I Owe $150,000 In Student Loans!
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- Опубликовано: 3 окт 2019
- I Owe $150,000 In Student Loans!
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gotta admire this guys hustle and honesty, can't teach that. He sounds so heartbroken that he can't go to the gym lol.
Good on this guy for honoring his loan payments under his mom's name and wanting to use the bonus money for what he thinks is right. Hes in debt but hes got a quality that cant be bought.
Stay in the gym.
Without your health you have nothing
Maybe he has a gym at his apartment complex. May not be as good but do what you have to do or find a home workout. Many people get fit without a gym.
He can drop and do 50 push ups anytime. He can jog in place. Buy a pair of weights from Wallmart and lift those before and after work. You can always work in pushing your body even if it's for a few minutes a few times a day. :)
Yayy Areaa
People been taking care of their health long before paying monthly membership driving to the gym.
He can get a mini trampoline and a couple of used weights like I did.
Its not the monthly gym membership Dave was opposing... He wants the man to use time spent exercising every night to go drive an Uber car or deliver pizzas. I personally think its a HORRIBLE idea to give up exercise - which is so important for physical and mental health, and has important long term benefits in terms of health care savings. I consider time and reasonable money spent exercising a GOOD investment.
arthrodea I agree... take care of your health is way more important than people realize... you lose your health, you cannot work!
That's crazy. My wife is a dental hygienist, makes 75k a year and has no student loan debt. She went to a community College.
Some people are just smart.. good on ur wife man
He could of been a dentist for the amount of money he borrowed SMH
So I wasn’t the only one wondering why he paid $150k to earn $66k. Maybe it was a private school. 🤔🤔
DAVID M.
Smart woman.
4 year bachelors
Go to the gym first thing in the morning instead of after work. Fewer people there in the morning and you get it out of the way.
Having no debt is making me feel rich these days.
@Brandon De Oca because most people are in debt. Simple math buddy.
@Brandon De Oca because his net worth is more than a doctor who owes 200k in student loans
Smart people do smart things.
Well that escalated to dumpster fire status quickly...
@Brandon De Oca It's not about feeling it is technically true. Do you feel better owing $0 or using 200k?
Watching these videos makes me feel so grateful that I don't have any student loans.
Sam Levine - Personal Finance DITTO!!!
Well good for you.
Whenever you're having a bad day, just sit down, take a deep breath, and think to yourself, you know what.......at least I'm not Justin "the chiropractor" from Colorado.
I like his heart too. Good man.
He's good guy because he's willing pay the parent plus loan debt there are some children that would have stuck their parents with the debt because they don't wanna pay
66k at 24 is killing it, he should be able to knock this out in no time at all.
he could be a milionaire by 50 easy if he invests wisely
@05:04 Dave called customers "Delivering goobs." 😂😂😂😂😂
This man has integrity!! Hard to find in people these days
Skipping gym(health) is not a good idea, it probably gives him the solace and energy he needs.
At least he didn’t become a chiropractor 👨⚕️
I have 150,000 in student loan debt and I'm documenting my journey on YT. It's been a challenge but small progress is better than no progress. Glad to see Agnel is facing his problems. Good luck!
$18k a year bonus pretty much. He's doing great.
Caller: I work a regular job during the week & work Uber on weekends.
Dave: what about at night?
Caller: what about sleep?
Me: this dude ain't working on my teeth.
150k to be a dental hygienist? Those are 2 year programs at a county college...LOL
Probably second career and he said he had a parent plus loan so probably most of that is from the kiddos.
@@joshualaughlin2385 from what I made of it, I thought the mom had the loan under her name and made him payback his loan.
Joshua Laughlin He’s 24 years old. That Parent Plus loan is his mother’s, which they both agreed he would be paying.
@@MsDEV89 yeah I should really watch the video before commenting. My bad.
Ouch... lol.. "I guess your not going to the gym." Always great advice, thanks!
Ah you tube, the only place that you can listen to a show about the horrors of student loan debt right after you listen to a ad from Walden univ for a worthless PhD in public health degree that will make you one of Dave's future callers in 4-6 years
Pretty sad that seeing a title like this isn’t even surprising anymore. too many people don’t know what theyre doing and end up in 6 figures of debt before they’re even 25
Hey beautiful
$150K in student loans to become a dental hygienist?
WTH??????
66k is pretty high paying for an assistant.... No wonder these dental practices are rip offs
SMH a dental hygienist is not an assistant lol. Its different
I’m a hygienist, what college did he go to that he spent 150k on his degree?? Crazy! The most I have seen is 60k
Ariana Ledesma some people go to private expensive out of state school (Tuition usually $40000 per year) and probably graduate past 4 years because they failed some classes or changed majors
It's crazy how much student debt there is out there!
“What about at night?” 😂😂😂 brilliant!!
I make the same amount of money, possibly more and I only have an associates degree and NO student loans. 😪
Doing?
Cool story
She is the ex-wife of a dentist...pays well
Oh wait I just realized she said she does have an associate's I thought this said she didn't have one. Honestly, there is more value in associate's then bachelor's. I'm glad he at least makes 66k, some people go to a 4 year just to make half of that or less
crazykaitlyn law enforcement :)
I was under the impression a dental hygienist requires a 2-year associate’s degree. How did he get $150,000 in student loan debt for a 2-year associate’s/community college?
It wasnt a community college probably
There’s some colleges that offer a BS in dental hygiene, but even then $150k is more like a grad school or med school debt.
It could be from his mom taking out loans for her other kids and he offered to help
mle011 Private school
Harvard community college
You are playing hide and seek and at some point you are going to get found. LOL
😂😂😂
My $64,000 debt has turned into $109,000. The collection agency wants to settle for $80,000. I'm going to continue making income contingent payments until I can settle & hopefully get that amount lowered. I really wish I knew about Dave Ramsey before I got into this mess & so glad to hear that he's in the high school curriculum nowadays. I was the first in my family to get a degree, so it was important to get one, but there are other options.
Don't pay the loans ahead (you wont save on interest) use it to pay off all principle!
Some people are fkn delicate, they know what to do, and how to do it but they rather hear their daddy ramsey sweet talk them into it.
I paid my loans. But I would not let my parents go into debt or me. How much was the original parent plus loan??? One has to appreciate that he is not letting parents footing all of that bill. Honorable.
Huh, sounds like exactly where me and my girlfriend were 2 years ago. Today were half way done, 75k down 75k to go! Yes, we make more than him, but at the end of the day its a wash because we also invest a good amount. Keep your head high :). It can be tough because we dont really owe the money, its on someone elses name.. but morally its the right thing to do. I guess you could say if me and my girlfriend can make it through this, we can make it through anything.. and its the right thing to do for the entire family (outside of us).
Eric B did she cheat on u
Probably lol
Push ups handstand pushups pull ups sit ups burpees pistol squats with dumbells and you won't need the gym just 30 mins at home
I’m not a rich man, but to me it seems like the difference between rich and poor these days comes down to decisions that you make. Just as I decided to major in computer science but read English literature and liberal studies in a book for my spare time.
This is a good guy. And hope he doesn't stop going to the gym either. That's health, that's important and keeps people going day after day if they're into that lifestyle. Good man, hope he figures it out.
I wholeheartedly agree with you!! He's not making his mom pay a loan she co-signed. He's taking care of his body and health.
bluejedi24 he can buy a cheap gym set and cycle for his home
Health us worthless tho in the long run.
@@illegalalien6542unhealth is expensive in the long term
Delivering goobs😭😭😭😭
Wow. I feel bad because I also owe $150k in student loans as well, but I also have an MSEE degree and make $100k/yr, with room to move up and make way more. I'm on step 2 and plan on throwing everything except the kitchen sink towards that loan.
ahhh... if i don't work out i become inefficient & ineffective... i emphasize :(
Get a roommate.
Rent the BR if there is just one, and crash on sofa.
Frees up $5,000 per year and cuts utilities cost down.
Or move when lease is up, and rent a room in a group house. Jobs fill your time, plus commute?
Good - you'll be able to sleep thru any noise.
Or sleep in the park!
That much to be a dental hygienist, lol. It cost 12k for the whole program at the local tech college.
Pizza Paycheck + tips!!!
He gets $18k each year for loan repayment. You can break that into increments of $1,500 per month for a 12-month year. Also, he earns $66k from work. You can break that down to $5,500 per month for a year. I don't see why he can't then pay $3,000 per month toward the loans. He can pay it all off in under 5 years, not counting interest of course. Still be in his 20s, making probably a higher salary. It's possible young man.
Bravo to you, also, for considering the Parent-Plus Loan, so mom won't be stuck. _Might_ consider going back to live with mom, too, but not long. That's not an attractive option, but you'd be saving that $900 a month on rent; and you could just pay that entire $150k debt off in about 3 years.
This is dumb. He works 40 during the week and then ubers on the weekend. He doesn't need another job. Does no good to stop going to the gym and ruin your life by working 24/7. Bad advice this time
You can work out at home for free.
@@ericjordan6059 Not unless you have the equipment...Some people have fitness goals that require more than bodyweight exercise
@@MoD3RnHD ... What would be needed more than a few weights and calisthenics? If you do the research, you don't need saunas and weight machines. You can get cheap ewuupment that does the same.
Do that prison workout.
You can make that much by being a dental hygienist? In a state with no state income tax, that's pretty good deal minus the student loan part.
As of right now, Bachelor of Science in Dental Hygien at West Coast University in California cost $141,466.
That’s why you go to a community college and get an associate in hygiene
@@theprofitmaker9975 sometimes you can’t get accepted, dental hygiene school is becoming competitive
NO WAY!!!!!😮
The two-year program costs $4,600 on the average for in-state student
He could be making much much more in Arizona as a dental hygienist.
Agnel it's called the debt snowball bro!! Your not entitled to a gym membership! LoL
I'd agree for most things, but as the saying goes, health is wealth
Dave has no idea how hard 40 hours of dental hygiene is. It’s exhausting work and hard on the body
Dave Ramsey and team,
Thanks for all your help with guidance on getting folks out of debt. However, the information shared in the call is dangerous.
For the 18k Indian Health Service student loan repayment, which I belive this caller is referring to, the 18k needs to be paid directly on your student loan and at the end of the year you need proof that 18k was paid to your student loan.
Please do your due diligence and correct this information. Loan repayment in the medical field can be tricky! Hope this information helps others.
WOAH DAVE....what's with the huge desk the size of VT????
Keep the gym going. You need your physical strength.
Just accept it will take seven years to get out of this mess, and in the meantime, throw every cent at debt that you can. It will eventually get paid off. Can your mama contribute even $100 a month?
Delivering goobs! Haha
Some of that money went to mom - get real.
He's carrying her...obviously.
For the parent plus loan he said ballooned up to $800 a month because there wasn't a minor in the house I sure hope mom is still paying what she paid before the payments ballooned and her son is paying the difference at least. I hope she didn't just dump the balloon payments in his lap. Also I would seriously consider moving back in with mom for a year to knock down as much debt as possible. A year of yout life isn't that extreme.
Driving Uber instead of working out is insane. This guy makes decent money.
Hey I use uber and I'm not a goob. 😂
Giving up the gym would be idiotic
Ajay Pasricha buy an Echelon fit home cycling bike, exercise at home
Or go to Walmart and buy a *REAL* bike and use that for exercise and transport
$150k for dental hygiene school ? You were stupid with that. Much cheaper ways to attend college.
I don’t see how he can’t pay it... he could decrease rent ... still afford it at $900 though
Dental hygienist are like nurses. Why doesn't he find a PRN or part time????
How is his mother a bad person for encouraging him to spend $150000 in order to make at least $1800000(30 years x $60000)? That is a great investment. He just needs to be disciplined and attack the debt.
right focus well because he could have made $60,000 right out of the gate without going into that much debt
Gain 15-20 lbs by cutting off gym and reduce/pay your debt by Christmas. Or He can workout after his Über night shift.
what company does he work for? 18k cash for school
0:31 he works at an IHS facility.
I like this kid
Buy a Prius. Live in it free AC. Then eat tuna fish everyday till your debt free
Jacob Moore waste your money on a Pruis? Better off buying a used travel trailer....
InsideOutside UpsideDown currently living in a Prius. I spend 1 dollar and some change for gas to keep the AC on all night. Insurance is cheap/plus stealth. Honestly if you don’t mind living poor for a few years like me this is the way to go. Food I bought a portable stove with propane easy to clean. Also he wouldn’t have to drive that hour and a half every day. It’s a win win in my eyes doing a Prius. Travel trailer is great I agree but it requires a truck to pull plus insurance, gas, and somewhere to rent to park it. But you live much better that’s for sure
Jacob Moore ok, no travel trailer...full blown used RV. Just stay over in walmart parking lot....you can live cheap for sure, just dont drop you outriggers or dump yer charcoal onto the parking lot and youll be fine
Beans and rice is a much cheaper option
@@illegalalien6542 Dave doesnt actually mean eat rice and beans....he has stated just eat at home. Buy groceries from the grocery store. Its much less expensive to eat at home. Don't eat out.
That’s why it is called parent plus loan... you can’t pay then your parent pays
Instead of going to the gym, he could start teaching at the gym. Trainers can make some good money, and stay active.
never said he was a personal trainer
What is a parent plus loan?
It's a loan that a parent takes out for their child's college. Legally it's in the parent's name so they're responsible for it, but in this case the caller said he had made an agreement with his mom for him to pay it, so he's honoring that.
Goob delivery xd
good ！
Gym early a.m.
Quit the gym, do push-ups and curls for 6-12 months. You’ll probably get in better shape anyways.
This guy needs to pick a real money making opportunity , not spraying and scraping people's teeth . He should have been the dentist
So spend 400k to make 150k? Then he will be back here and still have the same problem lol
Hi Dave Sr. I want to help with my son's and my family but i can't talk to English i have so many problems Pls help i want do new beness Pls Pls help me I'm in Indiana
I owe $300,000 in mortgages
Bigtruckseriesreview Motorsports sell you house.
Well that's an investment !!!
You do need the gym, never have I seen an optimally fit person who didn't go to the gym. The key word is optimal. Never give up fitness for debt paying, there are other ways. Show me your rockin body without the gym and I will admit my wrong.
Amazin11000 ever heard of home gym or calisthenics?
@@shannysalcedo3627 most people don't do it or stay with it for very long, I know, I am in the fitness industry for 10 years now. Plus you will not be in optimal shape, show me a person who is in top shape that only does home workouts.
I agree you should be able to get the degree for less debt, BUT... if you increased your earning power by 20k/yr and it takes 6 years to break even, and you're doing what you love in that 6 years, then you DID make a good decision. Period. So don't feel bad and for God's sake, Mom, don't you feel bad just because Mr. Ramsey's "math" doesn't fit. I'm a BSEE, and it took me even longer to pay off my loan, but I did so before age 30. No regrets. Shame on you Dave, for criticizing someone regarding their decisions with their kids when you know a tiny fraction of their story. This really ticks me off.
Hygienists max at 40 an hour. 83k.
"Doing what you love in that 6 years". I hate when people say stuff like this, liked anyone couldn't think of better things to do other than working. People work to pay bills and hopefully save enough money so one day they don't have to work. Nobody works because "they love to do it". I get it though, might as well lie to yourself when you don't have a choice anyway.
Sometimes Dave is very out of touch. The cost of education is ridiculously out of control.
@@jayh40515 ok, I agree with you, but the point is... would you rather be working in a fairly easy air conditioned office job or maybe in a hot garage changing oil? There's a lot more to this than the payback period.
@@JK20239 ... and earn commission.
Time for dave to retire.
Yeah dump the gym you're young go jogging. You can rejoin a gym later. I walk, it's free and right outside my door.
Jogging doesn't build muscles
You can't afford to go to the gym,sell a kidney.
What the heck is goin on? Why are parents borrowing that much money to be a dental hygienist.
Parents should pay parent plus loan...cuz you know the whole parent part of the loan name. If they aren't willing to pay it then they shouldn't take it out.
In general, yes, but the caller said he had made an agreement to pay it, so it's good that he's honoring his word.
He sounds lazy.
No! He sounds hard working and honourable.
No, hes lazy
Don't suppose Agnel is looking for a husband? ;)
Dave is absurd. He works 7 days a week and Dave tells him to start working nights too. Don’t listen to him. Take ten years to pay off your loans and quit your weekend job. Enough of this working 80 hours a week and eating rice and beans to pay your debt off in 3 years. Do not take advise from this man.
99.9% of dental hygienists are women, how did one of the 6 male hygienists in the nation find out about Dave's show?
A glorified teeth cleaner lol - 'Jerry Seinfeld '
There's a lot more to it than that. Especially if you're certified to deliver anesthesia. Many jobs are requiring 4 yr degrees in this field.
Never leave the thinking to the woman. That’s why there will never be a woman POTUS.
Good for Agnel facing facing the music. He's on a good career path once the albatross is lifted.🥼🦷🪥