can feel a sense of freedom.

[@thankfulblessed8496]

@@GigaChad_169 that’s awesome and congratulations on having an almost completely debt free life! I pray to God to be in your position oneday. Your story is an inspiration and I’m glad you got out of an awful marriage!

[@borngenius3560]

I am just wonder do they spend their student loan strictly on education purposes or something else as well like parting, vacation, clothes etc. How the hell they rack up so much debt? I graduated from a community college with no student debt and now make 80,000 a year… no student debt

[@chocovanille5809]

Parents who had student loans and let their children take student loan is absurd.

[@sn4rl277]

They only real cure to this type of Anxiety, is to pay them off. The Government isn't going to come and save you. Sorry, but never had a Government every help me with anything aside from taking money from me (aka Income tax).

[@davidmason777]

Just get in the save plan if you can’t afford it right now. Then once you are able to work knock it out

[@aolvaar8792]

5% of disposable income and unpaid interest is waived.

[@SWATTECHNOLOGIES]

A 192K student loan is a travesty. I have been continually shocked for years that people somehow accepted the situation where young adults will have the equivalent of a car payment/mortgage for half their life for a college degree. When did 47K per year for a mid-low tied education start to make sense to people? My college education was $19K for 4 years. Yes, that was the 80's but...that same education at the same institution is now $214K for 4 years. Translate that and apply it to gas prices today? Gas would now be $27 per gallon. Think people would accept that? They freak at $4 per gallon. You can get by without college, but not without fuel!

[@random-nz7dy]

She didn't say her income, but it's not hard to know what to do. You start paying the debt that you was an adult took on. Its your debt. So you've got to find some way to pay it off. Nobody else is going to do it for you. This is happening and is going to happen to a lot of people who just ignored their debt for 3 years while the interest didn't accumulate, acting like it wasn't real or something like that. Well, unsurprisingly the federal government isn't just going to come in and pay off your debt, so you get to do what every adult should, pay back what they owe.

[@goldenboy8249]

It drives me crazy hearing about people who didn't pay their loans at 0%...every payment goes to principle...literally the best time to pay them off.

[@creolelady182]

You dont need a lot of formal education to get a job or start or career. I question why anyone would borrow over 100 thousand dollars to attend some sort of school when the demand for a lot of professions is not there

[@kevind8752]

My first question to her, how did you get $192k in debt.? What bad decisions have you made?

[@stevenporter863]

All these calls like the caller's comes down to two words: TAKE RESPONSIBILITY - it is called growing up. All these people think if they ignore their loans someone else will pay them or will magically disappear. Like it or not: What will really happen if ignored or just don't pay - credit will be trashed and any investment, cash, house, car or crypto you think you are entitled to will be reposessed and liquidated so pay the loan - all while your stress will go through the roof for life.

[@Chromewarrior]

Unpack what ? No info. Pay your bill. What did you think was going to happen when you happily took the loan. Be an adult.

[@katyedwards3935]

Most people who call this show are just as dumb as their debt itself is. The only reason I watch it is cuz I went through FPU to help me learn to be debt-free in the future. I'd definitely classify myself as a ramsey-ish person cuz I'm not exactly doing the Steps.

[@JBever33]

Great segment by Jade

[@mamastylesaver]

I’m 2.5 years away from Public Service Loan Forgiveness but the minimum payment they want is $600 a month 😢 honestly to me it’s worth $40K forgiveness

[@Rashaadthegr8]

You not getting your loans forgiven. Biden doesn't even have a guaranteed 2.5 years left in office the first term is already over in January and who knows if he will get a second or who his replacement will be. It only takes 2-3 years to get out of debt anyway on average.

[@jasnalah103]

98 in student loans and don’t even work in the field 😩😩

[@swannyriver75]

If it makes you feel better my student loan provider can't even tell me who has my student loan " In their words we'll notify you once we have a servicer for you..don't have anxiety work through it get it resolved

[@quackaddict9810]

Jade is so good. Shes got me ready to pay off student loans again when I paid them off five years ago 😝

[@jasonleatherwood2172]

Sell everything work 100 hours a week like i did and quit whining

[@Tank-vi2dv]

Yeeeeees

[@lot2196]

Na, they'll just vote democrat again.

[@jasonleatherwood2172]

@@lot2196 probably

[@KindKillNONDU]

You're backdoor bragging which is sounding like whining.

[@manuel_gaitan1103]

I’m so happy I don’t have student loans 😂

[@TheItFactorMMA]

Pipe down nepo baby

[@manuel_gaitan1103]

@@TheItFactorMMA should I ?

[@aolvaar8792]

@@TheItFactorMMA Because not all Ramsey videos are about student loans?

[@kensmith2796]

Depends. I'd rather have student loans and nice career than no student loans and a dead end job.

[@JohnThomas-xl2ro]

Jade is awesome

[@willh7621]

My wife had anxiety over the loans. The Joe stop interest so she doubled her payment. She will be debit free next August

[@paulstandaert5709]

I wonder how much anxiety there was when she signed the loan papers.

[@FrauIndian]

$2k a month is a mortgage payment! What did she go to school for??? Medical or grad school??

[@joeriveracomedy]

Time to put barcodes on diplomas and deactivate the degrees of moochy welcher student loan debters

[@dougg4633]

"Correct way to pay it" ... Ummm 🤔 With money

[@Rashaadthegr8]

A kid believing in Santa Clause is the equivalent of an adult believing in student loan forgiveness.

[@stevennovakovich2525]

It was "Come On Ileen", not "Irene". I'm not worried at all about repaying my student loans. I signed up for the SAVE program but I do not plan on paying just the minimum amount. *Just pay the MF off* : slowly but surely if you have to. The interest on my loans is very low. I'm 5+ years from FRA (full retirement age) and my debts *will* be paid-off by then. I belong to a *strong* union and pay just $79/month union dues for health insurance. I pay *nothing* even if staying over in a hospital for days and days and days.

[@aolvaar8792]

My former employer gives free lifetime family healthcare in retirement for 20 years of service. It allows you to retire in your 40's, start a family. I'm at FRA, my youngest is 8.

[@LearnAsYouGo.]

I owe 70K in federal loans & 23K in private loans. I will be debt free three years!

[@Rashaadthegr8]

What were you doing the last 3.5 years is my question during the freeze?

[@BK12344]

Having anxiety for student loans, get over it and find better ways to save money make payments and cut the BS out tht u don’t need. U took the money out u have to pay it back, I have students loans also. It is wht it is they can’t put u in prison for not paying.

[@Sandlewood-ti3sv]

If I would have followed your advise I wouldn’t have 150k in retirement. Half of that was part of my compensation plan. I could cash out my retirement today and pay off the student loans. Do the math people 100% match is good deal, save 5% discretionary with no added interest is a good deal and deserves the word save.

[@sonicr6091]

Please. Can someone answer . Whats wrong signing up for the Save plan and do the Debt snowball. Safe on interest and attack the lowest loan balance.??

[@SeriousSchitt]

Where am I? I’ve lost myself!

[@lastpme]

It is sad that students at such a young age can easily qualify for so much with students and it is harder for adults to qualify for loans for that amount. A lot of kids don’t understand how long it will take to pay that off that debt and it will hinder their ability to buy a house and build some equity.

[@Mam-ur1]

A lot of meds out there to help you "relax".

[@tduck828]

They should give you anxiety. PAY THEM OFF!!

[@cookinthekitchen]

It is not the government's fault they give student loans, people have to realize the absurdity of signing their life away to go to an expensive college, then they will stop asking for the loans

[@Rob10288]

Can we get mortgages forgiven too???

[@DamianBadalamenti]

If you had 3 years of interest free, that should have been a sign to pay extra and get everything paid down..

[@T-ex1pi]

Wow I hate that sponsorship plug at the beginning of this video

[@t3morga]

I dont understand why people sign up for such terrible deals?🤔

[@aolvaar8792]

Because they do their passion, instead of what makes money. ROI I was offered a World class engineering degree for Free. I took it because the ROI was through the roof. Not because I wanted to be an engineer, I didn't. Never worked as an engineer, but that degree is a bulldozer for opening doors.

[@alinatamashevich3354]

Free money

[@joeytrust4393]

If you interviewed high school students across the country regarding their knowledge of modern money mechanics it would highlight how ill-suited young people are to take on student loan debt.

[@jetson8119]

This video made me pay off my $560 balance before the next month starts 😂😂 got 2 more to go.

[@YoPhocFays]

We are rooting for you... go go go!! 🎉

[@jetson8119]

@@YoPhocFays thanks a lot 🙏🏽

[@YoPhocFays]

@@jetson8119 we'll celebrate 🍾 your last payment. I'll drink a beer in your honor.... and I don't even drink beer. Lol

[@lea8532]

I bought a house. Now 300 a month feels like a huge burden when I’m alone and paying 2-3k a month on bills. I have so much anxiety.

[@BeastorFail]

Sell the house or just do Uber a couple times a week!

[@SeriousSchitt]

@lea8532 You have to start somewhere and if you’ve bought a house then that’s one hell of an asset, that shows you’re sensible and not a complete waister of cash. Try your best to preserve that as much as you can, it won’t be easy but you’ll overcome it eventually. Well done!

[@lea8532]

@@BeastorFail hey I Uber on my lunch breaks and after my ft job most days. At least 5 times/wk. Believe it or not I will actually be taking on a third job being a virtual assistant 🥴 It has helped but I’m about to be hit with higher property taxes because it’s been going by the previous owner who had it at 0%. It will go up 400$, even with the homestead assistance, and also now student loan bills, about 300$. So I’m really scared. Also I can’t just sell the house. I don’t have enough equity, interest rates for a new place are at 8%, and where I live rent is actually worse. It’s just crazy. I remember making 40k and that took me super far. Now Im making double but I’m in so much 💩💩

[@lea8532]

@@SeriousSchitt thank you! 🥹 I’m going to just give it my all and work hard to pay off all my debts. Im following the steps so hopefully I’ll see the light at the end of the tunnel soon.

[@Gamma_Labs]

​@@lea8532you got this

[@DDDD-of3hv]

ummm don't take out debt and you wont have problems

[@katyedwards3935]

He should've given her a copy of his books on anxiety cuz she definitely needs them.

[@alinatamashevich3354]

XanaX

[@daddytaz7123]

Should be ez to pay off becuz she’s a doctor and a lawyer

[@mistiinseattle]

People *should* have anxiety over student loans.

[@aolvaar8792]

What's the worse, garnish 25% of your SSA retirement?

[@mxerb5912]

Should have been paying without interest

[@thegods2622]

I got mine forgaven because im a 100% p&t with the VA

[@DoctorSmartyPants]

What is a p&t?

[@thegods2622]

@@DoctorSmartyPants permanent and total.

[@aolvaar8792]

@@DoctorSmartyPants ???? a simple swipe and right click Permanent & Total (US VA disability)

[@johnmitchell8925]

The scary part is these people are the next generation

[@RusskiCommieBot]

If you can't afford to pay, you don't pay. No loss. The government can print the money to pay the nations bills. They don't need your student loan interest payment to send 40 billion to Ukraine every month.

[@aboutwhat1930]

Thank you for your words of wisdom, comrade. I'll go riot until they give us our vodka ration.

[@scroogemcduckismyspiritanimal]

The government has police power. It's not like banks that can't collect on an unsecured loan. They'll get you, just like the irs

[@amireallythatgrumpy6508]

But what they will actually do is start garnishing every student loan borrower's pay.

[@RusskiCommieBot]

@@aboutwhat1930 Чеs! Рlеаse do Сомогаde. Кеер гioтing until the deмосгатs provide free vоdka and ноокегs to all!

[@personallyjoua]

Student loans will be garnished , just like tax levy, through your employers payroll. 😢😮

[@noggasaki_x]

my student loans interest started in September from Mohela 😧

[@jbarkley4938653]

But you are in the PSLF program. So yours will be forgiven soon and yes the forgiveness works

[@amireallythatgrumpy6508]

As long as his paperwork/file does not mysteriously disappear when the forgiveness would occur, like many of them do. @@jbarkley4938653

[@formula112967]

My anxiety kicks in when I pay my mortgage, so instead of asking the taxpayers to pay it for me, I pay 3 or sometimes 4 mortgage principal payments a month, and when I see how fast I am getting the mortgage payed off and how much interest I am saving making the extra payments, my anxiety goes away...........my advice to student loan borrowers is to pay extra to your students loans.

[@aolvaar8792]

$214/mo Auto-pay mortgage, no anxiety 30 year, don't make extra payments

[@jml9550]

I paid off my $328k mortgage in 24 months. My last payment was before thanksgiving 2022. Now 100% debt free, decent tech income and rentals. Loving having no debt. Just bought my wife a new car in April, $52k in cash.

[@RusskiCommieBot]

Paying off debt is deflationary. If government doesn't inflate, our country and currency die.

[@amireallythatgrumpy6508]

Your country died in 1776.

[@handleyobusiness]

@@amireallythatgrumpy6508 Born* in 1776.

[@amireallythatgrumpy6508]

It was stillborn.@@handleyobusiness

[@patrickhale2087]

I used my GI Bill. Uncle Sam is hiring!