Does This Make Me A Spoiled Brat?

[@TonyTorzido]

My dad told me college was gonna be all me. He said he'd help if I really needed it, but told me not to expect anything huge. So I made sure not to get get too much debt lol. Thx dad.

[@AnOriginalYouTuber]

Wise father.

[@saintmichaelgrayson9641]

My mom did the same thing🙌🏾🙌🏾

[@laurao8099]

That advice had got to be given out to parents everywhere . As long as they can follow through with it.

[@Je.rone_]

I try my best not to rely on the kindness of others, even when they promise and even when they're my parent

[@crazeekids9744]

Exactly. There’s almost always strings attached.

[@rs232killer]

General rule, do not take advice on how or where to do something from people who do not have experience in that area.

[@traceyreed9167]

This is something that took a long time for me to come to terms with as per my parents.

[@codenameexoliby6020]

My dad did the same thing to me with law school. I didnt want to go die to cost and he promised me he would pay if i went. I went and graduated top 3rd of my class and now he wont help me pay it. Even though he promised to pay all of it. Pressured me so much to go, him and my mom. Guilted me everyday.. so toxic. The only difference here is my dad is an attorney, makes 200k plus per year and just wont pay it. Overbearing manipulative parents out there, listen up, Stuff like this is why your children want nothing to do with you when theyre older

[@simsimmaa8343]

Lawyers are trained to just win....not about right and wrong.

[@karimbennett5651]

Dad will throw the Federal Rules of Evidence at you and claim his promise is inadmissible hearsay.

[@RepentImmediately]

I'm surprised you didn't get it in writing... That's pretty basic legal thought

[@cutehumor]

When you become an adult, it's hard when you realize your parents were morons, but they did the best they could.

[@irrelevantideology9640]

This made me chuckle.

[@perotal]

Most people are unfit to be parents. There you have it, bring on the hate 🤷‍♀️

[@nmc1859]

@@perotal lol no u r right 🤷‍♀️

[@ricksanchezsflask8794]

Not sure if I would use the word morons, but they had good intentions and they only wanted to help. You dont have to go to college just because they told you to.

[@wread1982]

🤣🤣🤣

[@ZoomerAdvice]

Caller: “Tell me I’m a spoiled brat” Dave: “What’s your annual income?”

[@vickieclark5931]

And sell the car. LOL

[@shalandacampbell7314]

And ear beans and rice, rice and beans.

[@DemetriPanici]

*Reads title…. Thinks “yeah probably”*

[@Mr.Rogers91]

Yeah definitely lol

[@TheeMrsChampion]

Because if you have to ask, you probably are.

[@TheeMrsChampion]

@Joshua Bailey key word *PROBABLY*.

[@ew2645]

I’d say have the conversation to make her aware but be prepared to pay for it yourself.

[@divarenee8324]

Dave I'm sorry serving the swell bread she's an idiot I pay for my own college with my own money I didn't have any corporate handouts yes Sarah you are a brat and a story sincerely yours diva 07111 Irvington New Jersey😐

[@ew2645]

@@divarenee8324 good for you?

[@divarenee8324]

Hey ew😇 Special shout out from Irvington New Jersey I'm 60 plus I'm gonna go back to school in September of God spares my life Sincerely yours diva Irvington New Jersey 07111PS please have a blessed evening in the Lord

[@johnmartin4641]

No. Sue the mom for fraud and breach of a verbal contract.

[@RonJohn63]

"You are only allowed to go to *this* particular college!" LOLOL parents only get to say that if they're the ones paying for it.

[@mannyjeanpierre4062]

Sarah I went through the same thing. Pay it off and lesson learned sweetheart. Dont listen to people when it comes to YOUR OWN LIFE!!! All the best. I paid off 180k

[@cutenobi]

I love how Dave can go deeper with the conversation.

[@plezilakay1214]

Caller: Am I a spoiled brat? Dave: Sell your husband, rice and beans.

[@buffaloben15golf88]

Best Comment 😂💯🔥

[@hollyd1392]

@@buffaloben15golf88 I chuckled way too hard at this comment.

[@Randyroze69]

“Does your mom have a lot of money” “No, no” “Ok soooooo what part of you being mad at her makes her have money” Sounded like a line from Beavis and Butthead😂

[@chukuemekaoje1015]

The caller is NOT a spoiled brat at all. Her mother demanded she go to a specific school, promised to pay the loans, and now that the mother is realizing much she promised too much is now reneging on a promise. Sadly, the only option for the caller is to pay and we all take this as another sad story in this mess called the student loan crisis. DR and AO are completely right on this.

[@Sizukun1]

Yeah its still a little crazy the caller will be the first to graduate college, but her mom was specifying what to do and where to go as if she knew any better.

[@johnyt09jt]

Soooo... what part of you being mad makes her have money? 🤣🤣🤣

[@aplanefliesabove]

Use that anger as fuel. The loans are in your name.. So take some time, once the hubby graduates and come up with a plan. Focus on changing your legacy, and push forward. You know mom can not afford your debt. Parents LIE! 🤷🏽‍♀️

[@lovingcareheatingandair6794]

Careful how you judge your parents until you’ve lived long enough to understand your judgment. It’s so easy to blame our parents for our decisions.

[@nervotica7991]

That's one way to put it, but some Parents are just narcissistic, mean & grumpy. And the sooner we identify this, the sooner we get out and on with our lives. The Lord even has a hand in that too...

[@lovingcareheatingandair6794]

@@nervotica7991… scripture also says honor thy parents and thy days will be long. Sure we can’t pick our parents, but we should always be grateful in the things they do. Especially if you’ve never been in their position. It’s easy to pass judgment until you are in one’s position. Even if your parents are not wise and you’re blessed to be… don’t pass judgment on them. Thank our father for wisdom.

[@nervotica7991]

@@lovingcareheatingandair6794 - or the things they DIDN'T do. Your problem is you don't realise i agree with you. Even in TOTALLY unfair behaviour, there's a blessing on the other side. I know how Joseph must've felt.

[@lovingcareheatingandair6794]

@@nervotica7991..went back and reread and completely agree with you.

[@RepentImmediately]

​@@lovingcareheatingandair6794scripture also tells you not to vex your children

[@teresaboykin4861]

If your mom can’t pay it. You are still responsible for it. Just do it . Something things happen in life and we just have to deal with it.

[@TonyTorzido]

Her mom made a promise to force her daughter to go to a religious college school. Seemed like a lie to keep her from going to a secular school. Time for momma to pay up.

[@johnmartin4641]

No. She should sue her mom for fraud and breach of a verbal contract.

[@ricksanchezsflask8794]

@@johnmartin4641 so then mom has to go into debt for her daughter and the caller has to pay legal fees while also burning a bridge with mom? What good does that do?

[@johnmartin4641]

@@ricksanchezsflask8794 who cares about the mom? She’s a lying fraud and a con artist. The daughter is better off without her. The mom should’ve thought about that before she lied and tricked her own daughter into going to a school that the daughter knew she couldn’t afford on her own. That’s child abuse in my book.

[@Kittycattnatt]

Just pay it back yourself. You’re the one who went to school.

[@DebtFreeDad]

Okay you were young and naive but your only option is to pay it off.

[@jimroscovius]

If your mom can't pay it, you pay it. You will have the income. It's that simple.

[@gamingnguitar4527]

Totally agree, but in a way I understand her frustration. Her mom could have helped get her a better start. Maybe don't encourage your kid to go into debt because a private Christian school is what you want

[@johnmartin4641]

No. The mom agreed to pay. Sue the con artist for fraud and breach of a verbal contract.

[@jimroscovius]

@@johnmartin4641 Yeah, right.

[@jacobg8640]

@@johnmartin4641 First, good luck with that. Even if it was in writing, a promise like that isn't enforceable without consideration from the daughter to exchange before the agreement was made. Second, a court can't magically make money appear in the mom's checking account.

[@johnmartin4641]

@@jacobg8640 then then mom belongs in prison if she can’t pay. If a legal document is signed under false promises and the basis of fraud, then it’s null and void.

[@DebtFreeDad]

Love the titles where I don't know Dave's answer off the break.

[@greekgirl9897]

NO, NO, NO! If mom is going to suffer forever financially then NO. Forgive your mother, pay your debt, and thank her for pushing you to work hard and take care of yourself!

[@user-jy7yw5kw3w]

Ask your mom for beans and rice, then you can put more towards the loans. Negotiate

[@jaqueitch]

Lady, you got the education. You are responsible. Stop going through life blaming others

[@JustinPulliam]

My parents manipulated me regarding higher education and student loans too. Of course I’m stuck with the consequences. That’s life. But a discussion about parents influencing adult children should be had.

[@edhcb9359]

Were you an adult when you went to college? Maybe a conversation about not playing the victim should be had.

[@edhcb9359]

@Joshua Bailey His point is that as an adult he was victimized by his parents. They “manipulated” him into going to college. In reality he was all for it until the bills came and now he cries about it. Sounds like you are in the same boat?

[@dimi8069]

@@edhcb9359 you would need to understand how parental manipulation affects a child's development to understand why an adult would make this decision. Maybe you were lucky enough to have good parents? Don't judge what you are lucky enough not to understand.

[@edhcb9359]

@@dimi8069 I understand that some people are born with a victim mentality and some are taught it. I am lucky that I wasn’t genetically predisposed to having a victim mentality and that my parents didn’t teach me that way either.

[@fkillah]

@@edhcb9359 preach 👏 self responsibility gets thrown out the window because this society teaches you to be a victim now

[@MrBrewman95]

Physical therapy is seriously the most overrated health study. Expensive tuition, low starting salary of about 70k in most places and over saturation of many graduates which will lead to lower wages. Don’t do it! I’m glad I didn’t.

[@MP-nj1qy]

Amen to that

[@faizaikram5239]

My husband makes 160k a year and is a home health based physical therapist.

[@michaelweyenberg6238]

Anything in healthcare makes a killing these days. Other than Chiropractor.

[@georgenannette6754]

We owe our parents SOOOO much. My mother did something similar different situation. I regret crying to her demanding her promise. Please just forgive, forget and just pay for it.

[@RepentImmediately]

Speak for yourself 😂 a lot of parents systematically destroy their kids.

[@CaseyBurnsInvesting]

Lately Dave hasn’t been better than he deserves. I’m getting concerned.

[@UnderDog1911]

...and the rest of us are getting bored with you trying to use this repetitive comment as coat-tail, freebie advertising.

[@innocentrage1]

He's already a multi billionaire. Trust me he's more than he deserves

[@RealGalaxyGamers]

@@innocentrage1 Try quarter of a billion

[@Tunechi65]

@@innocentrage1 who lied to you about his net worth

[@tiffanyyllera5977]

As of 2021, Dave Ramsey's net worth is approximately $200 million. He is an American radio show host and businessman from Tennessee. Ramsey is best known for the syndicated radio program, 'The Dave Ramsey Show'. He has written numerous books including five The New York Times bestsellers.May 18, 2021

[@dane2322]

Honestly iv been in this same situation. Do you really wanna rely on her again to pay off YOUR debt? I would just pay it off yourself.. it sucks and it’s annoying cause you trusted your mom.. I’d just forgive her and move on but I wouldn’t rely on her for things, doesn’t mean you don’t love her or anything. Just take care of yourself Sorry that happened

[@yayyareaa2997]

I thought this caller was like 35 😂

[@pep590]

yes, she does sound older for sure.

[@hilo6487]

Anthony looks like he wants to be anywhere else in the world but there.😂😅

[@MrMustangrick]

Yea he checked out long ago and then left Ramsey.

[@shola7987]

When Dave doesn't know where to start he asks ..what's your household income. I'm gonna start doing that to people lol

[@TimeisUp22]

That long pause took me out! 😆🤣

[@roolyfe]

Lol 😂 so true!

[@MillionaireMindsetClub]

Way too many calls on student loans!

[@briancross6620]

Way to many people needlessly taking out crazy amounts of student loans

[@Datnigromeo]

@@briancross6620 well we can blame our parents and guidance counselors in schools along with teachers that told us that it would pay off. Then saying the return on the education would open bountiful opportunities and such so you take them and now in too much debt.

[@stevenporter863]

@@Datnigromeo Exactly. Teens look to teachers and guidence counselors that that think expensive college is the answer to all life's questions - not even considering the awful ROI.

[@OGaurabless]

is almost like were in the midst of a student loan crisis

[@coloursoftherainbow8399]

This woman needs a heart how can you let your mother pay for a loan until she dies that solely you benefitted from when she doesn't have the money to pay and you are increasing your income. Maybe she made a mistake but you can't hold her to this because of that.

[@samali6066]

You took the words out of my mouth. It baffles me how some children grow up to be so heartless entitled brats.

[@grantlowary9534]

Never understood this “legacy to graduate college”. Most people don’t need college! Lol

[@sarahdez1]

I miss the time when Dave was the only one answering the calls 😌

[@oaoskey6051]

Nothings changed.

[@shalandacampbell7314]

All of Dave's co-hosts echo him so I don't see the difference.

[@rdillon517]

Who signed the loan papers? There's your responsibility

[@TheShahZAAM]

exactly. your 18. not a kid anymore. its ur fault, own up to it

[@comment_account2343]

actually the mom signed her share of the loans. She is asking the daughter to pay the parents loans, that she took as a way to tell her "see you won't pay more for going to the college I want". Now she wants the daughter to pay the difference back plus the interests.

[@pep590]

@@TheShahZAAM Yeah, because 18 year old's understands everything about school loans and paying it all back and what college to pick and all about life. Her mom pressured her to. Are you the mom by chance?

[@GavinCollins1963]

YOU will have the income - YOU went to school and spent the money - YOU have the benefit of the education. Time for YOU to do the right thing and pay YOUR debts. It wasn't prison, it was college...... DUH

[@johnmartin4641]

That wasn’t the deal. That loan was signed under the basis of fraud. She only signed the loan because her mother lied and committed fraud. Her mother agreed to pay. That’s the only reason she agreed to sign the loan. She needs to sue her lying, worthless, con artist mother for fraud and breach of a verbal contract. That will take the responsibility away from the caller and force her mother to pay like she agreed to and like any decent parent would.

[@GavinCollins1963]

@@johnmartin4641 The daughter will reap the benefits and have the income for life. She needs to pay her own bill. Too bad if she was “forced” to do the right thing.

[@leszekkot3373]

Who’s name is on the loan? Start paying it.

[@maryjones6115]

I disagree with Dave on this one. I say, the daughter should have a conversation with mom and ask her if she remembers promising to pay for the loan. I really think mom knows what she promised and is just happy her daughter is making $$ to be able to pay it off herself. She is banking on her daughter not saying anything about it.

[@Primitive_Code]

The mom should pay for a portion of this loan if she wants to have any relationship with her daughter, but like Dave said this is a pattern and this relationship has already been damaged, so maybe daughter and husband knock off this loan and stay as far away from this mother that any daughter could.

[@jant4385]

Dave is right. Legally her mom doesn't have to pay a dime.

[@macummings7818]

Dave explained his reasoning - Mom HAS no $$ and she's HABITUALLY inconsistent but means well. Save the relationship first - earn the education, make the money, pay off the loans. Lesson in maturity.

[@sootfoot]

Pay the loan you signed for. Simply put.

[@johnmartin4641]

That loan was signed under the basis of fraud. She only signed the loan because her mother lied and committed fraud. Her mother agreed to pay. That’s the only reason she agreed to sign the loan. She needs to sue her lying, worthless, con artist mother for fraud and breach of a verbal contract. That will take the responsibility away from the caller and force her mother to pay like she agreed to and like any decent parent would.

[@edhcb9359]

Doctor of physical therapy has one of the worst ROI’s of any degree.

[@amyrussell860]

My question is fhis-does the state they livd in require it? For awhile, my state required a doctoral degree to be a nurse practitioner and it had to be obtained even if currently licensed. It was later rescinded.

[@edhcb9359]

@@amyrussell860 At least with an NP you get to make decent money.

[@cutehumor]

They are glorified personal trainers with a PHD. Yes, I have to physical therapy for ankle tendinitis. It was a joke.

[@doinky3]

Completely not true, work in private practice outside of big corporations and hospitals it can be very prosperous.

[@doinky3]

@@cutehumor you went to the wrong therapist then

[@fancycavegaming620]

That was great advice Dave.

[@angelwings1]

Dave is a good counsellor x

[@Mr.Rogers91]

25 seems about right age we realize that out parents aren't as smart as we thought they were. We're all just kinda figuring it out as we go

[@numi8985]

I thank my mom for not pushing me to uni or college, she let me decide what to do with my life with the exception that I get a good degree that will give me a job and not debt

[@Mr.Rogers91]

@@numi8985 me too. My mom encouraged college but allowed me to make my own choice. I didn't like the idea of taking out loans for college which is the way we're taught to pay for college. I ended up with a phenomenal career that I love doing with no school loan debt.

[@familyof5]

Is not that they are not smart. They are sometimes misinformed.

[@RepentImmediately]

​@@familyof5some of them are not smart

[@silvajuani]

Just pay it off. Mom wanted the best for you. Why because she loves you. You both didn’t know any better.

[@RepentImmediately]

You're making an assumption. There's no logic in thinking that an expensive Christian school was what was best for her daughter but then again, religion isn't logical. Sounds like she valued religion more than what was best for her daughter.

[@johnrandom3903]

When in doubt, just remember to ask “What’s your household income?”

[@rocknjock872]

There isn't an opportunity to not accumulating more debt from school. She said he has 3 months left. He already began his last semester so the full amount is already borrowed and signed for.

[@cusackak]

This is what happened to both my husband and I. Our parents regretted not going to college so they pushed "go to a good school, major in anything, that's all you have to do to get a good job". We're doing fine, but could have gone to a less expensive school with less student loan debt and turned out the same. Of course then we wouldn't have met each other. :/

[@pmeehan_3]

Wow. Not very nice comments here. No empathy. The caller took out the student loans. She was 18. Her mom said she would pay. The caller has every right to feel mad, disappointed whatever. She should have a conversation about this with her mom. When you make promises to people keep them. Especially if you're a parent. Be big enough to say no if you know you can't or won't.

[@bigblue4364]

"I just didn't even think of my student loans being part of my debt." Well... that part made me a little ill to be honest.

[@nicolab2075]

Why? Her mum had said she'd pay, that's why this person called in.

[@bigblue4364]

@@nicolab2075 I'm sure the bank will totally be onboard with that... You sign your name to a debt, it's yours, period. Sucks that her Mother's word is apparently not worth much, but still her debt and her responsibility. Kind-of an entitled mindset to figure that your parents will still foot the bills once you're a married adult.

[@nicolab2075]

@@bigblue4364 Well, yeah, but she didn't sound entitled to me. I think she was young when it happened - 18 probably - and she took her mother at her word. I think maybe it's just dawning on her that her mum isnt that reliable, and this debt is just going to be hers. It's a bit of an issue I think because she was so young,and maybe it wasnt her first choice of college.

[@bigblue4364]

@@nicolab2075 I don't think that we will ever agree on her level of responsibility or entitlement in this, and that's okay. We can agree that the mother shouldn't have offered something that she didn't intend to go threw with, but we never did get the other side of the story, I have a feeling that we're missing something here. Either way she's now 25 and married, at what point do the parent(s) stop paying? 30? 35? 40? It speaks very ill of our education systems that "Oh she was just 18" is an excuse after at least 13 years of "education" You'd think that the students would be more prepared to enter "the real world".

[@nicolab2075]

@@bigblue4364 Oh agreed, we dont know all the facts, just speculating. I'm not saying parents should pay kids' college loans at all. I just think they shouldn't SAY they're going to, however casually, unless they plan to actually do it. I'm not paying my kids' loans in fact, but here in the UK student loans aren't the same as in the US.

[@nmc1859]

I think the caller wouldn't have the overall life she has if she didn't attend this college. The good or the bad. Her mom sent pay it and she has to move ahead

[@fhuber7507]

Bad advice is all too common. You do not need a degree to get a good job. You especially do not need to get your degree in the most expensive way possible.

[@carloswithac]

The sly self-promotion in the comment section always makes me laugh... 😂

[@MontyQueues]

if she was serious about finishing school but wouldn't do it because of the sole reason of money, then her mom did her a favor... lied to her sure but ultimately put her in a better position in life

[@AnOriginalYouTuber]

There might be more to this story from her mom's side.

[@John3.36]

If it's not on paper, it didn't happen.

[@elianah8803]

46K for a private, college education? What are you complaining about? Your education, your future, your debt, you pay. You’re grown. Be happy you had the opportunity to get an education. Geez.

[@Gamingtv23658]

Part of the problem. That doesn't justify outrageously expensive tuition and higher education programs.

[@elianah8803]

@@Gamingtv23658 completely agree. However for 46K, she got a great deal. Instead of being angry at her mom, she should focus on getting a return on that investment (put that education to use with a job or jobs) and pay off the loan. My goodness, the entitlement is appalling. She mentioned attending a private Christian college. Apparently she didn’t learn “honor your mother and father” which she could have learned for free by reading a Bible in a hotel room. She did learn one thing though, she is a spoiled brat. On that we do agree.

[@Gamingtv23658]

@@elianah8803 Now I only went to two year, but I had pell grants due to certain circumstances, so I was (very) fortunate to be able to finish school without a cent of debt/ without paying for anything.

[@RepentImmediately]

​@@elianah8803the Bible also encourages people not to vex their children. Also, private schools aren't necessarily better than public schools. Often their entrance requirements are lower than public schools. In the town I'm in, people go to the local private college when they can't get into our Big Ten university, which has a much grander reputation and is three times cheaper for in-state student than the private college is.

[@hokinsont3681]

She decided to go to College. Its her responsibility, even if her Mom is not able to pay. I went to College and paid my own way because I new my parents weren't going to pay for it.

[@christinebutler7630]

You mean "knew".

[@tnecnivo]

If your parent willing/can afford to pay for it, you are lucky. But if they can't afford it, then you pay for it, its your college's fees. No one owe you anything, not even your parent.

[@RepentImmediately]

Her mother shouldn't have promised to pay for it. My mother reneged on many things that she promised and so I ended our relationship. Can't trust people who just say anything without delivering.

[@jamescadzow9545]

Why is she so shocked by her narcissistic mother's reaction of trying to control her and manipulate her.. this is who she is who she's always been just let her go.

[@joyaustin6581]

It’s just one side of the story.

[@comment_account2343]

@@joyaustin6581 nah even Dave heard it. The mom was manipulating her to get what she wanted. She was afraid she'd lose control if she went to a regular college. Now she is using the loans as a way to control her, because she is escaping through marriage.

[@pep590]

@@joyaustin6581 yeah, because no one ever has a POS parent. Get real Joy.

[@pep590]

@@comment_account2343 You nailed it. Joy may be like that mom and doesn't like it.

[@comment_account2343]

@@pep590 ha ha it can happen. There is always some narcissit parent commenting on how it is tough when yourchildren abandon you after all you have done for them. or Joy could have had great parents and just doesn't understand how that happens.

[@vashtibascombe701]

I agree with Dave on that.

[@alexanderyancey7670]

1. I would have asked if she met her husband there? If so, that should temper her being upset about goingbthere. 2. I would have told her she needs to be honest with her mom about how she feels. Letting those feelings fester will grow worse even if she does pay iff the debts. Unresolved anger is very harmful. Assuming they are both Christians, follow Matthew 18.

[@blackspiderman1887]

Her mother had a good intentions but lack of knowledge.

[@johngonzalez6690]

Why can’t the mother help out with some of it?

[@augustinerubio2004]

I would've liked to hear moms side of the story. I'm sure the little squirt left a few key factors out.

[@Lon1001]

perhaps, but if her mom coerced her to enrolling in a college she didn't want to, by offering to pay the costs, and now renegs on that is a broken promise made worse by the fact that those costs were more expensive than what the caller actually wanted to do. Yeah, I'd be resentful about it too and I'm not sure there is a flip side of the coin that would change that.

[@pep590]

Yeah, because no one has a POS for a parent.

[@RepentImmediately]

She's more successful than her mother but sure, she's a little squirt.

[@markbroughton5814]

You borrowed the money, you got the education, your getting the higher paying jobs. If you want your mom to pay it or help pay it, then you should give her a cut of your paychecks. Just enough to wet her beak..... Never go against the family.....

[@johnmartin4641]

That wasn’t the agreement. The caller wanted to go to a cheaper school, but agreed to go where the mom wanted her to under the condition that the mom would pay for it. That’s the only reason she borrowed the money. Sue the con artist mom for fraud and breach of a verbal contract.

[@kochubobby]

you are making $ 0 from your studies, let mom take responsibility. but when you start making $$$ grow up and take responsibility. you got a good mother!

[@joeriveracomedy]

Pro tip: write down your income before calling. Death taxes and Dave asks your income.

[@kekejefferson9219]

She's a little ditzy! 🤣😂🤣

[@Neddie2k]

Your mum can’t afford to pay the bill, just get on with it. Pay the debt and move on.

[@spiritsofthesky]

Your mother wanted the best for you, but gave you the wrong track for it. It's natural to feel upset as you realize that.

[@stayathomemarine]

This is why you done rely on anyone but YOURSELF

[@user-wq7hw2ow9l]

Old Polish saying - Love everyone, trust no one, and paddle your own canoe.

[@susanbarnes9800]

When you call Dave Ramsey, you know what questions he is going to ask you! Why do these callers say um, um, um, when Dave asks you how much you make, what are your debts.....

[@xJayhawkFANx]

Ignorance is bliss.

[@rebeccaflagler2629]

Why do people think everyone should pay for their life ?

[@pep590]

No telling about that general question. But what do you think about this particular call?

[@chrisstaub5880]

Nobody thinks that, it's just expecting people to keep promises that they made. If you don't want your children to expect you to pay for your college or whatever, don't say that you will.

[@SuperDannyrulez]

Wow thats pretty messed up if you really think about it. Mom said only way im paying for your college is if you go to this crazy expensive one. Funny thing mom is now not wanting to pay for it a couple of payments in. (a few years still counts as a couple of payments in the grand scheme of things) The daughter should've just refused having her mom pay and did it on her own. She'd be in less debt now. I mean thats obvious to us but for people out there in the future dont accept someone else paying your debt because it will never end well. My mom helped me with a few thousand and said i didn't need to pay it back and she constantly brings it up even though i do help her with money. The only way I'd ever get her to not bring it up is if i give it to her all in one payment.

[@bones549]

Yea id pay & forgive. I would say that as you age you you will value precious time with your mom. Mines been gone 30 years i would pay your loan off if it meant I got to hear rer voice again

[@FrancoisDaniels]

Just pay the loan. It set you up for life.

[@mikemcbeth3216]

What if you don't wanna forgive them and move on

[@bryces2898]

Just get tough and pay your loans no excuses

[@johnmartin4641]

That loan was signed under the basis of fraud. That is a legitimate excuse for not paying. The law says so. She only signed the loan because her mother lied and committed fraud. Her mother agreed to pay. That’s the only reason she agreed to sign the loan. She needs to sue her lying, worthless, con artist mother for fraud and breach of a verbal contract. That will take the responsibility away from the caller and force her mother to pay like she agreed to and like any decent parent would.

[@thelogicaldanger]

Dave never asked whose name the loans were in. Likely both the mom and daughter's names are on the loans and they are both responsible for it.

[@Lon1001]

After high school my grandparents offered to pay my college tuition and a monthly allowance if I attended a specific private Christian college... thing is I had applied to and was accepted to several others that had course offerings I was interested in. I discussed it with them and asked if they would still help if I chose a different school, but they didn't offer a dime. They said they talked to their accountant and they would get no tax benefit that way. I love my grandparents deeply and have a good relationship with them, but this soured it pretty badly for me. They tried to convince me it was a gift but it really wasn't.

[@lynettepettitt655]

At least you recognised it. It's can form of manipulation, when there's strings attached, but not always. They're within their rights/boundaries to offer something with conditions. You're within your rights/boundaries to say no. The issue is often we learn these lessons the hard way because we lack life experience.

[@MrRckstdy77]

I feel sorry for her mom because her daughter is so shallow. Just pay your student loan 500 a month. The money will be coming in fine as soon as her husband graduates. Let your mom retire in financial peace.

[@RepentImmediately]

A mother who encouraged her daughter to go to an expensive private school that she's not helping pay for is shallow.

[@cathyosullivan718]

I would work hard and pay it off! I went to a City College but I would have loved the opportunity to attend a beautiful, private college.

[@RepentImmediately]

Many private schools have lower entrance requirements than public schools. Pretty much anyone with decent grades who is willing to go deeply into debt can go to a private school.

[@thomasmorrison3279]

Sounds like Lori Laughlin overpaying to get her daughter into an overpriced school that does not fit.

[@juanl1999]

I don't think this was malice. In reality it's her loans and she needs to pay them. Mom doesn't have the cash for it. Going to college in her mom's day was the road to success. Not so much anymore if you just pick something to pick something.

[@hidingzebrablocks5661]

I'm betting she met her hubby at that school though. She should see the increased cost of that college, opposed to where she wanted to go, as a "finders fee" for meeting her man. Would completely take away any bitterness she holds towards her mum, and towards making the payments herself.

[@jdek88]

If you take on a lot of student loan debt, you should be making at least 75k/yr very quickly. Take the cheapest route you can.

[@jimroscovius]

Pay as you go. That's what we did.

[@Lapetak]

What? You are not supposed to go to your mom. Just be an adult and pay that off. We are supposed to honor our parents, not remind them their parenting mistakes.

[@johnmartin4641]

That’s BS. She only agreed to take these loans on the basis of fraud. Her mother lied, committed fraud, and breached a verbal contract. The caller needs to sue her lying, worthless, con artist mother for fraud and breach of a verbal contract. That will take the responsibility away from the caller and force the mother to pay like she promised and like any decent parent would. A parent’s job is to provide for their children.

[@RepentImmediately]

Ever heard of not vexing the child?

[@cabayern9416]

Wow. Girl IS a spoiled brat. Do not do this to mom. Mom has no money. Can't afford this. Girl is married and they will be making a great income. Spoiled, mean-spirited brat. How dare she do this? This girl is really a narcissist.

[@RepentImmediately]

Why did she promise to pay if she couldn't afford it?

[@weinowei143]

40k is not even that bad vs the 150k the husband rack up that she don't have to do touch.

[@fishingangler4315]

She's married. His debt is their debt.

[@weinowei143]

@@fishingangler4315 pretty sure her mama said/meant she will pay for her education, not her debt.

[@RepentImmediately]

​@@weinowei143if she paid for her education she wouldn't be in debt

[@kenshinhimura2322]

Mom said she’d only pay for a certain school. Since the daughter couldn’t convince her mom that a different college would actually be better. Than no. Mom doesn’t need to pay anything. Also. This caller could have gone to Reddit for the answers.

[@nickdiaz8484]

Just pay your mom. I would give her what I owe and double it just to thank her.

[@RepentImmediately]

Her mom didn't pay for anything. Her mom said she would pay for the loans her daughter took out.

[@lionelhuts875]

The difference in the quality of responses between Dave and Anthony here shows why I am nervous for the future of the Ramsey Show. Anthony's answer to the caller is very surface level. Indeed, he answers the question asked. But Dave's experience shines here, where he goes deeper into the situation and likely made a difference in this woman's relationship with her mother. If Ramsey Solutions were a public company, and I were an investor, I'd be selling my shares seeing DR's impending retirement.

[@philipgerry5228]

Dave is setting up an ever increasing income. He’s hiring people to pick up the ball and run. His people are getting more experience as they work for him. They should make the company more valuable

[@lionelhuts875]

@@philipgerry5228 I understand the plan, but I don't think it's working. The new folks should have enough experience by now to at least be jogging. They've picked up the ball, but I don't see any running in sight.

[@meks194]

I don’t know why she let her mom dictate what college she went to when her mom didn’t even go to college herself....yes she need to confront mom, or negotiate to pay half.

[@djpuplex]

We, me, mine, yours. They are "her" loans not anyone else's. You signed the loans. Poor husband, to marry this boat anchor. What does she do with this degree?

[@johnmartin4641]

The loan agreement was entered into on the basis of fraud. She wanted to go to a cheaper school, but agreed to the loans on the promise that her mom would pay for it. Her mother committed fraud and violated a verbal contract. She needs to sue her worthless con artist mother for fraud and breach of a verbal contract, which will take the responsibility away from her and give it to her mother to pay for like she promised.

[@RepentImmediately]

His debt is three times as much as hers 😂

[@johnfroelich8554]

Doctorate in physical therapy?...Dave: deliver pizzas...

[@joycewright5386]

All physical therapists are now a doctorate program.

[@KS-cl8br]

Yes have them pay. If your parents say they are going to pay have them put the loans in their name before you go to college.