I'm About to Take On a $300,000 Student Loan!
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- Опубликовано: 30 июн 2021
- I'm About to Take On a $300,000 Student Loan!
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I do not understand why the caller reached out to Dave. She is already following her plan full speed ahead. This does not make sense to me.
I agree. Perhaps she, for some reason, thought he would validate her pay-off plan.
Perhaps she thought that Dave Ramsey would bend his principles because she was going to study Nursing. Well, Nursing is an excellent field, and you will never be out of work. However, her plan sucks. Big time. And I don't just mean the finances.
Why’d she even call to ask if she already took the loan out.. lol
She asked for help developing a good plan to pay the loan back.
@@skoolie_life3261 It sounds like she had a plan to pay it back. I think she wanted a professional opinion on it or validation. I hope the plan works for her and her family.
she wanted to see if Dave would have endorsed her decision. Obviously not
Right???
@@skoolie_life3261That is NOT what she asked. She said the baby steps didn’t work for her and what she should do.
Not, “a year ago I went into a two year program that cost me $300k in loans, how do I knock that out”?
Totally different conversations.
“I would just live my parents if I had too”
She got over the breakup pretty quick.
Frs like she’s okay to whatever happens to her
hahahhahahaha
@@gooseunit5931 she doesn’t have anything to lose with that parental safety net.
Who said the parents would agree to that, anyway?
@@Turcomichael Except if the parents don't want their daughter and their grandson moving back because playing house didn't work...
My ex pulled this on me , she went to CRNA school used me to help her get through CRNA school. Then left me right after graduating. I learned my lesson
How much did you pay for her ?
@@stormbringer717 Enough to make her the world's most expensive prostitute.
I know a few women who stayed with a guy supporting them through school then left them after graduation, at least one with forethought. Don’t invest in a partner that isn’t your husband or wife.
Your fault
I can’t imagine calling Dave up and saying, “The baby steps don’t work for me”. 😀😀😀
I can. It'd be a pretty funny call.
Hilarious 😅😂🤣
Hahahahaha 😂😂😂😂😂😂.. Dave, are there some other baby steps I can follow apart from the usual baby steps???
😂😂😂😂😂😂
Dave, “Dont jump off the cliff”
Caller, “But if im jumping off the cliff what size parachute do i need”
Dave, “dont jump off the cliff”
Caller, “I already jumped off the cliff”
There is no cliff to jump but stairs to climb for a greater future. Invest 300k to make more than 200k a year is definitely a great financial decision. It is better than buying a house with 300k mortgage while you make 70k in income.
Atleast the chute is big enough
when Dave shakes off his head "That's not what you said!" lol
@@tvuser5557 There is a huge cliff, you are taking it as a math problem. This is a people problem.
There are alot of single parents that quit studying and yet she will have the debt. There are alot of people that quit studying period.
IF EVERYTHING GOES PERFECT you are correct. But that's the thing with debt, debt is guaranteed, finishing studies is not. As DR says, he has met people over 30 years that quit college for all kinds of reasons.
If she takes a loan and quit it's a huge set back.
If she takes a loan and stop working while studying, it's a huge pressure on her boyfriend (by the way, I think he is being used heavily)
If she takes a loan and finishes but wants to become a stay home mom, there is huge pressure on her boyfriend or worse her parents.
If she saves first or pays as she goes, all of these bad outcomes go away. Don't go into debt, DR is 100% correct, life happens and debt never cares for what happens to your life.
@@tvuser5557 but to his point… if she doesn’t finish you have 300k in debt with no asset to back it up. It happens all the time. My coworker went to pharmacy school and dropped out… hated it. But was left with 125k in student loan debt with no job in that field. Absolute idiocy. But hey… do whatever you think I guess.
I think the scariest thing in this world is you never know someone's true intentions with you.
Most underrated posted I’ve seen.
100% agreed Wade. Well said.
Yes
Boyfriend is convenient, but a doctor would be true love!
She doesn't wanna marry him. She's pulling out BS excuses not too, plus you can hear her groaning when Dave tells her to get married. She just wants a free ride to her new career.
Dude gotta get out
Bingo
@@jongolden2223 spot on
"really small wedding" = don't want her family to know she's with him, doesn't want any social consequences when she divorces him. Women in love want to show off their dude to everyone.
Her boyfriend is going to see this. He showed her this show.
People with excuses never improve in life.
She had so many excuses 🙄
I had to go back and listen to it from the beginning again. While she didn't say she wasn't already in the program, she certainly presented this as an idea and not something she was already in.
She's all over the place. She has so many excuses not to get married. Thinks living with her parents is a solution if she loses the boyfriend. 🙄
The best part of this call was Dave hitting the mute button. 🤦🏾♀️
And she brought up being a single mom but later say she had a boyfriend......
Her boyfriend is going to see this. He showed her this show.
@@bBlicky93 Yeah, I noticed that as well. A sketchy woman. I hope she is a better parent than she is a girlfriend.
I was just about to post this in the comments! When he pressed the mute button i was like 🙌🏾🙌🏾🙌🏾🙌🏾😂😂😂
This woman is totally mixed up. She has her mind made up before asking the questions.
She was looking for DR to co-sign her situation.
She wants somebody to blame if/when she fails. Hence looking for validation now.
Yep. Typical of a woman like this. Single mom needs a substitute daddy and someone to pay the bills while she goes to school. You’ve been played bro.
She isn’t very wise. She is a single mom for a reason lol
Right! She wasn’t gonna listen to any critiques he had, she just wanted him to give her the ok so she could feel better about it.
So she's ok having children without being married, then just go to the courthouse and sign some papers. 🤦🏾♂️
Stop 🛑 the cap 🧢. Stop dating baby mommas. Kevin Samuels says this generation of women want to be baby mama not a wife!
This generation sees nothing wrong with that 🤦🏻♂️
@@roolyfe it's no new news that women and men don't think on the same plane. It seems often times too easy for a woman to just divorce so they can do it without a second opinion and great child support backed by the govt. It's a crazy world out there.
facts
@@roolyfe yup
Sigh, this guy is nothing more than a ATM machine to her.
Simpin is an expensive hobby
Her boyfriend is going to see this. He showed her this show.
@@NoNegotiations great point.
Most are lol.
She like most women don’t care about the men
This caller is exhausting!!!! I don't think she wants to marry this man. Poor guy is being used.
They're using each other, apparently. He doesn't sound like much of a man.
Using eachother. She started by saying she’s a single mum
Should’ve had her Bf call in. Tell him not to pay for gf’s, only wives.
We need this printed out and stuck somewhere public. If she cannot commit to the guy, what entitles her to his money?
Run dude RUN!!!!
"we want a really small wedding"
no you don't. you don't want to get married at all.
this girl is problematic. "I can live with my parents if I have to." Glad you're parents are your back-up plan after your boyfriend- seems odd to me.
she's probably still trying to get in a word and doesn't know she's on mute.
😂😩🤣🤣🤣
"Dave, your baby steps don't work for me... come up with a new plan for me." The balls on this woman.. hahhaha
The boyfriend needs to run far away from this caller. VVomen like her can’t be trusted.
Run like Usain in his prime!
Boys will be boys, and boys like to simp hard for bad women that Chad pump n dumps for free.
Probably has more red flags than a Chinese parade
Some dudes need to learn the hard way.
She won't listen to Dave anyway, so why bother calling??
she did the bait and switch..........with dave
shes going to b in debt her whole life
Because she is privileged! “Mommy and daddy” will care of her. Remember that!
@@abdulaliakbar1175 I was stunned when she said that. Do her parents really want her bumming around as a backup plan?
Imagine this girl giving you anesthesia. I think I would decline.
Her-"Whoops"
Oh sorry doc I forgot to tell you... That patient is still awake
Nurse: are you planning to do an epidural?
Mom-to-be: im not sure yet, I think i wanna hold off on that
Nursr: oh but we already gave you an epidural
dont mistake financial stupidity for not being able to do your job...... MOST people that are great at their jobs are horrible with money....like i havent dated a single women good with money and a plan to retire
Bingo
Boyfriend needs to run fast
This chick is playing this guy. She’s waiting to finish school and find a doctor to marry. This is the “get me through school” guy.
hahahaha
A doctor is not going to marry a single mom in her 30s.
she doesnt need a doctor. She is going to make a ton of money after this training. Nurses can make a killing.
@@jaquesstrappe7664 that’s messed up tho is the guy like a bad boyfriend cuz his income is not bad
Her boyfriend is going to see this. He showed her this show.
Caller: Let me lie for the first half of the call.
Caller: "Hey Dave, can I have it all?"
Dave: "Nope!"
Then slams the mute button! XD
🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
😂😂😂🔥🔥🔥
Yeah, see how that “love” mysteriously will disappear once she gets into that new career.
May be book smarts, but not street smart- be honest with Dave from the beginning. She may be using her boyfriend just to support her through school; I’ve seen it too often.
It’s not even about smarts, she may be smart but lacks wisdom entirely
@Addison Calhoun where? Lol
@Addison Calhoun well he they should marry first before he becomes that dutiful haha
@Addison Calhoun Yep. Simp city.
That’s probably the case with him, but generally speaking medical is going to require six figures for schooling. Unless you already make six figures you’re not cash flowing that. We don’t all have rich dads willing to pay. As long as you tackle the debt immediately with your better income it can be fine
This generation is so morally confused regarding marriage and single-parenting.
Nah, that goes back at least
50 - 60 years.
I’m a part of this generation, we are very confused and Misguided as a generation. Not all of us, but many
They think its some sort of game where two people who like each other should move in and have kids straight away.
No. We just don’t feel pressure to legally sign on with another person. If you like each other stay together, if you don’t split up. The older generations stayed married because it was frowned upon to get a divorce, or the women didn’t have many options other than to stay, even when miserable. Now everyone has options so we don’t feel obligated to do anything. We love it!
@@mercedescardenas03c No, it's a trainwreck out there. So much confusion and instability.
She wants Dave to approve of her plan so she can convince the BF to stay and support her. Barring that working, she will run home to mommy and daddy. Sad
This call is such a mess.
She made her mind up wayyy before the call
"Just stopped working"? Edit - "I can live off my parents if I have too". Red alert!!!!!!
She needed help paying the undergrad loan of $30k. This won't end well...
Yeahh.. this story ends bad.
I doubt she "needed" help. She just has the tendency to use ppl, whether its her parents of bf. 30k loan is not bad for her someone who makes her salary. Plus RN has the potential to make a lot more than thag.
This call scared the beejeezus out of me
She is crazy. Red flag warning
Me too.
@@kartboarder22g17 shes not crazy
this is how people think.. at least she picked a field that pays well
what she doesnt understand is that they did a study and found going from 80K to 250K doesnt increase your happiness
@@dagobaker of course money does not equal happiness Even if you have a plan it does not equal happiness I know that
@@dagobakerSo… crazy.
She misrepresented her situation, and doesn’t seem to want to get married. Dave is right, he’s paying for a girlfriend to get high pay job, that it sounds like to me, she will enjoy with the next person she does marry :(
The fact that she quickly listed her parents (?!) as her backup plan demonstrates that she is not fully committed to this man. Yet he has to open his wallet for her education, and to look after her child. Utter selfishness.
The number of doctors and lawyers, na, pharmacist would be about 75% less if everyone followed Dave's advice
Old man Dave is crazy, I’m gunna study pharmacy and make 120k minimum outta school, it helps to have connections.
Or the price of the degrees would go down. It's amazing how some good state colleges can get by on $10-$12K / year while other colleges need $80-$100K for the same thing.
That's great, the market is already flooded with people who study law for status.
In many European countries, it doesn't cost an arm and a leg to get into medical/law school.
The USA educational system is a sick joke.
Some of these CRNA programs don’t allow students to work!!
Not some, ALL! It makes it REALLY difficult to actually become a CRNA unless you are independently wealthy or married, if you are single forget it!
I know I'm not the only one that facepalmed their self
No, you aren't. This was a stupid caller
You know she's still talking. Dave mutes callers when he's heard enough and wants to tell his side.
The caller should have specified from the beginning that she is in the nurse anesthesia program. 😳
She gave me a whole headache. She was much skating around the facts too much. They better go to the justice of the peace and have an actual wedding later.
@@saulgoodman2018 Lol, sure
She’s not. She’s in a nurse anesthetist program. An anesthesiologist is a physician
Dave doesn’t listen to his callers if he did he would not be so confused.. as soon as she gets that 205k and loans are paid off she gone
Yeah I ain't letting no girlfriend lives off of me
She has her own answer for everything. At that age you know everything. 😂
28-30 is the biggest gap between knowledge and wisdom.
GUUURRLL!! Get the marriage papers TO-MORROW! and have the ceremony LATER!!
the poor boyfriend , paying for her education and living, along with kids that arent even his for a girl that doesn't want to get married. she is going to use him for money then just leave one day
This dude she’s using is the dictionary definition of a simp
She isn’t using him. She is living on her savings. And when she graduates she will make way more than him.
I don’t see the point of marriage in general but I feel like she’s just using him until she gets her degree
I'm a nurse and I can tell you that a lot (not all) nurses are very unstable people. I do not think it is a good idea. It's a possibility that she may find the field more draining than she anticipated. It would stink if she was stuck in a job that's no longer a good fit with all of the debt.
Nurses are some of the most unwanted women 😂
As someone who dated a nurse one of the best lays I’ve had but she was nutty man
I've never heard that one, "Paint or get off the ladder." LOL
7:38.. "I'm not sure he should pay for his girlfriend's education"...there"s the red flag for you boyfriend...
And next he said 'wait.. I'm sure he SHOULDN'T pay for his gf education !!'
Caller: “I’m waiting to finish school to get married”
Dave: “Put your scrub on and go get married”
I'm sure Dave wanted to save the boyfriend.
She couldnt pay 30K undergrad and wants to take 300K...
Young Lady, continue your program. You are young and have more than 30years to work after your program and with 200k income, you can do anything, take life insurance if anything happens to your, insurance will cover your loan. Education is a financial investment like anything else.
$300k seems a bit overpriced for CRNA school. I believe it can be done for around $100k. Employers will also help pay for it.
🚨I was in the same boat toward the CRNA boat, but turned down the acceptance offer , going to work and save money towards it instead of loans. Thanks Mr Dream Killer 😂😂
Hey, you're a rockstar! Keep it up!
How long will it take to save up the cash to pay for it without loans and pay the bills while in school?
@@josephburton3232 Depending on your lifestyle, whether or not you’re married, and what nursing (or additional) jobs you’re willing to take, it can be just a few years. CRNA school does NOT cost $300k. Saving the actual $100-150k it actually costs only requires the same intensity as some of these folks have paying off their debt-so it’s up to the nurse looking to go to CRNA school to determine how long that will take.
The lights were on but no one was home.
5:14 "We want to get married but we're renting right now." 😢
DAVE: "Renters get married all the time!" 🙄
Girl is on Pluto right now. She's got the cart on Neptune but the horse is back on Earth. When boyfriend sees the video he needs to get out as soon as possible. This situation is dangerous, and he's already suffering under this girl's lack of planning.
Anyone who works customer service jobs for very long eventually learns that "I just want to clarify" is code for "actually, I was lying".
Ain’t that the truth
The energy of Dave when ending the call... priceless 😅
OMG run boyfriend! She is using you to fund her degree not to set up a good family situation. This girl (not woman) is extremely selfish.
Her boyfriend needs to run as far away from her. She ain’t for him. She just gonna use him.
I think Dave just likes saying Anesthetist
As someone who has followed Dave for years now I can honestly say he’s helped me in so many ways. I’m 26, have a college degree paid for in cash, a car I own etc etc. With that being said, if everyone went to school following his rule of not taking out debt we’d have a shortage of engineers, doctors, nurses, physical therapists, lawyers, etc. I picked a cheap degree
Exactly. Immediately after Dave says “I’m not going to tell any nurse anesthetist student to take out loans,” I would looooove for him to elaborate on how he expects those students to save up $300k for the degree. It makes no sense. Is it a little risky? Yes, but professionals have the lowest rate of default on student loans of any group, and she would be able to pay that off in 2-3 years (like Dave admitted), whereas saving up $300k on a nurse’s salary would be much much longer. Dave’s advice doesn’t really paint a workable picture for professional degree programs.
Makes it easy if you’re making 200k starting….
@@srihcadi5383 Easy for you to say. Its out there, but its rare.
You also have to think if people weren’t taking out debt colleges would be forced to lower tuition to keep their enrollment up. Supply and demand works for college to.
College is so expensive because we can get loans for it. The government backs/creates theses loans, so even if the cost of tuition doubled overnight, we would still be able to get loans. If people stopped going into massive amounts of debt and went back to paying cash for class, the cost would decrease because either way, they'd need bodies to fill those seats. Supply and demand. Tuition will continue to increase because we will continue to pay at these prices. Oddly, it's the trades that have much better ratios. My plumber charged us almost $200 for a quick 30 min fix. If he even went to a trade school at all, he didn't pay tens or hundreds of thousands of dollars for it. He also has a very secure job.
Unfortunately, she using this guy. As Dave said, she playing house. We read it or watch people breaking up , once the debt is paid off. Dude come across like a simp. No way I am paying her debt. We paying it together as best case If we.gotten married.. the caller is avoiding to get married. She using all kind of excuses.. She can go to court and.sign paper work. I bet she used her parents to paid off undergraduate degree. Now, she going to used the BF.
Dave if no one took loans for medical professions we wouldn’t have doctors or nurses.
Dave is too ignorant to realize that. He paid for his kids college but scolds others for trying to make it on their own.
If i was Dave lol, i wouldve hung up the phone on her for the next caller😂
I just want to know how long it would have taken to save 300k. Not everyone wants to wait a decade before attending school. She should have just paid off the debt when she graduated and not called Dave.
Paying all that money for a woman. Madness.
That is a crazy amount to borrow. She could just go to medical school for that money.
Nurse anesthetists make the same and sometimes more than doctors.
@@pojack9979 that is great. Seems like crazy amount to borrow but also a crazy amount of salary
I really don't like how she wasn't forth coming initially. She wants help but doesn't give all the info. I Don't trust her.
There's more to this story that she isn't saying.
Gentlemen, never date single moms. This is why right here. Nothing but a headache.
She found a Beta simp to latch onto. Guy is being used.
Why is her boyfriend paying for all her expenses??
Considering newer CRNAs can get 300k salaried with large signing bonuses go for it
She called a year too late? This guy should not get married.
Don’t do it!!
There are so many hospitals and healthcare systems that offer continuing education. She could have totally gotten this without the debt
Lol my wife & i were renting when we got married. We bought a while afterwards, but I didn’t realize there was a law that says you need to buy a house before marriage…😂
Why do these people call Dave? Seriously. She needs to take loans if she wants to go to school
Her boyfriend is going to see this. He showed her this show.
This girl is why some guys like me struggle with women sometimes. She’s using this guy 🤦♂️
Yes, she's using him, and there are many red flags, poor guy being a step dad, supporting the girl through college only to be dumped. I hope I am wrong as that will be evil on so many levels.
Yeah, I am a woman, and I am appalled by her exploitation of her boyfriend. The least she could do is repay him with lifelong loyalty in a marriage union, since his investment is permanent and unrefundable. If her answer to marriage is a bunch of excuses, he needs to run. I would say the same if the genders were reversed.
Yeah I watched a CRNA Rhianna Ferial on RUclips explain how she was able to pay for school from the beginning of nursing to crna school. Her husband is financial advisor as well and flips houses... so you don't have to go into debt to get your dream job. She also did travel nursing as a critical care nurse and took the highest paying contracts. Just saying.
205 after taxes in NJ is like maybe 150k a year take home.
que
I was thinking even lower
you know what after taxes means right
@@Silidons91 apparently not lol
130k
This lady is living in some kind of fairyland. This guy will not get married to her because of this insurmountable dept she has taken on. The excuse(s) she gave, shows they have not finalized any marriage plans.
people are stupid
men especially.. they will probably get married...... and then divorced after a few kids........
so shes going to pump out kids.... and work full time?
good luck with that
Makes no sense since he already paying all the bills
@@dagobaker I have a child and work full time and graduated with a degree without any help. It’s not impossible to do.
@@vetintech undergrad or graduate degree?
i know what Dave says before even watching this video
Don’t do it
Sooooo WHY did she call🤔..
....Surely it was NOT for advice when she ALREADY made the decision🙃
Only aspiring doctors or those that have a 250k salary potential should consider this level of student debt.
She is a med student essentially.
@@butch4butch nurse anesthetist school is not the same as medical school. It does have ~$200-250/k year potential.
not, shes not@@butch4butch
She does not want to get married, it's completely unnecessary at this point
Excellent advice👍👍👍
Wow .. The BF needs to run. Why is he supporting someone who isn't his wife
She could have been a travel nurse and banked more than 75k
Also ppl have to remember to get 200-300 you’d be working in rural areas.
Why did she call in if she already has loan.
Right! Mommy and daddy helped her with her loan… privileged!
IF HER BF IS WATCHING THIS AND READING THE COMMENTS........RUNNNNNNNNNNNNNN
Bizarre caller! Why didn't she make it clear from the start?
I want to go back and get my masters... So I'm joining the army national guard so I can achieve my dreams without the debt.
Let’s not pretend like that’s not a ton of work. You’re sacrificing your weekends and potentially your life, in exchange for our freedom and your tuition. You’re making a bigger sacrifice and working harder than most millennials and GenZs can even imagine.
@@lyzziez he will be better off in the long run.
@@lyzziez who is pretending?
@@lyzziez it is tough work but very achievable and shouldn't be discouraged.
Good for you. I met with a few recruiters, and ultimately decided against it. Its ok I look better with a beard.
🤣🤣🤣"l am already in the program"
I do agree with Dave on the risk of debt especially in these situations . But, he does need to come up with another plan for his professional degree callers. Because unless you have family money it’s very hard and limited to pay 100% out of pocket including living expenses as you will not be working much if at all. And I never heard this call before. But, what would he tell someone to do who is already halfway through the program and needed to take out student loans to finish? Dave has good advice but always tip toes around these calls with no realistic answers for DMD, MD/DO, PharmD, ARNP, etc…I know he always suggest to go work for a historial/clinic for them to pay for your school. But, that’s is unrealistic. Very few and far in between. No one is going to pay for that.
Exactly. Dave doesn’t understand professional degrees.
100% agreed we’d have almost no doctors if it was done Dave’s way
So how exactly are people supposed to get these degrees without going into debt? You can't do these programs part time while working during the day. So are these degrees and programs reserved for only the individuals coming from wealthy families who can cash flow the whole thing? At some point you just have to take a gamble and go for it. If you're good enough to be accepted into one of these programs then you have to believe that you are good enough to pass the test at the end.
Exactly, I need to hear more responses to this post.
It's definitely possible! Rhianna Ferial has some videos on this very topic. Neither her nor her husband inherited any money. If you want someone to advocate for taking out student loans, Dave Ramsey is the wrong channel to watch.
@@irawr256 She travel nursed? That's the answer? You're gonna tell a lady with a 6 year old kid to go travel nurse? Travel nursing is great if you don't have anything tying you to an area and allows you to jump around the country to follow lucrative contracts. Rhianna also has a husband helping support her and pay the bills. That stuff is fine but what about people going to med school to be an MD? There's no preliminary job you can work to save up money for MD school. You get your undergrad then apply to med school. You don't work as an almost doctor and save up money before going to med school.
I like a lot of Dave's advice on debt but he has a total one size fits all mindset that just doesn't apply to some situations. This is one of those situations.
@@josephburton3232 Travel nursing is how *she* did it--I didn't say everyone had to follow her life exactly.
I'm not sure what you're after here. This channel is meant to inspire and support folks who want to live life debt-free and pay cash for things rather than get into debt. That's what this channel is about. If you've ever heard of Dave Ramsey before this, you knew that coming in.
That said, I'm solely focusing on the CRNA school idea here for the following point:
Let's take your example of single mother with a 6 year old and works as a nurse and flip the situation. Let's say instead of the $150k (which is a more realistic higher price of CRNA school--$300k is bananas) being a loan she wants to take out, it's debt she already has. Would you tell her she can't get rid of that debt within a few years? That she couldn't pick up overtime or pick up shifts with crisis pay and multiple shift differentials to make that money? That she and her child couldn't live below their means for this short-term sacrifice?
So, with that mindset, why couldn't she just save that amount instead? Now she doesn't have to pay interest on the loans, nor does she have to live like a pauper once she does make the salary of a CRNA. She and her kid could be financially free.
Again, this point is to this video precisely. As far as med school, I could see taking out loans, but even then I'd rather see someone make a financial commitment or work and save or get scholarships before diving in to a huge pile of debt, especially since they may not complete the entire program, as we've seen many a time on this channel. To each their own, though. Just know Dave won't agree regardless.
Student loan is one of the dangerous loans ever. It doesn’t go away, not even if you file bankruptcy. It took me 6 whole years to pay off mines and I’m glad I did.
Their faces are classic 😂😩😫😭