My $212,000 Student Loan Is In Default!

My $212,000 Student Loan Is In Default!
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[@AmoraLili]

This is the downside of law school and medical school routes. Some people never pass the bar, some people cant find a medical residency or don't pass their medical exams. So they are stuck with lawyer and doctor debt , but never get to actually become a doctor or lawyer.

[@bobbyb7672]

Yeah. A guy called Dave with about $400k in loans and he couldn't pass the exam to be a doctor.

[@blackworldtraveler3711]

Aliyyah What’s interesting to me is I’m in the aerospace field and only had a $12k student loan,paid it back in 3 years,and make $20k-$60k more than most lawyers.

[@coconutsfor2963]

I'm a master welder with a high school degree and I just broke into the 6 figures this year .

[@nikki4911]

Yup

[@Neferati1]

@@blackworldtraveler3711 Wow that is so interesting! Lets brag on the internet!

[@AmyLouiseTV]

Even though I’m only 22, I feel like I honestly have a life time of money experiences from learning from these videos! Thanks Dave!!

[@trttfff7096]

Shut up you probably live at home rent free

[@AmyLouiseTV]

Trtt Fff Someone enjoys being an internet troll.. my advice to you maybe find a job?

[@antonwullum1171]

Agreed

[@ShriKaav]

Same boat dude! These are the life skills they don't teach in school.

[@trttfff7096]

I have a career with full benefits but nice try Amy

[@QueenStylin]

Thats why she is so calm. Her MOM co-signed. Her MOM is panicking and scared not her. Wow.

[@cocomarineblu993]

That's not true, there are a lot of people who can maintain a positive attitude even in EXTREME face of adversity. Not everyone cries like a baby on live air?

[@QueenStylin]

She failed it twice and said she cannot figure out how to pay for the one in July. Dog walking won't cover it. She shouldn't be so calm.

[@peekinghills2450]

@@QueenStylin She better install Anki or something and grind those flashcards after work.

[@ethangamer3173]

Being positive is one thing, being REALISTIC is another !

[@Hoffmanpack]

. Mom gambled she deserves her gamble result, either rich daughter she can mooch off of or loose it all. Should have taught her better and not got greedy considering realistic expectations and should have had her do something easier pays less

[@phipsdeus2]

She could become a paralegal, she jus had to take the JD off of her resume and don’t mention it at all until she is ready to go somewhere else.

[@meh4062]

Phips Deus so in short work on her interview/resume skills?

[@ineedhoez]

Amen. I took all my degrees off of my resume, when looking for survival jobs.

[@SoCalFreelance]

AI, machine learning, and big data are replacing paralegals. A job that will go the way of switchboard operators and video rental stores.

[@gr8macaw1]

Yes and when the interviewer asks her where she went to school for her paralegal studies what will she tell them?

[@luciusseneca2715]

Law firms DO NOT HIRE JD's for Paralegal positions very often.

[@me_not_me]

"What are they going to do, take one of the dogs you're walking?"🤣😆🤦🏾‍♀️

[@abdibulle3320]

😂😂😂😂

[@Ant0417]

It must be incredibly stressful trying to prepare for the bar exam while dealing with debt and creditors, knowing that your livelihood and your ability to pay them back depends on passing this test that you've already failed twice.

[@davecopp9356]

Stressful for the mom who could loose everything.

[@sagepirotess6312]

She has no priorities. She laughed at not passing bar. She had no money for Feb test. Dave didn't even ask her how she will have money in July. Chances are she never passes and has debt for a long time.

[@forbin1185]

And Dave takes it easy on females

[@ariefraiser140]

So someone who made it through undergrad, law school, has 2 jobs and is looking for a third has no priorities because YOU believe she laughed at not passing the bar? Jesus. Some of you people.

[@LTJuni0r]

Nervous laughter more than likely.

[@forbin1185]

Arie Fraiser I’ve seen a lot of morons graduate college, listen, read, repeat! College Degree!!!

[@ericson0504]

Okay, July is come and gone, I'm dying to know if she passed the bar on her third try!!!

[@TheEntrepreneurChannel]

Wow that’s a ton of money. I’d be so stressed!

[@Mr_Magoo_]

Reality check for many people, just because you can get into college or get a loan, that doesn't mean you should.

[@jimziemer474]

Mr Magoo No guarantee of a job. Especially that of an attorney.

[@polisigh216]

This makes me sad. Girl I went to law school and did not want to be a lawyer and I never took the bar. I am now a Director at a state agency. You can do it.

[@kiaharper7172]

Did you have debt? Or free ride?

[@yoleeisbored]

Are you in debt?

[@RJRussoVids]

Passing the bar exam doesn't necessarily solve anything in this case. She still has to get a job as a practicing attorney and it has to be one that pays well. For her mom's sake I hope that happens! Either way, yet another student loan cautionary tale.

[@ca8824]

So true. Dave is behind the times on this matter. If you can become a Dr you still have great prospects, but the legal job market has changed. If you went to an elite law school youll likely get good oppurtunities but if not, the industry is not what it used to be.

[@shachede6828]

it starts by passing the bar and looking for a job

[@Mactastic25]

if you have debt you can be bought and bribed. Especially if you are a lawyer. That's why they check your credit.

[@PInk77W1]

Mac good point

[@kiaharper7172]

Huh...never thought of that

[@elreytriton]

yes. anti terrorism training says that people with high debts are red flags. especially in positions where they could sell the private information

[@TimeisUp22]

I seriously can’t wrap my head around the way America works. You telling me she went to school, was qualified for the job, and they told her NO because she went to school⁉️🤦🏾‍♀️🤦🏾‍♀️WHAT??????

[@gr8macaw1]

Kerena Only The USA welcome to the land of criminals and imbeciles

[@TimeisUp22]

Sir We Are About to Die She wasn’t talking about passing the bar. She said she applied for a government job. They told her she got the job but when they ran her credit she was in default on her “school loans” so they declined the offer. Basically she owes the government money and they not going to allow her to work for them because she owe them. If they would have gave her the job she could have paid off the loans, that they are complaining about.

[@TimeisUp22]

Maggie H it’s literally a hamster wheel

[@smike9884]

@@TimeisUp22 It's FIGURATIVELY a hamster wheel.

[@Ghostbustingjedi]

I hope she calls back to do a debt-free scream.

[@mariefernandeaugustin1392]

Plenty of people have student loans and work in govt, even high clearance. It’s the fact that she is in default that is the issue.

[@rjohnhacker]

“Bass ackwards” that was good lol I’m gonna use that one

[@CharlesDeWayneold]

At first I was like "Did Dave just use profanity?"....then I lol'd

[@lyzziez]

Have you people never heard anyone say “bass-ackwards” before this???

[@ErkFX]

Haha I thought that’s what he said! 😂

[@booya6437]

Sigur 8 No

[@illegalalien6542]

@@lyzziez IKR

[@JoeGarofaloII]

What can they do, take one if the dogs you're walking?" 🤣🤣🤣

[@Ayl-bw1iq]

Between myself and my husband we have $135K in student loans. Unfortunately, we fell for the trick! BUT thanks to Dave we are paying them off and becoming DEBT-FREE!! Thank you for everything Dave!💛

[@spaceinmusic]

The Faithful Gazelle you got this 💯🔥

[@brittanyb7568]

Many licensing entities will not allow you to become licensed if you have defaulted on student loans

[@SilvioManfredDante85]

So glad I've never had to take out student loans. 😏👌

[@blackworldtraveler3711]

SilvioManfredDante85 It’s really not a big deal. It’s a financial tool like credit/debit cards. Just don’t be lazy . Read the loan documents and do the math, think seriously about your career choice, and make a decision. I took out a $12k student loan and paid it back in 3 years because I figured out what I could afford. I’m in aerospace and make $20k-$60k more than most lawyers with better benefits.

[@SilvioManfredDante85]

@@blackworldtraveler3711 I got my CDL years ago and now make over $100,000 a year in the Texas Oil Fields. My best friend back in Tennessee is also a truck driver, and he makes about $60,000 a year. His wife is a registered nurse who still has over $50,000 in student loan debt and even after she pays all of that off, she still won't make more than he does trucking.

[@kevinm8865]

@@blackworldtraveler3711 Congrats man. I'm a guy w student loan debt and dont make as much as you. My wife is in same position. You and your friend are success stories. There are many out there like you that aren't as successful.

[@nazrawaheed1054]

P

[@romeostarlite21]

Did you pay for college or mommy and daddy? 😆

[@GL-er5ih]

I have a bachelors in accounting and I’m debt free. Stories like this make me wonder is grad school/professional school worth it ?

[@cripplermaximus]

Only if it is cheap or free, thru scholarships, fellowships, and jobs. I took loans for my Master's but I luckily got a good job to take care of it -- NOT ideal though. I would do it differently with the financial knowledge I have now.

[@tyrese6994]

Don’t get it until you get experience and your job requires it for higher position

[@theconservativeliberal6967]

Some professions require it. You can’t be a vet, dentist, psychologist, or doctor without grad school. For everything else, I think that’s a valid question.

[@forbin1185]

Go work at a corporation, chances are all You’d need is a masters to be a CFO one day but that depends on the market ur in and how ambitious you r. Yet My other uncle retired from Microsoft at 50 YO and only had an associate degree... depends on the regional market u work in! Just wait for the economy to collapse in the next few years. I hope your able to be mobile

[@GL-er5ih]

The Conservative Liberal yeah for me I’m in my late 20s....I’m like if I get to salary ceiling that’s fine because I can use being debt free to fund other goals and ideas to create a second income .

[@tmusa2002]

This poor girl. Say a prayer for her to pass the bar. 🙏 Good vibes to you!

[@jvolstad]

Co-signing a student loan. Ouch. Why do people do that?

[@PInk77W1]

jvolstad so they can wish they didn’t

[@harrisonwintergreen1147]

parents who want second-hand prestige for their kids' successes

[@landgsmith]

I’m $212k debt with the caveat of “but it’s my only debt”

[@lilyann168]

Right, lol.

[@nealp885]

It is beneficial to have good credit. Dave can’t admit it

[@lilyann168]

Yep. A good friend of mine was really struggling financially some years ago. She applied to get a job as a teller at a bank in her town, and they really liked her, offered her the job, but then had to retract the offer when they checked her credit. It was such a huge blow to her as that job would have really helped her family. I'll never forget that.

[@texanboiii562]

Neal P of course but the idea is to NOT get in debt which is why he refrains from such nonsense. Good credit gives you opportunity to take out loans but his advise is to get out of debt. Are you putting two and two together? 🤔

[@chrisstaub5880]

If you mean, having good credit as opposed to bad credit, then Dave would certainly agree. He has said plenty of times before that you either should maintain a high credit score, or have no credit at all, with the latter obviously being preferable for him.

[@ahastar1141]

With a JD degree, she could look at IT sourcing manager positions. IT sourcing is usually looking for people with JDs to negotiate large systems contracts

[@TheDjcarter1966]

Contracting job is actually a pretty good idea

[@psycicmindpowers]

Slavery never went away.... people just started volunteering.

[@parkerread154]

psycicmindpowers If you want to make some extra cash text “hello” to 1 [phone] for more info.

[@blackworldtraveler3711]

psycicmindpowers It’s not slavery. Learn your history.

[@blackworldtraveler3711]

Andres Cruz I know. It just bothers me how some people throw that word around.

[@tanyabc]

Debt is not slavery. Slavery is slavery and it still exists around the world.

[@BTrain-is8ch]

@@blackworldtraveler3711 Comparing debt to slavery is completely and utterly lacking in perspective. The funny thing is that I'd wager that it's primarily people from relatively well off households that do it. People that are used to not having a financial care in the world because mommy and daddy take care of everything get out into the real world with real obligations and suddenly "slavery". Gimmie a break.

[@taiiib2252]

Lord I am super stressed for her omg 😳

[@FreeAgent797]

Why in the world would a job check your credit????? I dont understand that all. What in the world does someone's credit have to do with their skills in the workplace??? This is baffling to me.

[@x-ra3849]

it's the federal government. Most federal jobs require you to be paying or have paid off your student loans.

[@zarlet1]

One of my jobs checked my credit not federal as a mental health worker.

[@roycebeatz3401]

I'm glad Dave finally got his control board with his mute button set into the desk instead of sitting on top. Looks a lot cleaner!

[@integralx1988]

Hard to enter legal market after 2 years out of law school and multiple failed exams.

[@kaybell1012]

I am a practical person and thinks that she should take ANY job just to get an income. For example work at a large corporation in the "legal" type area just to get some sort of income. Or use her other degree to get some money coming in, such as a school counselor. This is why I did not want my children to put any of their loans in my name, I have enough debt of my own. God Bless this lady.

[@krassimirpetrov7131]

I have a lot of lawyers as clients and many don’t even make over 100k 😂 still a small shovel to get out of 212k (after tax take home pay which Dave still refuses to recognize )

[@donnanjessie4127]

Krassimir Petrov Had been in debts until I met Tony .. Tony paid off my car loan and my credit card bill in few minutes. Contact Tony on [phone])

[@JeBeDee1818]

Right? My company’s corporate counsel lawyers make $50k in an expensive housing market. They’re drowning in their student loans.

[@mattp1463]

Dave has a problem recognizing after tax salary. He quotes repaying debt with before tax salary. lol And be careful with the Investor Pros, they are all heavy on the sales, and one told me he doesn't agree with Dave on some things.

[@earningattorney9887]

Failed the bar twice.

[@PInk77W1]

Earning Attorney JFK jr did so also

[@remysonders406]

@@PInk77W1 True that

[@brianliberante]

Still two times less than the former mayor of Los Angeles.

[@PInk77W1]

Mr. Interesting which former mayor of LA, there is many ? Vilagarosa ?

[@jimziemer474]

So what? The problem is not the Bar exam; the problem is finding a good job in law.

[@smittyboy]

Government jobs check credit even if you’re already an employee trying to promote.

[@Ashas.Garden]

smittyboy007 good to know.

[@SVSky]

Can't even join the military with bad credit because it makes you a security risk.

[@harrisonwintergreen1147]

no wonder the government is so messed up.

[@SubTranslationJack]

smittyboy007 government employee here. Credit was not checked and never has been/never will be.

[@smittyboy]

Jack Elliott Vermeer I’m a civilian employee for an LA police dept, and they definitely do. They check for collections and frequent moves in a short period of time. Been here for 17+ years.

[@strong507]

this is why people shouldn't go to law school unless they go to an excellent law school (top 50) and have some financial support and or really good plan. DO NOT take out private loans for school. EVER. Also do not go to law school if you're not going to be able to pass the bar, and or move to a state that has an easier bar exam.

[@Sexy40baby1]

See folks, jobs do check credit

[@DisabilityExams]

She needs to be studying for the bar exam every free second, and half the night.

[@MRHIPHOPVEGAN]

JDave Foster I know a girl who was first in her class !! Took the bar about 3 times still cant pass so she quit and not going to take it again 🤦‍♂️

[@DisabilityExams]

@@MRHIPHOPVEGAN Bet she didn't study every free second and half the night.

[@LadyK007]

MR HIPHOP VEGAN that sucks. She should take it again 🤷🏾‍♀️

[@SuperSilverJay]

MR HIPHOP VEGAN dang. Why is the test so hard? That is crazy.

[@stellawil]

She needs to get help with a study program and review.

[@ramonuy5567]

Loan and can't pay , is a terrible thing .

[@aletheakelly1010]

FYI, "getting a good law job" isn't easy w poor credit. Character and fitness committees frequently bar applicants to the practice of law if there is substantial debt. Again, here, the rationale is an atty may have insentive to steal client monies if he or she is in debt.

[@sunshinelawfan7693]

There are good service jobs available everywhere. Get a server or bartend gig at a nice steakhouse or upscale datenight place. You'll work hard for five hours or so and take some bank home. Wake up fresh and study till your dinner shift. Leave Rover to someone else... 🐶

[@CarnivoreStork]

SunshineLaw Fan Good advice!

[@mle011]

This is difficult to do unless you have prior waitressing experience. An upscale restaurant or bar is going to want waitresses with experience - she’d have to start somewhere lower (like an iHOP) if she doesn’t have any waitressing experience.

[@sunshinelawfan7693]

@@mle011 - these are fair points. No dinner-house will (willingly) send a random newbie server out onto the floor to sell $75 prime rib or line-caught fish, with sides priced separately. And a big wine list to master (or at least be familiar with) .....etc. Yes, you are right about that. But in this tight job market, there's a shot at better job than fast food or delivering pizza. A friend needed a gig job with decent pay and short evening or weekend hours. She wound up at a upscale seafood buffet place, in a four-star theme park hotel. She brings cocktails, ice water, and coffee when they get their own dessert - and the bill. That's it. Busboys set the tables, clear dirty plates and refresh the tables when guests go up for each course. Diners get their own chowder or shrimp cocktail, salad, main courses and even dessert. It's a gold mine. Most people tip as they do in a typical restaurant setting, where the server describes all the dishes, heeds special requests/allergies, takes orders, suggests wine pairings, and hauls everything out on trays and so on. Granted that is a fluke - how many jobs like that are there, really. Not many. Would that there were....

[@GailBecker-MSED-CM-Author]

Trust me, there are employers who do check potential employees' credit before hiring them.

[@GailBecker-MSED-CM-Author]

@Darren Krock if you don't get it, I can't help you. Perhaps you should go back and pay attention to the video. My comment was directed to the person who said it in the video, not to you or anyone in the comment section.

[@chrisstaub5880]

@Darren Krock If you're behind on your bills, there's a better chance that you might be desperate for money and more susceptible to bribery or blackmail. This means that someone with large amounts of debt or bills in collections is a potentially higher risk, especially in any jobs with access to sensitive data that you might be tempted to sell to get creditors off your back.

[@tumalditamadresita]

!!DO NOT CO-SIGN YOUR KIDS LOANS !!

[@Sexy40baby1]

OKAY!!😁

[@natashaofnarnia]

“Bass ackwards“ ?! 🤣🤣🤣

[@MsPants1632]

She lost a bit of credibility when she said she missed the one test because “tests cost money”. I mean if you are knowing that is your only way out, how did she not do whatever it takes to make that test? Am I missing something here?

[@vanessahanible3464]

Ms. Pants the yes if I have to chose between rent and a test I’m keeping my housing

[@elmateo77]

@@vanessahanible3464 If the test is the difference between making $100k a year and flipping whoppers for the rest of my life I'd sleep in a car if necessary to get it done...

[@kurticeberg4566]

@@elmateo77 yeah, like the Pursuit of Happiness main character

[@SoCalFreelance]

The interest on that massive debt keeps growing and growing 📈 Such a stressful burden eventually effects physical health. 🤒

[@nychris2258]

A dog walker with a law degree and 212,000 in debt... how do people let themselves get into this sort of mess?

[@bobsworldentertainmentpodc640]

Never dull on here

[@Attywab]

I experienced living in that employment "no-mans land" for several years after I graduated from law school until I finally passed the bar. Employers are reluctant to hire you since you are neither a student nor an attorney. She is right as far as attempting to get a paralegal position. A law firm assumes that your goal is to become an attorney, and, you will leave such a paralegal position once you are admitted to the bar. I wish her well.

[@luciusseneca2715]

Dave is a smart guy, but when law school grads call in my blood pressure spikes in concert with his Clueless Boomer Syndrome acting up. Law is a devastated job market, and nobody who's failed the bar twice is going to get a 100k a year job, even after finally passing it.

[@rreagan007]

Yeah he has this false notion that everyone with a law degree makes 100k+ a year when the reality is that over half the people in the U.S. with a law degree aren't even practicing law, because there isn't enough money in doing it.

[@harrisonwintergreen1147]

she can earn $1500 month working evenings making tuba deliveries.

[@drewkroeker]

Haha, I love the memes on this channel

[@alexandria2706]

'Take one of the dogs you walk?' Im deaddd

[@abstractlycalculated]

😂

[@ArielTirado]

I don’t understand and never will why people take out loans 😭😭 I graduated high school and saw many people go straight into college many failed and had to retake but take more loans.. they once told me I don’t regret it the college experience is amazing and the people you meet can’t replace the experience. I work as a plumber helper and make more than $680+ week 5 days a week & have potential for more pay if I keep learning. I want a nice car so bad but I rather just buy something cheap and keep saving my money and investing it

[@donnanjessie4127]

Ariel T Had been in debts until I met Tony .. Tony paid off my car loan and my credit card bill in few minutes. Contact Tony on [phone])

[@liz5473]

There’s not a lot of people who can pay for medical school or law school out of pocket..

[@davidjimenez7719]

What are they going to do, come take one of the dogs your walking. 😂😂😂😂😂savage Dave

[@kayseacamp]

A lot of people don’t realize that employers review your credit. I’m an insurance agent and I would not be able to get my license if I had a bankruptcy (under most cases) or finical related crimes. Luckily I had a clean record and good credit. But yea. It’s not unusual.

[@rebal1681]

I think what she was looking for was advice on how to deal with the collections agency. She didn't get any.

[@jamesmyers6739]

My job checked my credit too lol

[@user-og4zv3zo8w]

In most states, your house if protected from. Private loan bankruptcy

[@FortuneSeek3rz]

Are legal firms more hesitant to hire applicants that have failed the bar ?

[@eurekahope5310]

Universities need to be on the hook for loans. If they choose students based on endowments or demographics rather than raw talent, they should be partially responsible when their picks cannot repay the debt.

[@GR-uc1gq]

I hope this doesn't happen to me for my nurse anesthesia school.

[@KS-kr4ok]

most jobs today check applicant's credit. Underwriters view bad credit as a sign that the person is emotionally immature and may be prone to bad decision making. Their file will note them as a potential moral hazard.

[@pinkpanda5696]

What kind of job is she applying for that checks credit? I'm not sure why you asked that. Here in Florida, basically every job checks credit. It's rare if they don't and that goes down to even the most basic job.

[@jimziemer474]

Pink Panda Sometimes I think Dave doesn’t understand that. It’s been to long since he’s worked for someone else. My employer pulls my credit ever 6 months.

[@gr8macaw1]

Jim Ziemer: It probably has something to do with responsibility. If a person cant keep their financial house in order maybe they will not be a good employee. I would not employ somebody with a FICO of 600 and $212,000 in debt

[@fef619]

Good luck getting a decent paying job with only a JD. You rly need to pass the bar. I am an attorney and just started my own firm after 5 years of practice. I enjoy the freedom. Maybe once she passes the bar she can open her own firm and make it rain. It could happen.

[@meaganhjorth2691]

Awesome video!!!

[@parkerread154]

Meagan Hjorth If you want to make some extra cash text “hello” to 1 [phone] for more info.

[@edward2364]

Parker Read Scammer

[@parkerread154]

Эдвин Перес says the guy with the Arabic name, have i ever yet scammed you buddy? Firstly I don’t even know who you are. Stop hindering people from getting information on something before you start accusing someone off being a scammer, you ignorant fool.

[@mriphone1000]

Walking dogs?? Move to Vegas and get a sugar daddy.

[@yayyareaa2997]

Yikes. 6 isn’t her number 🤦‍♂️

[@GailBecker-MSED-CM-Author]

Dave, tell your law school caller she could teach school with her Psychology degree. I also went to law school, but I chose not to be a lawyer. Moreover, like she, I also have a degree in Psychology. A Psychology degree is much more valuable in the work force than a law degree without passing the Bar. I became an interim teacher first just to see whether or not I wanted to teach. Then my principal pleaded with me to stay and become certified. That is how I discovered that I could become an alternative teacher because I had a Psychology degree. So, I was granted a three year teaching certification. With that certification, I worked three positions as a teacher. (1) I worked from 6:00 a.m. to 1:30 p.m. during the day teaching high school. (2) I worked from 6:00 p.m. to 10:00 p.m. in the evenings teaching adult education. (3) l taught hospital/homebound during the summers. Addionally, because teachers get all of the holidays and weekends off, as well as planning days, I was able to accept gigs as a freelance actress (plays/theater/film festival), dancer, director, producer, singer, and writer on the side. That, and house sitting for an Army Captain, is how I paid off my undergraduate student loans. Teaching will give your law school caller time to study for the Bar, especially if she teaches Social Sciences as did I. Many of the Social Sciences subjects will reinforce information she needs to pass the Bar exam. Of course, she would have to consider teaching at a school that offers Advance Placement, Dual Enrollment, International Baccalaureate, and/or Honors courses. She could also work as an interim teacher which would give her even more time off to practice for the Bar. Interim teachers are not obligated to work every day nor do they have to sign a contract or be certified, and they are paid the same as a first year full-time teacher. The only difference is that they do not get any benefits.

[@justin323032]

Are you able to pay that debt off as a teacher? Why go to law school to do that?

[@GailBecker-MSED-CM-Author]

@@justin323032 firstly, my comment was specifically addressed to the host (Dave) and his caller who finished law school and was trying to pay for her student loans while she studied for the Bar. Secondly, you obviously did not read my comment in its entirety nor did you pay attention to Dave's questions to his law school caller. Third, yes, I did pay off my student loan as a teacher, but I worked in several different educational departments as well as worked other gigs on the side. Dave, asked her about her undergraduate degree which she responded was in Psychology. Because my undergraduate degree was in Psychology as well, I offered to share how I used it and my law school education to earn enough money to pay my bills. Fourth, I did not say I went to law school to pay off my student loans, I had already gone to law school before I returned to teaching. That was relevant information in that we, the law school caller and I, were in similar situations. I got my start as a teacher many years prior to going to law school, when I was much younger. After I decided I did not want to be a lawyer I was advised to take the state's Supreme Court Mediation program which would certify me as a paid mediator. I took that advice and relocated to another region to work for the government. However, for similar reasons I chose not to become a lawyer, I left my government job as well and returned home. I knew that if any job did not work out, I could always return to teaching or start my own charter school. Moreover, if one has the right credentials, teaching is a safety net that could help one pay the bills. I reiterate that my Psychology degree got me an interim teaching job, immediately, then a three year teaching certificate. However, because of my law school education, l was recruited by the principal of an Advanced Placement and International Baccalaureate school to teach courses such as Comparative Politics, United States Government, Economics Honors and other pertinent courses (on the college level) that also have basic information found on the Bar exam. These types of schools are where the children of ambassadors, the clergy, diplomats, lawyers, judges, politicians, etc. attend as well as students who aspire to work in the aforementioned fields. In addition to the law school caller walking dogs, she could try any one, two, or all three of the teaching jobs I did in deference to paying her bills. Of course, that is contingent upon where she resides and whether those positions are available in her state. Nevertheless, my point is, there is a plethora of creative ways to legally make money, it just takes keeping up with a full schedule. As the law school caller stated, she walked dogs, and I house sat for a retired Military Captain who still worked for the Military. His assignments required him to travel the world, mostly from months to a year at a time, he did not want his house empty for that long. Thusly, he paid me to stay in his home during the times he was traveling on long-term duties. Did that clear up any ambiguities?

[@justin323032]

@@GailBecker-MSED-CM-Author you're right, I didn't read all of your first post and certainly not your second. No offense intended, I was just wondering why someone would go to law school and then teach instead. The caller seemed a bit naive in that she didn't pay more to sit for the bar in February because she didn't have enough money. I'm guessing she would make more as an attorney from March to July then walking dogs so she seemed like she didn't have her priorities straight, and Dave called her out for that. Glad you got yours paid off though!

[@GailBecker-MSED-CM-Author]

@@justin323032 😃 It is a lot to read. 😄 Thank you, and yes, I was so happy when I finally hit "0 balance." However, I think the caller said she failed the first Bar exam and was studying to take it again. Meanwhile, she will have to pay for that exam again which is very expensive and pay for her student loans too. To abridge my first two comments, it was mainly to share how I paid off my student loans and hopefully, it would help her. Nevertheless, I remember reading something about celebrities partnering with a scholarship foundation to help pay off student loans. I am trying to find it so I can post the link here for her and anyone else who needs help paying off his or her student loans. I just feel compelled to help others get out of this debt.

[@mellel5594]

Parents, do not co-sign for your children, ever. People, do not co-sign for anyone. This video is one of the reasons why.

[@chrismorgan5252]

What's even more sad is that she goes more in debt every time she fails the exam. Not only is she an extra credit student. She pays how much to fail her exam 6 or $700

[@prepordietryin9119]

What a mess

[@ironsteal]

NEVER EVER EVER EVER CO SIGN

[@juliennetully4814]

Ironsteal Fightin'man!-_-Farted why not?

[@ironsteal]

It benefits the giver of the loan and you having some one with you on the loan means they owe if you can't pay

[@janicewright4007]

When I worked at Victoria secret they checked my credit as part of the application process

[@emilygrace1960]

Good heavens. Suddenly, I feel better about mine... Yikes.

[@aolvaar8792]

National Agency Check with Local Agency and Credit Checks ( NACLC ), Debt can prevent getting a job. Your more open to Bribes and corruption.

[@elonmusk8667]

She didn’t pass again.

[@taemac10]

Feel bad for her mom if they take here house. Crazy!!!

[@elmateo77]

I don't think I'd want this girl representing me in court...

[@nehemiahstewart]

Never...EVER Cosign!!!!!

[@Jay-pf2cn]

See....your credit is important folks. Dont shoot yourself in the foot by not taking easy step to keep your credit in order.

[@ErrorPagenotFound-ig1cy]

Jay “but dave wamsey said cwedit score isn’t important” Yes it is. Some jobs paying mad money require you to have a great and steady credit score.

[@Jay-pf2cn]

@@ErrorPagenotFound-ig1cy He actually said anyone that requires a good credit score isn't worth working for. Easy to say when you're a rich talk show host.

[@PInk77W1]

As long as u save and don’t borrow Good credit score becomes less important. If I have tons of money in savings and never borrow money and apply for some job that requires a hi credit score, I’m pretty sure they Will see I’m a good candidate.

[@Jay-pf2cn]

@@PInk77W1 Actually that's not true. No credit score is just as bad as a bad credit score.

[@PInk77W1]

Jay Dave says all the time he has no credit score and he has 100s of million$. I guess bad is subjective

[@shachede6828]

got to pass that exam! by all means!

[@sinamen516]

Violation of public trust?? I never heard that, my gubment job could've cared less. Maybe because her loans are private 🤔

[@luisriba8082]

Why jobs are checking credit ? that's pure evil.

[@EricSmyth2Christ]

Leave borrowing money aloan!

[@a.miller8316]

So... Why isn't she living with mom and making loan payments? You don't need to wait to pass the bar to work at Target and make a $400 loan payment every month. Why is he treating her different than any other caller?

[@David-wo9un]

How many chances do you get to pass the exam? What does she do if she fails for a third time?

[@dontundra2259]

David B. In the state of Washington there is no limit. So try and try again!

[@PInk77W1]

JFK jr failed a number of times. Not sure how many

[@brokebrothers1848]

She has gotta pass the bar... focus all of your attention on the bar it’s her obligation to herself mom and future family

[@MrPoole]

That part when Dave said “aww Jesus” was too funny! 😂😂😂😂

[@rolandoflores2806]

Can she just declare bankruptcy on private student loans ?

[@thatssjess9533]

Shes been out of school too long. Shes going to need to take a refresher or master class. Some even guarentee that you will pass the exam, but they sometimes cost over $1000. She cant donate plasma, work at walmart, drive for uber?

[@jyhluk]

did she pass yet

[@IkaikaArnado]

Well it sounds like she should become an expat...

[@capnskiddies]

But then her ma's house gets sold.

[@IkaikaArnado]

@Gim Paul I mostly meant she should defect to dodge her loans, but yeah, I guess she could teach English overseas as well.

[@IkaikaArnado]

@Gim Paul expat life seems awesome...

[@lawrencejacobs2236]

I just signed up for loan rehabilitation it takes 9 months. What should I do after it to get it removed ( my school shutdown ITT tech ) obviously I'm not in the field I went to college for lol

[@refahussain]

Lawrence Jacobs I went to itt as well and boy do I regret it. Paying the loans makes me paid because the degree is useless kinda. But almost done paying and one thing I know now is never to let my kids go thru the student loans process

[@lawrencejacobs2236]

@@refahussain yea I graduated with a 3.5 couldn't find a career so now I'm a truck driver lol

[@franklinhunt-gonzalez5249]

Ouch. Get a high LSAT and get the law school to offer you full tuition. The resources are out there.

[@franklinhunt-gonzalez5249]

@Sir We Are About to Die I know. I was posting this in case others that were interested in law school saw it. Her story is a good reason to not rush into law school. Plenty of students that do poorly on the LSAT get offered admission to schools with little to no scholarship aid, or conditional offers they lose after the 1st year which leave them in this condition. Always look into a schools bar passage rate before accepting and how many students lose or have their scholarships reduced. NOT all law school admission offers are worth taking. Id argue most arent.

[@hgh5762]

Umm go wait tables 5 days a week.. my god

[@kevinkidneyy]

Lets call dave and make magic happen

[@TopShot501st]

Maybe he can pass the Bar for her...? 🤣

[@nakeshiasdent]

Lots of jobs check your credit, not just the federal government. Dave sometimes has to realize that having good credit is important regardless of his point of view about it. He should be preaching that information to listeners as well. She should not be walking dogs with a law degree. She may not pass the bar so she needs to come up with another plan than passing the bar.

[@chrisstaub5880]

Dave does recognize that having a poor credit history/score can have negative effects, but that is not the same as no credit history at all. You don't need to maintain your credit score just for employment, employers only check your credit history for negative items such as bills in collections, bankruptcy, foreclosure, etc.

[@pthemac1741]

Your better off not going to school if your gonna have a loan 💯

[@iwillsurvive1335]

LIES! Some people don't have a choice. Stop spreading false information

[@pthemac1741]

IWillSurvive you get the same education at your local community college facts .

[@iwillsurvive1335]

@@pthemac1741 a community college gets you a. Associates degree. Your earning potential can increase substantially with a bachelor's degree. That's where most people incur debt. Some people can't pay for college out of pocket fyi.

[@avuci]

Guess we are gonna run out of doctors and surgeons soon then

[@iwillsurvive1335]

@@avuci lol, we can't have that at all 😂😂

[@edgehodl4832]

If she doesnt owe anything but her mom does, why she cant get a job? This caller is lying