“I'm Worried About Paying My Student Loans!”
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- Опубликовано: 7 сен 2024
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I just paid off my student loans. One lump sum. Almost 125k total. It wasn’t easy to press that submit button but the feeling afterwards was… such a relief. It was a huge weight off my shoulders. No more dark clouds ahead.
Congrats! I didnt have nearly that much of student loans but I just paid off mine in one lump yesterday. Feels so good.
Congratulations! 🎉One thing about putting your nose the the grinder and paying it off is you will see finances so much differently.
@@mmp495 I totally agree. This was an expensive lesson but I learned a lot about personal finance and myself during this journey. I’m looking forward to taking the next steps.
Where did you get 125k to pay all the student loans in one lump sum? I have 49k in student loans and it will take me at least 5 years
@@fanmaxis3004 I'm a Physical Therapist. Worked 6/days per week for like the first 3 years of my career so my income was close to 6 figures. Lived with my parents, had only my baby emergency fund, all my money went into my loans. Then the Pandemic hit and my student loans were in forebearance. I did move out and worked less hours but continued to have a high saving rate. Once I hit that balance amount, I just coasted until the repayments started. I didn't do anything fancy, just hard work and a plan.
Takes a lot of balls to call and complain about $18k
in student debt while buying a $30k+ on a car.
Yes, and I bet he wanted the tax payers to pay off his student loan so he could keep his 30K car!
@@bettysmith4527 A lot of people are struggling out there. We are suffering and don’t know where our next meal is coming from. Student loan forgiveness would go a long way to help us all out. We could pay our bills and put food on the table. Why don’t Dave and Dr. John want that for us?
When ppl say they live paycheck by paycheck and complain about "something needs to change"(blaming the government) they WILL never mention they purchased a stupid 30k car or they spent $300 on restaurants twice/week or they splurged $3000 on a trip to mexico lol
“Something needs to change” = “someone else needs to pay”
I got a $1300 hospital bill for a two hour ER visit WITH insurance. Something DOES in fact need to change
@@hunterbarry5754emergency rooms have been that way for decades. It's not a perfect system but I'd almost rather an ER trip stay expensive so everybody thinks twice about using it rather than have people gum up the whole system to have their weird toenail fungus get checked because they don't have a primary care doctor
@@hunterbarry5754 On many facets, yes, something DOES need to change. Healthcare can be done far far better and far far cheaper.
1) Change insurance from the individual provider to the facility the patient visits. No more out-of-network doctors in an in-network hospital. No more mystery consults etc adding to bills and making the billing process a nightmare for the patients to navigate. Much more would also need to be done there.
2) Limit the margin percentages a hospital or other facility can make on pretty much everything. Cap not-for-profit executive pay to a multiple of their employees' & contractors' median pay. Some will argue about the importance of the position, but I'd argue that the hospitals that need executives paid many millions each year are oversized. That's a result of consolidation, with regional hospitals basically becoming monopolistic chains that own multiple hospitals, out-patient facilities, clinics, and most individual offices.
3) All medical R&D partially paid for by government grant should be owned by and licensed from the government. Any and all domestic pharma companies can then produce the drug by paying a fixed licensing fee (say $10K) and agreeing to pay the royalty (a fixed percentage of their sales revenue from that drug, at least stateside). Allow for a race-to-efficiency by opening up many more generic options. I'd also say that the grant-receiver/inventors should receive a limited cut of the royalties or exclusive rights to sell/license the drug overseas during their patent period.
4) Biden's drug negotiation plan is very important. No way insulin costs 10x today what it did 10 years ago. The cost shouldn't have done more than followed inflation and in fact should be less (inflation-adjusted) that ever before. Far more should be done on that front with the drugs etc that have already been invented.
@@hunterbarry5754You must have crap insurance!! I paid a couple of grand for my sinus surgery that would have cost over $50k without insurance.
I have no sympathy for a man who laughs about his $30K car loan while crying about his $19K student loan debt that he’s gotten a break on FOR THREE YEARS! This man needs to learn that he’s not going to get wealthy trying to game the student loan situation. He’ll do better if he learns how to budget and be responsible. 💁♂️
I keep hearing all these whoa-is-me stories about how freaked out people are about resuming their student loan payments. They had a THREE year forbearance! They should have been socking some money away for when the payments resumed, not accumulating more debt. This is a prime example of why financial literacy classes should be taught in high school.
That's where I lost any sympathy. He can sell the car and pay off the student debt in the same day with enough left to get something cheap until he saves up enough to buy something in cash, which won't take long on $60k.
People should've been paying off student loan debt when the interest rate was 0.
Exactly!
Why should the taxpayers in effect pay for his car?
He’s 24 years old! He doesn’t have that much experience making $60,000 is actually doing very well! The average income in the US is $57,000.
Yeah his problem is he shares your mindset. It doesnt matter what the average American makes, all that matters is what the market rate for his skills are. If he is paid less than that the hes underpaid and if hes broke too he owes it to his family to find something better.
Thats how the broke stay broke dont compare urself, know ur worth and skill sets not based on average numbers because in reality 57k “average” income is low
It is actually $75k per CNBC.
As soon as he got this job, he should have been looking for another one. Then you can say you have experience. 60k is crap for supply chain and Dave is right, the current company is taking him for a ride salary wise.
you and the caller are the same
I got rid of my student loans long ago and I still ride the train/bike here in beautiful southern california, life's so beautiful when you go off the mainstream path. Working on my engineering masters currently and its a blast! Your show is amazing, thanks for the information and affirmations that my sacrifices will pay off one day(:
The student loans aren’t even that bad 18k right out of college making 60k the car is the issue. He bought too much car.
If he does it right he could pay off in 8 months no problem.
"Nervous laugh." 😂 Dave knows... he's been doing this for eons. ❤
One thing I did smart was never having car payment... haha. My first car I bought at 16 or 17 from my granny (her old car) for like 900$ (my total life savings up to that point). My second car was a gift from my Aunt and Uncle for college (their old car). And then I paid cash 12,500 for a rebuilt 2014 car that I still drive today and it still runs perfectly.
I dont live in a huge job market but its medium sized and i can tell you 60k out of college is awesome. Daves 80k number is for college grads in large markets. Dave really should drive thru middle America and realize his salary numbers he states are way too high
Yeah, $80k supply chain people makes sense when you live in Los Angeles. $60k in Houston is probably commensurate.
And their making six figures between the two of them in Houston is not bad.
You are spot on. 60k out of college is a job well done. I know it’s in demand, but still it’s great money. Maybe 80k in 5-8 years is possible. All depends on economy.
Non-profits don't pay hardly anything. I'm about to retire and get $1,300 a month and social security. Don't make that mistake
Yeah Dave was way off with his estimate
Dave is right about the car, but wrong about the job salary. $60k out of college is great. The employer is trusting a student with no experience
I'm about the same age as this guy and has $20k in student debt. When I paid it off this month.
I worked when I went to school and worked full time during the summer. These knocked off a ton of bills and helped me save up.
Not hard to take your life or debts seriously. People need to grow up
But what about the "college experience"?!? ( oДo)
@@fsmourathe college experience is the stress he is feeling with those loans.
@@fsmoura I know this is a joke but I literally still had the college experience. I joined a fraternity, inter-mural sports and more.
Criminal justice is not underpaid. You are lucky you even were even able to get a job.
@@joshua38410 don't know who you're talking about
He is not selling that car😂
I think he will. When he comes to his senses.
80k for 24yr old w 4yr degree in supply chain is BS....have MBA & ASCM CPIM certification w 10yrs sourcing/purchasing & can't find a 80K job myself
I'm worried about 18k loan payments, but I was totally okay with 30k loan payments for my car. Like the student loans only let me make a lot of money, hate to pay for that. But my car makes me look cool, worth paying for that
Great point!
Basically wanted tax payers to buy the car for him by paying his student loans
You don’t know that. Many people including myself was not be betting on student loan forgiveness
@@noahzero9380 Then hopefully you were paying on your loan when the interest rate was 0%.
This is the point that I try to make all the time.
Forgiving student loans is like doing favors for someone who is broke because they spend all their money on drugs.
Something that totally changed it for me that Dave said is “that’s why you live in that house, because you drive that car” when he was talking about driving through low/middle class neighborhoods & seeing BMW & Telluride parked out front of a crap house. Idk why people think they need these cars. I drive a 2013 Highlander lol paid off. I’m happy as a clam in it
I work in Logistics for a retailer, and a starting salary of $60Kish sounds about right for that field. I work for one of the Fortune top 100 best companies to work for in America, and we do pay around $80K in our department, but those are first line managerial positions that normally go to those who have been there for a little while, understand our culture and operation, as well as demonstrate they are competent enough to lead our team.
And you can be competent to the point that you run circles around everyone else and still not get paid. It doesn't always make a difference as to whether or not they actually pay you.
Is he has a BSN, he should be making 80k a year.
Anything that is an ASD, should be 50k an lower
During the loan pause I ATTACKED my student loans. I don’t understand anyone who passed up ELIMINATING their interest and paying off the principal with NO added interest. It was a historically unprecedented opportunity that so many failed to use to their advantage. What makes this whole student loan complaint so dumb is that people had three whole years of loans on easy mode, passed up the opportunity and are now complaining that they are required to be adults and pay their normal loan like they would have in 2019.
I just got new tires on my 7 year old girl, so I'm good to go for another 7 years and 75,000 miles. Going over a decade without a car payment feels so good.
7 year old girl sounds super creepy, maybe think about me phrasing there
@@MsQ275 By definition, all modes of transportation are girls.
@@kleindroppernobody cares
...that's not how tires work...scary...
@@user-mf4gz3sp1q it's not? My last set lasted 7 years and 75000, and I think my warranty is for around that much
Love FPU gifted to get this young couple on track so they'll have a promising financial future and stop the common pitfalls.
Homeboy wanted the free $10k as he flies by you in his new whip
😂 maybe he wanted the free $20k to be completely student loan free 🚗💨……….
😂😂😂 Exactly!
You signed the paper, youre responsible for it
Okay, Boomer
@@joesabah6199It's not going to be forgiven. You're crazy if you think it will be.
@@joesabah6199 Okay slacker
@@joesabah6199ha, ha, so only boomers pay on debts owed?
He never said he wasn't.
I just bought a 2014 Nissan Versa- paid $400 for it- gets 40 mpg- paid for- love it- no car payment!
Yuck!
Just paid mine off, couldn’t care about the freeze anymore and it felt great to be done.
The cars the bigger problem. Ditch it, as per the student loan debt people should've been paying them off when the interest rate was 0.
knowing your worth as new grad is so important. I still remember coming into a job shortly after getting my 4-year degree, having only worked a summer job, and made 30k in my currency. A girl i worked with who'd graduated same school and program a year ealier asked how i got to so much money bc having been there a year she only made 26k. the answer was easy: 30k was median for new grads when i looked it up so at my first job i asked 30k. when the summer job ended, i said to the next company i can't go below 30k and got 30k again. A year and some months from graduation im now on 32k.
I drove beater cars from age 16 to 30, invested the "payment". So, I totally agree it can be done, but Dave over simplies things like a champ! I broke down a lot, was without a car for 2-3 days at a time, spent a lot of money at auto shops...but i lived in the same town as I grew up, so family and friends always helped. If you move right after college, away from everyone you know, a beater car is a little trickier to own.
Yep, owning a beater has pros and cons. I was on my own and didn't know anyone and had my beater. I'd google car stuff before heading to the auto shop so I wouldn't get taken advantage of. Plus showing up to work in a beater will affect perceptions. The guy with the nice truck might get the promotion to manager since he "looks" the part and can entertain the execs.
Millions of student debt kids are screwed
Na they fine just pay off the debt might have to sell the silverado 2500 boat and both Harley’s and quit eating every day
No they're not lol.
@@Jmack1llaHeck ... I paid off $50k of student debt in 15 months on a salary not a ton higher than this kid's. Just budgeted carefully, used all my extra income (and side income from photography) to pay it down. He should have no trouble axing that debt in six months, but he has to get rid of the $30k car. That was stupid on steroids.
good thing i never went to college sucks to be them
They want to keep 100% of the benefit of their degrees to themselves and also keep their 30K car while handing the rest of us their student loan debt to pay off? Oh, hells no.
I saved up money during the pause. Had about $15k left on the student loans when the pause was put into place.
Dropped almost 10k on the student debt this month. Payments went from $300 a month to $130. Interest rate is just above 3% which is managable since my HYSA is above 4%.
Plan will be to make payments every month and use bonuses earned to pay more off in lump sum once a quarter. Im in a good spot and its so surprising to me that many people didnt do this.
Supply chain is not worth 80k out of school. Dave is off
Depending on what state you live 🤔
And then what? You are still paid below market regardless.
Depends upon what "Supply Chain" you're referring to. Managing raw stainless from China to an auto plant in Michigan or directing Home Depot deliveries from the regional DC to local. It's not all the same "Supply Chain".
That is true. But the caller did specify "transportation/logistics", which make up the majority of the jobs and that is what I was referring to.
Dave is old , people with degrees ain’t getting paid shit , my boy got a masters and he get 28 a hour and I get 25 with my AA at the same job doing the same shit 😂
My 17 yr old son makes $17 hr at the Taco Joint here in my city. That's crazy.
$30k is what the average used car goes for now.
His car is almost twice his student loan debt? Holey Moley this got to be the top 5 dumbest call.
I will admit I was pretty dumb at this age too.
Im so glad i never got student lones!
Average salary for a transportation logistics specialist is $49,333 per year according to Glassdoor
That’s without the supply chain degree
Dave overestimates starting pay in many fields.
This caller gonna get roasted 😂😂😂
Supply chain is not a “real” academic field. $60k out of college to learn the job is probably pretty good.
Polite kid. Just a bit irritating that he had the nerve to come on and complain about 18K in student loan debt making 60K straight out of college, and yet ignoring the more obvious issue (car debt).
He’s a sharp kid. He’ll do great. Good fortune to you, young man.
Joel, you are gonna learn the hard way, my friend. GL
Dave overestimates what a college grad makes out of college and underestimated what a decent car costs
Dave he is not under paid right out of college. Employers don’t give a damn about college degrees for entry level prospective employees with NO EXPERIENCE! He doesn’t have a medical license (ex: RN ect) and don’t deserve 80k right out of college Dave! You are uneducated about the workforce. Most of these cheap corporations don’t even want to pay experienced employees with a degree what they deserve. Bachelors degrees is not the automated ticket for getting high salaries right out of college 🙃
The guy who compared his father with more than 2 decades of experience & I’m sure a Master’s degree (professor) is delusional to compare this rookie college graduate with. Like comparing apples & oranges. I don’t understand why this guy called in the first place, his expensive car cost more than what he owes on his college loan. And I’m sure he & fiancé will have an expensive wedding with outstanding college debt, make this make sense! Smh 🤦🏽♀️
Dave spends his time investigating high earners
There was a guy in my country who made $60k/year that went bankrupt after buying a $30k car. He was making payment around $600/month, what didn't occured to him, that sucker managed to drive up additional cost around $800.. His family was living on $4.5k per month which included mortgages and living expenses, so by buying that car he was on deficit by $900 ...
Joel ... I paid off 3x that amount in 461 days making a bit more than you do. Sell the car, pay off the loans and get a $10k car until you and your fiancé tie the knot, then upgrade.
I know someone just like this. Made a big scene and cried all over social media about not getting student loan forgiveness and how his life was seemingly over without that aide. 2 weeks later he goes and leases a brand new 2023 vehicle. I just have no sympathy for these people anymore.
That's they're way of dealing with stress...good luck with that. 😮
Yellow Trucking has entered the chat
The car is stupid, but Dave is out of touch about his and his girlfriend's pay. A 4 year degree is not enough to guarantee an 80-100k job out of school. The job market is tough and upgrading from 60k with no experience right out of college is not an easy task.
It’s pathetic how put out people feel when they have to pay their own student loan debt. They somehow feel entitled to expect others to pay off their debt
Sell the car, deliver some beans, rice and pizza-no wait ( o.o)
This is typical what millions of students did thinking they would not have to pay their student loans.
This guy needs to wake up and grow up. His car is half of his annual income. Laughing about it is childish!! My kids both have degrees, and have good incomes. One drives an $6000 car, and one drives a $3000 car. Buying a $30,000 car would be, and is, insane!!
Dave thinks everyone makes the top range salary for everything? Just starting out in that field, you won't.
His car is that that expensive.
Exactly. Between him and his girlfriend their salaries are not bad for 24 year olds. Their main problem is the car.
@@wreckers_band8825the main problem is that the dollar is worthless abd jobs don't even pay for rent while Ramsay hordes dozens of rental properties
My brother did the same thing after he graduated college
I still drive a beater to this day
This guy is underpaid??? I’m almost 40 yrs. old, with a college degree and other certs, debt free, but making sub40k… Why can’t I find a career path that values me and my work?! … probably because of how my profile image looks… 😅 seriously though. I feel like I’m well equipped to be successful, but it seems like I don’t have the network.
What's your degree field?
@@krogdog Graphic Design… it’s a field that can make you 35k at a copy shop, or six figures working for a big ad agency or doing UX Design. It varies greatly. In the end I think my problem is that people don’t believe in me because I don’t believe in myself… yet at the same time having a healthy enough ego to know I should strive for more. I just feel stuck. Still consider myself blessed, but stuck.
Look into retooling as a "front end" web developer. That's 65-75k minimum your first year. You can teach yourself HTML,css, java or take those classes at a community college. With graphic design skills on top of that, you will be very in demand.
It is very normal to make what he makes right out of college.
Not in a field like Supply Chain, where you are constantly surrounded by idiots and losers. Having a career field where you are surrounded by smart people gets you paid.
🎵 _Gimme free stuff!_ 🎵
🎵 _Gimme free stuff now!_ 🎵
Dave I'm trying to impress my girlfriend with my 30k car loan duh!!😂
He's trying to make up in other areas like height and lack of muscles.
@@Primitive_Code Really...she makes $19 bucks an hour and has a 4-year degree.
It's doesn't take a $30k car to impress her.
I'm sure she'll be just as impressed with a happy meal (use a BOGO coupon).
@@steelcastle5616she could be eye candy. I've seen a lot of them. They make minimum wage but status goes up due to their looks.
@@Primitive_Code That depends on the person doing the looking.
@@steelcastle5616 Where can one acquire said coupon?
I've always wondered what the goal of a criminal justice degree is? When I entered the police academy (now retired) they said that was one degree they didn't like to see. I spoke with a lawyer who said it's not used for law school, so I just don't know what that degree is for? That may explain why she's working for $19 an hour.
I have a forensic chemistry degree so I took a lot of classes with CJ majors. Most became cops. One works at a halfway house. Then another does research.
Now the forensics degree is more worthless in my opinion.
I wouldn’t buy a 30,000 car with 150,000 in the bank
I wouldn’t buy it with 3 million in the bank.
@@joycewright5386 true
I give away all my surplus savings anyways
You’re right, I would never drive anything over 12,000
Why not?
@@OGtruthserum not worth it
Cars over priced
Get an A to B and send the money to Africa
@@EricSmyth4Christ Wish Gen Z would think like you.
I make $100K and could not imagine spending $30K on a car.
I make $130k and drive a $3k car with 500k miles.
I have work vehicles for a business. If you gather all 5 up, they ain't even worth $20k total.
18k is nothing for a student loan. could have just paid off his loan instead of getting the car
_"So, what does she make?"_
_"Oh, no, her money is hers only . . ."_ (" -.-)
I thought a criminal justice degree was one of those useless oversaturated degrees.
that hair stuck underneath the black tape on Dave's mike holder has been bothering me for the last several videos
$80,000 salary yet underpaid?? I would say overpaid.
Did he just say “Hi, Ramsey” 😂
“Oh god what am I gonna do about my 19k student loan debt”
*has a 30k car loan.
This kid is your typical person that was counting on student loan forgiveness. Time to grow up.
John is comparing his father, with decades of experience. To someone just out of school, and are just starting their career?
Right, he is delusional! Why would I take advice from him?!! 😅😂
Professors don’t make great money either in the liberal arts. It’s primarily business, medical, and law profs that do well.
Most in the liberal arts, including education, do better in the field than working at a college or university. Of course, the workload at the university is much lower and the hours are much better.
Regardless...a person with a 4-year criminal justice degree should be making more than $19/hour.
And so many police departments are looking for officers that they'll take recruits with no experience and/or degree.
@@steelcastle5616 maybe $2-3 higher but that’s about the going rate for a CJ degree starting out. People need to know these days that what you study is generally what you plan to work in. Most jobs require specific degrees that don’t always allow broad overlap.
@@steelcastle5616police forces aren't paying anything
Dave ~ jobs aren't paying loads of money
1. Sell the car.
2. Pay student loan
3. Delay the wedding until you have cash to pay
This is the houston market we are talking about. Companies do not give fair pay in Houston; I have been here for 10 years with my wife. It is every bit of a proper game when it comes to fitting in and making a fair wage at a company. You typically accept sun par in Houston or leave as you have a line out the door ready ti bid your jobs pay down. These companies here are purely greedy and ruthless when it comes to any type of human dignity that lies outside of their profit motives. Of course you can find some good ones but in my experience, this is how the Houston market is in general.
Meh, 30k car is not so bad now depends on the interest rate
Like 500 a month not some insane payment
Its completely idiotic for someone in debt and just out of college.
My rent is $600 a month. I'm about to retire and I've owned five cars. The total buying all of them in cash is $25,000. One was given to me by my parents
@@georgewagner7787 5 cars added up only worth 25k? Come on those are junks
@@kleindropper 18k student loan is not a big deal
30k car with tax and fees its like a 26k car, its barely a civic or accord
@@johndone8045 We love pulling up to stoplights next to people like you in our rusty, beat up 1990 Toyota pickup. They feel sorry for us. That truck has brought home over $80k in firewood the last 15 years. We've never had a heating bill and run three stoves - main house, shop, and outdoor hot tub system with it.
I'm 35, we're starting to move all our stocks to US Treasuries so we can just live off the interest. We have three houses in 2 countries, two nice boats, an airplane, and a yard full of heavy equipment. After paying off the properties, the money has just piled up.
He says driving that Toyota is better than stealing.
He needs a Nissan Sentra with 150k miles.
$16 hour is common as well. The salaries out here are ridiculous
Who learns anything with a four year degree? I work in accounting & tax. In my experience most kids are starting work right out of completing the masters degree and don’t know shit from shit. They enter the work force to learn. It’s ass backwards nowadays Mr. Ramsey.
I’m an EA and concur most recent grads dont know shit.
What’s worse - they dont know they dont know shit
Most kids don't want to learn either way, so you are wrong,
No retailer, including Target does NOT pay 19.00/hr Just out of high school Dave.
Take home is over $40K, he should be able to live on $20K and get rid of his student debt in a year.
Live on 1600 dollars a month? In what reality?
he is not gonna do anything, he giggles and laughs while in big debt. ohhkay
Sell the car, buy a banger, beans and rice, pay off student loans.
This is crazy, you can get a nice used car that looks and runs great.
But it doesn't impress people you don't know/like!!
But i wanna i wanna!
@@fsmouraI have a 2005 convertible BMW 635ci. It still runs great and looks better than many peoples cars that are new......Mint and cherry well built cars hold value.
And the caller, who is probably forced to work 50+ hours as a salaried management employee, only makes roughly $23 an hour when you break it down. Who would you say has it better?
And you decided to pay interest on a $30,000.00 car loan when you could have been paying back a student loan, interest free for the last 3 years? I thought you were a smart college grad. I just don't get it.
Dave doesn’t realize most degrees are worthless.
No such thing as useless degrees, only useless students.
He does
Do you watch him? He says that all the time
What he doesn't realize is that when his generation imported millions upon millions of cheap laborers so he could keep his rentals clean for cheap it also made it very very difficult for his kids amd grandkids to even survive. Investment class (401k and IRA people) ensured that everything would be commoditized and only the people that got in early would benefit. Look forward to pi$$ing kn dave ramseys grave some day
college is nothing but a business
Well nowadays it’s better to have a reliable efficient car than a car that’s in the shops every 2 months. Imagine commuting 1hr a day to work in a beater and expecting it to 100% get you there daily 😂
I drive a beater. Other than routine maintenance that is necessary regardless of the age of the vehicle, we've spent maybe $600 in repairs over the last 5 years. Do you seriously think paying that much every month on a car loan is more economical?
Different comparison, My son drives an even older car than I do. 2005 with over 200k miles on it. He has spent $1400 in repairs since buying it a little over a year ago. That equates to about $100/month. Even that situation is better than the cost of modern-day car loan costs.
the caller should see if his employer offers some sort of program. Mine offers a match with student loan payments so I am taking full advantage of it.
Student loans!!!
Sorry, but I'm not sure this caller should be "congratulated" for marrying someone with a 4-year degree who makes $19 an hour (Burger King wages...).
In Nasville, TN you don't need a college degree to join the various law enforcement agencies, but if you do have one you can start out at around over 60k per year w/ benefits.
It's hard to believe in this economy of low unemployment, these two can't get better paying jobs.
It is due to the college grift. They drank the Kool Aid.
This guy is laughing at Dave telling him he is severely underpaid. Crazy.
Dave is so wrong. 19.00 an hour with a criminal justice degree is pretty good. She doesn’t have a social work degree. Children services jobs pay horribly.
Just don’t pay, they can’t send you to prison.
No, they can just garnish your wages, accumulate more onto your balance, and ruin your credit score.
Good plan.
@@Mavryck_Tha_Myghty Biden isn’t garnishing nor the Dep of education
I can only imagine how piss-poor your finances are with that kind of ‘just don’t pay’ mentality
Prison would be a joy compared to what they can do do you when in default. If you really want to see your balance skyrocket with fees, interest and even court costs, by all means go ahead. Or they could just call in the entire amount and force you to pay it all at once.
Paying off a student loan is pretty dumb at this point
It’s time to pay up. 🎉
Preach
0:10 "Hi Ramsey, how are you doing?"
Why would anyone pay back these things?
1:48 lol those 4 year degrees are worth less and less it seems...
No worry about taking out the loan? No qualm about spending the money? Personal responsibility not your forte?
No question, you lack integrity or honor, it's obvious.
It's a predatory system.
@@dungeonmaster6292that's a good reason to freeze interest, not forgive debt entirely
“You bought a car that indicates you were doing drugs” right before he mutes him 😅
🧭🗺🌏🌋
✝️🙏
he makes good money for someone right out of college LOL. he needs to work on not spending all his money thats it. I know people that have had the same vehicles all costing under $6k and lasting over 4 years easily. People spend way too much on transportation for no reason
🍚 and 🫘