Student Loan Debt in America: How We Got Here + How We Get Out

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[@TheRamseyShow]

It all starts with a budget-so download EveryDollar today. (It’s totally free!) www.ramseysolutions.com/ramseyplus/everydollar/studentloans

[@darrenruben2981]

Thanks big g

[@angelamc3532]

So I do have school loan debt, i am a Nurse and have been paying on them for over 20years!! Also, How do I protect my home that is paid off, If and when thigs go South fast, Govt. shut down etc... are there things i can do on my end to keep my home so it cannot be taken

[@lauraitanyi8911]

Hi Dave, thank you for all you do. So empowering. I just went to get the everydollar app and sadly found its not available for Canada residents. How can you make the budget app available in Canada please?

[@jessieh5183]

Paid off my loans yesterday !!🎉🎉

[@Blueman2018]

Congratulations

[@TheSoulCrisis]

Grats!!

[@gregmoore2875]

God bless you! Congratulations!!!!

[@jessieh5183]

Thank you! It's a relief 😌

[@lyfewithdj2258]

Congratulations!🎉🎉💜💜

[@raheelakhtar7]

As an international student, I was never eligible for a loan. It was probably a blessing in disguise!

[@smoothmicha7171]

Yes sir

[@strangerdanger8462]

Oh for sure.

[@bethanydavis4942]

Free webinar, free apps, free help, easily accessible. What I love about Dave is there aren’t any tricks or hooks. No “subscription” - just plain and direct advice, it’s one of the reasons why I trust the Ramsey Team. These guys actually want people to be free and at peace with their finances. Thank you Dave!

[@mmp495]

His show has been my education. ❤

[@arh1234]

Well, technically you can be a member at Ramsey+, but truly, all the content is available for free. Ramsey+ just makes it a little slicker.

[@kimharris3322]

Out of student loan debt but I had to watch this Keep doing what you do, Dave.

[@Kyle-qf5zc]

I paid off my student loans during the pause, zero interest! Jade was fantastic in this show, such a great addition the Ramsey team.

[@margie909]

She did great!

[@marinavelaz]

Way to go! I paid off a third of mine!

[@JJ-jn7ei]

Yes! So did I! Wasn’t it strange how they auto stopped everyone’s auto pay during the pandemic. I didn’t know for a couple of months and freaked out. I logged in to see why the heck my loan payment stopped. That’s when I learned the loan was interest free. Took total advantage-thought every one else was doing the same!

[@LG-zy9dp]

Same but I found out a year later I was pissed off could’ve paid extra. But when I found out I sent all those missed payments. 1/3 paid off so happy. Goal to pay off in 9-12 months. 🙌🏽😎

[@JJ-jn7ei]

I feel like the interest free part was a bit hush hush. Again, found it odd they stopped all auto payments

[@mbaileyr]

I love Jade’s energy! I Dropped $5500 on my $15k balance before interest started again.

[@Wilky2526]

Beautiful - that's such an empowering feeling; Keep it going! I finally paid mine off last year (11 years of sacrifice), and I paid off my car loan this year. Now I'm saving up for the down payment on my next car - The debt on my home is the only debt I will accept going forward. You got this girl!

[@pep590]

Way to go! Great job!

[@KP-hi1om]

No joke. I am an HR manager. I actually hired someone with a Puppetry Degree from the now defunct Arts Institute. I thought she was joking when she told me what her degree was in. She has like almost $70k in student debt. I was at a loss for words.

[@Vivtmbs1]

🤣🤣🤣

[@mcckelly1]

Jade has an amazing story! She’s giving hope to a lot of people that it’s possible to pay off their debt. ❤

[@TopVillain]

Yes a story

[@jeffm7779]

Jade’s story is inspirational and she is an excellent role model and communicator.

[@LaDivaDaBoss]

Ever since I started watching the Ramsey Show my finances have improved & I paid off my Student Loan Debt 5 Days before the interest Restarted… With the guidance of this show I am living with peace & purposes & not just existing day by day. ❤❤❤

[@gm2407]

That must have been a massive relief to clear that knowing that with no payments interest would be building it up. You made the right decision.

[@LG-zy9dp]

Same…I actually felt sick to my stomach and had an urgency to pay them off. Only thing left is the student loan.

[@ellymayflower1762]

I finally get to say this. I paid off one of my student loans!! I have been sucking it up and renting a room in order to do this. I have three more to go and I will get there. 🙂

[@user-pg8gg6zs4m]

Good luck

[@jennifermickelson2297]

Been busting it out the last 3 years to pay off 30,000 of student loans. As of September 1, I had 8000 left. They charged me 10 dollars interest in 10 days. I had enough and drained my account to pay it off!! Thanks to Dave and team and all the podcasts teaching me how to do this!!!

[@ST-rj8iu]

the reality is most people just need to do what you did. Pay off huge chunks. Any additional money needs to go to the debt. No vacations, no new car, only pay loans! It will be over in a couple years for a huge chunk of people.

[@jennifermickelson2297]

But it took me years of paying mainly interest, which I had no idea so little would go to principle. Until you realize this you don't know what it really takes to pay it off.

[@0scarGuevara]

love this!! Not from the US and dont have any debt but this is absolutely gold!!

[@laurachirillo8905]

I dont even have srudent loan debt but decided to watch this because we ALL need the motivation this provides.

[@l.harris656]

Jade has quickly become my favorite Ramsey personality!

[@dutycalls4991]

Paid off over 100k utilizing the debt snowball. It changed my life for the better in so many ways. It's 1000% worth it. There is no question I would do it again if I found myself in someone else's situation.

[@t3morga]

"The white house will not clear up this mess....your house will clean it up" i love it

[@traviselrod7803]

The government sucks at everything

[@mmp495]

💯

[@magdalynfaith]

Yeah, I didn’t believe the government would pay for my student loans, and I sure as heck wasn’t gonna rely on them. During the pause, it wouldn’t even allow me to make payments even if I wanted to, so I saved and once it resumed I put all that money I saved towards it. I’m way ahead on payments just from doing that, but I REFUSE to still be in debt this time next year. I won’t have it! Thankful to you, Dave, and your whole team! 👏🏾👏🏾 I’ll be signing up for my debt free scream early of next year 🤞🏾

[@heathbrockway9040]

I was one of the poor saps that paid student loans for 20+ years (by income driven repayment) and they were forgiven...that being said I paid so much in interest in that 20 years, interest was two times more than my initial bill...waiting for someone else to help doesn't save you.

[@evardmuts]

I noticed that when you sign up for IDR it shows you, you pay more than what you owe and forgiven less than what you owe in those 20 years We always so focused on minimum monthly payments we forget to check other facts. No Such Thing As Free Lunch.

[@laszlobauer5274]

Never had any student loans, it's not even a thing in my country but this applies to all types of debt.

[@Anonymous-xq3cd]

I paid off mine last March. I did not stop paying before, during, and after the pandemic. I want to change my family tree. I want to set myself up for success. I want my future self to thank me. I owe it to myself to make things right. Its never too late to do the right thing for your life. Because at the end of the day, the only person who will look out for you is you.

[@laylow9o965]

I was paycheck to paycheck worrying if I get fired today how screwed I’ll be…. I’d pay off 68k of debt took me about two years and I wasn’t perfect but I’d never gave up. I owed alot of thanks to Dave for the motivation I needed when I wanted to quit. Now I’m not worrying about my next check… or if I get fired, I have 2 years worth of emergency fund. Lived below your means are you’ll truly be happy 😊

[@pep590]

Way to go! Great job!

[@es__music]

68K in 2 years? Either you live with your parents or you make 130k a year minimum. Congrats though.

[@laylow9o965]

@@pep590 thank you

[@laylow9o965]

@@es__music dang you guess it!!! I live with my parents but I still pay 1k for rent and I’ve made 154k last year I’m a OTR truck driver from California.

[@laylow9o965]

@@es__music thank you!

[@moneywithjustliving5258]

This is the best thing they could have done for the people who have Student Loan Debt. Start from the beginning and make a plan. Might take awhile but it's time to take control of our own responsibilities! Thank you to Dave, Jade and Rachel so glad you guys are on our side!

[@ciaradiam0nd]

Threw as much as I could at my loans during the pause. Less than half of what I had in student loan debt at the beginning of 2020 left to pay off, used the snowball method. Just found your videos recently and they’re helping me SO much. Thanks!

[@extraaccount6199]

There is no financial education in this country so how do you expect 18 year olds to understand things like compound interests, capitalization, inflation, wage growth, time value of money, and demand for their particular degree after graduation to be able to accurately calculate their chance of being able to pay back their loans? Most people's parents aren't even financially literate and we as a country push college as the something every teenager should aspire to. Then we're surprised when we're in a student loan crisis.

[@Rashaadthegr8]

There it is called KZbin and Dave Ramsey has an online school course less than a pair of shoes.

[@dj.1094]

@@Rashaadthegr8but that is for students now, what about ppl who have graduated 10 years ago. Information wasn’t readily available back then and those are the students struggling. I know plenty of ppl that graduated with me that had no idea what they were going to do once they had to start paying loans back. And these were ppl with business degrees. I am fortunate that i had parents with a finance background that could explain what the real cost is when taking out loans. Thank goodness I am almost free from this!

[@Rashaadthegr8]

@@dj.1094 Dave Ramsey has been doing it for 30 years with his Radio show. The total money makeover has been out since 2003. His foundation course for high schoolers has been out for several years. Nice try. lol. NO EXCUSES! I don't want to go into business with anyone who can't do research or use KZbin. Sounds like they wasted their time in school. You don't need to go to college for a business degree. There

[@dj.1094]

@@Rashaadthegr8 ok.

[@Rashaadthegr8]

@@dj.1094 OK.

[@romanzagg]

The forgiveness program was false hope. Im reading your book and watching your videos on KZbin. I have my plan and I will attack my loans.

[@RetroGamer20109]

Forgiveness programs are not a joke. They do work. They just had problems. Many of those problems are fixed now. I wish people would stop calling forgiveness programs scams or false hopes.

[@republicunited2183]

Vote buying! You take debt, you own it!

[@_youurstrully_]

Jade is such a powerhouse woah!!! Motivational For real 🥳🥳🥳

[@justafryguy]

Thank you for this…I feel the fear…we have 92K in student loans between my spouse loans and mine…no other debt but the house and trying to find out how we can do this before our son goes to college in 4 years. My freedom and forgiveness comes from Christ and He wants us to be free out of debt and to forgive ourselves and do something that helps us to achieve this.

[@frederickruderman2997]

Dave is the best. I kept hearing about his free live stream to help us handle student debt. Then he’s selling his program near the end. Ramsey is the greatest ever salesman. No wonder he’s worth millions and millions.

[@margie909]

A+ presentation! Great set, great optics, great transitions, excellent presentations by all 3. I have no need for any of this information, but i still found it very engaging. Well done Dave, Rachel, Jade, and crew!

[@rnt45t1]

"I have no need for any of this information" - his entire audience now. If you're watching Dave and still in student loan debt after three years of a pause, you're a loser.

[@Nisa-gm5wg]

Pass the information on to others to help them. I watch so I can educate others. I’ve been completely debt free (house too) since March 2020 and it’s because of Dave and his other personalities (Anthony O’Neal, Chris hogan and kristie- they’re gone but we’re great as well and Rachel too)

[@mvsorola]

That’s amazing her and her husband were able to tackle that much debt! How brave!

[@anubisgod23]

Nothing about that is bravery lol

[@velorachiles7600]

Paid off my Parent Plus loan last night! $16,048 and some change!!! OMG I’m free!!! God is beyond good!

[@tylersanders2388]

Jade is a great story of discipline and perseverence

[@krissyrivard7485]

I don't even have student loan debt, I just love watching you guys 😂

[@peekabooicancu]

I'm not American and have no student loans either but still getting good advice 😂

[@PatagonianDuck]

2023-09-14 Starting today with $234,463 Debt ($194,206 Student Loan). Will update when paid off.

[@LunarFlyDQ23]

I paid off my 40k Student Loan in 2 years 🎉🙌🏼😁

[@natalya7356]

My son (just turned 19) graduated HS and started with community college (2 years tuition free in cali). I was worried about him "missing out on the college experience ". He said "I dont want loans". His argument wins. I'm an immigrant, came to US as an adult with no English. So had a long road. Graduated from community college as an RN, got my BSN while working without taking loans. Currently getting masters and paying as I go, no loans. There are different ways to do it besides the traditional "go to college, take out loans ".

[@FlexiFlo07]

I am glad to say that September 2023 I officially gave Sallie Mae her walking papers. ❤🎉

[@mariorta5017]

I don't even have student debt, but I enjoy so much all the info.

[@txgirlaustin8432]

Yeah, me too😊. I dis go to school, but I got grants & scholarships!!

[@aliceg.199]

Thank you so much Dave & Team!! 💜💜💜

[@dj.1094]

No more Whole Foods or Trader Joes, but its worth the sacrifice! I have been food shopping at Walmart and Aldi’s and my grocery bill went down 30% 😊

[@Brucefulness]

We almost exclusively shop at Aldi (95%) and our grocery bill per month is still around $1000. 4 kids and almost exclusively eating at home runs that line up A LOT! Also very stripped down too. No processed crap. Homemade meals.

[@Sophie3647s]

​@@Brucefulnesswow 4 kids what do u do for living

[@dj.1094]

@@Brucefulness its a struggle to buy food no matter where you go, prices have increased so much I dont know where i can cut back anymore!

[@KP-hi1om]

Never had student debt myself. The Navy paid 75% of my tuition for my Bachelors and Master degrees. I am currently working a second job, making $500/week, so we can pay for our daughters college in cash. She lives at home and goes to community college for the first two years. That will be $10k + books. Year 3 and 4 will be at the local state college. It will be $12k a year plus books. I made our daughter get her drivers license at 17. She commutes to college 25 miles away twice a week. We bought her an $8k car. 2013 Nissan Altima with a salvage title due to hail damage. 32k miles and fully loaded. Runs like new. I am guessing with tuition and books we will pay less than $40k for a four year education. We are paying for college not the college experience. Now just imagine if our daughter had applied for scholarships. Please don't tell me that college can't be paid for in cash. You have to be creative and patient.

[@WoodyJ98]

It’s crazy you have to do that just to get a baccelor’s degree. Around the world, all you have to do is have good grades. This is how the government keeps people serfs

[@KP-hi1om]

@@WoodyJ98 no sir. It's called paying your dues and being responsible. As far as being a serf.... because of that degree we will be retiring in eight years as multimillionaires. Keep borrowing money, being under employed, complaining, and waiting for the government to solve your problems. Let me know how that works for you.

[@WoodyJ98]

@@KP-hi1om how much time will you have to enjoy that million? I’m not saying that’s not a great feat, but most people will be 65-70 once they become millionaires. Work 40 to enjoy 10 (with poor health) seems like a bad deal. I get it’s the way it is and working hard is good, but doing it for someone else and giving up so much time for so little sucks. And not everyone is even talented enough to earn a high paycheck. Keeping expenses low is key

[@KP-hi1om]

@@WoodyJ98 I see your point. However just imagine if your great grandfather had done what we are doing and passed down generational wealth and knowledge of finances. You'd been born a millionaire. Someone has to be the first one to set up the family. That's me!

[@ensignmjs7058]

The taxpayers paid 75% of your tuition. You're welcome.

[@katnez]

I refused all parent plus loans. No regrets

[@chicamie]

It went by fast. Thank you for cheering us on.

[@Civilrhodes]

Paid off Student loan debt last week. Been saving up since deferment.

[@tjroe5190]

Hallelujah! Im done with student loan debt! You can do it too.

[@pep590]

Good for you!

[@txgirlaustin8432]

Congrats!!! It shows that u are a very responsible person😊

[@joseph10704]

Watching this special episode of the ramsey show makes me even more blessed that i myself dont have anymore student loan debt. And pretty much i can move on from that crazy chapter if my past life. If i can do it so can you all do the very same. Pay off your debts. You build a character inside of u that u never knew u could become. And u for sure will look at money a very different way.

[@wahlumgirl]

Great presentation!

[@jackalopeb9598]

I regret continuing onto University when I could've done community college with more skills.

[@timmckee8287]

This was excellent

[@sofiarangel1315]

I don’t have student loan debt, but I appreciate them airing this support for the people who do!

[@cletusthemysterious]

Jade your hair looks lovely

[@BigJayPodcast]

Still having a hard time understanding the issue with the save plan

[@alishavogel7926]

Short answer, negative amortization. You end up accruing more debt even though you consistently pay. I have no idea why it's even legal because it's illegal on normal mortgages as that came after the 07/08 crash. In other words, do you want to pay a consistent amount every month and show nothing for it after 5 or 10 years?

[@DrJack144]

Because you’re just delaying paying off the debt. It’s bad for mental health & otherwise to stay in debt

[@BigJayPodcast]

@@DrJack144 relax that wasn’t necessary

[@DrJack144]

@@BigJayPodcast they said it in here. Dr Delony has also said it. Wasn’t coming from me.

[@beyoutifullynatural9451]

I have the $0 repayment. I still plan on paying tho. I called my servicer to get an understanding on the interest and to see if I’d be penalized for paying on the $0 payment plan. So if you use that to benefit your budget then you can stay on top of your interest. Still work it into the debt snowball. I think it’s only bad if you don’t pay anything more than just the interest. Make sure you’re paying down on the principal too

[@llchew7784]

Go Jade! Thank you for sharing your testimony

[@erikmartinez6026]

Awesome carisma from Jade :) Waiting for the day she gets her own show!! If John can manage his own show so can Jade.

[@scarrasquillotorres]

I love this! thank you to all the Dave Ramsey people!

[@etlive8047]

I owed about 130k out of pharmacy school. Took a job that offered 100k cash towards student loans tax free. I can't wait to be out of student loans first week of October!

[@sonicr6091]

God Bless Dave. Thank you

[@cabayern9416]

Many people are still receiving forgiveness : teachers, law enforcement for example. PSLF.

[@lyfewithdj2258]

Thank you for this podcast. It's just what I needed to get on top of my student loans & other debts!🙆🏾‍♀️💜

[@HOLDXSTEEL]

We got here because cost of education is ridiculous

[@joshhoward1289]

And the government subsidized and guaranteed the loans allowing the schools to charge even more. So wrong! The schools have zero accountability. The government is knowingly putting people in debt to them.

[@abepenner7497]

What if cost of education is ridiculous because of guaranteed funding for education?

[@TheSoulCrisis]

Great video, absolutely loved it!! 🎉

[@emh.6687]

Just paid off almost $18,000 off before September 1. 🙌🏻 Took advantage of 0% interest with COVID

[@mirasolmenancio3322]

You guys rocked!! 👏👏👏 So encouraged here from the 🇵🇭

[@veronicacrawford7582]

💜 This was awesome! So many nuggets! I'm sharing! Thank you! 💜

[@jumpingjake123]

Jade is awesome! So fired up!

[@flygirl2447]

I just finished paying off my student loans last week!!!! 🎉💪🏻

[@noniegunn2860]

This segment is very inspiring which has in a better head space!!! I am gearing to get started on my debt free student loan debt!!!! It’s in the latter 20 thousands!!! I am ready to get started!!!

[@mmp495]

Such good info from ppl who have been there. ❤

[@richardm5540]

Don’t forget when you’re busy making plans. Life happens!

[@extraaccount6199]

The PSLF program was fixed last year. Many of those people waiting to be forgiven have been forgiven at this point. It's a legitimate plan for those who work in public service.

[@RetroGamer20109]

I heard that too. The issue is that PSLF goes against the Ramsey model. Dave and his team will not likely ever see it as legitimate.

[@arh1234]

One of the challenges is that some people are so committed to PSLF that they more than pay for the loans in lower income at a qualified job, when they could have paid it off faster earning more at a nonqualified job

[@amireallythatgrumpy6508]

It was improved slightly but it's still broken.

[@natsdaley9615]

Greetings from the UK 🇬🇧 jade you are an inspiration ❤

[@cash5627]

I'm thankful that my wife and I started implementing the baby steps BEFORE her first day of school. I knocked out a third of the loan debt the very moment the student aid website had a login for her. We're going for that debts throat!

[@marthaannrichardson]

I should of just listen to Dave and paid off the debt. Now I hate myself for being disobedient.

[@Robsshortreels]

God bless everyone on this video, you guys are awesome! 😊

[@rachelwilliams4193]

I love watching you, Dave, and I appreciate your financial expertise. However, I guess I'm in the 1% because last month, I received student loan forgiveness under Biden's PSLF program. Thank you, Jesus!!💛🙌🏾 I"ve been so overwhelmed with emotions since I found out! I have been an educator for over 10 years and am so grateful to be debt free. There are so many others like me. It's not a joke.🎊

[@RadioRahimG]

It used to be 1 percent it’s fixed now

[@RetroGamer20109]

PLSF is being fixed now. The numbers he used are old numbers. Without providing the proper context for his statistic, he sounds like he is bashing the program for his benefit.

[@KP-hi1om]

I am an HR manager for the state. I have been signing off on those PLSF form for our employees for years. I do know a few folks whose loans were forgiven. But not enough to give the PLSF folks praise.

[@kathleenbradley6383]

As of 8/2023…804,000 student loans were forgiven equaling $39 billion of debt relief. Shame on Dave Ramsey for speaking in hyperbole and making it sound like President Biden didn’t come through on multi-levels for those with student loan debt. Freaking people out by saying they’ll need to work 5 jobs by October to start paying their debt back. Why not mention Biden’s S.A.V.E. Program, which will allow repayment based on how much you claim you earn on your taxes? Word has it, under SAVE - Most students will be paying 1/2 what they had to pay under Trump. Some who make less than $32,00/year will be asked to pay $0.00/month. Also Under the SAVE Program, interest can not compound. So don’t panic. As of August, 2023 Everyone The 10k-20k loan forgiveness program got torpedoed due to anti-lower and middle class Republican politics, Big Student loan lenders like Mohela, and the Republican conservative Supreme Court. Dave forgets to mention this. Shame on Dave and his right wing conservative politics. Stop the hysteria for click bait.

[@amireallythatgrumpy6508]

It's still broken. It will never reach 50%.@@RadioRahimG

[@TheRealEdStoner]

Tax payers should never have to pay for people to learn to hate are country.

[@amireallythatgrumpy6508]

Well they've certainly never had to pay for your education. Can't even string a sentence together. Clearly never made it past the fourth grade.

[@roolyfe]

I got 💯 k in student 👩‍🎓 loan debt. 25k in credit card 💳 debt. 50K in car 🚘 debt. 10K in back taxes. I got back child support for my twin sons. I got Coochie debt of 300k. Jesus take the wheel!

[@nicoleyoshihara4011]

Going to pay off my student debt goal in 6 month working period next year

[@danielcuckler2743]

No offense, but rachel talking about this subject is laughable

[@howmygardengrows3080]

Yall got me tearing up at work at the end over here. Debt free screams do it every time. Lol

[@ST-rj8iu]

People need to pay for loans while they go through college. You lived for 4 years in a dorm. That is worth something along with the meal plan.

[@musicjazzvez]

Thank you for sharing, We need to figurate how to pay ours!

[@j.wilkerson1905]

Jade is on 🔥

[@TheCarines1]

The look 👀 Rachel gave Dave when he incorrectly spelled Yrefy with a “w” the look of “that’s not right”!lol

[@snakeolicous]

Jade is one hell of a talent.

[@rodraxsan7764]

I don’t have student debt, I just come here to see these sad cases

[@mandee918]

Share Share Share with all of your friends and family struggling with debt! We used the baby steps and are now debt freeeee! 🎉 Thank you Ramsey Group!

[@chinoto1]

Talking about beans and rice as if it's a bad thing... I just ate chili at a restaurant! 🤣

[@rebelandboltman]

Starting February, the Student Loan will be DESTROYED!!

[@MrBrewman95]

I hope this helps ease inflation.

[@evr0.904]

This is going to ruin the economy.

[@aracelischirinos7222]

Marvelous!!!

[@caseycooper2381]

Dave. At minute 53 you say private student loans are dischargeable in bankruptcy... they are not after the 2005 bankruptcy reform act... older loans may be, but after that not so much

[@prairiesunsetbbq6334]

We literally eat beans, rice, mixed veggies, chicken or beef. With our fruit. We have labeled this "Dad's dog food". My son has now grown to love these rice bowls.

[@noona514]

You save money by being frugal and attacking the loans. A man with no debts is a free man.

[@CathRas95]

If the mortage is also taxes and insurance, is that listed separate on every dollar or can it be on one line.

[@jeahlashelifestyle6816]

Only thing a disagree with is the 401K because 1st If your job is meeting is matching that instantly doubles your money, which you can take a loan from 401k on your student loans and have double the money to pay more (That’s what I did, I put in 5k in 401k. My job matched now total of 10k ….. Than asked for a loan paid on principle amount of SL) 2nd 401k lowers your yearly taxable income (more depending on your income bracket) 3rd Getting a additional gains from the fund it is invested in, now that the market is back up 🙌🏽

[@TheCarines1]

Paid of $36,000 in student loans in 3 years flat. I know everyone doesn’t have the option, but I lived at home until my debt was cleared.

[@jainiebehling]

Bessel van der Kolk actually coined the term “body keeps the score.” I suspect Dr. Delony read his work. Excellent read on trauma.