Over $382,000 In Student Loan Debt!
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- Опубликовано: 3 мар 2020
- Over $382,000 In Student Loan Debt!
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I realize it is kinda off topic but do anybody know a good site to stream newly released tv shows online?
One more payment left until I am student loan debt free! 💰✨
Congrats
Awesome!!!
Congrats!! I'm close too, April 16 is my big day!
Awesome! Congratulations
Congratulations, Alexandra!
You rock!
She is a pharmacist and he is a chemical engineer. Sounds like a breaking bad moment is in order here.
Anthony they’re going to have to, to pay off those loans lol
"i did it for the family Skyyy!"
“I did it for me”
Looks like reproduction will be postponed until late 30s early 40s
@@imabebebebe2496 im in this boat, wife has 380k in debt, she makes 102k i make 50k ish. The cheapest place we could find to live was a 900 sq ft apartment for $1700. Our loan payment is 3200 every month
If I’m ever feeling down, I can count on Dave’s debt videos to cheer me up 😂
Ouch! This guy does not sound prepared to keep grinding and pay off that debt. Graduating is not the end of the tunnel, you gotta find a job and pay for all that school! 🤭
If he has a chemical engineering degree, his best bet to maximizing his income would be to go into the oil & gas industry
He'll be calling back confessing about a $65,000 car he purchased, and the $20,000 honeymoon, and all the other keeping up with the Jones trappings he fell into
Very true. They probably shouldn't even get married until they get settled in their new jobs and pay down some of their debt.
I come here to feel better about my debt lol
keira H lol. I’m glad Dave has this show. It’s good to talk about the elephant in the room. Debt is a huge problem.
😂 ur silly
Good 1
Same lol
Bruuuuh lol
Not just you } :
OMG $382,000.00 in debt. I start having Panic Attacks when I am over $200.00 dollars in debt.
Crypto Ghost all debt is not created equal.
Dave acting like a chemical engineering degree can make 6 figures.. in theory it can, but when you’re fresh out of college and may not have that much experiences, $70k is an ok salary. Sometimes this guy (Dave) gets on top of his head and thinking this is the 1960s..
Well, in Oil and Gas they can make 6 figures starting out. I have a friend who's a chem E at Exxon, and she started out with 6 figures.
@@kierra5498 Yeah thats one friend at an O&G company. 60k+ in Engineering out of college is the norm. How much debt the person has... thats a different story.
Yup. Just about ever Chem engineer I know makes this out of the gate and takes 4 to 5years to get into the 90 range
if Dave was thinking he was in the 19960's, would he be thinking that degree should only pay about 20 to 25 grand?
Once a couple has overcome financial disaster, they can pretty much overcome any problem that comes their way.
I have been listening to Dave Ramsey for a while and he really annoys me especially when he advises a medical professional such as Physicians and Pharmacists to pick up an extra shifts in the ER as though ER is a fast food restaurant where one can go and pick up shifts just like that. Dave, please educate yourself before you tell people about ER for ER itself is a specialty and people need to go through the training before they work in the ER. There are levels in the ER as far as Trauma levels are concern and one needs to have the proper and adequate training before they take care of critical patients.
Joshua Shenwar exactly! In order to get an ER job as a pharmacist you need to complete at least a one year residency after graduation.
So glad someone else realizes this. It’s is sort of irresponsible to pick up a lot of shifts. The job is mentally exhausting and to make an error that kills someone just because you wanted to get out of debt quicker is not worth it.
Cinnamin Stixx exactly and not only that it annoys me when Dave yells at people who go into debt for a professional degree. I understand debt isn’t good. But, no one is going to wrk their way through medical, or pharmacy school. And he also tells people to “shop” around. Like what? These schools are highly competitive they shop for you. I watch a lot of Dave videos and he has very good advice most of the time. But he is out of touch with certain things.
He advises a lot of things that he makes sound so easy when he actually doesn’t have much knowledge on the topic. He irritates me as well.
@@zachwalters8001 I totally agree. Certain majors are just more intense than others. You can work 30 hours a week if you're an english or political science major, but pharmacy, medical, nursing, engineering, and architecture are far too intense in their workloads and hour commitments to be able to work much more than 10 hours a week
If this caller was smart he would follow Dave Ramsey's advice
When you got that much student loan debt, you had a life in college. You bought youself the life of the party, drink every weekend, eat out every day.
Reigning in and going "Ok, the money isn't coming in anymore, I graduated and they expect me to pay it back now."
That's where this caller is stumped. Sure, he has income now. But he's used to a certain level of living now, and brown bag lunch doesn't appeal. And neither does having a great big income that goes to debt for a few years. He wants so badly to take that big income and go buy a new car, plan vacations, buy the dream house, start building a rainy day fund- but all that stuff has to wait.
Patrick Banks yup! People don’t know this but these people are spending!!
I have to disagree. I am paying off $340,000 in student loans from med school. That is mostly tuition, plus books, exam and license fees, and money spent to apply and interview to get into residency training... plus accumulated interest over years of residency training. I lived on $1600 a mo in Miami (high cost of living) - I often went hungry or would take crackers and milk from the hospital. I got clothes on sale at Walmart. And most of my life was studying/working. I definitely wasn't partying or living it up on student loans. Many of my colleagues were the same story (unless they had rich parents).
arthrodea yeah but neither of these guys are doctors, so they didn’t go to med school.
benwhitnell Pharmacists are doctors and they go to med school.
@@cathyl7944 pharmacists are doctors, but they do not go to med school, and can start a 4 year pharmacy program with an associates degree so long as they have pre-requisite courses completed.
I wonder why Dave acted surprised when the guy said he’ll be making $70k/year as a chemical engineer fresh out of school.
He’s just starting out and that salary is about what he should be making, especially in Maine.
He assumes everyone makes the median wage right out of school.
What was the real crusher is it’s at a plant and not hired to be using his degree. Really should have started around 83k 3 years later 110k jump to another job.
@@chrisgoncalves9405 Most chemical engineering jobs are in some type of industrial plant.
My wife graduated pharmacy school with 400k in debt. Freaking sucks. We make 150k and it has been a struggle. She litterally makes the minimum as a pharmacist which is about 102k. Not only that, we live in the expensive state of Maryland which takes out more taxes than the feds.
@@Hallowsaw Not a lot of people here are gonna shed tears for you bud. There's a lot of people out there living on less than $50k a year. 4 years like that and you're out of debt and making $150k. You should be thankful your wife is a high earner.
While I was in college I worked full time to live and pay for my college. I also applied for grants and scholarships and received enough to pay for half of my entire tuition while in school. When I graduated I had ZERO debt. It was a constant grind, but it was well worth it!
Lol u ain’t going to medical school or pharm without debt unless u are well off , it’s apples and oranges . Most of the debt is hers , and you can’t be selective with the school you are going to , they are super competitive and you go where u get accepted .
I know people who went to law school, med school, and pharm school totally free because they were excellent students in undergrad. They also all worked while in undergrad, too. Going to graduate school for free is available to those with character, not just those with rich parents.
Alexandra Matos that’s a very small % of students, and there are only a limited amount of scholarships/grants to in ratio for the amount of students ....you also have to factor in living expenses while in school . Just speaking in regards to med/pharm/law school you kind of have to go where you are accepted because it’s so competitive in most cases . Due to that , most students are from out of state and have to pay for housing unlike undergrad where you can Choose to stay in state .
@@bangladeshirealtor I'm not sure that true for everyone. I went to Columbia University for my Master's only because it was the cheaper option compared to other graduate programs (more scholarship offers). You should have a strong enough application to choose among multiple offers of acceptance. Otherwise, don't go to grad school. I also worked while in grad school at Columbia, which is in NYC, so I could pay for my rent and other expenses.
@@alexandracosso6706 congrats 👏!! Getting a Master's degree is an accomplishment. What was your major? I'm premed now that my son is grown. He's moving to NY to pursue acting and music. I wanted to be close by. I chose University of Abany because it's cheaper than NYU. Housing is cheaper as well. I will have a robust load. I'm looking for grants and scholarships. I won't be able to work full-time. Premed is rigorous. In med school, you take 30 to 35 credits per semester. This is why med students don't work while in school.
At least his degree wasn't in German Polka History.
or Gender Studies.
UNDER WATER BASKET WEAVING
Rae I have that same degree. Now I work in business.
Masters in Left-handed puppetry
Where did Dave learn how to do math?!
Even making 200k a year, the couple doesn’t TAKE HOME 200k a year to put 100+ towards the debt.
It makes no sense to me why he constantly uses gross earnings rather than some even basic calculation of net take home to figure out how much can be put towards debt.
Darby O'Hara I agree with you 100%. He does that because it makes his case stronger, but Dave is not realistic sometimes
He's just telling them to have the mentality to throw everything including the kitchen sink at the debt. You really think he means only eat actual "beans and rice" when he says that as well? He means eat as cheap as possible, use coupons and NEVER go to restaurants until your debt is gone.
Also he wants them to work as much overtime as humanly possible and ANY and all raises must go to the debt.
C'mon man.
They're in the 32ish percent tax bracket. After taxes, 200k is 136k. That's not counting state tax. So it's doable. Very tight but they can throw around 80-90k a year to the debt if they stick to it
@@ukrd94
SPEAK ON IT!!!!
@@ukrd94 $200K-$24K std deduction=$174K, 24% bracket ends at $171K, It's called a progressive tax
$2400 + $8800+ $20600 = ~$32K, $168K minus SS, healthcare(if you pay)
Based on how this guy sounds this couple is going to learn the hard way first before they are truly motivated to get out this jam. 400k in student loans? College is an absolute ripoff.
College is not a rip off. These people just took on too much debt for their degrees. They would not be making nearly 200K yearly without their college degrees. It's still better to have student loan debt and six figure job than no debt making 15/hour.
lol got my mechanical engineering degree for 20k. started making 90.
Which city?
Which industry ?
@@sayitamilliontimes7125 oil and gas. looks like i'm eating my words now. haha
That’s one of the very few industries that pay highly right out the gate. Also, Maine pays below the national average. I started at 55k with my mechanical engineering degree in a manufacturing plant.
My ex-friend became a pharmacist she had 200K in school loans. She bought a house for 350K in her first year of working and an 75K BMW and bought 2-3K in purses and clothes all the time.
Yikes
Did she eventually see the Dave Ramsey light?🤔
Sounds like she has a spending problem. If she listens to Dave and Chris, she could come out of debt. Also, if she would trade in the BMW and not buy luxary bags, she would save thousands. Blessings to her!
She single?
Pharmacy is a dying profession
I love callers who actually listen and feel the strength that Dave pours into their soul. Have you noticed that people who listen usually Dave gifts FPU?? 🙌🏻🎉
Dave is just stating common sense to this dude.
Which this dude clearly does not have.
It's not easy to end up with a huge amount of debt.. Re-evaluate your lifestyle, stick to a budget, and find more side hustles! Best of luck!!
Yuuo😊
What he probably didn't mention was the debt they were in for the wedding!!
Why would you get in so much debt to not even work in what you graduated with?
Because teenagers are gullible and vulnerable to brainwashing. You must go to college. You must to to the most expensive out of state college. You must borrow money because it's the only way. You must get a degree in the field that your guidance counselor recommends. You must go to the school that your best friend is attending even if you can't afford it. Etc, etc, etc......
Dave makes paying off debt sound so romantic. XD
😂😂😂😂 thanks for the laugh
Daves not even factoring TAXES the are Automatically taken out of their paychecks
He is though. He is asking for take home pay which is asking for box 1 of your w2's, this figure is the result after federal taxes, contributions, etc are taken out of your paycheck. It's already factored. I'm not sure why people don't get this.
Property taxes, state income taxes, business taxes are different.
@@buster7618 tell me if he asked for take home pay. It starts at 0.40 seconds
@@helloitsdammy tell me where he asks for gross earnings? I'll wait. Dave is obviously asking for his take home pay, why would he care about gross earnings for someone who has w2 earnings?
@@buster7618 Huh? Box 1 is your total taxable income. i.e. gross. i.e. before taxes.
@@buster7618 When Dave (or anyone, really) asks "what do you make?" they're talking about GROSS income.
5 years sounds realistic to me. Dave, people dont take home their gross income. I think it's been a while since he made regular wages. Also pharmacists sit for boards not bars and ERs don't have pharmacists
Right😂 I googled starting salary for chemical engineering grad, it said $68,000. Dave does a lot of fantasy future faking.
The ER I work in has a Clinical Pharmacist on the floor. “Certain hours” but there is an actual pharmacist in the ED. + several pharmacists in the basement that makes meds for the rest of the patients in the hospital.
All of the hospitals I've worked aren't large enough to justify having a pharmacist on staff in the ER (Married to a pharmacist)
Dave makes it sound way too easy.... gross vs. net. He needs to learn this subject.
Cody S I got ya. Hence why I said “certain hours” because having a pharmacist at nights it’s not justified in the ED I work in. And my sister is a pharmacist, which by the way she hates the lack of job security! Idk about you but I chuckled when Dave said “she would make X amount of dollars.” I thought that field is so overly saturated, she be lucky to find a job at this point.
" you're broke people you're a student you're used to that"
That's not true of the students in the university town I am most familiar with. They live high on the hog. There is a huge thriving industry built entirely around their entertainment, expensive living, expensive restaurants and all sorts of venues to spend money. I I'm old enough to remember being that broke student and also talking to people in the generation ahead of me who were even super broke students. Very different nowadays.
I am curious to know, how much of people's student loan debt has gone to paying for a lifestyle more than students can actually afford, versus paying for actual school costs?
Agreed. Even in the 90s when I was in College, I knew fellow students doing the following foolish things with their student loans:
- buying new cars,
- buying $12K car stereo systems for their new cars,
- paying for exotic vacations
- buying a new wardrobe
- taking their dates to fancy $100 per plate restaurants.
Trust me, a lot of students are living on debts to fuel their lifestyles. I personally saw it myself, When I was in college 12 years ago. One cute Latina biology classmate bought a brand new Nissan Maxima on debt, like she max out her credit card. She was happy that she said I owned a new car, but I looked at her with what's wrong with you look and walk away.
Dont feel pity for them. Just be grateful you're not in their shoes.
Exactly university is pleasure island from Pinocchio. These jackasses are slaves.
R Wind I wonder if parents are funding too
Exactly.
What does he expect Dave to tell him...
He must have been looking for the sugar coating, but it wasn't happening! Lol!
Starting out making $70K with a chemical engineering degree is par for the course. That’ll climb up pretty quickly though.
what's this dude expecting from Dave lol he sounded so beat down
GREAT piece of advice, Dave! 👍🏾
I bet you that 90% of the debt is hers.
I don’t understand how he could have gotten into so much debt for a bachelors degree??
Probably not true. They probably went to an expensive school. I know pharmacy school people.
Beans and rices rices and beans for a long time 🙉🙈🙊
I agree!
Love Dave. He keeps me grounded. Need or want that’s the question. Great advice.
I feel like all these callers never watched Dave. He says the same thing for all the callers who have debt and is thinking about doing something stupid. Live on rice and beans, live on less than make you make, sell the car, etc. It's just common sense at this point.
Beans and rice and Walter White? A dream team for Breaking Bad. If they had both gone in state, the total tuition would probably be less than $150k.
Caller: I’m about to get married, and have debt.
Dave: Yeeeaaaaah! congrats!
🤣🤣
$70,000 and climbing. I'm relying on the Student Loan Forgiveness Program to bail me out because I'm a public servant. Once I get bailed out, I'm going to keep working, but also, play video games and wait for the other billions to be sent to me via check like the banks received in 2007-2008.
I wish Dave asked him WHY he isn't working in chemical engineering?
I like to watch as Dave's finger slowly approaches the mute button. Then I like to see if the caller can say something worthy enough to put off being muted.
This is beautiful, Im so happy for them. This process is going to be so good for them. This will pass, 4yrs is nothing to make what they're making and have their whole lives ahead.
Best parts of the video I wait for is when he hangs up on them 😂
It´s funny how he goes from super happy to the good lord moment :D
I dont understand how people get into so much of student debt xp my brother is in USF in tampa fl. Renting an apartment with his friends and finishing in december. No debt!
It's easy, lack of planning, no focus, no direction, no guidance. Most never consider a community or junior college so they already start out paying double for general education level credits. Secondly, most are broke, unemployed or underemployed while in school and take the loan money to supplement their lower incomes. Also, the requirements to qualify for the loan are non existent, you just have to be a registered student and show up at least the first month. Finally, most are not finishing in the traditional 4 years. All these things create a sociological and financial disaster. Add a masters degree to that, deferments, forbearece and it's just decadent interest accumulation from their.
To whoever is watching this, pharmacy is not a good field to go into anymore. She will not have a job while he pays off all the debt.
Yep, which means the debt will never be repaid
My cousin works as a pharmacist at a cvs and work 7p to 7a. 8 days strait. Completely no life
$70k is about right for a chemical engineer. My fiancé did the same thing and he actually started at about $55k. Made it up to almost $100k in under 5 years. I did chemistry, started at $32k (seriously) and made my way up to $90k in less than 3 years. He’ll start low but you can advance very quickly if you don’t get too comfortable and always look for better opportunities.
Live in an older lady's attic or basement. For peanuts.
Shovel her walk, place her storm windows, mow her lawn.
I have a bachelors in engineering and refuse to pursue a job requiring any more education. If someone wants me to have a masters or MBA then pay for me to get it.
Only with Dave math can somebody with $400,000 debt making $200,000 a year before taxes have the thing paid off in 2 to 3 years
I'm not exactly sure what his question was, but he didn't like any of the answers.
1:33 " You don't have a life. Just continue to have no life" 😂😂 Please Dave, be respectful towards students.😅
First market for pharmacist is not there its appocolyptic.
Second taxes takes away your opportunity to pay down loans. Third the interest is way to high to offset the loss of the taxes withheld from your paycheck to catch up.
Fourth politician's cant help.
Consolidations will make things worse.
Poor lifestyle choices holds you back
You would think with all the comments on here about Dave not being in touch with today's society he would brush up on his advice to align with life as it is today. Its kinda like another Ellen situation where Ellen isn't happy anymore to do her talk show but she's not gonna improve that she's just gonna cut it dry instead of leaving with vibrance and newfound passion in her steady career. Dave if you can see this, don't be like Ellen this short lived in your career. Help real people make real decisions to fix their mistakes.
Holly molly... That's a lot of debt. I'm not even worth that much yet.
these videos make me feel okay about my life
“About $70.. Really”? lol 🤦♂️
you can make 70 without getting into all that stupid student loan debt
True. I don’t have a degree and I make over $55,000 plus bonuses and work has been paying for some college classes to improve my job skills. I also live in a low cost of living area. If I lived in an average area they would pay me another 10%, somewhere like Chicago 20% and somewhere like NYC another 30%.
Think Money i make 110k with no degree
NeoAndersonReloaded doing what?
You can, but the guy with the chemical engineering degree will most likely make a lot more money long term.
@@adiaz1182 Lineman at Amtrak. There hiring too.
I love the comment that they are used to not having anything. Of course he is correct! Take the hit and get rid of that debt and have a wonderful life!
They are both locked into these jobs - hopefully they enjoy what they do and spend wisely!
"Wait for the other side of the rainbow." I like that.
I am not sure about paying $100k a year after factoring taxes but they can for sure try to live off $50k and pay $50k towards the student loans.
How much does an entry level Chemical Engineer make?! Dave acts like 70k isn't the proper income.
$70k is a great starting salary
It is when you are Debt free😩😂😂😂😂
@@michaelweyenberg6238 $90K is great, $80K is nice, $70K is OK
@@aolvaar8792 depending on the location and industry.
@@michaelweyenberg6238 Again, $70K is OK
left-handed puppetry. 😂😂
Laughed so hard at that one.
Probably because I’m left handed. 😇
Me too!
Habiba West - ahhh nice! It’s not easy being always in the right mind. ;)
Dave alternates. Half the time he says left-handed puppetry, the other half is underwater basket weaving.
It is not too bad to have almost 400k in student loan. Lots of families are like that and once they are out of school, they start buying rental properties and having kids and living the life they think they deserve for (e.g. one big happy RUclips channel). Leveraging debt allows you to stay sharp about money and make sure you and your loved ones to stay healthy because you are one surgery away from losing everything.
Live off his income and throw hers at the debt. His 70k (50k net) should allow them to be frugal and enjoy themselves at the same time.
But something tells me he wants the flashy lifestyle right away.
I think I would actually pass out if i had that much debt!
You can tell he's not really motivated...
Skip the wedding. Why commit yourself to this much debt this early. Just live together. Plus they are young and will probably get divorced down the line anyway
If it was only as easy Ramsey says it is. He must live in a perfect world. Most of us live in the "real world". 🤦♂️🧐
Getting into debt this high is insane and is a prime example of a broken system that takes advantage of younger people trying to go further in life and make a living. With almost every high paying job requiring a degree it makes it almost impossible to get into a field without putting this burden on yourself.
I don't have any credit card debt either, and was smart enough to go to work.
What's Dave's advice for going into medical school? Military?
Mr. R , it's easy to say than done , but some people are not going to do it .
Poor Zach got conned
"If you have a high school diploma...and can walk and talk...you can graduate from college"
Jerome Murphy, Dean of Harvard's School of Education
Dear parents, half our children have under average book smarts
Basic IQ Bell Curve fact, proven by mainstream Psychology
Too many ave to low IQ high school graduates become "college scholars"
Results:
1- More classes & degrees don't require exceptional book smarts
2- College degrees are less valid & valuable
There are brilliant mechanics, builders, electricians & more...10 times smarter than many a College Boy
Are u saying zach is one of the people without book smarts?
@@godismygeneral....no.
Rather, saying .....for most people, college isn't the best choice....for many, a terrible choice
So how is ur arguement relevent to zach getting conned? 1.He doesnt have a low IQ cause he did earn an academiclly difficult degree 2. Hes degree is one of the valuable ones. So ur arguement is irrelevant....more like a rant about how college isnt as useful...but it had nothing to do with the video or zach
Starting out a marriage as a young couple with that amount of debt is horrendous. I am also hearing that the Pharmacy profession is saturated so I'm not sure his fiancee will be able to make the amount of money pharmacists used to. I have also become convinced that student loans are being used to enslave the population to the government.
Left handed puppetry - that cracked me up.
My goodness that's a lot of debt
A chemical engineering degree is fairly useless unless you are in the oil and gas industry. The US student loan business is crazy!!!
I've never heard a new graduate state what they were making with their degree that Dave didn't think they were under cutting themselves, regardless of the field of study.
Seems to me much of this student loan debt is not just tuition related but also rolling up extravagant living expenses into the loans as well, so that they can enjoy their college "experience" to the fullest.
I've been bingeing these videos and a few things I've noticed.
1. Listeners/commenters in the RUclips section are some of the most judgemental people. These people are trying to get out of debt regardless of their past mistakes. Calling them dumb or stupid is not helpful. The fact that people are judging them from a 5-10 min clip is absolutely ludicrous.
2. Everyone's situation is different and some people are just misinformed.
3. Dave is extremely helpful but his way is not the only way.
Either way, these are pretty good tips.
Dave’s always surprised jobs don’t pay 100K outta the gate
Dave is still stuck in the 90s mind set of what an Engineer makes. I got out of college with an engineering degree. I then worked, and also had friends from college all work for various engineering companies. Anything from small business to Lockheed Martin. The reality is this: companies understand that if they tell a 22 year old fresh graduate "I'll pay you 60k a year" that we will say "YES!" with everything we've got. I didn't know a single guy who's first engineering job was getting over 70k in the Colorado area.
Lol, he doesn't sound sold. Going to call back in 5yrs with near zero paid off, living outside their means.
That's lots or partying, fancy cars and fancy vacations.
Hey Dave. The pharmacist market is over saturated with new grads. Probably make closer to 100k per year.
You left out the part when she’s cheating on him because she was “so stressed” and he was “working too much.”
This guy deserves more likes
People assume that people with particular degrees will make $100,000 out of school. It's a degree, and everyone has to work their way up to a large salary. Many of us were taught to get a degree back in high school, and many of us did just that. Any Gene X or Gene Y or whoever is younger than 37 should think before going to college. Blessings to this guy and his fiance'. Dave and Chris has great advice. 😇😇😇
Where does Dave get that she can work weekends at the ER as a pharmacist? Sure they have pharmacists who do that but not out of pharmacy school. In order to be an ER PharmD you have have atleast done a pgy1 residency.
We have no credit card debt, but (insert insanely massive student loan debt)
Better than having that amount in CC though due to lower interest in comparison and also it's towards a high income career.
Just because u are in a job that’s marketable does not mean that the money just appears lol. You still will have to work a whole lot for it to pay plus the added interests. My nursing degree cost $6500 and m good paying it slowly and will be living on half my pay. No stress and no working to kill myself.
Dave a comedian 😂
I hope that wedding is at city hall. Not the ones they show on vh1..
I think they'll do it!
In 6 years this guy will call with $350,000 in student loan because he didn't listen. Instead he bought cars, had kids, went on vacations and other friend's destination weddings!
“Just continue to have no life” LOL
When I hear ppls with a bunch of student loans, i'm thinking their career field is entry level making 20k-40k yearly, but these guys with degree in career fields with 70k-100k yearly? im sure they can pay it off
Hate people who call for no reason
Except to boast
They could literally live on 70 and pay this off in 4 years or less if they work extra. The Dave Ramsey equation of being debt free is a lot less complicated than anything you'd learn in Chemical Engineering.