My Mom Is Guilting Me Into Paying Her Loan!

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ความคิดเห็น • 358

  • @greatbritain5355
    @greatbritain5355 6 ปีที่แล้ว +584

    My parents kicked me out and locked the doors because I would not hand over 100% of my wages at age 15. If I have spoken 500 words to them in 22 years it's over doing it.

    • @odetochef
      @odetochef 6 ปีที่แล้ว +25

      Are you promoting your family dynamics?

    • @righand
      @righand 6 ปีที่แล้ว +76

      It be like that sometimes.

    • @Light-vu6ws
      @Light-vu6ws 6 ปีที่แล้ว +60

      It is not your fault.

    • @guyheavengym
      @guyheavengym 6 ปีที่แล้ว +51

      Blood is never thicker than water, remember that. Never give them the time of day again

    • @ransom182
      @ransom182 6 ปีที่แล้ว +10

      Nice work mate.

  • @Robmar40
    @Robmar40 6 ปีที่แล้ว +482

    This is why you NEVER cosign, loan, or take out a loan for anyone especially family members. Relationships get destroyed over money.

    • @matteilrich4190
      @matteilrich4190 6 ปีที่แล้ว +16

      RobMar Life or go into business with them I know been there done that not good

    • @Scorpiomaj27889
      @Scorpiomaj27889 6 ปีที่แล้ว +36

      Exactly Rob, don't get involved with family unless you are 110% prepared to never see that money again without being bitter. Be ready write that money off.

    • @staybeautifulx285
      @staybeautifulx285 5 ปีที่แล้ว +11

      They didn't co sign her mom took it out in her name

    • @airthrowDBT
      @airthrowDBT 5 ปีที่แล้ว +22

      If this relationship crumbles it isn't over money, it's over the mother going back on her word because she's too weak to stand up to the greedy stepdad.

    • @aconstantwork8915
      @aconstantwork8915 5 ปีที่แล้ว +2

      Robmar 100%!

  • @alicedotkay
    @alicedotkay 6 ปีที่แล้ว +268

    Dave's honesty is just so refreshing!

    • @Ken-iu2zp
      @Ken-iu2zp 6 ปีที่แล้ว

      alicedotkay Very pretty

    • @cornerstonemediaconsulting
      @cornerstonemediaconsulting 5 ปีที่แล้ว +4

      Yes, I love it. Direct honest truth is what the world is lacking

  • @RaleighLink
    @RaleighLink ปีที่แล้ว +9

    If you don’t want to pay for your kids college then don’t sign a loan. Once you do it’s your responsibility.

  • @greenAbbot
    @greenAbbot 5 ปีที่แล้ว +57

    If this mother's new husband is trying to force her to go back on a promise she made to her 18-year-old daughter, then he's probably not worth having around anyway.

  • @mrs.reeves1006
    @mrs.reeves1006 5 ปีที่แล้ว +76

    My son asked if I could cosign for a student loan for his current education once. This is AFTER he botched his FIRST university education. The train doesn't turn around to pick up stragglers. The word is "NO." I have been watching on the sidelines and he is doing an amazing job creating a budget, managing his money and being responsible for HIMSELF.

    • @bevrolee8887
      @bevrolee8887 4 ปีที่แล้ว +2

      Just see if he wants to be cremated or buried first.That’s true, the train runs over stragglers. Finish him!

    • @staceystrukel1917
      @staceystrukel1917 3 ปีที่แล้ว

      You're story has absolutely nothing to do with this situation. Narcissistic comment.

    • @Blackbirdinthedeadofnight
      @Blackbirdinthedeadofnight 3 ปีที่แล้ว

      It’s not the same thing at all.

  • @anapaulasmoraes1839
    @anapaulasmoraes1839 6 ปีที่แล้ว +216

    This is about an agreement. You don't make an offer then change the agreement as you please. Your word has to have truth on it. Her mother is irresponsible. First she made the agreement without her husband knowing, then she broke the agreement. Her mother must grow up and learn a lesson.

    • @georgeross6304
      @georgeross6304 4 ปีที่แล้ว +3

      Ana, I agree this is an agreement, but her mom takes out the loan for her. If her mom really cannot pay it, shouldn't she pay it herself?

    • @TiaraDW1990
      @TiaraDW1990 4 ปีที่แล้ว +12

      @@georgeross6304 It was never said that the Mother couldn't may it. She obviously could because she made the first payment she stopped because her Husband didn't agree which isn't the Daughters fault. She didn't know that her Mother hadn't discussed the situation with her Step Father. She went along with a plan Her Mother concocted then got left paying on an entire loan she was only supposed to pay half on. The remainder of that loan belongs to Her Mother period. The Mother shouldn't have gone about it the way she did forcing her Daughter into a position she never agreed to.

    • @georgeross6304
      @georgeross6304 4 ปีที่แล้ว +1

      @@TiaraDW1990 Even if her mom flopped, I do not think she should force her mom to pay it because this loan was taken out for her.

    • @TiaraDW1990
      @TiaraDW1990 4 ปีที่แล้ว +10

      @@georgeross6304
      This comment really sums it up.
      Michael Lee
      1 year ago
      by agreeing to sign the loan, the mother effectively stopped her daughter from looking for other opportunities or options to finance an education. the mother effectively said "you want this perhaps unaffordable option? go ahead, I GOT YOU" by signing for the loan. so yes, i think the mother is responsible for the debt. if i did that to my mom, i would expect her to call me out on it because i basically put her in a bad situation by lying to her. people are talking about how they would not place unwanted debt on their mothers.. how about not doing that to your child?

    • @georgeross6304
      @georgeross6304 4 ปีที่แล้ว

      @@TiaraDW1990 Miss, I know this is an agreement, but this is your mom, not someone else you entered a contract with. I still believe this lady should pay for herself if her mom really have no financial ability to pay for it.

  • @jackl8349
    @jackl8349 4 ปีที่แล้ว +60

    “I’m not trying to be mean to you but she’s being mean to you.”
    One of the best quotes of all time

  • @leonhurricanes511
    @leonhurricanes511 6 ปีที่แล้ว +303

    We wouldn’t be drinking hot coffee discussing that situation.

    • @flats-hopper4351
      @flats-hopper4351 5 ปีที่แล้ว +5

      🤣😂😆

    • @ShiaGirl18
      @ShiaGirl18 5 ปีที่แล้ว +2

      I know!

    • @callynt
      @callynt 5 ปีที่แล้ว +4

      LOL....not at all!

    • @mrst7787
      @mrst7787 4 ปีที่แล้ว +2

      Great comment.

    • @lionelluva
      @lionelluva 4 ปีที่แล้ว +2

      Leon Hurricanes 😂😂😂😂

  • @MsJoyce31202
    @MsJoyce31202 4 ปีที่แล้ว +65

    Mom guilt trips her after step dad guilt trips mom. Mom should have been happy to pay it considering she got an inheritance. No struggle.

  • @windsongshf
    @windsongshf 5 ปีที่แล้ว +80

    Man, I'd love to hear a follow up on this and so many other stories! I really hope she had the guts to stand up to her mom and stepdad!!

  • @BlackMenAreDope
    @BlackMenAreDope 6 ปีที่แล้ว +63

    And with heavy breath he told her, “Stand up and walk out” 😂😂

    • @rickyrudolph41
      @rickyrudolph41 4 ปีที่แล้ว

      It was hilarious when he said, “if they fall on the floor and start foaming out the mouth, so be it” 😂😂

    • @rajeshsood
      @rajeshsood 3 ปีที่แล้ว

      I would like to play devils advocate and remind everyone we don’t know the entire situation.
      Legally it is the mothers loan and unless they have a written contract the daughter was not obliged to pay a cent.
      The daughter honoured her word and paid half. However, she derived a benefit from her mother’s act to secure funding for college. Morally if mum has fallen on hard times and the daughter can pay / help pay this loan she should do it.
      The daughter should also learn for future that her mothers word is not worth much.
      I hope mum did not promise to pay half the loan from the step dads income without his consent. I could understand why step dad may refuse to honour his wife’s commitment and I would not hold it against him at all.
      Mum sneaking money seems to suggest it is without consent.

  • @mavilmaloco9276
    @mavilmaloco9276 5 ปีที่แล้ว +48

    Im an avid Dave Ramsay listener now.. this youtube channel is my new radio... i have learned so much.. you have inspired me to do better with my finances.. God bless you more!!

    • @ImOldandSoAreMyBooks
      @ImOldandSoAreMyBooks 5 ปีที่แล้ว

      Mavil Maloco Learning is the first step in the journey.

  • @PInk77W1
    @PInk77W1 5 ปีที่แล้ว +62

    I’m a high school drop out and paid for my daughters college and masters degree
    With me credit card !! When I give my word it is my word. Now I have no cc balance

    • @sweetshopadmin7779
      @sweetshopadmin7779 4 ปีที่แล้ว +6

      That's a Real Man! There are so many cowards out there looking to tell women what not to do with their money instead of Showing them what a real man is supposed to do! Good for you Sir!

  • @junebyrne4491
    @junebyrne4491 ปีที่แล้ว +2

    My daughter got herself into $10,000 debt to a credit card and could not make the payments because of the 20%. Interest rate. I put up a cd as+collateral so she could get a personal loan at 7%. It took her forever to pay it off. She said making the payment every month was awful. She had no memory of what she had even spent it on. She is now,the most sensible with spending money. I,am proud of her. I could have paid it for her but this way she actually learned something.

  • @jondavis2206
    @jondavis2206 4 ปีที่แล้ว +11

    Sounds something similar to my son's education. His mom agreed to pay 1/2 of our son's college. She did this for a while, once my name was the dorm lease with him she decided she wasn't paying another cent , and never did. I paid it all myself. This is the same woman that took her step dad to the bank ( he had medical problems that turned a healthy 67 year old into a 5 year old mentally) She had him sign a loan against his house so she could pay off credit cards that she had ran up behind my back. Keep in mind, she moved in my house, I paid all living expenses, she bought clothes and about 60% of the groceries, nothing else! The divorce was crazy expensive, but worth every cent!

  • @InvestingHustler
    @InvestingHustler 6 ปีที่แล้ว +172

    Great advice dave , that’s why I like you, you always tell it like it is. 👌

    • @PeskyWabbit.
      @PeskyWabbit. 6 ปีที่แล้ว +4

      INVESTING HUSTLER - Stocks Money Entertainment this was terrible advice. I usually agree with Dave but here... No. It's her education she should have to pay it. She is burning Bridges with her parents bc she doesn't want to pay for her own education

    • @GOL14T
      @GOL14T 6 ปีที่แล้ว +3

      But the parent made an AGREEMENT to pay half of it. I understand it is her own education but they should still have to fulfill what they promised. If there was no agreement, then I would believe she would have to pay for it on her own.

    • @PeskyWabbit.
      @PeskyWabbit. 6 ปีที่แล้ว +2

      GOL14T yeah but it's her mom. Ig they just were raised differently. Family must not mean much for them

    • @justme4171
      @justme4171 6 ปีที่แล้ว +2

      XM1STERX1 No. You can't make an agreement and then back peddle. Her mother made an agreement, and she should stand by it. She has to actually.

    • @cathyl7944
      @cathyl7944 5 ปีที่แล้ว

      XM1STERX1 Her mom took out the loan in her own name of her own accord. Her daughter kept her end of the agreement even though it was in her mom’s name. Dave’s advice is spot on.

  • @LittleHatori
    @LittleHatori 4 ปีที่แล้ว +7

    "YOU'RE BEING ABUSED"
    And no commercials?
    I dont understand why anyone pays for cable anymore. Not when we have the Dave Ramsey show!🔥🔥💗🙏
    Love this man and his ethics

  • @whoareu-podcastaboutlifeat257
    @whoareu-podcastaboutlifeat257 6 ปีที่แล้ว +23

    I like how Dave always stays patient in determining the answer, especially with regard to this subject

  • @JJJobson
    @JJJobson 4 ปีที่แล้ว +9

    The kid is paying half the loan on agreement. Step Dad better be glad mom is getting the other half. What a piece of work this step dad is

  • @hermanwooster8944
    @hermanwooster8944 4 ปีที่แล้ว +14

    I think there's far more going on here. The mother was willing to keep her end of the agreement until the step-father said no. Even then, the mother *snuck money* to the daughter for another month unbeknownst to the step-father. The step-father is an abuser and the mother is scared of him.

  • @RLC2020
    @RLC2020 4 ปีที่แล้ว +14

    Dave. Could we get some follow up videos please? I would love to hear how some of these situations ended up. Just a video once in a while with a few people coming back on the air so we can hear how things worked out for people for better or for worse. That would be great.

  • @natashas5646
    @natashas5646 5 ปีที่แล้ว +86

    The stepdad is the problem

    • @az21bob666
      @az21bob666 4 ปีที่แล้ว +5

      HOW the mom made a DEAL, so if he did not know about it, SHE stealing form her husband.
      it no different if the mom brought a car or house or land, without taking to the her husband, SHE IN THE WRONG.

    • @budgiebirdy
      @budgiebirdy 3 ปีที่แล้ว

      @@az21bob666 His mindset is messed up if he thinks that a spouse can steal from him. When you marry someone, your finances are combined. We would need more information about her mom and stepdad's financial situation, but it does speak volumes about his character that he's unwilling to help his stepdaughter go to college. Besides that, she got an inheritance that can pay for it, so he needs to zip it. If he's not in this for the long haul (for better or worse, richer or poor), he should have never married her.

    • @az21bob666
      @az21bob666 3 ปีที่แล้ว +1

      @@budgiebirdy But not every married couple combine money and so he should not be force to pay, i mean if we going to get marreid and i find out you have a 300k student loan bill that you did not tell me about, that your bill not mine.

  • @buffymcmuffin5361
    @buffymcmuffin5361 5 ปีที่แล้ว +50

    And Mom inherited money too!

    • @BlueDauntless
      @BlueDauntless 3 หลายเดือนก่อน +2

      Husband spent it

  • @patty109109
    @patty109109 5 ปีที่แล้ว +14

    Love it when Dave is like this. He’s right.

  • @flowergrowersmith449
    @flowergrowersmith449 6 ปีที่แล้ว +37

    People keep ringing in for relationship and personal advice!

    • @2005blackpearl
      @2005blackpearl 5 ปีที่แล้ว +11

      Money tends to expose power dynamics really quickly. And there is no riper environment for power plays than a family.

    • @sarrahconley3143
      @sarrahconley3143 4 ปีที่แล้ว

      It's important. I have money problems bc of family. I'll be student loan free in June. I didn't understand the definition of Boundaries. Had to even teach my family what they were.

  • @brandikent8104
    @brandikent8104 6 ปีที่แล้ว +28

    Do not sign or cosign for any loans for anyone. When I went to college, I had no job and still got student loans in my own name. So I assume they give them to just about anyone. When I got out of school I had them all paid off in 5 years. If I was the mom I would pay it back because that is my child and that is what I agreed too. But then again I keep my word and do what I say I am going to do. None of this falls on the daughter. I think dave gave her great advice but unfortunately if she doesn't want to hear this from her mother until the day she dies the daughter may just want to go ahead and pay it and learn a lesson. The lesson is you can't depend on other people. Not even your parents. You have got to depend on yourself. And just make yourself a mental note that you can't trust your mom's word and to never sign or cosign or loan your mom any money. I will tell you what I told someone years ago that complained to me about someone not paying them back. I told them to only loan money they are willing to loose.

    • @edwinortiz1262
      @edwinortiz1262 4 ปีที่แล้ว +1

      Parent plus loan is a federal loan, it's much better than a private loan.

  • @jayblessergienko7954
    @jayblessergienko7954 6 ปีที่แล้ว +16

    It is one of the hardest things to do, standing up to your parent(s) when they are wrong. You have to do it, though. It breaks your adult mind free of being a subordinate child to them in the eyes of both parties.

  • @alansohn855
    @alansohn855 4 ปีที่แล้ว +2

    This kind of attitude of parents is absolutely unacceptable and frankly disgusting.

  • @paolal3497
    @paolal3497 4 ปีที่แล้ว +25

    When you put a man that makes you break your word over your daughter

    • @jackieruso6493
      @jackieruso6493 4 ปีที่แล้ว +1

      Not for nothing but there's more to it than that. If they've merged finances after they got married then he's technically paying for her education as well. When filling out student loan applications they will ask about both parents income and the step-parents income as well. It would've been wiser for Mom to be the co-signer on a regular student loan and not a parent plus loan if she's going to pull the routine that she is. If it's a communication issue then mom should've discussed that with her husband first before taking out a parent plus loan.

  • @LoriFoster
    @LoriFoster 4 ปีที่แล้ว +5

    You pay it yourself and ask nothing from them again. Somethings you do for your sanity and soul.

  • @StarryxNight5
    @StarryxNight5 6 ปีที่แล้ว +35

    The best advice to the daughter 😊

  • @asiyaheibhlin
    @asiyaheibhlin 3 ปีที่แล้ว +2

    He talks like my therapist when I explain why I am still in a marriage with a man that isn't that bad of a person but really isn't good for me and makes me bitter, angry, anxious, and unhappy.
    So direct. So to-the-point. And overwhelming logical.

  • @glaucusyellow
    @glaucusyellow 4 ปีที่แล้ว +21

    Earn 1% cash back on guilt trip miles

  • @NDcompetitiveshooter
    @NDcompetitiveshooter 5 ปีที่แล้ว +16

    If the loan was for something that benefited your mother, I would 100% agree with Dave, but this is a little more complicated than that. If you have the ability to pay for your own education (you're 28 now and have been making the payments just fine), then do the right thing, be a self-reliant adult, and pay for your own college education. Your mother has sacrificed a lot for you throughout your life and clearly wanted to help you get a higher education. She is now in a tough situation with her own marriage, and you are in a position to help her out by doing the responsible thing and offering to pay for your own education. She never owed you that. Fighting over the money with her and her husband is going to ruin your relationship in a way that is not worth it. I hope you didn't take Dave's advice.

    • @NDcompetitiveshooter
      @NDcompetitiveshooter 5 ปีที่แล้ว +2

      @Jenna Of course we can agree that the mother shouldn't have made the agreement if she couldn't stick to it. I'd go so far as to say that, in hindsight, she never should have helped at all. Then she wouldn't be stuck with an ungrateful daughter that is ready to legally enforce the loan terms on her own mother who is in a difficult situation that she only got into in a loving effort to help her daughter out. She can clearly afford to pay for her own education now, and in my opinion should.

    • @greenAbbot
      @greenAbbot 5 ปีที่แล้ว +1

      I totally disagree. As Dave often says, "giving" you something that you then have to pay for is often not a blessing--it's a curse. My son is about to go off to college and I will make it very clear to him what we are willing to pay for and what we are not. He can make his decision based on whether the portion of the cost he has to cover is worth what he has to pay, but he would probably make a very different decision if he had to pay for all of it. If we turn around in a few years and say "Oh, the cost of that education to you is actually way more than you thought when you chose to go to that school," that would be terrible parenting.

    • @edwinortiz1262
      @edwinortiz1262 4 ปีที่แล้ว +3

      This, a parent plus loan has the lowest interest you can get besides subsidize loans, and they're only given out after the other federal loans are exhausted. She could have easily left her with taking out a private loan with an insane interest rate.

    • @skyblupers
      @skyblupers 4 ปีที่แล้ว

      I agree, the loan was for her college and she is old enough and more than capable to pay the loan. Her mother is in a jam and the lady should woman up and pay her loan that she took out for higher education.

  • @DijaVlogsGames
    @DijaVlogsGames 5 ปีที่แล้ว +4

    I'm tearing up a little, I can't imagine how hard a situation like this would be. Leave money out of your family relationships, it's not doing any good.

  • @oneeyedman99
    @oneeyedman99 5 ปีที่แล้ว +7

    She might do well to let her husband play the heavy on this one. If it's her stepdad that's prohibiting her mom from paying, then she can ask her husband to prohibit her from paying. Even if it means that he never speaks to his in-laws again, I doubt he'd be too heartbroken about it.

  • @rayn1ful
    @rayn1ful 4 ปีที่แล้ว +3

    people have become so greedy, when we used to buy my grandparents a christmas present for example , they got mad, why , they said spend on the kids, and you shount be spending the money on us, why cant we get back to those times ?

  • @Vydio
    @Vydio 6 ปีที่แล้ว +23

    Did stepdad not know about this loan? Did it happen before he married Mom?

    • @insylem
      @insylem 6 ปีที่แล้ว

      Vydio Numbers 30:3-15?

    • @ShiaGirl18
      @ShiaGirl18 5 ปีที่แล้ว +1

      I was wondering the same thing.

    • @Vydio
      @Vydio 4 ปีที่แล้ว +2

      @@ShiaGirl18 I'm betting he just found out and doesn't want to pay it.

  • @emmamills02
    @emmamills02 4 ปีที่แล้ว +2

    I live for when Dave goes: "Am I missing something" after harshly summarizing what the caller told him to make them realize just how f*cked the situation is 😭😅

  • @Loveroffood41
    @Loveroffood41 4 ปีที่แล้ว

    As I listened to this talk that Dave had with this woman it makes me very fortunate that when I went through my divorce all I had left over was debt so my parents and I did a debt consolidation loan my parents took out a loan on a car that they already owned and my mom took out a small Signature Loan and I was able to pay off my debt and then I was able to pay off the debt that I co-signed with my parents after a year and six months. My parents definitely know what boundaries are cuz right now I currently get SSI because of a health disability and being able to just simply say hey Mom I need money for this is truly a blessing because she doesn't ask what it's for. my parents know what boundaries are it's very clear that the parents of this woman do not.

  • @willieboy3011
    @willieboy3011 3 ปีที่แล้ว +1

    Mommie needs to put on her big girl pants and pay HER debt like an adult.

  • @MsDEV89
    @MsDEV89 5 ปีที่แล้ว +37

    There might be a difference in how more privileged people approach these situations. 😂 My mom took out loans for my education, but it was pretty much understood from my freshman year of college that I would be the one paying them off when I graduated. My 18-19 year old self reassured her about that too. My parents were barely getting by as is. And it was MY education after all. I was just grateful she had decent enough credit to get the loans.

    • @originalwoman1269
      @originalwoman1269 5 ปีที่แล้ว +9

      @wutup5566 Paying for your OWN student loans is not affirmative action....read a book backwoods hillbilly.

    • @saul3965
      @saul3965 5 ปีที่แล้ว +6

      Yeah well her mom isn't yours. They did a deal and she should hold her part of the deal. I paid my loan that someone cosigned but I understand every family is different

    • @koriskinner3676
      @koriskinner3676 5 ปีที่แล้ว +4

      wutup5566 too bad affirmative action isn’t only for minorities in race but for women included, meaning white women are usually the go to for affirmative action BEFORE a person of another race can claim it. try again.

    • @dynamicwellness33
      @dynamicwellness33 5 ปีที่แล้ว +1

      This has nothing to do with privilege and has everything to do with the deal you made with your parents.
      Different family’s make different deals, don’t project your deal onto everyone else.

    • @nijaterkin4923
      @nijaterkin4923 3 ปีที่แล้ว

      Exactly, if she can’t help she can’t help. I don’t know why she’s calling out her own mother on national television 😂

  • @askhowiknow5527
    @askhowiknow5527 6 ปีที่แล้ว +12

    Basically, keep paying your half according to the agreement until you’ve paid off half of it minus interest. It doesn’t matter if she pays her half or not. All principle and all interest is her own responsibility.

  • @arleneaugustahair8393
    @arleneaugustahair8393 5 ปีที่แล้ว +29

    This is exactly why I never ever co-sign or sign loans for anyone. I don’t care who it is. If she wanted to go to college, she should have signed for that loan by herself.

    • @crzyruskie86
      @crzyruskie86 4 ปีที่แล้ว +6

      How? Her mother agreed to half and broke the agreement. The Mom shouldn't have taken a loan out in her name under false pretences to her daughter. Her daughter paid her half and fulfilled her agreement. If the daughter knew the mom was going to back out I'm sure she would have financed her own college but sounds like the mom insisted to this.

    • @valerie5575
      @valerie5575 4 ปีที่แล้ว +4

      She didn't apply for the loan, her MOTHER did! It wasn't a cosign either! Good Lord! Pay attention!

    • @califdad4
      @califdad4 4 ปีที่แล้ว

      @JOHN Q PUBLIC thats a pretty rude comment , her mother backed out of a agreement that is in the mothers name

    • @mwbrazier
      @mwbrazier 4 ปีที่แล้ว

      I agree that the mother should have not signed for this loan unless she could easily pay it. I agree that if the daughter was serious about wanting to go to college, she should have paid for it herself. However, the mother did make the choice to take out this loan. The daughter agreed to pay half & she has already paid her half. So now the rest of this falls on the mother both legally & morally.

    • @Kyshani1989
      @Kyshani1989 4 ปีที่แล้ว

      Some colleges (like private schools/trade schools) require parent plus loans, if the student is younger than 26. If they have a child or children of their own, or are married, then they don’t require it. That’s what I had to do when I went to vocational school at ages 18 and 20. They wouldn’t allow me to take out a loan completely in my own name.

  • @tmusa2002
    @tmusa2002 3 ปีที่แล้ว

    I love when he calls them “honey” -it’s just so fatherly 💕

  • @noelgarcia3816
    @noelgarcia3816 3 ปีที่แล้ว +3

    When parents brainwash their kids into thinking they owe their parents something. 🙄

  • @NRE333
    @NRE333 5 ปีที่แล้ว +7

    Good job taking a hard situation and breaking it down! I love your show!!

  • @HarrietShearsmith
    @HarrietShearsmith 6 ปีที่แล้ว +3

    Loved watching, thanks for the share!

  • @Vera-dg3hf
    @Vera-dg3hf 4 ปีที่แล้ว +1

    People should learn that family relationships get ruined over money. Dont do business with family and friends. Just don't do it. Its a very hurtful and difficult lesson to learn. Dont walk those shoes if you can run for the hills!

  • @avantiiresha6687
    @avantiiresha6687 3 ปีที่แล้ว +4

    I can’t believe parents can do this to kids ... my lovely dad who is no more now paid my student loan almost 40k and never ever asked me to pay a single dollar ... once I started earning I gave him some money back and all he did was investing on my name ... this is what I call parents... and I guess most of the parents should be like this only

  • @goldyl.6371
    @goldyl.6371 6 ปีที่แล้ว +2

    Dave your so wise and articulate⭐️

  • @grayandgray
    @grayandgray 5 ปีที่แล้ว +3

    Mom must have felt some guilt too when the loans were taken out. Not having saved for her college (which is optional!) Tough all around, but Mom has to pay her agreement.

  • @DanielGarcia-zz9eg
    @DanielGarcia-zz9eg 6 ปีที่แล้ว +4

    it's a family thing .one way is I'll help you get an education but if somewhere down the road you come into a large sum of money you need to pay it all back so she free and clear of the loan also. Mom should have made her get a loan on her name by herself

  • @chrysichrysi7889
    @chrysichrysi7889 5 ปีที่แล้ว +13

    Notice how she slid that sentence in there "we had NO savings for my college". She's clearly already disapointed of that fact. I would be too. The real point of this is, the irresponsibility of her parents. Idc if he's not her biological dad. He married a woman who has a child that she was still responsibile for, he knew that and her mother knew that her daughter eventually needed to go to college in order to further her education. The whole family neither had a plan nor cared enough about this. A very bad family dynamic. The good part is, the daughter might be the one to do much better with her own kids since her parents are both losers.

    • @Vydio
      @Vydio 4 ปีที่แล้ว

      Thing is,I am wondering if step-dad knew about this prior to marrying Mom.

    • @mwbrazier
      @mwbrazier 4 ปีที่แล้ว +1

      I don't feel that parents owe it to their kids to pay for college. Once you finish high school, you're an adult. If you're serious about wanting to go to college, you should work out a way to pay for it yourself. If your parents can easily afford to help you, that's great, but I don't think that they should be obligated to. Too many young people just end up wasting the money anyway by dropping out or pursuing a worthless degree. In this particular story, I do agree that the daughter is not obligated to pay for this. The mother took out the loan (which was probably a mistake) & the daughter has already paid half as she agreed that she would.

    • @k.g.8503
      @k.g.8503 4 ปีที่แล้ว

      Savings for your child's education is not always a possibility. It's certainly nice to do but not always possible. Some people do save and some other catastrophic event happens and the parents need the money.
      My parents had a college fund for me and my dad used it to pay for his second divorce.

    • @NomastiAfricanWarlord
      @NomastiAfricanWarlord 4 ปีที่แล้ว

      @@k.g.8503 Your dad using your college fund to pay for his divorce is incredibly selfish on his part.

  • @eisenjeisen6262
    @eisenjeisen6262 6 ปีที่แล้ว +7

    That was very good Dave

  • @nightdweller6446
    @nightdweller6446 4 ปีที่แล้ว

    Harsh but honest. Shine up the spine.

  • @mikesayshiTORONTO
    @mikesayshiTORONTO 4 ปีที่แล้ว +1

    Dave do you ever do follow up shows with the callers? I’d love to hear from this lady again about how it worked out.

  • @rowdeo8968
    @rowdeo8968 4 ปีที่แล้ว +2

    How sad. I am the one encouraging and she did my daughter to go to Carnegie Mellon engineering school and she did with the agreement that I would or my hubby and I are going to pay the student loan. I transfer money into her acct to pay her loan. It is a disgrace to say you are going to do something and not doing it is terrible. Shameful. To not help your kids is selfish unless they are bums. I have helped all my kids and not failed them more importantly, I did not disappoint myself and have my integrity.

  • @faithnkomo7179
    @faithnkomo7179 2 ปีที่แล้ว

    If they foam at the mouth.. Dave kills me sometimes.🤣

  • @NoName-jm4ev
    @NoName-jm4ev 5 ปีที่แล้ว +2

    I'm sorry but I don't agree with Dave on this one...if mom didn't sign up for the loan I would bet anything that she wouldn't be able to go to college ...mom did her a favor...not everyone is in a position to save for college so the loan was an only option at the time ...I would never let my parents pay for me and I would pay every cent of it back...they are your parents and they did what a parent should do ..help ..but if they are struggling you should pay all of it back...I don't agree with Dave ..$9k is not worth losing your family over..it seems to me that to Dave it's all about money even if it means cutting ties with your own family

    • @brendahere
      @brendahere 4 ปีที่แล้ว

      There's a difference if mom said take loan out I will pay all, half, nothing.

  • @marticook5096
    @marticook5096 4 ปีที่แล้ว +1

    Don’t ever get student loans in your name for your child. It’s called Parent Plus.

  • @DrogoBaggins987
    @DrogoBaggins987 6 ปีที่แล้ว +16

    They live ten minutes from her mother? That's a big problem. I had an uncle who never moved out of his mothers neighborhood and he never did become an independent adult.

  • @terry9berry1
    @terry9berry1 3 ปีที่แล้ว +2

    In these cases, sit down with all parties, take out the iPad and play this episode to them so you
    Need not churn emotionally trying to explain the problems.

  • @FortuneSeek3rz
    @FortuneSeek3rz 5 ปีที่แล้ว +3

    Would you be able to trust your own mother if she broke an agreement like this..going forward? I doubt most would.

    • @FortuneSeek3rz
      @FortuneSeek3rz 5 ปีที่แล้ว +1

      @Scott Paulson Would you be willing to lose your own mother over this?

  • @potatoboris1534
    @potatoboris1534 4 ปีที่แล้ว +2

    The dog pooping in your yard classic example, only Americans think that's normal to do. In other countries that's an absolute insult, intentionally OR NOT.

  • @henri9109
    @henri9109 3 ปีที่แล้ว

    1:30 that ok by the lady is the funniest :D

  • @willjohnson211
    @willjohnson211 5 ปีที่แล้ว +11

    I don’t really agree because I am paying for all of my college. I don’t feel like I’m entitled to my parents money for my education.

    • @greenAbbot
      @greenAbbot 5 ปีที่แล้ว +9

      You're not entitled to your parents money. But if they promise to pay for something, even if it's something for you, then THEY'RE not entitled to tell you later on that actually you need to pay for it.

    • @danettewelborn5577
      @danettewelborn5577 4 ปีที่แล้ว

      I agree. Grow up, kid, and pay your loan

  • @JasonBrozic
    @JasonBrozic 4 ปีที่แล้ว +4

    This title is incorrect - I mean, I know they’re naming it what it is because that’s the words of the caller - but it truly should be “I’m allowing my mother to guilt me into paying her loan.”

  • @wynton921
    @wynton921 5 ปีที่แล้ว +1

    Ramsey don’t play!! 😆😆😆😆

  • @rossmacintosh5652
    @rossmacintosh5652 4 ปีที่แล้ว +1

    I had the impression that to date the daughter has been paying 50% of each payment on the Mother's loan as per their agreement. That isn't the same thing as having paid her 50% of the total loan as Dave kept saying. He kept saying she paid her half but that doesn't make sense.

  • @offgridjack5779
    @offgridjack5779 5 ปีที่แล้ว +4

    If this loan was for the daughter's education, SHE should be paying it off, not the mother. It made it easier for the daughter to go to college. I had to pay for all of my own college and worked FULL time to make it happen. It wasn't easy but when you're young, you can go without sleep for days!!

  • @lionelluva
    @lionelluva 4 ปีที่แล้ว +1

    I agree with David 100%

  • @Lexylulee
    @Lexylulee 4 ปีที่แล้ว +1

    Glad im smart and told my daughter flat out NOPE!!! Im not even going to think about it.. Then when im older ill have debt calling..NOPE AGAIN

  • @chinocampos4088
    @chinocampos4088 4 ปีที่แล้ว +3

    Why are parents paying for their kids college.
    In other countries kids live rent free and they pay their own loans.

    • @sarrahwilson8149
      @sarrahwilson8149 4 ปีที่แล้ว +1

      Some of us don't get rent free either tho. That's all I wanted. Moving out on my own was the cheapest thing I ever did.

  • @rajbeekie7124
    @rajbeekie7124 5 ปีที่แล้ว +2

    I don't think a conversation is the best way. I am thinking this should also be written down so there is no room for miscommunication. If the mom and stepdad are tight for money they are guilting the daughter into financing their life. Now, if money is no problem, then the stepdad is being an idiot.

  • @9StickNate
    @9StickNate 4 ปีที่แล้ว

    Better than watching Judge Judy!

  • @hijinks21
    @hijinks21 5 ปีที่แล้ว +4

    The amount of people who are adults and still scared of their parents is nuts

  • @flexibleaspect
    @flexibleaspect 4 ปีที่แล้ว

    *Blood is thicker than water... but so is quicksand.* Enforce boundaries with others-including family-for your safety, sanity, and the overall health of the relationship.

  • @dwightschuette8960
    @dwightschuette8960 4 ปีที่แล้ว +4

    I bet you the daughter guilt trip the mother to signing for the student loan for the daughter. Stepdad probably saw that and told the mom not to pay for since it is her daughter's education. There is more than one side of the story. Kids can be manipulative to their parent in order get something.

  • @666dynomax
    @666dynomax 5 ปีที่แล้ว

    what answer did this girl want.... she knew what dave was gonna say lol

  • @bellacee9358
    @bellacee9358 3 หลายเดือนก่อน

    Man I’m appreciating my not so lovely Mom now 🤣

  • @laneisha08
    @laneisha08 5 ปีที่แล้ว +15

    This is why my son already knows at the age of 8 that I’m not paying for his college.

    • @xxpowwowbluexx
      @xxpowwowbluexx 5 ปีที่แล้ว +4

      laneisha08, but Dave actually recommends saving for your kids’ college.

    • @grandmastergyorogyoro532
      @grandmastergyorogyoro532 4 ปีที่แล้ว +1

      Then when he grows up he will send u to old age home and not visit u there

  • @meganbrumble
    @meganbrumble 5 ปีที่แล้ว +1

    If I'd known that the money my mom signed me up for student loans. Idk if I'd gone to school since I couldn't afford. I would love to know where my share of my dads dependent education fund went. As I didnt get any of it. Military dependents get free college. Nope not me..

  • @neanderthaloutdoors5299
    @neanderthaloutdoors5299 5 ปีที่แล้ว

    Excellent advice

  • @timcritchfield
    @timcritchfield ปีที่แล้ว +1

    Her parents are very selfish. It seems there is more to the story than being told, maybe the daughter doesn't know about. It seems like the Step-Jerk-Father is in full control over her mother. Another sad part is that you can hear this lady's child in the background, she has her own kid or kids to take care of. Her Parents are not living up to their responsibility and putting more weight on her.

  • @jennym007
    @jennym007 4 ปีที่แล้ว

    I would put all this in writing and give both parents copies and then leave.

  • @aw8758
    @aw8758 5 ปีที่แล้ว +5

    This is all about how u grew up imo. I personally would never ask my parents to pay for my college. That’s just me. Now the people that are lucky enough to have their parents sign their loan, I feel bad for them, but they have to pay it I guess. I mean it’s on her name anyway so why do you care 🤷🏽‍♀️. My stepmom son is going thru the same thing she owes 56k for his college smh and he can’t even get a job w his degree. I was raised that after high school you get a job go to school and pay your own way. But this is America where kids are 100% spoiled and tell their parents to pay their schooling lol it’s crazy.

  • @edwinortiz1262
    @edwinortiz1262 4 ปีที่แล้ว

    She won't pay the parent plus loan? I've always thrown the debt at me. It's a co-sign for a loan for YOUR college.

  • @faizsk864
    @faizsk864 4 ปีที่แล้ว

    I don't have any kids so far and i am 23 , i wonder what my mother got in return for raising me and paying my whole education journey ?
    Also why i should pay for my childs higher education ? Instead just let him choose between student loan or hardwork for scholarship or just get a job.
    Or just don't have child at all.

  • @alicelindborg5096
    @alicelindborg5096 3 ปีที่แล้ว

    What if Ramsey solutions came up with a form as part of FPU or another of their programs that parents and their children could fill out with written agreements about college money help?

  • @kentlane8269
    @kentlane8269 4 ปีที่แล้ว

    Get everything in writing and notarized

  • @angelitageraldinespanishte5829
    @angelitageraldinespanishte5829 5 ปีที่แล้ว +2

    First time I do not agree with DR... Come it is your education... Your mom was a good mom by raising you... Now do your part and pay for your Education... That bill is yours and nothing but yours... Maybe the mother is on a fixed income... You are a grown up married and happy and your mom has to face issues with her husband because of you at this stage... No man! ... Sorry. Be the bigger person and pay for your own education. At the end the one who is gonna benefit is just you and your family.

    • @MsPants1632
      @MsPants1632 5 ปีที่แล้ว +1

      Angelita Geraldine Spanish Teacher-ASL Instructor I agree. I too usually agree with Dave but no mater the fact the mom agreed to pay half, it’s causing strife if her marriage and will now cause problems with the daughter. I’d just pay MY college tuition and save relationship with my mom who thought she was helping me years ago... ugh. These college tuition videos where the kids feel the parents owe them a college education really get me annoyed.

  • @tonyaelmore7610
    @tonyaelmore7610 4 ปีที่แล้ว +3

    Yes mom signed the loan but it was for the benefit of the daughter. Mom doesn’t benefit at all. I sure that’s her perspective.
    This. Is. Why. I. Would. Not. Do. It.

    • @LluviadeOrugas
      @LluviadeOrugas 4 ปีที่แล้ว

      tonya elmore yes, I’d like to know what the mom has to say

  • @frostgfx
    @frostgfx ปีที่แล้ว

    Hey Mom... Pound Sand!

  • @00Noontide
    @00Noontide 4 ปีที่แล้ว

    She's a nice girl. Sorry to hear she's being taken advantage of.

  • @dwightschuette8960
    @dwightschuette8960 4 ปีที่แล้ว

    She should have asked the stepdad about the situation

  • @ImOldandSoAreMyBooks
    @ImOldandSoAreMyBooks 5 ปีที่แล้ว +4

    There is already a problem in the relationship. No point working hard in a relationship the other doesn’t care about. I mean it’s only $8k. Uber hard for a couple months.

  • @gumarovasquez5825
    @gumarovasquez5825 4 ปีที่แล้ว

    The mom is using the step dad. Calling it.

  • @privateprivate8366
    @privateprivate8366 4 ปีที่แล้ว

    This is an older video but, sounded like I heard a baby in the background, too. Too bad she can’t tell her parents that they’re also responsible for paying off whatever excess over that half that she paid, instead of her mother, is also due back to her but, she has no legal chance of recovering that probably.