Dave is right about “debt”. I’m sick and tired of the monthly payments, i feel like I lost my freedom. I recently paid off 3 credit cards $5753, I have one debt remaining $6k to go and I will be completely free. Never again will I put myself in this mess!!!
@jeaninnalexis43184 жыл бұрын
You can do it!
@dashadynamite884 жыл бұрын
You got this!
@dumdumdugan19404 жыл бұрын
That’s great I’m right there with you. I’ve done debt wasn’t a fan
@cookiesandpie48374 жыл бұрын
Same here, I paid off some credit cards and owe $7000 can't wait til I'm done. On track to be debt free by end of year
@AbrahamsYTC4 жыл бұрын
Live and learn. You've done good so far just keep at it. Good luck
@dontragemed25024 жыл бұрын
I’m a RN, I chose a small community college and paid 2k a semester.. total 8k. My Bachelors I took online while working and cost me 7k. It does not matter where you graduate, I never been asked by employers. I do travel nursing in many hospitals and you can’t tell what school anyone went to. Don’t get loans and try to chose a cheap school then study hard when you’re in (we all take the same test at the end).
@jasminesuarez83583 жыл бұрын
I was thinking why doesnt she just go to her local community college? Why doesnt she wanna go to Iowa? Too bad she choose ecology instead of nursing when she had the $
@nathanmai4093 жыл бұрын
@@jasminesuarez8358 some community colleges have waitlist of a couple of years. These accelerated programs let you start right there and then. As a nursing student it’s extremely hard to get into some of these programs even if you do have a high GPA.
@ClintonLandryTravelAdvisor3 жыл бұрын
Same
@VapeTime793 жыл бұрын
@@nathanmai409 i mean if you're my nurse, I want you to have a high GPA too lol
@mariahsmom94573 жыл бұрын
I did my nursing the same way! It was a lot cheaper.
@Davester74 жыл бұрын
As a 20 year old, I am fortunate that I’ve found this community so early on. I hustled all throughout high school, and applied to 80+ scholarships. I now have my BSN program all paid for and will be completely debt free when I graduate!
@paulagowell43124 жыл бұрын
That is Awesome!!
@marilivelife4 жыл бұрын
Congratulations!
@jbdragon32954 жыл бұрын
Wow, way to go!!! You worked hard and will be debt free while all your friends will be paying off their debt for years!!! It’s like a weight around your neck.
@tarawalton67784 жыл бұрын
ABSOLUTELY AMAZING!!👏
@StephJ0seph4 жыл бұрын
You're awesome! I'm in high school and found this community early on too. My goal is to apply to at least 50 scholarships in the hopes that they will help pay for my tuition. I've applied to 5 so far, wish me luck! 🍀
@Landmantx4 жыл бұрын
I paid my school loans off this year, I am 45..... Don’t fall for it!
@al-j5054 жыл бұрын
Ok, so please share with us your wisdom. Now when you know a lot, what would you have done differently?
@BadMannerKorea4 жыл бұрын
A L-J Oh me, me, me, I’ll answer-community college first, transfer to a state school. Join the military. Get an employer to pay. Get a marketable degree and the loans don’t even matter. Don’t live on campus and go in debt to live in a 300sqft room for years. Don’t pay for overpriced meal plans. I could keep going but I’m sure we all knew this, right? Riiiiight? College is worth it. Assuming you’re not dumb.
@jill96064 жыл бұрын
BadMannerKorea Yep!! My husband did 2 years at a community college, then transferred to a major university and finished his bachelor’s degree. His loans were significantly less and we’re debt free at 30!!
@levirleon50014 жыл бұрын
Let’s just forget the advice of the person who’s net worth is 55 million dollars... I mean we all have that kind of money....
@Batman969256244 жыл бұрын
@@BadMannerKorea i agree with joining the military. Dropped out of college after my second year, joined the air force, paid my 50k debt after 4 years in the air force. Was an electrician in the air force, am out of the air force now and am in an electrician union making 35 dollars an hour plus benefits. Salary goes up to 50 dollars after 5-10 years experience too.and becoming a master electrician. And im getting my master's currently too for free part-time
@cookiesandpie48374 жыл бұрын
"When you do your dream in the wrong way it becomes a nightmare"
@mysticaltyger20094 жыл бұрын
That was a great sentence.
@alexc53694 жыл бұрын
Do you mind if I put on tshirt
@cookiesandpie48374 жыл бұрын
@@alexc5369 Dave said it not me
@truegrizzlesfan22924 жыл бұрын
@@cookiesandpie4837 it's so true what he's saying. She had a cake walk when her grandparents and parents paid for her undergraduate
@jeffreywhitaker51544 жыл бұрын
Lolol. Dude said “ooh”! 😂😂😂
@teatowel114 жыл бұрын
These two being the responsible father figures that so many lack when it comes to financial matters.
@thomaslam84484 жыл бұрын
Problem is her 1st degree was free to her so she has no idea what financial struggle is for a 2nd bachelors.
@jinnij97214 жыл бұрын
I have never paid a dime for degree because I knew how to played with system.
@electricpenguin324 жыл бұрын
She won’t get a Pell grant either even if her income qualifies her since she already has a degree.
@nickwilson34994 жыл бұрын
Jin Nij ok, explain. Sounds like you know someone in the mafia, lol.
@yashveeraudit4 жыл бұрын
@@jinnij9721 👁️👄👁️ would you please explain this ? I'm interested in knowing how you played it u.u
@dee.tyson14 жыл бұрын
Facts!!!
@yaritzatorres40004 жыл бұрын
I was considering taking a loan to finance a graduate degree. I heard the voice of the rational and saw the wall. Thanks, Dave and Chris!
@BadMannerKorea4 жыл бұрын
Christopher Shank It’s a trap door if you think a graduate degree is worth 80k. I mean, technically it is over a lifetime, but you didn’t have to pay 80k. That’s entirely your fault, and there are plenty of people who get graduate degrees for way cheaper or go into so little debt it’s obviously worth it.
@Calcifurr4 жыл бұрын
Good call. I’m only pursuing my graduate degree because most of it is paid for and I got a few scholarships to help pay for it all. Otherwise i wouldn’t had done it,
@yaritzatorres40004 жыл бұрын
Christopher Shank Tackle those debts strategically and conquer financially. Rooting for you!!! 💪🏼
@cooper1974 жыл бұрын
Depending on what degree you are getting you might need it to get a job either way it will most likely pay for itself
@Mrcardnabber60004 жыл бұрын
🤣
@f.-j.j.57384 жыл бұрын
Girlie, I hope you see my comment! I'm also in the medical field. I'm doing my masters in public health after a MD, full ride scholarship with a stipend. I'll basically be paid to study. Listen, Patty, some hospitals will pay for your degree in nursing if you commit to working for them for a short while during and/or after. They are all over the internet begging for nurses. Search for one in your city, specially small towns in Iowa!!! You have plenty of time before September.
@Mattlove_4 жыл бұрын
I was a CNA for a couple of years while saving up to go to LVN school. I worked as an LVN while going to RN school and I worked as an RN before getting a bachelors in nursing. No student loans, no debt. It’s possible.
@Blestmama74 жыл бұрын
My journey too.. then went to grad school and took a loan still paying on it... never never again would I advise anyone to take Student Loans...
@KEP19834 жыл бұрын
LPN-RN bridge programs are designed for people who are working as LPNs. Hence the name. That's entirely different than a second bachelor accelerated BSN program. Many of them require a commitment not to work while in the program. The fail rate in those cases is practically 💯
@lookingahead14 жыл бұрын
Me to!! But started CNA, 2 yr RN, Bachelors, Masters, Post masters... I’m done!! I think.. no student debt
@andrewstanley9033 жыл бұрын
Thanks for sharing LPN here in Tennessee working on pre reqs for my Associates RN at a community college. I started out as CNA.
@andrewstanley9033 жыл бұрын
Keith P submitted my LPN to RN bridge application in December.
@maria-gf9cx4 жыл бұрын
I'm also trying to be a nurse with a bachelors already in hand. I discovered that going to my community college to get my associates in nursing is only 12k total!! I can cash flow it and it will only take one semester longer than accelerated bsn. Then I can get my bsn in 9 months, which many hospitals will pay for. Just an idea.
@AvalonMisty4 жыл бұрын
awesome Maria...you go girl!
@MsJoyce312024 жыл бұрын
👍
@codys57274 жыл бұрын
There's more BS in a BSN than most BSN nurses are willing to admit
@bigzzz26114 жыл бұрын
But in all that time you could have earned 100k. Opportunity cost.
@insideambersworld73704 жыл бұрын
The good news about paying college in cash is tax credits!!!! You can collect $2500 tax credit per year for up to 4 years. If you need it for longer there is a $2000 tax credit which is good forever. You can't claim both, but it saves some money. Just make sure to keep your receipts for text books. You college should send you a form around tax time.
@colbywilliams75954 жыл бұрын
My mom went back to school in the health field at the age of 50. She got a full scholarship from the Veteran's Administration including a stipend. In exchange, she worked for them for a year afterwards. New career after staying home with kids for 15 years and no debt.
@1.5Koreans0.5American4 жыл бұрын
"You're not gonna like us. We teach people to not borrow money."
@michaelblasius77054 жыл бұрын
Except when buying a house for some reason...
@dumdumdugan19404 жыл бұрын
Michael Blasius the biggest difference is that a house appreciates while cars and other things depreciate. Most people can’t buy a house with cash and would not listen to Dave anyways about a home loan. School loans and car loans and especially credit cards are just plain stupid.
@sumobowler37904 жыл бұрын
@@michaelblasius7705 actually he teaches people to pay cash for a house, but he realizes that is not practical for all. and there are guidelines for getting a mortgage. he has told many people they are not financially ready to buy a home
@judymckee59924 жыл бұрын
@@sumobowler3790 , Buy a home, when the housing market crash, from savings as a down payment. When you buy a home at the height , like 2017 till now, you will lose money and your downpayment is eaten up by the falling market. Buy in 2022 in non judicial foreclosure state and end 2022 on judicial foreclosure state.
@judymckee59924 жыл бұрын
@@dumdumdugan1940 , Buying a house is also about timing, 2017 till now, u are going to lose your pants, 2022 probably the housing market crash. Buy low, whatever it is.
@JenzJoe4 жыл бұрын
you guys are so good. we’ve been diggin out of our debt (student loans) for 10 years. young people, u have energy, no children and health. do it the hard way now so u can rest easy later in life.
@YourYugiohChannel4 жыл бұрын
I'm 100,00 in debt... should i sell my yugioh cards? The legendary blue eyes white dragon??
@colucci32314 жыл бұрын
😂
@PaulsGoldWeapons4 жыл бұрын
That's going to cost you a trip to the shadow realm.
@TimeisUp224 жыл бұрын
Whoa, I’m having a nostalgic flashback. Loved that show!
@Quick_Bytes4 жыл бұрын
Nooooo that’s your investment xD
@Insufficient2024 жыл бұрын
Got dark magician?
@nycalien4 жыл бұрын
I was in college for about an year for IT. I was going through classes and felt like what's the point if I have to go in to debt to make money and have a good life. So I started to talk to people in the industry and asked them what do they look for when they are hiring which they said experience and knowledge. So I postponed college for about an year and took an low level entry job for fixing computers for minimum wage. That job gave me insight of the job market. Did bunch of It training and didn't go back to college. 20 years later now I'm making 6 figure salary in a Fortune 500 company. No Student Loans!!!
@adrian3747_4 жыл бұрын
jealous herr
@bluciana6914 жыл бұрын
I have met a RN who opted for a for-profit university here in California. He says it was the worst financial decision he’s ever made! Totaling in $110k student loan debt. 😳 I am working as a nurse assistant saving up to apply for a $8k RN program at a community college. Thank you Dave and your team for this! It has definitely confirmed that I’m making the right choices.
@abigailp.12523 жыл бұрын
Was it West Coast University?
@lisabaltzer41902 жыл бұрын
@@abigailp.1252 My father graduated from West Coast University. He got a Master’s in Environmentl Science. Unfortunately, West Coast University went out of business years ago.
@abigailp.12522 жыл бұрын
@@lisabaltzer4190 There are several around CA and they don't seem to be out of business.
@lisabaltzer41902 жыл бұрын
@@abigailp.1252 Then they must have reopened or they were taken over by someone else. Around 1995, my nephew was going to West Coast University and he couldn’t finish his degree there because they closed down. I left California in 2003, so the I stand corrected. My father and nephew loved the school. I have no idea how it is now.
@maurelius574 жыл бұрын
The reason college is so expensive is because the money is so easy to get via loan. If they made it hard they would have to lower tuition rates. Look at all the colleges there are now vs 30-40 yrs ago. It's because the money is so easy to get.
@aolvaar87924 жыл бұрын
No, It is because of the ease of getting In and staying In. The 70 IQ village idiot can get in ( and get a loan) When I went to school: 10K applications, 4K acceptance, 1K freshman, 600 sophomores, 250 at graduation. Top 10% of class, 3.0GPA, 1400 SAT 13 hour days, 6 days a week, mandatory summer sessions soul crushing, psychologically damaging, mandatory flunking drop once, flunk once, must pass or out. First job, $100K/yr + $30K bonus and no debt, a former alumnus asked if he could pay for my education, I said yes. It's not the degree, that makes money, It's the high IQ He makes more money because he has a degree. No, he makes more money because he's very smart.
@marydyra-hamel10854 жыл бұрын
You’re right. As soon as federally funded loans were available and private loans were easy to obtain tuition rates skyrocketed.
@Ant04174 жыл бұрын
You’re exactly right. And many young people have the mindset of “borrow all I need and worry about it later” and schools know that.
@bobmarker68124 жыл бұрын
Absolutely!
@Michelle-po9xy4 жыл бұрын
Yup. You’ve hit the nail on the head.
@jimroscovius4 жыл бұрын
She has lots of choices. She doesn't have to go to that school.
@nicolevicedo7924 жыл бұрын
If she’s doing an accelerated program, she wants to acquire a nursing degree asap. There are backlogs and waiting list for nursing schools. Some schools up to 2 years and I have had students leave states for a quick acceptance.
@rayj.95684 жыл бұрын
@@nicolevicedo792 , Right. Some programs are in great demand.
@luisasterioquerubin68294 жыл бұрын
Be prudent as you age.
@nicolevicedo7924 жыл бұрын
John Moore Agreed! Nursing is just like any healthcare career path, in the realms of PA and MD/DO/NMD, it is now competitive and hard to get in.
@jimroscovius4 жыл бұрын
@@nicolevicedo792 Wrong - she can get started at almost any community college. Here in little Sioux City, IA, we have two colleges and a community college offering nursing programs. The point is that she does not HAVE to go into debt. But I'm sure she won't listen.
@tavonwillis59424 жыл бұрын
Student loans are no joke. I sure hope this message reaches the youth.
@TheTbabylati4 жыл бұрын
She definitely could go to community college and get a RN, then get a BSN online. Nursing schools are everywhere and not really expensive.
@philipgerry52284 жыл бұрын
Sam Jones yes, staying home another year going part time to school would be better
@princesslamour19854 жыл бұрын
EXACTLY!!!
@oneom0014 жыл бұрын
That is what I did for my business degree. It worked out handsomely for me
@judymckee59924 жыл бұрын
@@oneom001 , I did the business without a degree.
@DonutIgnoramus4 жыл бұрын
Accelerated nursing programs are 12-18 months. To complete an RN and then online BSN program would likely take 4 years. That's a huge opportunity cost of not just lost salary, but lost years of your life.
@mikehudgins60384 жыл бұрын
This was one of my favorite clips in a long time on the show. I started listing to Dave in about 2014. I had just graduated from university and I started to think what I should do with the money from my first "real" job. I had 42k in student loan debt and I made 24k at the time (I was only an intern and that went up significantly 2 years later). My wife made about 20k. Because I started listening to Dave, we were able to pay off our student loans in just under 2 years through deep sacrifice. Both of us made 10-12 bucks an hour the whole time too. One thing that I like about Dave is that he believes in his viewers. He says "you can do this" and nowadays you hear people that want student loan forgiveness because they THINK they can't pay the loans off. All my friends that were dining out in restaurants, going on vacation, and having a great time despite having students loans would benefit from the loan forgiveness. I, however, would not get those 2 years of deep sacrifice back (which believe me were pretty much 2 years of lost life). Forgiveness punishes the people who lost life to do what pretty much everyone could do if they had discipline. We made income you could make at friggin Walmart at the time and still got it done. You can do it too! I wish I would have discovered Dave before I got all that debt, but he helped me clean it up. Because of him, and our own hard work, she is now a stay at home mom and we have no debt. Thanks Dave!
@ChristopherInTexas4 жыл бұрын
My RN program is private and relatively expensive at 21k. With grants and scholarships it's 8k. She's paying too much!
@JK202394 жыл бұрын
Grant's and scholarships are need based. Why 99% of the folks dont get any? If this was the case, we wouldnt have 1.6 trillion dollars student loan debt crisis
@dumdumdugan19404 жыл бұрын
Joshua guess you haven’t heard of all the scholarship money that has gone unclaimed. The problem isn’t lack of scholarships. The problem is the lack of motivation to find them and people not doing the proper research
@JK202394 жыл бұрын
@@dumdumdugan1940 I haven't because I was rejected by several because my parents made too much money. 50k a year is too much for a scholarship
@ramseyabsessien89904 жыл бұрын
MSN-FNP here just with less than 20k in loans, but i have paid it down to 7k now. She needs to get a CNA license, work prn and go to Nursing school, at least to get that 5k down to maybe 40k.
@SmallSpoonBrigade4 жыл бұрын
@@dumdumdugan1940 Just because it goes unclaimed, doesn't mean that it's available for a specific student. As a White man, I couldn't even apply for most of the scholarships and grants that were available. The ones that were available were incredibly competitive as they were open to everybody.
@KEP19834 жыл бұрын
I'm in nursing school, in an accelerated program, finishing up in a few weeks. We started with 50 students. Of the original 50, only 10 are still in my class. The other 40 either dropped out (majority) or are held back at least 1 term (about 10 or so people). No one who made it this far worked full time, and everyone who worked full time is either gone or held back significantly. Moral of the story: if you think you're going to work full time while in nursing school, you've got a huge percent chance of failing. This isn't some typical degree that you can study an hour or two per day and be fine.
@Eunice6704 жыл бұрын
Keith P thank you! I know a lot of people who suffered academically while in nursing school because they worked . Her best bet is to focus exclusively on her studies and when she graduates find a job quickly and attack her debt.
@snterp3 жыл бұрын
That's freakin' right. You can't work a full-time job and learn a career that is a 4-6 year degree in some countries in 18 months...
@terrietanner8503 Жыл бұрын
I’ve been a RN since 1987. My full time job WAS nursing school!! No way could I have worked at anything besides STUDYING!! 😵💫 I hope she didn’t take that loan.
@AimeeMarsh-m5y9 ай бұрын
When I got accepted into the bachelors of nursing program, I had to sign a contract stating that I could not work while doing my clinicals.
@terrao49715 ай бұрын
That’s exactly why I couldn’t make nursing work. They make it so damn difficult! I can’t afford not to work and nursing programs ask that you not work at all. Just stupid.
@sabiaottley53184 жыл бұрын
This one hit home for me. I was planning to go to Grad school for physical therapy. I took a gap year out of fear to apply. Ended up getting my bills for my undergrad student loan. Reality hit. Now when I saw those programs for 70,000 a year the money seemed more real. I’m sooo glad God put the fear in me to not be too hasty.
@DistopiaKosaki7 ай бұрын
So where do you end up working?
@exitpath4 жыл бұрын
You can see the fear on their faces when they talk about debt. Not many people understand it's a trap. Got my mom struggling pretty bad because of it. And she'd probably be way better off if she never had credit cards.
@ShiaGirl184 жыл бұрын
I respect Dave and Chris! I am so happy that he also mentioned the 32-year-old version of the current individual. That hit me! The story about the lady who had the sickly child and was unable to stay home with her child because of student loan debt also hit me hard.
@KB-xg6rb4 жыл бұрын
I wish I had known about Dave in college before I got student loans. I was encouraged by my mom and my college to take them out... and I don’t use my degree. 90% of the time, college is a complete SCAM.
@SherCC4 жыл бұрын
I’m a nurse, and Dave is RIGHT. I graduated with 50k loan, it can certainly be done it differently.
@deathrowtodisneyworld50304 жыл бұрын
I'm a community college, 2 year ADN Registered Nurse. It cost 5k. I make 140k a year as a workers comp field case manager, I work from home. They work me like a rented mule, but my feet don't hurt.
@andreborah4 жыл бұрын
DeathRowToDisneyWorld can you apply for a job like that without the degree you have???
@Rudy47594 жыл бұрын
Hi, How much are you making now?
@loki88_874 жыл бұрын
But how...
@taygator11674 жыл бұрын
DeathRowToDisneyWorld Same. I got my ADN for 8K. What company do you work for making that much?!
@spcysos4 жыл бұрын
When I worked for a hospital, they paid you to go to school and become a nurse...and then you had to work for them for a number of years. Might be an option?
@micheleD4984 жыл бұрын
I think she forgot who she called...
@jeffreywhitaker51544 жыл бұрын
😂😂😂
@BadBloodBeth4 жыл бұрын
My mom went to college for nursing at 30 years old, and my parents took out students loans to pay for it....they are still paying off her loans. She is 50 now!!
@keepitsimpleydb61514 жыл бұрын
Wow!!!!!!
@r3d_ti3_guy4 жыл бұрын
😮
@insideoutsideupsidedown22184 жыл бұрын
Some of the commenters here do not realize that the wage earnings do not catch up past daily living expenses until you are older. And you add a monthly out go for a $100k student loan debt it restricts you to the point of waiting until you are older and making that above average income to be able to start chucking away at that debt. That's without sacrificing and following the baby steps.
@FreshKicks45454 жыл бұрын
Offsets they high paying hr pay. Mind blowing right.
@Scott-got-caught4 жыл бұрын
@@insideoutsideupsidedown2218 because ppl don't live on rice and beans. They live off of debt.nita the middle class lifestyle
@kellyelste13684 жыл бұрын
Girl, don't do it! I so badly wanted to do an accelerated second degree BSN program too. I swallowed my pride and went to a community college in Orange County. I didn't pay a penny for my degree through scholarships and free tuition. Hospitals will hire you with an ADN and will pay for your BSN. It feels really good not having any debt especially when talking to nurses 5+ years in who are still paying off their loans. My husband also did the same thing with his law degree-not a fancy school but no debt! It feels good!
@Alicia-jg7is4 жыл бұрын
I borrowed 14k for undergraduate (lived on campus) and worked 32 hours + 60 hours summer time. I borrowed 35k for graduate school privately (lived with my parents). I worked full-time during graduate school and went night school for 2 years to avoid borrowing more debt. Then disciplined myself and paid it off 52k (interest including) in 2.7 years with a salary of 39k plus doing surveys and side hustle jobs. It’s okay to borrow only if you can get support and find a way to make it work. I borrowed because I had no choice. I tried scholarships and got denied but I worked very hard to pay off my school and I’m proud that I did what I needed to do to survive.
@QuestionEverythingButWHY4 жыл бұрын
"Too many people spend money they earned..to buy things they don't want..to impress people that they don't like." --Will Rogers
@Mehwhatevr4 жыл бұрын
We buy things we don't need, with money we don't have, to impress people we don't like -Edward Norton
@d1bestplayer4 жыл бұрын
"Most people buying things they don't need, with money they don't have, to impress people they don't really like. Stupid on parade baby! - Dave Ramsey
@chrisbaker26694 жыл бұрын
Spending money you earned or even got as a gift is fine. Spending money you don't have is the problem.
@richardramfire39713 жыл бұрын
That’s a good point. But not relevant to this video
@KatieBellino Жыл бұрын
@@richardramfire3971Exactly. Impressing people isn't this caller's goal besides perhaps school choice. People do go into debt for expensive colleges.
@Katiebangs4 жыл бұрын
Nurse here who paid for school myself. Acellerated programs are so expensive! The cheapesr way is to find a community college RN program. Mine was 2 years, $7000, and I got my RN license and Associates. Then I workrd and payed cash for the full bachelor degree which was about another $8k. Talking to a hospital for help will never work without experience. One option is the military! They have programs like this for healthcare workers where it's free in exchange for return of service. Even free medical school!
@Katiebangs4 жыл бұрын
Plus hospitals will often pay for the bachelor's once you are already employed there as a nurse, so it really is the cheapest way to go!
@Maxdouble074 жыл бұрын
How about stay in the area and search for grants and go to a school nearby??
@PaulsGoldWeapons4 жыл бұрын
She's in California. It ain't going to get cheaper.
@MagnusMedina4 жыл бұрын
It's not about cheap, it's about getting someone else to pay for it. Lots of grants and scholarships available, and staying in the area eliminates room and board.
@Darklovesto4 жыл бұрын
@@MagnusMedina true dat preach!
@mysticaltyger20094 жыл бұрын
I have a relative who got a Master's in Occupational Therapy. She was 33 when she got it. It took her until she was 50 to pay it off. She could have paid it off sooner, for sure. But that's not what happens. When people get used to being in debt, they just start treating it as normal. They typically don't attack it and pay it off quickly.
@geoffreymungai78954 жыл бұрын
Student loans are a scam. Even here in Kenya.
@davidogutu91104 жыл бұрын
254 represent!
@allispossible84474 жыл бұрын
How about Nigeria....?
@TheHoriginal3 жыл бұрын
Kweli kabisa !!! :)
@tiana00483 жыл бұрын
Please listen to them. This has happened to me..
@mattsmillennialmoney394 жыл бұрын
DAVE: You’re not gonna like us 😂😂😂😂😂😂😂😂😂😂😂
@richardramfire39713 жыл бұрын
Dave is a saviour. He actually cares. He’s saving people from debt , depression and even possibly suicide. I was not the best saver but I avoided debt but I have many friends that are in debt they rely on substances and other things to cope.
@missava662 жыл бұрын
57 year old Patty here. I took out student loans at age 25 to go to nursing school. I am now long debt free but I wish somebody had given me this advice at age 25.
@kimdawcatgirlАй бұрын
This guys voice is right up there with James Earl Jones voice! I could listen to him reading the Bible all day!
@AnOutgoingIntrovert4 жыл бұрын
You can get a RN Associates degree in 3 years in Las Vegas at the College of Southern Nevada. If you qualify for a Pell Grant, you can likely pay for your entire degree with it. The whole degree costs about $10k.
@dans37184 жыл бұрын
@Johnny Five Move there, work for a year and establish residency, then go to school. What you earn should cover that tuition.
@naomiscollectionofvideos42314 жыл бұрын
Dave, you won it with me! I had that same idea floating around in my mind even though I had been listening to you for a while. This motivated me to stay debt free and for that, I thank you both! 💜💜💜
@Musicienne-DAB19953 жыл бұрын
Ideas floating aorund in your head are the worst. Each one looks attractive, yet it might not be the right decision long term.
@naomiscollectionofvideos42313 жыл бұрын
@@Musicienne-DAB1995 Your comment made me think, but isn’t that how all decisions are made? If a person has no ideas to choose from (whether searched or presented) then how does the mind choose a path..
@Der8cho4 жыл бұрын
Caller "My parents & grandparents paid for my college and I live with my parents"... no wonder she needs help.
@marcusarelius4 жыл бұрын
As someone who has paid into a 529 plan on a monthly basis for 7 years on behalf of my kids, I will one day make sure my kids are aware of the sacrifice that was made and the importance of getting the education piece right the first time. It's too important to get this right the first time, not use grad school as a way to course correct.
@SmallSpoonBrigade4 жыл бұрын
@Grimmy Rippy No, they absolutely should not have. Trying to predict what degrees are going to have the best ROI a minimum of 5 years down the line is a fool's errand. You simply don't know what that's going to be, a job that appears to pay well now may well see an oversupply of applicants several years down the road. What's more, with a few exceptions, employers really don't care much about what your degree is in. Sure, for things like legal or medical work there may be licensing requirements that dictate what sort of education that applicant needs, but most jobs aren't like that.
@MsEasyBeautiful4 жыл бұрын
I dont know what happened to the money she was saving living with her parents
@WoWTixx4 жыл бұрын
@@SmallSpoonBrigade You could't be more right.
@luisasterioquerubin68294 жыл бұрын
Here in the Philippines, the educational system is quite challenged. The consolation is student loans are not the norm.
@shadowsden3 жыл бұрын
Absolutely miss the combination of Dave and Chris on this show. Really Hope Chris is doing well. They are like the uncles who give you great advice. Dave’s method may be tough but it works. Thank you Dave and Chris and the Ramsey show family
@CreativeMonsterx4 жыл бұрын
I use to think this way, it's really hard to break this kind of mentality.
@ChristianBooneProductions4 жыл бұрын
Super Hard
@Elizabeth-uj8vn4 жыл бұрын
My ex thinks this way.. he has everything new.. new cars new 300K house bc he makes six figures... he brags about it too lol... then he told my 17 yr old daughter he’s going to finance her first car and she’s to make monthly payments to him!!! She only makes $400 a month!! 😳. I can’t believe he’s going to try put her in debt too! Fortunately I talked her out of it after a lot of arguments and tears 😣.
@elisabettefermosa19374 жыл бұрын
It’s not that hard if you know who you are and what the world is. Why give the world, which could care less about you and your soul, ANY real estate in your mind. I found a perfectly usable Keurig in the dumpster for my roommates. I saved them $70! I buy mostly used clothes and household items on eBay, OfferUp, and Mercari. I’m helping out my fellow American buy getting rid of something he or she no longer needs and helping me progress. But again, going into debt to buy stuff IS NOT THE SAME as going into debt to receive a necessary, legitimate education. The only way to change the system is to have a government mandate that limits the cost colleges and universities are allowed to charge their students. But this is Shamerica and money is god, so it’s unlikely to happen.
@Batman969256244 жыл бұрын
dropped out of college and joined the air force. best decision i have made
@keyroncampbell4 жыл бұрын
I think because her parents fund her first degree, they should have made sure she pick a good career to get a degree in that's going make her some money... And all of this could have been avoided.
@keyroncampbell4 жыл бұрын
@UC8BZNFg3D4B7GQz4as3ed1w that was a smart move
@jimroscovius4 жыл бұрын
She shouldn't have wasted her money on a stupid ecology degree.
@SmallSpoonBrigade4 жыл бұрын
@@jimroscovius Spoken like somebody that doesn't know what they're talking about. Few employers care what the degree is in, they just want you to have a degree. Unless there's a licensing requirement that tells them that they need a specific degree, they mostly just care that you've got one. There's a ton of elitists out there that like to make fun of other degrees as being worthless, but that's usually not the case. Liberal Arts degrees in particular that arrogant people like to go after are some of the most useful degrees that you can get in the modern economy where you might need to retrain multiple times over the course of a career.
@nateyad81394 жыл бұрын
@@SmallSpoonBrigade You seem to be quite out of touch with the world. Liberal Arts degree for the most part are worthless. Why you ask? Well supply and demand. And not every job is just looking that you have a degree. It's actually quite the opposite, employers look for people that have distinguished themselves, not just people who have a degree.
@strictnonconformist73694 жыл бұрын
@@SmallSpoonBrigade Getting a degree by itself only shows you spent the time, energy and money and carried through. In many cases that don’t require special background and education, that’s sufficient, but in reality, such a role doesn’t require any post-high school formal education, either, so supply and demand weigh heavily into that: many that piece of paper is only useful to open up many potential employers to hiring you. Now, if you get yourself educated in STEM or something else that does require a degree, or even are self-taught (some things are more viable than others) supply and demand makes you potentially much more valuable, assuming you don’t choose poorly. Gender studies degrees only have as much value as the number of careers and their jobs that are available to use that particular training, which really devolves down to a role where you’re preaching to the choir. But, most of those roles are purely in academia, so your teachers are your competition, so how’s that working out? For most, that’s a liability instead of a degree: a worthwhile degree starts out as an asset and appreciates with time and effort, having a good ROI. The only people that can afford to consider a gender studies degree are those that don’t need to earn a living in the first place. If they can’t pay for the entire expenses out of pocket before or as they take it, they won’t be able to afford to pay off the school loans, because their best bet will be working as a barista and telling people “I’ve got this gender studies degree, I’m so educated, let’s talk while I make your drink!” (And of course, many people just want their drink ASAP, instead of waiting to speak to a sap).
@ShelbyJonai4 жыл бұрын
I agree with them. I had 80K of student loans and STILL haven’t used my degrees. I paid it off, but now I am behind in LIFE.
@BernadetteTeachesMusic4 жыл бұрын
I also thought she was going to go and get in debt. The only thing making me wonder if she will listen is that SHE CALLED, so there’s a voice inside her head telling her this is a bad idea and you guys agreed with that voice. I think there’s hope 🤞🏼
@rchn13154 жыл бұрын
No. she already made her mind up and she was HOPING for validation with the call.
@mzlyzs98634 жыл бұрын
She wasn't told how to pay for the expenses only not to take the loan... Chances are she will take the loan.
@romariomejia53963 жыл бұрын
@@mzlyzs9863 Right, and I doubt her parents/grandparents would let her push off school until she found a way to pay for it
@peterwoods88803 жыл бұрын
shiiiii id pay premium prices for a private lesson
@johndone80453 жыл бұрын
If only 50k for a nursing degree its stupid to work a 16 dollars job and save money
@CR-zl1px4 жыл бұрын
I am a nurse and 47,000 is toooooo much. It’s hard work and they’re competitive, but go to the local community or local university. I chose to do an associate first, and complete my bachelors after, of which I pay out of pocket and the hospital I work at reimburses me completely. Essentially my education is free , but it takes a little longer and the classes are tough. The harder road is less expensive without debt. I’m a registered nurse working in a level 2trauma icu with a critical care certification that the company paid for. I’m telling you so you don’t get scammed. Good luck😊💕
@Noe-gj9mw4 жыл бұрын
Her first mistake was the fact that she had a bachelor's degree yet gets paid $15\h
@twotoneADS4 жыл бұрын
^why you should only go to college if youre all in
@davidchrist4283 жыл бұрын
Better than making $7/h
@pozloadescobar3 жыл бұрын
Apparently a bachelor's in Ecology doesn't put you into a high earning profession 😂 She learned her lesson though! I hope she enters that nursing program
@stillwaitingonmymatchwithj87654 жыл бұрын
I always wonder when exactly they hang up the phone on the caller... Does the caller think they’re still on the line or what?
@reaalitykinggs4 жыл бұрын
Livin’ the Life same
@caity92444 жыл бұрын
See Dave hit the button on the desk? I'm sure his producer is in his ear telling him when to hang it up. They probably don't hang up on people still on the line though, probably just switches them to a different person unless the person on the line hangs up first.
@albertaparamedicassociatio32884 жыл бұрын
Although he muted me, I didn’t hang up until he stopped talking to me as a guest. As a caller you hear the show the entire time, you are just muted.
@RMMomma4Eva5 ай бұрын
I think they must tell them upfront that at some point during the call they will be muted, but to hang on and keep listening to everything that's being said about their case. Plus someone is going to pick up and get their information so resources can be arranged.
@janitzamurga32714 жыл бұрын
I went to nursing school but to a local school and it was less than $8,000. I would avoid out of state colleges because the tuition can be almost doubled in price. Highly recommend staying LOCAL...!!! Like the gentlemen’s say, look for scholarships and/or work for a hospital. The hospital will even give you a sign-in bonus. I have my degree and owe $0...!!! Best of luck!
@Blackomega952654 жыл бұрын
I am so happy I went to school and took a student loan instead of waiting to go to school. I ended up graduating at 22 with a good paying job, and paid back my student loan in about 6 months of working. Instead of having to take 2-3 years working minimum wage to pay for my schooling. Not saying student loans are always a good idea. But if have a plan and weighed the risks. I don't see anything wrong with it. In my case it made me way better off financially.
@xboxman5ify3 жыл бұрын
i agree that in a case like yours where you took out a relatively small student loan with a pretty good paying degree student loans aren't that bad unfortunately as far as student loans go you are a very small minority. for the vast majority of people dave ramsey's advice is the best option and when he starts making exceptions for people like you other people that shouldn't get student loans start rationalizing that it's okay for them to get student loans too. there's also the risk you have to consider where even in a case like yours something may happen where you don't graduate college and then you've got student loans and years of working to get a degree and nothing to show for it.
@RMMomma4Eva5 ай бұрын
It worked out for you because you limited the amount you borrowed to the bare minimum, you picked a viable degree program that paid off immediately, and you also relentlessly attacked paying the money back right away until you paid it off. Most people are wasteful and borrow way more than they can afford, and then because they are overwhelmed they back burner this debt and it becomes a terrible curse on their lives and finances. But good for you!
@CEDL40724 жыл бұрын
Just make sure the accelerated program is legit. My friend just got scammed. She is a LPN and I think she signed up for the program online. What they don't tell you is that you also need to fulfill clinical hours in order to get fully licensed as a RN, at least in my state: I don't know how it is in other states. I hope this lady did her research! Please don't get scammed like my friend did!
@kelleythenurse32834 жыл бұрын
CEDL4072 if she is an LPN there’s no way she didn’t know she needs clinical hours to bridge to an RN unless your friend is stupid. Every single bridge program in the United States requires clinical hours.
@natalielinden4 жыл бұрын
I would be scared to have a nurse that had not fulfilled clinical hours lol!
@GROGU1234 жыл бұрын
Every RN I know had to do clinicals. I wouldn’t want an RN to touch me without some experience. There are scam programs that arent accredited. I would make sure whatever program is fully accredited.
@cheyennehubbard3394 жыл бұрын
Absolutely not. Your friend is dense if she thought she could get her RN in nursing with out clinical hours.
@CEDL40724 жыл бұрын
@@natalielinden But there are scam programs out there claiming there are faster ways to becoming a RN.
@ariellebelizaire83653 жыл бұрын
I’m a RN with a great income. Worked 10$/hr to pay for it fully when I was 19. I have debt which are consumers stupid debt! But not student loans! Work and pay for your education as you go. No rush! Oh and a BSN does not guarantee more money! Be wise!
@cathywojcik24204 жыл бұрын
What I hear in her story is that she wants a nursing degree for the increase in money and possibly the "glory of being a nurse". After a career in nursing for 39 years, most of it in ICU, I can tell you it's very hard work. In my experience, either those who did it for the money usually left to find something easier or they made lousy nurses. Nursing has to be a calling.
@kenziem61564 жыл бұрын
25 years old, earned my masters degree at 24. Once I finished I started paying off debts before I even knew who Dave Ramsey was, I’ve paid off over 12k this year, and all I have left to tackle are my student loans. Gazelle intensity, I’m planning to pay half of them off this year. Social life? Never met her. Second job? New best friend.
@kanecierra89404 жыл бұрын
Parents push you to go to college but doesn’t place any $$$ in hand or even discuss entrepreneurship goals. I’m ready for mine to enter adulthood debt Free!!
@pupasarus4 жыл бұрын
True when I was 16 my Mom told me, if you want to go to college you have to pay for it. How does a 16 year old save for college?
@lawilson834 жыл бұрын
Andrea Thompson.. A 16 yr old pays for college by earning great grades, apply and get multiple scholarships/grants/internship and working. It’s hard work but it’s worth it depending on ur direction u are trying to go to. Or learn a trade and read book on business and be an entrepreneur. “Debt-free Degree” -Anthony O’Neal. Plan for your future, don’t just show up. Been there done stupid, learn my lesson.
@pozloadescobar3 жыл бұрын
Unless you're from a rich family, you can't assume your parents are going to hold your hand to success. You are your best and only career counselor.
@fawkestheplotphoenix9643 жыл бұрын
They do often tell people to borrow money. When they tell people to sell their card they say borrow the difference
@sidwhiting6654 жыл бұрын
"I HAVE to have debt" = I've only spent a few minutes thinking about the possibilities and am not wiling to cut my lifestyle. . I like the old quote that says, "Whether you think you can or you can't, you're right!" If I were sitting down with this 25-year-old, chatting for 30 minutes, I guarantee we'd figure out how to get her thru school debt free....IF she's willing to work for it and IF she's willing to make some reasonable sacrifices.
@bossmann63584 жыл бұрын
Sid Whiting *through
@dans37184 жыл бұрын
@Big Bubba Because she's obviously dumb enough to take you up on it?
@kimwhite266620 күн бұрын
If I would've listened to this I would've never went to school. The only way I was able to go was because I was able to get student loans. I had 2 kids making $30k/year. There was no way I was going to be able to pay for school out of pocket. I went took out 30k in loans and I now have a job paying $100K. I can afford to pay back the loans. I don't agree with him on this one
@sherondahi114 жыл бұрын
When Dave said the entire culture has lost their minds, he is absolutely right! They jump from one career to the next chasing this big three figure salary in their minds. Little do they know, you have to work hard and earn that salary. It's not handled to you just because you have a degree. I work with so many people fresh out of college and expect lots of money without doing any work to earn their paycheck. Just like Patty, they dont like to listen to us "old heads" when we are trying to steer them in the right direction.
@svpbond0074 жыл бұрын
I work full time and paid for nursing and respiratory school. And go to community college instead of university. A
@teritran_theTurtleTraveler4 жыл бұрын
It's sad but true: 'the perfect plan never happened'. This is true to my life as I now have to face paying off my student loans.
@liberty43923 ай бұрын
I believe I heard Dave Ramsey tell someone to take on debt once to pay off the Internal Revenue Service. They were already in debt so it was more a debt consolidation.
@frev94603 жыл бұрын
God, I miss these two guys together! 😢 So much knowledge and wisdom in one room!!
@jvolstad4 жыл бұрын
Many community colleges offer nursing programs. That is what I would be going for instead of moving to Iowa.
@eltalizaire52414 жыл бұрын
I believe he absolutely correct I went to a community college and got my AS and then went back to that same community college got my BSN all free .. well not really free the BSN was 8000 I pay cause I already had my license and I was making more than enough. Now as far as grad school so far am processing how we going get that done as well . I refuse loans
@Nerdmillion4 жыл бұрын
how long did it take. the accelerated program is like 15 months and prolly 20 if including pre reqs. is the aa stuff you did transferable to the bsn upper divs?
@eltalizaire52414 жыл бұрын
Road To A Million well the AS is two years and the bsn is 1 year and half if you have prior pre requisite.. you don’t have to rush to do the bsn cause you can get your license with your AS and then some hospital pay for the bsn but if not you going be making your own money you can pay for that but go to a community college it’s only around 8 thousand and it’s online and it’s great
@GR-uc1gq4 жыл бұрын
Are you doing practitioner, CRNA, or professor?
@AmyAutrey4 жыл бұрын
But at the same time you're often seen as worthless to most employers without any degree at all..
@deanalbertson72034 жыл бұрын
I like Dave's idea of calling Health Care Companies, to see if they have programs to help pay for nursing school.
@kaelaleedaley4 жыл бұрын
Patty, if you're reading this - before you go into training for a care related job, join a local care work company who care for clients in their homes. You'll meet all kinds of people, learn so much more than any text book or course can teach you and work alongside community nurses who can give you an honest representation of what the study and work entails. You may decide to work in care in another capacity, just get stuck in somewhere and see how you mentally and physically feel working in that field. Praying God helps you in your decision xx
@KatieBellino Жыл бұрын
Great suggestion. She could do a quicker CNA program at a community college first too.
@0neofthem4 жыл бұрын
It’s expensive to get a useless degree the first time around.
@pozloadescobar3 жыл бұрын
Very expensive! Not forgiving either, because it's hard to get financial aid for a second degree
@Rob-te5ct4 жыл бұрын
im months away from graduating with my accounting degree. 25k in debt by the end. but before i was making $10/hr for years. after graduating ill be making 45k to start and more after a few years every year after for the next 30+ years. 25k is nothing to raise my earning potential that much. ill have the loan paid off in 5 years or less
@strictnonconformist73694 жыл бұрын
With the economy the way it is with many companies going out of business, and you being fresh out of school, there will be a glut of experienced accountants available for all the demands: unless they’re looking for a cheaper, younger replacement, I’d wager your bargaining position isn’t nearly as strong as you think it is. And, you’re in debt during the biggest economic downturn since the Great Depression. You’ve got some hard math to work towards, don’t be overconfident.
@Mrsmetamorphosis20124 жыл бұрын
Only problem is if u can’t find an accounting job right away? Times r different since u started. Jobs r freezing up. Thus community college n transfer. Cash only. Same dream but will take longer to get there. But it’s good to play it safe.
@amandah32054 жыл бұрын
If you can work... If you get in a car accident today and cannot handle numbers after you wake up then what? If you have no debt it is much easier to handle life no matter the curveballs. A friend was doing great and headed towards a career and marriage when suddenly had an autoimmune disease kick in and lost his ability to work and his fiancee walked away as a life of having to work full time while her husband has to pull in disability was not the life she was confident in.
@dank.25364 жыл бұрын
Congrats! It'll be well worth the debt, might even be the best investment in your life.
@monikatripathi45894 жыл бұрын
I love this show, they're not joking here ,they actually give proper advice .
@kindcounselor4 жыл бұрын
Thank you Dave for having the courage to tell the truth.
@7wnb3 жыл бұрын
”Do what is easy & your life will be hard. Do what is hard & your life will become easy” -Les Brown
@ArikaChennelle4 жыл бұрын
They are such a great/funny duo! I love watching Chris & Dave together!
@dbe_manny4 жыл бұрын
Nursing school in Seattle, a very expensive city, is $10k total. Somehow she found a program in dirt cheap Iowa that's over 4 times more expensive.
@colorob88874 ай бұрын
There are nursing and advanced nursing programs closer to home.
@nateyad81394 жыл бұрын
It's so disheartening to listen to this. All that scholarship and grandparents money wasted on a useless degree. Just to come out making $15/hour at a service job. I feel like this is so many college kids. Yes it's great to have dreams but you also have to be practical about the real world and can't just go for random degrees. I remember having the same conversation with my cousin when she was in college and she was studying architecture. All i said was why? And told her it was probably a better idea to get a degree for something more in demand. She now works in an eye doctor office. I really wish people would just go to community college if they don't truly know what they want to do, you at least won't come out with mountains of debt.
@michael567jober4 жыл бұрын
architecture is a great career if you know what you're doing. with any career it's about who you know. if u don't speak Spanish you're SOL but that's a whole other discussion. what's wrong with working at an eye doctor office
@nateyad81394 жыл бұрын
@@michael567jober What's wrong is she got $100,000 in debt for nothing. You can work in an eye doctor office without paying $100,000. Are you really that clueless?
@michael567jober4 жыл бұрын
@@nateyad8139 100k is pretty expensive but if it's something you really want and to pursue, go for it. I think the main issue comes from employers low balling pay, no willingness to train, high expectations and broken promises. nobody wants to give ppl a chance cause they don't want to train
@mauricecooper90164 жыл бұрын
Antonio Jay well clearly it wasnt something she really wanted to pursue. College is shoved down kids throats but nobody explains why you should go to college and whats the proper cost effective way to go to college.
@maxjuarez52774 жыл бұрын
That’s degree is pretty good. I am an engineer and they make similar to what I make!
@Logan-km9wm4 жыл бұрын
Hi Patty! I’m an RN in CA. Please do NOT go to Iowa for a nursing degree! If you ever want to practice nursing here in CA, it’s best to go to a nursing school here. The CA boards is hard to pass. Many RNs who go out of state for their nursing degree end up unable to pass the California state registered nursing boards exam because it is the most difficult out of all 50 states. I went to a junior college and graduated with my RN after four years completely debt-free and my nursing degree ended up costing me no more than $6000 including books and tuition. You can get all your pre-reqs at a junior college for very little money out of pocket while working your $15 an hour job and then apply to places like sac state, sierra college, American River College, Orange Coast College. Literally hundreds of state and community colleges that have great registered nursing programs. Also, once you are a nurse, try to find a job somewhere in northern California. Nurses get paid the highest here especially Sacramento area. Probably the highest in the country. I work part time only 2 to 3 days a week making $ 140,000 per year. Find me on Facebook and we can talk. Tamar Figueroa
@Kysen104 жыл бұрын
Luckily he caught this one early. 50k a year in debt is madness.
@C2theCity4 жыл бұрын
Didn't she say 50k total? Or do you always talk about what the school costs are per year?
@SmallSpoonBrigade4 жыл бұрын
$50k a year would be madness, but $50k for the entire degree isn't likely a problem. I've regularly seen hospitals advertising significant signing bonuses to nurses that are willing to work for them. Chances are that the $50k could be paid off in a couple years tops if she really gets on it. Obviously, that assumes that she can't get any scholarships or grant money. If she applies for several every day, she can probably get it down even more.
@prateeksinha11764 жыл бұрын
This is 50k a year not all it is. I think it's 3-4 year degree.
@coillest86284 жыл бұрын
It’s an accelerated program which is only ONE year, it’s only 50k total...
@C2theCity4 жыл бұрын
@@coillest8628 thnx for explaining
@ThemommaBear1959 күн бұрын
I don’t recognize the personality on the left. He has a beautiful voice!
@pnutbutterjilly3 жыл бұрын
... btw, I went to nursing school & paid for it while working. It's absolutely possible & doing that allowed me to purchase a home at the bottom of the 2008 real estate crash. Stay out of debt!!!
@eljefe44734 жыл бұрын
50k for a nursing degree? Mine cost 7000.00 and my employer “hospital” paid for it. Nursing is a disaster I sure hope she picks a different path for her sanity.
@js84303 жыл бұрын
What paths are good alternatives?
@AnishChari4 жыл бұрын
I took $50,000 in loans to complete medical school. Paid them off in a year after I was done. No regrets and would do it again. If I did it over again I might have worked a bit more in other fields as it is bizarre to go from making nothing to making 6 figures, I think the experience of having a low paying job has some value beyond the money.
@cholloway3524 жыл бұрын
Yes! Paid my 48k from an accelerated program in two years by doing the work. You just have to want it. Problem is so many people get caught up having social lives, driving fancy cars, and not wanting to pay it off “just yet” I have no regrets
@staceyk22742 жыл бұрын
Do you mean you paid off your loans during residency or after graduating residency?
@catherinewilke55833 ай бұрын
I didn’t pay my medical school loan off until my late 40s. I’m guessing you went to school before I did. I don’t think anyone except people from rich families graduated with less than 100k in loans my year. Now it’s a lot more. I raised 6 kids without debt on my income only, divorced my freeloader ex, and will still hit retirement age with about what I need to be comfortable. So I guess it worked out?
@aggz6194 жыл бұрын
160k for a dental hygiene bachelors....I look at my checks every 2 weeks and watch them shrink because FedLoan wanted $872 a month. IT SUCKS!!!! DONT DO IT!!!!
@eileeneclark90114 жыл бұрын
7/2/20....I agree...She has ALREADY made up her mind...& is already in Iowa in that $50K advanced nursing degree in her mind....maybe even already thru the whole program---with a nursing job + starting her pmts on her $50K ONLY WAY TO DO THIS NURSING PROGRAM! So sorry you 2 couldn't STOP her! Maybe next caller?
@mysticaltyger20094 жыл бұрын
Maybe someone else out there is listening and won't do it because of this call.
@DaishaView5 ай бұрын
I think every college bound kid should take a gap year after high school where they volunteer, do different activities, explore different interests, and have mentorship to get a better understanding of what they want to major in so they can make a more informed decision that will lessen the chance of them wasting money on a useless degree.
@KarinasaurusRexx4 жыл бұрын
She should use her degree to work in Land Management.
@StellaPlayss4 ай бұрын
Got my undergrad in nursing for free. Got a student loan for my grad school. 25k. Did not have the money at the time. We were getting established. I made 30k more within the first year with my NP. Making double now what I was making then. Student loans paid off after 5 years. They were not a big deal at all. Didn’t make a dent in my budget. Student loans are sometimes completely worth it. My husband is getting his masters starting in the fall. We will be cash flowing it because now we can do that. Don’t regret my student loans at all.
@Mavryck_Tha_Myghty3 ай бұрын
4 years later… I wonder which path she chose?
@mikezerker69254 жыл бұрын
I disagree with Dave and Chris in this case... True a lot of people are in student loan debt; but that's mainly because they get into debt as an undergrad and come out with a degree that doesn't earn them much money. In Patty's case it's different. She will graduate in nursing which is in high demand, and if she wants to work for a Traveler Nursing agency she could be making $100k or maybe even more per year. So in this case borrowing $47k with the potential of making $100k seems worth it. I do agree with them that she should try to find scholarship programs or companies that will pay for her schooling - they are out there. After graduation I would tell her to live on rice and beans and pay off any debt ASAP though!
@chongtay-voviet4 жыл бұрын
She hasn't work in healthcare, and decided to go for nursing? She needs to at least work as a nurses aid first and get a taste of it before going for nursing.
@fsm1238510 ай бұрын
The Borrower is Slave to the Lender , that phrase allows the mind to open up and think .