The Dream Of Forgiveness Is Dead!

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[@bigcahuna42366]

I can't believe callers are still bringing this topic up for discussion. The Supreme Court has already spoken.

[@tduck828]

People are stupid.

[@mmouseav8r402]

Well, Biden has low poll numbers and he’s up for reelection.

[@rayquancaldwell2548]

He’s talking about under Biden’s repayment plan if you have $12,000 or less in student debt then it’ll be forgiven come next spring/summer

[@dutchray8880]

That caller has never listened to the show.

[@chrisoresick4348]

They're still getting calls about it because 4 hours after that decision dropped Biden announced he was going a different route to get forgiveness through using a regulatory process in the Higher Education Act of 1965. It's a longer process and it likely won't be as broad as the first attempt, but it also eliminates one of the key arguments that brought it to the Supreme Court in the first place.

[@marksorrendino805]

I kept the money set aside like this caller did and when the writing was on the wall that the student loans would NOT be forgiven. I paid it off. Now I have peace of mind.

[@superman9772]

a lot of becoming independent, successful and wealthy comes from "doing the right thing". being honest about facts and being true to your word. dave and the crew say that over and over ... greed and scheming makes you weak, poor and dependent ...

[@jmorris023]

Nope, working hard is not the way to get ahead. Cheating and lying is how most folks get there. Ramsey himself isn't known for being on the up-and-up, most of his schtick is half-truths or contradictions.

[@KittyKat-vb1nd]

Exactly. You borrow you owe

[@LittleMopeHead]

@@jmorris023 So cheat and lie through life. Got it.

[@roathripper]

and they say 'wealth is built on a crime'.

[@neuralismgamingtv4511]

But the greedy schemers have so much to say and say and say about the love they have and how much they deserve and how much they deserve from all the people they hurt that they claim to care about.

[@elainetrail7217]

Excellent social reminder on ethical responsibility

[@Codscoldthunder]

I love Jade’s energy. So relatable and a breath of fresh air in the Dave Ramsey personalities.

[@johnmitchell8925]

You must be her mother

[@MikeyPaper]

​@@johnmitchell8925i doubt it. The picture she has looks like a young gopher if Im being honest

[@aidantech]

I was degraded by my family for not going to college. I ended up building my own career path exactly as anticipated as a self taught software engineer. Don’t put your mistake of taking out too much money on me.

[@tduck828]

Amen. Congrats on forging your own path!

[@deidrafashaw]

Well done! i feel i wasted thousands going to college bc thats what i was told to do in order to be successful. folks i graduated hs with that decided to enter the workforce right away or simply explore other options are better off bc they had the opportunity to wait and decide instead of just taking out a bunch of loans..just my opinion

[@dungeonmaster6292]

The banks made the loans. Let them eat it

[@conman823]

Thank you!! I don't give a FK that these people signed for these debts and are now LOSERS who cannot find good work and want ME to pay their debts.

[@kbanghart]

​@@dungeonmaster6292and then the government will bail them out, and then taxpayers will pay.

[@wahinepaddler4]

I think its wild that people werent repaying the loan when it was 0%.. And if this guy thinks he will regret not investing his 12k instead of paying the loan off.. he doesnt have his savings invested right now either..

[@nugsin4]

I think it's wild that someone would put money down on a 0% return

[@blackworldtraveler3711]

Yeah he should have been saving/investing in early teens like myself taking advantage of reinvesting dividends/interest and compounding instead of being broke and in debt trying to be a financial genius now.

[@JDawgstwothousand]

@@nugsin4it’s only a 0% return if you invest with a 2 year time horizon. Otherwise, paying on it for 0% is reducing the reverse compounding to a likely 7%.

[@kbanghart]

​@@nugsin4I think it's wild that conservatives assume that student loans are not being forgiven. You can literally research it.

[@YoPhocFays]

Yeah, we would be happy for you to offload your student loans to taxpayers while you take that money and invest so you can get wealthy. What a great guy..

[@patriotdrone9566]

Paid off 30k during the pause in 2021. The government sent me the entire amount back in a check and cancelled my debt due to my IDR 20 years was up in 2018 and they never canceled it back then. It was like hitting the lottery. LOL

[@JK-nq1dl]

That was your good karma. You can enjoy that windfall in good conscience knowing you tried to do the right thing,

[@zack1610]

good for you! It's about time hard working people like us have their ship come in once in a while

[@Sevkingblade]

Just pay it off dude. It will be so much better for you

[@rayb6852]

These people had no interest on student loans for 3 years. They should've attacked the principle on the loans. Now interest is back and the loans will be difficult to pay off.

[@mmouseav8r402]

I have loans, and knew that they wouldn’t be forgiven. I made a big dent in mine, so now I’m going to throw everything I have to get them paid off.

[@pep590]

Jim Crow Joe's empty promise was too tempting for many. Pay for play.

[@Tashas_Travels]

Pay what you owe. It’s that simple

[@DBS472]

100% agree with the point that the forgiveness promise was a scam and I paid mine off a couple months before payments restarted. Really hate the “why do taxpayers have to pay your bill” angle they keep harping on about. I’d love to see the check they write to the IRS yearly sending back their Child Tax Credit. If they do fair enough, otherwise why are singles paying for your kids if you’re so morally superior?

[@kleindropper]

Student loans are already tax deductible

[@DBS472]

@@kleindropper tax deductible not a tax credit. Major difference, even worse if they accept a credit and not just a deduction

[@SpoonHurler]

*"I got blessed with not having to pay half my schooling but how do I wait for someone to pay for the other half?"* This is one of the most entitled mindsets that no one calls out. I wish I only had to pay 12k for school, count your blessings.

[@tduck828]

Exactly. I'm so thankful pretty much all of mine was scholarship based. Only paid my last semester. And shocker I actually paid it in cash with money I saved...

[@kbanghart]

​@@tduck828I paid mine with a home equity line of credit, and then my house was foreclosed, and I didn't pay on either loan.

[@Mavryck_Tha_Myghty]

Has this guy been living under a rock? Clearly he has never watched the show, and he somehow believes “forgiveness” is still on the table?

[@ronaldlindeman6136]

But if people watched the show, all the questions are already answered. So nobody will have to watch new shows, so where are the people coming from to ask these, what are to them, new questions?

[@blackworldtraveler3711]

@@ronaldlindeman6136 From people who don’t watch the show.

[@mikenelson8377]

Right? The Senate already rejected Biden’s proposal months ago. 🤦🏼‍♂️

[@ronaldlindeman6136]

@@blackworldtraveler3711 From people who call into shows, but don't watch the shows. Got it.

[@jasonleatherwood2172]

Its still on the table but its stealing from people that paid and tradesman that didnt go to college i paid mine off just pay it

[@Lonovavir]

If you ever feel foolish for believing in Santa Claus, remember, there are people who think the government will forgive their student loan debt.

[@tduck828]

Hahaha truth

[@chrisforker7487]

Everyone wants something for free! It’s terrible to sit around and wait for the government to bail you out.

[@dillonp470]

Deloney and Jade acting like they wouldn’t have taken student loan forgiveness on grounds of moral superiority

[@LittleMopeHead]

That's the problem, you think it's about moral superiority.

[@dillonp470]

@@LittleMopeHead if your bank called and said they were paying your mortgage off, you would still pay it in full because you signed it right? 😂

[@LittleMopeHead]

@@dillonp470 Indeed.

[@DoctorSmartyPants]

A bank is a private entity not funded by tax payers.

[@dungeonmaster6292]

Taxes aren't paying for student loans. Let the banks eat it. Change the law.

[@EJ84x]

Good god the intrigue of some people is unbelieveable. The government isn't going to fix your problems (matter of fact they will probably make it worse)......Integrity was the word I was looking for, not intrigue.

[@WeBeatMedicare6969]

I don’t think intrigue was the word you were looking for but I could be wrong

[@MOthanMost]

Probably looking for *ignorance

[@HOLDXSTEEL]

I believe in our for father’s!

[@zenthegeneral]

Boy am I glad the Supreme Court did the right call.

[@natalya7356]

I held off on glad school until i could afford to pay for it out of pocket. Never took out loans and im a first generation immigrant so no one helped me with education. Pay your loans people! Too much entitlement in this county!

[@davidmilhouscarter8198]

I became an “adult” at 18 but I’ve become better at adulting over the past 19 years.

[@Tyrisanders]

Bro been sleeping under a rock for months 😂😂😂

[@listerinr]

The way Baloney asks the caller if he loves the loan is so cringe.

[@amireallythatgrumpy6508]

Almost as cringe as the fact that he has a loan

[@DoctorSmartyPants]

I know. I cringed too. At least he didn't say Safe this time.

[@pep590]

Yeah, you guys shouldn't listen to this any more IT's too cringey.

[@listerinr]

@@pep590 Is that you creating fake accounts again Baloney??

[@amireallythatgrumpy6508]

Almost as much as people who use the pseudo-word "cringey". @@pep590

[@sebazizou]

Jade is such an invaluable addition to this show because, just like George, people can relate to them because they're young and they actually walked the walk. Same reason Caleb Hammer has been such a great success, he basically has the same principals and message than Dave but people don't want to hear it from an elderly man...

[@clairgoecke8264]

I still write checks. I am 26. It hurts me more and makes me pay it faster! ..yeah ill skip ordering food tonight and add $20 to this debt 😂.

[@SMetz-cw6qj]

Good for you! Keep working hard! You’ll be glad you did.

[@zack1610]

I have over $20K in student loans that I will pay off and I try not to eat out as well. But in all honesty I will not be happy until I get to a point where I can pay it off in one lump sum. That extra $20 doesn't feel lime it makes a dent right now

[@alanj9978]

I can afford to pay my bill, but I think taxpayers should get screwed to do it instead. Excellent morals.

[@tubenachos]

"Do I love what?" You could tell he got irritated 😂😂😂

[@guccithunder6136]

Cause that was a Stupid Question that he asked

[@FortuneSeek3rz]

Excellent commentary by both of you. Agree with everything said. Americans need to hear this.

[@yvonnecobbs1330]

I was selfish, and I didn't want to pay off my college loan in 1980. However, I didn't understand what I was doing or signing. I finally paid off my college loan in 1982, and I was only making $12,000 a year at a non-profit organization with an equivalency of associate degree. I did not complete or receive my 4-year degree, but I was very happy to finish paying off my college loan. At that time, I thought 5,000 dollars was a lot of money, but it took me a couple of years to finally paid it all off.

[@KittyKat-vb1nd]

It baffles me the word loan is confusing. You borrow it you repay.

[@tduck828]

​@KittyKat-vb1nd exactly. I don't understand why loan is a hard concept. You borrow money, you pay it back PLUS interest. People have been doing it for decades. Don't get this I didn't know what i signed bs. Maybe understand what you signed before having your hand out?

[@mikeberardi3985]

OMG these donkeys are still chasing the carrots 😂

[@GigaChad_169]

EXACTLY…Brandon puppets😂

[@thegenxgamerr]

30% of the governments net assets are in student loans. They’re not going to forgive them. People love to talk about the federal government deficit rarely do you hear them talk about their assets. That’s right, you’re federally backed student loan is an asset for the government. Would you just forgive your assets?

[@jimmymcgill6778]

Don't think you, or them know what an asset is. It is not an asset if you have 1.7 trillion in loans. And only receive 70 billion back in payments.

[@PStewart28]

I've heard as much as 45 percent

[@Mavryck_Tha_Myghty]

Their last video spoke to 45%.

[@thegenxgamerr]

@@jimmymcgill6778 A financial institution, including a municipality or government entity that issues a loan lists the loan as an asset similar to a receivable. So you can argue semantics if you want about the value of the asset fine but FASB is pretty clear it is an asset. Nice reply though, you literally are telling people they dont know what an asset is, then proceed to prove you dont know what an asset is. LOL

[@thegenxgamerr]

@@Mavryck_Tha_Myghty You can look at the federal governments balance sheet as of 2022 at the dept of treasury. They had 1.8 trillion in "loans receivable" of which 1.4T was student loan. That was approx 30% of their net assets. I havent looked at the 2023 numbers yet.

[@elainepatterson5587]

That these people made no payments during the moratorium, boggles the mind!

[@blackworldtraveler3711]

He’s not alone. Many here posted the weren’t making payments the past 2-3 years. They all disappeared now.

[@LittleMopeHead]

Not all. Some set aside or use that cash to invest during those years. And when this October came, they dumped those money on the debt or paid it all off.

[@blackworldtraveler3711]

@@LittleMopeHead I think the world knows it isn’t all even with 40 million collectively owing over $1.5 trillion.

[@aolvaar8792]

@@blackworldtraveler3711 $10K/loan will pay off the student loan of 22 million, about half of borrowers. The other half owes $1.25T

[@goat9199]

Footing the bill, not fitting.

[@M22Research]

Wow! If only the typical American lived with honesty and integrity, matching this advice! We’d be rocking our way to even more success as a country!

[@iforgotmyscreenname1]

I pay off my student loans and I don't complain.

[@SMetz-cw6qj]

Good for you!

[@BuiltNutritionFitness]

Can’t believe that people still believe in the student loan forgiveness

[@YoPhocFays]

Dishonest. You have the money, then pay your debt. It's your debt, no one else's. Save me the PPP Loan BS. I don't agree to that forgiveness either.

[@ryancraig4811]

Unfortunately, the topic of forgiveness will drag on because the dept of education is working on a rule change to make it allowable. It’ll still be blatantly unconstitutional, but borrowers won’t let it go until the Supreme Court rules again.

[@conman823]

Young people better realize that both parties lie and pander and never, ever deliver. You're on your own in this country so wake up and get tough.

[@kekejefferson9219]

I ❤ how Jade said to not blame others for telling us about student loans. All we can do is handle the loan and teach our kids about loans and to get as many scholarships as possible. And teach this in schools since parents are not teaching their kids about nothing.

[@clc477]

Exactley why the hell should i pay for someonelses loans dam that pisses all us who work trades it total bs or give me my 20000 doller check for not taking out loans ...

[@readysetmoses]

My spouse and I just paid the remainder of our 30K in student loans. Debt free but for the house at this point. THERE IS NO RELIEF COMING! Handle your business instead of waiting for a handout.

[@ttwdave9680]

I went to a Christian college called Davis college in New York. They had no problem getting students signed up for student loans and the degrees they offered could not get you a job.

[@nickdoublen123]

First time seeing this women on the Ramsay show….she smart and fine too😍

[@felipeoliveira2219]

Most ppl are still spoiled with pandemic relief...now they think St. Claus is coming every year lol

[@stevennovakovich2525]

I've got just under $10k to go. I will make payment after payment after payment and throw in a tax return check now and again until it is all paid off. A lot of people are saying they "just won't pay at all". They'll soon see the far-reaching power that these student loan organizations have in collecting money from them...through *force* ! They can garnish wages, tax returns, social security....everything the IRS can do.

[@mikeshaw4610]

Additionally think about it this way. The loan has to be paid somehow. If the government did forgive student loan to individuals it now has to be paid for by all the taxpayer. Why should I have to pay for your loans?

[@eddiejoseph1584]

Honestly this hosts didn't get the point. He's asking if it makes sense to pay off his student loans. It doesn't make sense to pay it off if the government will possibly fit the bill. To berate someone to just pay it off because it's the "right thing" to do is not the right answer. Look out for your viewers

[@teebone2157]

Wife, and i got forgiven under PSLF 10 years well worth it

[@MsMockingbird06]

If you have more than enough, might as well knock that out with a full payment. Waiting for forgiveness is pointless.

[@jonathanclark2160]

Student loans are a tough one for me. I paid my student loans off but if I hadn't taken out student loans I'd probably still be in school (10 years later). Because the jobs available to me paid minimum wage. To save up enough cash to pay for just one semester would have taken years. And I went through the whole gambit, I tried working during school and I ended up failing a class and almost failing another because I didn't have time to study. I tried applying for grants. I got one small one but most grants aren't for white males. I suppose I could have picked up a job drywalling or doing something that pays better than minimum wage. But still, it took far less time for me to pay off student loans than it would have for me to save up. Because the jobs post-college paid significantly better then the pre-college jobs.

[@blackworldtraveler3711]

Couldn’t get any grants and only got a student loan amount I could afford. I was a dishwasher at Denny’s, office building/school janitor, and hung drywall for cash while going to school. Had savings, investments, and emergency fund from working in my teens.(was actually made fun of and laughed at for doing this) Air Force/ANG paid 95% of my tuition and small student loan I had.

[@dungeonmaster6292]

Predatory lending. Make the banks eat it. Who TF gives $50K to an 18 year old?

[@Francisco1st]

We are playing end game. Get debt free, invest, and when it comes time we will all be millionaires

[@brandoncalafut4916]

My dad put my one loan in forbearance and it racked like 7k in interest within a year I believe…I wish I knew then what I know now

[@danieljohnson4418]

Make the minimum monthly payment. The loan will be "forgiven" when you die.

[@Jarlus]

I had the money and was planning to pay the balance on my loans after the freeze either way, and I did. I just wasn't going to pay more than I had to, on the off chance that forgiveness ended up being real. But now that it's clearly not going to happen any time soon, no point on keeping them around waiting on the government to do anything.

[@stephengamber7000]

Don't borrow money for any major with the word "studies" in it. (Like "Gender Studies") Or any other major that doesn't lead to a well-paying job.

[@thebrookskelly]

Everyone wants something for nothing. If you took out the debt then pay it off. Looking for handouts is such a give up mentality

[@BrianW211]

Student loan forgiveness is - a slap-in-the-face to the to the parents that saved for their children's education to help them avoid loans. - a punch-in-the-gut to the students that worked their way through school to avoid loans. - a kick-in-the-groin to students that paid off their loans.

[@LittleMopeHead]

I'm in #3. Student loan debt free since 2019.

[@amylove5500]

Is it really?…😂. That’s a bit dramatic 😂😂😂

[@tduck828]

The problem is HE HAS THE MONEY! The people that can pay it off feel they don't have to pay it....why?? YOU took the money, YOU pay it back plus interest. Personal accountability...

[@jimmymcgill6778]

They are keep on harping on this. Seems like these call are fake.

[@craigfin3222]

Quick search through Google, student loan forums and school forums. Will tell you that these calls are likely real and if not real in this specific instance, then their are many who feel/think this way.

[@FrankS111]

Go talk to any democrat voter under 30 and you will find this is real and this is what they believe.

[@bellad1063]

Crossed my mind.. having 12k and waiting for that 10k forgiveness but the solution is still the same.

[@Psycho_Lynx]

It sounds like you've never listened to a radio show before. All the calls are essentially the same after a while because all the callers have the same problem and for some reason want to be told that by the talk show host

[@synelpt2927]

I can't tell if the calls are fake, but if the callers are like 99% of my friends, I believe that there are a LOT OF people out there still waiting for forgiveness.

[@pickmeisha]

Weird vibes so many people are attaching morality to loan forgiveness. My $200k was forgiven due to my medical service. I’ve worked hard, I paid up until the pause and I justly met all criteria and followed the directions given. So now I’m a horrible, wicked person? Whatever…

[@johnanderson8385]

Can we talk about how good John is looking in that black tee?

[@david5544g]

I understand the expense and "predatory" nature of student loans... Still, if I was interviewing a person who lived for "free" the first eighteen years of life, then , even though they had the money to pay off their loan they waited to see if other people could pay it for them, they're not ready to work for me.... Zero sense of fairness or responsibility.... Sorry about the run on sentence, I have a degree, that I paid for but it wasn't in literature... 😂 😂 ..

[@kasession]

I agree with you, but... I think these kids think that forgiveness means the slate is wiped clean and that the lender is just going to eat the loss. It really needs to be hammered home that the DEBT WILL BE PAID OFF!!!

[@tylerhair9067]

It. Will. Never. Be. Forgiven. Period. Pay your bills.

[@workinonit9562]

Pay the bills that YOU incurred, don't ask me to pay YOUR bills, you didn't pay mine! End of discussion.....

[@dungeonmaster6292]

DR. BOLGNA making us all feel very safe. These people would N E V E R talk to a woman like this

[@gaselekrauss415]

Pay it off because it’s the right thing to do. Don’t screw us taxpayers.

[@SigvaldsAmazon]

Imagine if you could use the compound interest to your own advantage instead of someone else’s advantage (5:55)

[@BaconMountainMan]

I borrowed much less than many other people had to borrow, I paid for half of my college through scholarships, and I have more than enough money to pay it off.... Should I wait to see if the student loan debt will be forgiven??? 🤷‍♂️🤦‍♂️

[@pamelacagno2878]

Take out a loan, pay it off yourself!

[@teebone2157]

And I'm tired of the argument of people saying people who didn't go to college has to pay your loans period none of us are at war or live in Ukraine or Israel, but we're paying for that none of us work for these corporations, but we're paying them subsidies every year, none of us working people are illegally coming over the border, but we're paying for them period it's the government's money not to taxpayers.

[@bellad1063]

Pay for it, yes! We ought to pay for it. But the amortization is ridiculous.

[@blackworldtraveler3711]

Already ridiculous beforehand. They showed you the numbers in the documents that you signed.

[@jameskloer4657]

He did invest it, just in himself!

[@romanaja125]

I know at least 10 people who got over 20k, some even 60k forgiven...It's happened and is happening they are just keeping a low profile so people qon't be up amd arms about it.

[@patriotdrone9566]

Got 30k here due to my 20 years being up in 2018. Funny thing was I paid of the entire loan in 2021 and the gov sent me a check for 30k!

[@DoctorSmartyPants]

​@@patriotdrone9566what does being up mean? Up in 2018?

[@patriotdrone9566]

@@DoctorSmartyPants after 20 years they are supposed to forgive your student loans. Mine was due in 2018 but the system was broken for a million people.

[@Ivy-wv4wd]

@@DoctorSmartyPants Any remaining balance on undergraduate student loans is forgiven after you have been paying them for 20 years. So this person means that they reached 20 years in repayment in 2018 making them eligible for forgiveness.

[@percangle9891]

Imagine having the money to pay off your loans and thinking someone else should pay it on your behalf. Mfs really have entitlement issues up the ass

[@PatriciaOGorman]

Tired of John Delony interrupting Jade all time time

[@CCF_Christopher]

Pay your debt. 💸

[@adamseidel9780]

Blanket forgiveness ain’t happening. Even if you want to be optimistic it ain’t happening until at least like March 2025. If you exist in one of the special categories (public service forgiveness, income repayment, etc) that it doesn’t sound like he does, maybe it’s different, but you’d already know that. What’s the interest rate? Is it less than a high yield savings account? If so, you can let it sit around and just pay the minimum, but I doubt it’s more than a fraction of a percent and minimal yield either way.

[@robertkrumm2470]

People are going to hold on to this like a newborn puppy

[@zack1610]

Guys, please stop calling this show and asking for advice on a way out of your student loans. None of them, including Dave himself, are going to help you. It's a waste of time

[@davidmilhouscarter8198]

Bryan: I will pay-off your student loans but you have to pay-off my mortgage or at least $10K. Fair?

[@teebone2157]

Remember those PP loans for big businesses that got forgiven? I didn't hear any Uproar about that from these 2. But the minute you help Americans with American tax dollars. Guilt flies and the word socialism comes up every time.

[@TCR2025]

Why do people keep falling for this. I don’t even understand why people bother.

[@jimmymcgill6778]

Most likely a fake call.

[@cw5948]

Jade didn’t like being asked how are you 😂

[@zack1610]

"I paid off $280K in student loans...hehe" yeah like she wouldn't accept a ruling of all loans getting wiped out BEFORE she paid them off because of moral superiority. Give me a break

[@shantemartin5713]

omg people pay off your damn loan! its not going away EVER.

[@drtij_dzienz]

Fact, every time a student loan gets forgiven a single mom has to pawn her kids PS5 to pay more taxes

[@johnanderson8385]

Our tax dollars can’t go towards forgiveness because we need more money for Israel, Ukraine, and migrants.

[@TCR2025]

How many of these vids on this topic are you gonna make? Sheesh

[@sabatashi]

I like being reminded that there's people out there that think it's their right and entitlement to make others pay for their benefits. So it's 🍿

[@ginab.4605]

I know. They are wearing it out!

[@Nature-ep5cu]

You will feel that way if you have debt

[@ginab.4605]

@@Nature-ep5cu Can you rewrite your comment?

[@blackworldtraveler3711]

Been reading posts from hundreds of people here the past three years posting their student loans were being forgiven and everyone else didn’t know what they were talking about. I’m actually enjoying these.

[@90sKingFromNY]

I paid all my debt off. If the government did do that loan forgiveness, there’s nothing we, as folks who paid off our loans, could do - in reality. Lol

[@iamkesha.]

The entitlement and audacity of people who thinks the government should payoff their educational loans. Should I demand the government to layoff my mortgage and car notes too? In some cases, my mortgage balance is less than their student loans.

[@IamSCS]

The caller already invested the money: in his education.

[@alinatamashevich3354]

Poor ROI

[@lauvasquez7198]

Yes, poor kids. Getting screwed by the adulta in their life. I was one of them. Everyone told me loans are the way.

[@blackworldtraveler3711]

They screwed themselves.

[@benhughes4493]

I cant believe anyone thought they would get away not paying ! Stupid

[@blackworldtraveler3711]

If you go back and read the past posts on this subject the last 2-3 years you would see that many believed this.

[@johnmitchell8925]

OH Look at me Look at my stupid TAT🤣😂

[@lukeharris2622]

✝️

[@tracygaluszynski1868]

You're not giving away money. You're paying for a product or service. Sheesh.

[@ultrahighgain412]

Question: My wife has about $40k in student loan debt. If we make monthly payments she gets it all back from the state each year due to an incentive to keep graduates in state. We can pay off the balance in full but that would use up all of our savings and leave no emergency fund. If we go that route we waive that annual incentive. We have no other debts besides our mortgage. Pay off in total or make the payments?

[@scotttracy9333]

What if she loses her job tomorrow? How would that affect things ?

[@elijahanderson6736]

Just pay it off or all of it minus an emergency saving. Keep some for emergencies. Then tackle the last little bit for a couple month or so. You will sleep better at night.

[@mckenziebarrow9842]

Sorry I know this long: I'm probably in the minority but I'd say pay the monthly and put the money that doesn't include your emergency fund and put that in a savings account and add the returns to it until it's at least equal to pay off the loan. In my mind the same way if it's not wrong to try to maximize your tax return each year it's fine to take advantage of this program so long as she is eligible. So it's important to make sure you'll want to stay eligible for this program until you're able to pay it off with the savings, so consider the terms like if you have to stay in that state I'd ask do you want to?

[@ultrahighgain412]

​@@scotttracy9333I don't really think it would affect anything.

[@Rashaadthegr8]

Well somebody I know got $164K forgiven two days ago. Yes they had the receipts. As much of a Dave Ramsey fan Iam I must say that some people are still getting their loans forgiven.

[@Mavryck_Tha_Myghty]

3%

[@Rashaadthegr8]

@@Mavryck_Tha_Myghty I know

[@blackworldtraveler3711]

Many are not apparently.

[@rayhill5767]

Some is not all

[@Rashaadthegr8]

@@blackworldtraveler3711 ik