I Bought a Car With 27% Interest!
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- เผยแพร่เมื่อ 11 มี.ค. 2024
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SINGLE MOTHER WITH A 27% NISSAN ALTIMA OH MY LAWD SHE IS THE MEME
Legit 😂
Lmaooo
😂😂😂
Isn't the 27% interest rate for the Jeep Compass? I mean, it really doesn't matter, both cars are terrible purchases...
She’s an SIP fo’ Sho!
Fu*k that. I’d rather take public transportation than to take a 27% car loan
Exactly wtf I’m doing and paying off my debt like an absolute beast. Lmao.
Single mom or not, I would get me an electric bike and a helmet ⛑️ because 27% is literally ROBBERY.
She said she put 5k down. She could have just purchased a car for 5k or less.
@@RVLOGRIFFSI have three vehicles and each of them were well under $5,000. They also didn't have the transmission go out three times either.
Not just any car loan a 27% car loan for a Jeep Compass. She's just pissing money away. If it was a Corolla or a Civic, it would suck, but at least the car would be worth something.
This girl doesn't only need financial advice, she needs overall guidance in all aspects of her life.
This poor girl is lost
Yeah that's why she called. A lot of people out there are struggling . At least she didnt' abandon her kid like tons of people dod. The dad high tailed it out of there. She isn't blasted on drugs or not working. She is trying to find a solution.
@@danielrn133you speak like you know the dad personally. Come to think of it, you speak as if you're her, either that or you're projecting
@@danielrn133The dad is paying child support and has visitation.
What makes you think the divorce was his choice? Most (70%) are initiated by the woman (90% by college-educated women).
She needs salvation from Jesus Christ asap. Pray for her.
No she isn’t. She sounds organized and she works mothers and goes to school
This girl has a million red flags that go way beyond finances, and y’all coddled her. She has a track record of making bad decisions and labeling herself a victim. Dave woulda called this out. How is she $70K in debt for a bogus degree that she hasnt even finished??? Why doesnt she know the time and date of her graduation? Why is she not working full time when she has a child in school? Why did the kid get kicked out of daycare? Why is she having kids with men who she’s not married to yet she’s too broke to live alone?
PA school bogus? I agree with 70k in undergrad being ridiculous but how are you so brainless ?
Bro, if she was of color, the comments would have been 'much' different!
The typical single mom really. Nearly anyone I know who's a single mom is just like her.
@@calebharris4127he didn’t say PA school is useless. He said her degree that she is currently in debt 70k for is useless. She said she’s in debt right now for a psychology degree that she hasn’t even finished yet.
U gotta listen, she don't have 70k in debt right now I think that was only 18k from the school. She said once she was done with school completely it would b 70k on top of that 18k she already got so close to 90k for school 😂
“I’m a single mom so that means I’m dumb” is such a gross cop-out for ignorance
being a single mom has nothing to do with it.
Some women will legit use any excuse or reason for their dumb mistakes. Its pretty annoying. "My child" is one of the worst excuses used.
"I'm a single mom therefore (insert worst decision)".
Hey, those Republicans didn't teach her anything after she gave birth. They could have put her in some finance classes!
@@Ka_GgI couldn't imagine being a parent (single or not) in today's world. So unaffordable! 😢
@@jazzyj6640 yes, some things are unaffordable or at least tougher, but at the same time a ton of people make things harder on themselves. I think the average car payment for a new car is closer to 1,000. Factor in all the other stuff that people buy and many people don't even try to make it easier on themselves.
She doesn't need a psychology degree. She needs the services of a psychologist.
LOL. Very true. She does not make very good decisions to be going into a field where you give advice to people that need mental help.
Some people never learn. She had had a Nissan that breaks all the time and then she went to buy a Jeep! Just buy cheap Toyota. Is it that hard to understand?
She wants to be a Physician Assistant, but she's incapable of doing the 10 minutes of research that would make it clear that a Nissan and the Jeep have poor reliability. Apparently she picked her cars with the same care she used when she picked her baby's daddy.
But the cheap Toyota isn't new and fancy! They will also use the argument that an older Toyota isn't safe as if they will get in a fender bender and their kid will immediately die from being in a car that wasn't built in the last 2 years.
@@alberttang6955not even 10 minutes..... 10 seconds.
The single moms will spend all their day on tik Tok watching shorts, but they will not do a simple Google search on a vehicle that are getting ready to buy.
He'll, toyota's reputation has been so good, they're not cheap anymore. Kia is as cheap as it gets while still being dependable
@@alberttang6955Baby's daddy may have given her the same advice, and she didn't like not getting the car she wanted.
27% interest on a car loan is not unusual. People who have HORRIBLE CREDIT routinely get charged between 24% and 32% interest. I sold used cars for 10 years, so I'm not making this up.
Not unusual doesn't mean automatically take it. We had a guy get hit with 30% and he walked out the moment he heard that. Can't blame the guy. Guy has money . Ita the fact that he's only been living in the US for 6 months and has no credit history that got him that 30%.
To some extent, if his credit score was that low, this dude probably should have taken the loan at 30% and paid it off in full the next day (assuming no or minimal setup/discharge fees).
Yep. I worked reception/admin at a used car lot and the number of interest rates I saw in the 30+ percents…. Not to mention they sell you the dream of cleaning up your credit by continuously trading and swapping cars with them until someday you’re magically out of debt and paying low interest… crooks. Every. Single. One of them.
Yes , and 15% of the population (not unusual) have an IQ below 85.
I love how she said that the car dealer took advantage of her for selling her a $20,000 car but doesn’t say that the college is taking advantage of her for charging her over $200,000 for a stupid piece of paper that she can’t afford. We need to get our priorities straight.
Also, she should have taken advantage of the car dealer, being a young mum without any money.
She meant the 27 % interest. Of course she was stupid. Does she have not one savvy friend (male or female) that will go with her ?
But why does she think they only took advantage of her with the baby with that 27%? Surely, people without babies have fallen for that too @@franziskani
Only in modern America are people able to be victims for getting more money
@@franziskani 27% interest is crazy. Dealerships are incentivized to give out the lowest rate possible on loans to get the vehicles sold. She must have had terrible credit. There’s a lot she wasn’t telling.
imagine this trainwreck is your therapist in a few years...
Funny thing is most therapists are train wrecks themselves lol
@@trip3174 true :D
@@trip3174 They can see and solve other people's problem but not their own.
@@trip3174lmaooo that’s cap
@@user-tk1xd9js1z
Nah. That’s why most therapists are crap and just try to get people medicated.
In debt to get a psychology degree? Oh boy...
70k for an undergraduate degree is crazy. And you don't make good money in psychology without a graduate degree. Alot of mistakes were made by this young lady.
That was concerning.
She is taking science classes that she can leverage to get into nursing
@@ForeverYoung-fc3eoshe should get a job and leverage that into getting a promotion debt-free.
She's gonna be looking for her "bailout boyfriend" in a few years.
Bought a 20k Jeep Compass, can sell it for 7k a year later, what a horrible purchase
As soon as she said she had bought a Jeep Compass I rolled my eyes because those cars are some of the worst cars ever made. Had she just taken 10 minutes to research the car online she could had found that out.
And it has the same transmission that her Nissan had to have replaced 3 times.
I agree, a brand new Jeep Compass is one of the worst SUVs you can buy. I worked with someone who bought a brand new Compass, drove it for five years, and when he traded it in for a Toyota Camry, the dealership gave him only $6K for his five year old Compass.
@@evoman44 💀💀💀
@@jrhunt414
Did you not hear the part where she said it’s been in the shop a lot?
I am over 5 minutes in and the drama bomb drops are still falling.
Typical female caller. Wonder why her and the boyfriend broke up?
@@djpuplextruth speaker
@@djpuplexit’s simple. boyfriend is a Chad/Tyrone and doesn’t want to take care of the kid! typical female caller: had baby out of wedlock, tons of debt, high interest cars, low income, plans to take out more loans smh
She will be looking for a simp to save her from her awful decisions smh
Has she tried marrying the father?
@@djpuplexHe was a "narcissist" duh😅
"Single mom" and "newborn baby" used in the same sentence. WOW!! Then she mentions "full-time student", a "boyfriend", etc, etc, etc. What could possibly go wrong? I think she has run through every red flag known to mankind and STILL has no idea what she's doing. And just because she wants to go back to Pennsylvania doesn't mean the father will go along with that. He has rights, too.
Plus her son got kicked out of preschool, indicating he needs better parenting, not Mom going to PA school states away from Dad.
Also, it is amazing to me that a lot of these “single” parents that call are all going to school. How do you have time to do that? I get it you want to further your education so that you can make better money in the future but you are not living in the future right now. You are living in the present and your present looks very, very grim. right now you are supposed to be grinding like no other. You should be working 2 to 3 jobs to dig yourself out of this hole not go to school. That’s just my opinion.
Wait until I tell you about he guy who abandoned her and his kid. Like how the dude abandons his family and you are worried about "his rights". You know how many moms abandon their kids? Get wasted on drugs? She is TRYING. I guess you never made a bad decision in your life. Must be nice.
@danielrn133 Oh, she's TRYING, alright. She's TRYING the patience of everyone who has to deal with her. Or to be the stupidest person who ever drew breath. Nobody in their right mind makes as many mistakes as she has and her comments sound as if she isn't going to change, either. And, yes, unless they have broken the law or harmed the kids, every parent has the right to have access to their children if they so choose.
@@danielrn133 Where'd you get that?
She said Dad pays child support and has visitation.
70% of all divorces are filed by women. 90% for college-educated women.
Never ceases to amaze me how people claim victimhood because of the situations they put THEMSELVES into. "I'm a single mom, so they took advantage of me"....
Right. It’s like cutting off your own leg and complaining that you’re disabled.
No accountability
I find im less and less symoathetic with victimhood esp with single mums, what is wrong with people...have an illegitimate child is so irresponsible, and to study and rack up debt is ludicrous,
She was just calling for advice, she wasn’t trying to cop out of her debt.
Women are allergic to accountability
I’m a nurse practitioner in Philadelphia, Pennsylvania. She ain’t getting $200k. She can forget it.
how much can she expect/?
@@lionheart93 probably $100k-$160k. If it’s in academia it’ll be lower but great retirement & healthcare.
Edited to add: some of us are making the higher end $130k-$160k in psych. I do some expert witness testimony on the side and that’s pretty lucrative but u have to BE an expert for attorneys to hire u. That’s not happening the first 5yrs out. In the field it’s generally understood that it takes at least 5yrs to move from novice to expert.
Not sure who told her 200K right out of school. More like 100-120k.@@Herhighness211
@@Herhighness211is it salaried or hourly ? My mom was one in New York City and cleared 200k.
Edit: I just answered my own question, New York City duh !!! 🙄
@@lombardo141there are personal trainers and plumbers making 250 in NYC. New York is a different universe from why where she is.
I just looked it up, a PA in Pennsylvania average salary is 123k top earners are 157k. She needs a reality check, crazy what people think they’re going to make starting in a brand new position.
Those salaries don’t always be accurate tho when you look them up
Alabama will the lower than that, too
She’s a single mom, of course she’s delusional.
When she said $200k I was like is PA some kind of shorthand for Psychiatrist? Because I’m not even sure psychiatry residents earn that much straight out of med school. Then it’s revealed she hasn’t even started PA school yet. Then she mentions she hasn’t finished her psychology degree yet. She’s counting whole generations of eggs before they hatch.
After 5 minutes of research, I have confirmed that $120k is considered an excellent entry salary for PA’s, and offers go as low as $80k with good benefits. You’d have to look down the golden goose’s ass to find anyone say you can expect $200k entry salary.
She's a self destructive land mine field. She's not gonna take their advice. She's gonna call back in 8 years with 250k in debt with 2 more kids and 2 divorces.
Facts!
@patriotdrone9566. But she'd have to get married first in order to get a divorce and, judging from what she's said so far, I doubt that will happen.
100%
@@marlenalinne oh she will eventually find at least 2 idiots to lock down in the future.
😆😆. Wholesale changes mentally need to happen now or she’s done. She needs to figure out how to get that debt under control and credit rating up somehow.
5:54 Rachel’s body language once she hears the word “Psychology” 😂
Rachel was all of us 😂 😂
Doctors don't even start at $200k, what makes her think a PA would start that high?
There is this thing call Google. Where you can look up starting and average salary's.
she won't make it through school for a PA license
@@chcarroll5164 why?
Even experienced PAs don’t make that much! She’s delulu. As someone who is married to a nurse practitioner, I sure wish that was true. 😅
My thought, if she is that smart to be a PA, she won’t be in the current situation.
All I hear is "Because of this...Because of that...." no accountability
Wait just a minute..... Stop being a victim and take ownership of the fact that you didn't do your own research and educate yourself before making larger purchases!
That’s why she is calling in…
When did she claim to be a victim? Who is raising the kid? She is. Dude is long gone as usual.
Uh, no! She did claim to be the poor single mom who they prayed on at the car dealership. She also said that the father has partial custody and pays child support! Maybe you should listen to the video again perhaps! @@danielrn133
@@danielrn133What do you keep posting this?
She said the Dad is paying child support and has visitation.
She is taking responsibility by calling in to see what would be wise for her moving forward.
I took out a car loan at 20% interest. My credit was crap and i needed a car. I paid it off and my next car was at 2.9% you gotta do what you gotta do sometimes.
Suddenly, I feel much better about my financial situation.
🤣
Doesn't mean your put of the hook.
" I just lost a finger. I feels much better knowing it was just a finger and not my whole arm."
@@TheIronChainMaster spoken like a true European grandfather.
I mean this is me in a way, but I'm making 65-70k and paying off my student loans (60K). I realize it was a mistake, and I'm not working in my degree, but my job pays for my masters (in something useful lol). I also have paid off my car. It's not about past decisions, but about how you own up to your mistakes.
Single mom that went 70k into debt for an undergrad psych degree. Here's your sign.
sounds like ex boyfriend avoided potential headache. I love how people justify the student loans on unrealized future income prospects. Nothing is guaranteed until you start depositing paychecks.
You know, we have a problem when women consider child support income.
Hence why so many men are put on child support with the quickness.
Rachael’s face to hearing this story is priceless 😂
Can we just appreciate that the boyfriend got out alive?
What if she got pregnant again? I’m glad he escaped.
@@jimmyboy1582glad he contributed to a broken family?!?!
@@rd24life not his problem how about she go look for the man she got pregnant by. It is not another man’s responsibility to fix another man man’s problems.
That's mean 😂
💀💀💀
By her previous financial choices, I guessed Psychology major correctly.
Why would you buy a 20k car on less than 30k/y salary & at 27%! Get a 3k car for a couple of years and you're set
So true and I would have put lots of money on nursing and a Nissan
Thats insulating and presumptuous .Many people have studied psychology and nevermade such bad financial decisions. It comes down to financial illiteracy, lack of role models.
Um no. Don't categorize psych majors; moot point, & it has nothing to do with her choice in finances.
@@drlisa3 you're 100% correct, but my psych major prejudice was right once again
She is not financially literate - obviously. Likely thought they would be nice to her when she walked into the dealership with the kid. The Nissan transmission serial problem was an additional problme (that was back luck). Also dumb of her to not surrender the car and get a lawyer engaged (earlier !) AND: she calculated that she could share rent and cost of living with her boyfriend, plus he may have saved her some cost of child care and made it easier for her to work.
So the decision to buy the car was made when she had other circumstances. She paid down 5k, so she should have saved up up borrowed 3k more.
Given how little she makes, it would have been better to buy a used car cash with maybe 8,000 - 10,000 USD. Normally such a car will be a few years old and the worst problems should have manifested. Under 8k one does not get a reliabe car, and now she is alone, she cannot have a car that may or may not work.
(The mythical 1000 USD beater that Dave Ramsey talks about, does not exist).
I remember being naive and thinking a college degree guarantees a good income. Then I graduated.
I get the idea behind paying off smallest to largest debts, but when you have a 27% interest rate on $10k, you should use the $5k to pay that down first. Paying off debts that are 0% or low interest rates first is stu pid in this particular case.
Exactely. If she avoids paying 27 % on 5k then it is 1350 usd less interest. Sure the interest continue on the other debt, but that is not nearly as much. She will net 500 - 800 USD from doing it in a reasonable order. Psychologically speaking she is a hot mess, and it is not only her relationship with money.
I agree 27% is the exception
I agree but Dave isn’t here so they have to stick to his method
That would make sense but that’s not how car loans work. The interest is already baked into her payments. She should knock out anything that has accruing interest or just borrow any extra $2k to get out of the car entirely.
The Ramsey snowball method doesn't math well. It's about psychology and it actually costs people money.
Never been so angry with a caller, absolutely ridiculous
It is not the car dealership. iT IS YOU !
27 percent interest is brain damage.
Absolutely right
She's upside on the 27% interest car loan? No way!
She dug quite a hole. But she had the guts to call in, hope she makes it out.
Yeah, I’m glad to see she is realizing that she could use some guidance. Bravo to her. I hope she does well
Lol but she was delusional. She clearly isn't going to take any advice. She blatantly lied and is just insane.
Constantly amazed at the situations people get themselves in to. I lost count of the bad decisions this caller has made. Wow. Really hope she gets it turned around.
Exactly.
What's chilling is there are a lot of woman like her out there. I had a friend like this woman, took her 10 years to complete a 4yr degree because she kept failing classes and then changing her major. By the end of it she had a student loan 3x's a normal 4yr degree should have so when she got a job with a ...starting salary for her degree... she wasn't happy! Her student loans ate away at the majority of her income so what does she choose to do? Well, go back for her masters degree so she can make more money to pay off her first round of student loans. Yo, I tried sooooooo hard to talk some sense into her but it didn't work. She's now still living with her parents at the age of 40, but at least she can tell all of us she's in school for her masters.
@@linlin55 yikes. Bad decisions on top of bad decisions.
This is why financial planning course should be taught and made it mandatory in grades school.
If Dave had taken the call, he might have been merciful and resisted the urge to say her life is like a country song.
Small detail, but the caller doesn't realize that a voluntary repo is the same as a regular repo. Her situation wouldn't have changed if she turned in the car.
Might as well turn in the car too. Her credit trashed already and get a beater.
The way she’s describing like she’s the victim. Nobody forced her to sign the loan
Shes a single mom, don’t be too hard on her.
Wow, paying almost a third the cost of the car in interest. Mind boggling
That’s why if you hafta take a high interest loan you better only finance like 7000 …only way to offset that high interest is to pay way more than minimum each month
When you pay 30% interest you are paying double for the car
For a Nissan...
Per year. I bet it's a 6 year loan.
@@SRD1281 Jeep. Even worse.
So apparently if you have a baby, you dont understand interest rates?
There are some....SOME girls that will use having a child as an excuse for everything. Sure, there are some times it makes sense but lets not use the baby as an excuse here.
Better yet...she could keep her legs shut from here on IN....
Moral of the story is to buy a Toyota!
I have a 2007 Toyota Tundra. I am approaching 500,000 miles. Original transmission and engine. It runs great!
Definitely DONT buy a nissan! 😂😂😂
@@mitchellpollock1
Things are bullet proof
And not to get a 27% interest loan, those dealership smoking crack and screwing people with those loans.
That and avoid most single moms if your a single guy.
The single most impactful factor when it comes to poverty having a partner who works. I am amazed that so many women would sleep around and have children with men who are not reliable. This whole situation would never happen if she was a little more selective with the father of her child, it makes a massive difference.
I feel bad for her. But watching these videos makes me feel better about my life choices and my situation
Yea that's what the major of ppl here feel i bet
you really shouldnt. all of the decisions shes made put her there.
Your taxes go to cover her bad choices - she's clearly comfortable in the safety net, and that net will never go away, so she will continue to make those bad choices. And her kid is 95% likely to fall into this same cycle of bad choices over the course of his life, especially with no father in the home.
Car salesmen have been living off people like this for generations.
But honestly, these people jump into the ocean while bleeding, then get upset when the sharks eat them alive.
and your the shark ?
@@WestCoastPCbuilder No...I just recognize the environment we swim in. It's kept me from calling the Dave Ramsey Show with problems like the caller.
Specifically… loan sharks.
Give custody to her son’s father since she’s unable to support both herself and him. Why don’t you guys ever offer that as a solution? All these misguided single mothers choosing to raise kids in chaotic dysfunctional poverty is absolutely ridiculous 🤦🏽♀️
They won't because then that would lower the mother income and God forbid they suggest that on Dave's show rather that benefits the child or not😅
Most single mothers wouldn’t agree to that because then they won’t be able to use the “single mother get-out-of-jail free” card anymore or brag about how they did it on their own.
Most fathers opt out of their children’s lives. When they do seek custody, they often do get at least partial custody.
@@ethxo6734 “Most fathers opt out of their children’s lives” - with a statement like that, you definitely need to go outside more and talk to real people. Stop reading propaganda
@@ethxo6734That’s a wives tale. As a woman I see a lot us deliberately alienate the kids from the father because we’re bitter the relationship with him didn’t go as expected not because he’s a bad father or opts out. Even this caller was plotting to take THEIR child out of state. It is emotional abuse towards the father and the kids and it is reprehensible.
What a nightmare. Bad choice after bad choice
Her credit is already shot because of the prior repo. I would just walk away from this 27% car loan and buy a beater car.
Who in their right mind would finance someone with 2 repos on record? Lol. She is screwed
@@timgibney5590 she also has a student loan on file as well
You know you dont just walk away from a loan right?
@@JOZoSo. You can declare ch11...She might as well run up some more debt first tho imo since she already ruined her credit lol
@@pete64041trying to get a place to live with her son? She better find another boyfriend to help out.
She's paying $4k per year just for the interest on $15k. I understand the need for a vehicle but if it doesn't make financial sense it should be reconsidered. Also, a PA in Pennsylvania makes $60k to start.
Watching this as a single, 24 year old with no kids…has made me realize my situation isn’t bad at all
My husband is a PA in Pennsylvania try 70k a year.......pa school is horribly hard to get into...........she desperately needs a plan b
Your husband sounds underpaid or just out of school. He should be averaging out at 100k
I’m an NP in Philly. I’m seeing $100k-$160 for NPs and PAs. Some of us are making more in psych but not much more.
Hez 2 years out but We are out of clarion county which isn't the richest.....
Think y’all should move or switch jobs
It’s so competitive
Please women, take a guy with you when buying a vehicle. A brother, grandfather, uncle, dad, pastor, cousin. Hate on me you want but most of the time it would probably turn out better.
100%. Car salesmen are like sharks circling prey when a young single woman walks into the dealership showroom. A young female friend once called me from a dealership distraught because according to her "They won't tell me the actual price on any of their cars!" The salesman was playing games, trying to get her to sign off based on the monthly payment amount she could afford without mentioning the out the door price of the vehicle. I told her to leave immediately. She later went shopping with her dad, and he did the hardball negotiating.
Not necessarily. My husband is a pushover and I ask the hard questions.
@@DoctorSmartyPants99.9% of the time I'm right.
@@DoctorSmartyPantsyou’re the exception to the rule. Calling your husband a pushover is sad though
@@DoctorSmartyPantsSounds like he was there though and that makes a difference.
Being a single mom means you have no room for error! Never rush into any decisions. 😢
Anytime you think your finances are a mess, just think about this caller.
The car dealership didn’t take advantage of her. She had bad credit and bought a car that was $ for her.
Someone told me last week he had a 25% interest rate on his car and I didn't even believe him. 17 was the highest I had ever heard of. Mother of mary
Apparently college doesn’t teach you anything about finances
Or anything about life
Or reality
Nah, not unless you’re in a business related major
Most lucrative scam in history. The key to convincing someone that not working for 4 years is going to quadruple their income is making sure they don't know anything about money.
Ya think?
Boy does she sound like a great catch.
The advice they gave a full time student and a single mom was too double her income 😂😂😂
Shes making like 15k insta carting probably maybe and then child support. You can go get a job doing fast food or retail and make 27-35k a year working 40+ hours + she can still instacart while working that. She could double her income easily if she wasnt lazy.
She’s not pausing PA school. She’ll be calling in a couple years about drowning in $200k of debt and will be blaming it on the dad
Pausing for 4-5 yrs is crazy talk from them
@@reese85she can’t afford not to pause it
I do not sense financial freedom coming her way in this millennium.
She needs guidance from more mature people. Appears, she's on an island by herself.
> Appears, she's on an island by herself.
That would have been ok. Unfortunately she has a child too ... :/
She should have done everything in her power to hang on to her ex boyfriend.
@@kbthegoat824strong independent woman she thought the grass was greener on the other side
@@drewoyebade4458 Or maybe HE found the grass greener. Ever heard do the men that start affairs during the pregnancies of their wives - or while the child is still little. Sometime the male wants the child, and as soon as his wife is happily pregnant, he "falls in love" with a side piece. Some dudes cannot cope with the responsibility and start all kinds of evasion maeneuvres.
A child (and before that even her pergnancy) changes everything, and all insecurities and immaturities will come out. A lot of relationships fail (or are rocked at that time).
Good thing she called in to get some guidance.
Girl math....it checks out...legit.
starting salary for pa is slightly under 100k….college kids are clueless about salaries. all you have to do is simply research salaries.
She DID say she researched it, but people who work in the field seem to beg to differ.
This should be a Caleb Hammer episode
How the heck does this chick think she is going to go to PA school with a child and no other support?!! There is no way in hell, she will have to be able to get to clinical and lectures every day!! She needs to find some family support for sure prior to even thinking about PA school, good for her for getting to that point, but maybe she will need to wait until her kiddo is a bit older and more independent! You will not be making 200K right out of PA school, maybe 130K.
This lady is delusional! 200k nope 👎
She plans on having dad babysit and pay her rent while she parties with her deadbeat boyfriend.
She needs to go to nursing school
Uh, no. NURSING BLOWS!!! I don't recommend anyone do it, I cannot wait to get out of it!! @@ForeverYoung-fc3eo
nissan dealer with 27% interest rate, typical Big Altima Energy
I'm 70k in debt for a psychology degree. It makes me cringe to hear that. The same goes for a 'communication' degree. It's such a waste of money. PA's done make 200k out of school.
PA School? Is this girl nuts? PA school is two years long, costs about 100K and YOU CANNOT work during school. With her BAAAAAD decisions about money, is she gonna take 100K in student loans? Can she even get them? She needs to get her life in order before thinking about school. How will she pay rent, car, feed the kid...when she CAN'T have a job?
Its not the dealers fault. U chose the deal. Thats on u
They should've asked, 1) What is your GPA? (PA is highly competitive and you need a 3.9+ to even get accepted) 2) Who is going to help with childcare? (PA school requires long hours for studying and internship)
“It’s me, hi, I’m the problem it’s me”
She isn't going to do it. She's getting the loan.
She needs to take Rachel's & George's advice and hold off of incurring any more debt for school. She'll need that PA income to pay that extra debt off, and maybe that PA income won't seem so great with graduate school debt to pay off. She's got to stop digging that hole.
She sounds like even if she made 200k she would still be in debt because of her decisions.
RUN from this girl as fast as possible
Going to make $200k😂😂😂😂
@@lot2196 Yeah once she gets a sugar daddy she will want to SAHM
And all like her, of which there are many!
The boyfriend got the lowdown and said See Ya Later 😂
Unless you’re a car salesman! Invite her right to your desk and make her comfortable! 😂
She is the definition of this quote - If you want to do something in life you will find a way, if not you will find an excuse.
I am a physician. There is no way a PA is going to make $.200,000!! That may be just a rare exception, but I have never met any PA or NP who makes that amount of money🤦♂️
120k-150k is a good range for a P.A. however, there are plenty of jobs where you can make close to that. You just have to work 50-60 hrs a week.
Traveling nurse makes 250k
With the decisions this woman has made in her life, she's not intellectually cut out for PA school.
She thinks when she comes staright out of PA school with no experience she will be offered right away top of the line for what PAs working 2 jobs make...Lol!
She needs go to nursing 2 years program
That's the elephant in the room no one's talking about
The likelihood that this lady will pass the GRE and get into PA school sounds slim. Someone with this poor of judgement doesn’t need to be a PA anyway.
Also, a psychology degree is nothing but a token degree that says you've seen the inside of a college class. I doubt she has the intellect to take the grueling courses a PA degree requires
PAs do not make 200k out of school. They often have trouble finding their first job since they have no clinical experience. They then start in the low 100k region.
Not too mention she’s not even in PA school. She hasn’t even been accepted into a PA school yet. This chick knows nothing about being a PA.
@@michaellightbown9492Hasn’t even taken the exam yet; she acts as if it’s going to be a walk in the park.
Anyone else hear Caleb Hammer shouting "DEATH" when she said 27%?
27%? She must have a credit score of 6.
Or they just tried and she fell for it (dummy went in with the baby and likely thought they would be nice to a young mother. Nope - in their mind she displayed naivite). i read it in the comment section of another video (also outrageious car loan) recently. Sister called brother (while she was at the dealership) told him that they offered her a 24 % loan. He told her to go on speaker, then told her that they were trying to rip her off, and that this was WAY too high. They ended the call - and sister later called him to tell him that she got a loan with 6 %. The car dealership likely gets a good cut from the excessive interest (more than is justified by credit score).
They saw a single woman ... and they tried.
@@franziskani Yeah, the dealer gets a commission for booking the loan between 1% and 3% depending on the rate. So that means she was still getting a rate of between 24-26%.
"They took advantage of me."
No sweetheart - they're doing their job. You took advantage of you.
No sweetheart... you can not trust corporate America, they are the slimiest. But if you had no credit score or a bad one... yah, you have no choice.
@johnSmith-uz8nl no. You CHOOSE to walk in the dealer. You CHOOSE the car. And you CHOOSE to sign your name on that 27% interest contract. Stop coddling this victim mentality! That's also a problem. People need a reality check and she's getting hers
70k on a psychology degree that she “hopes” to graduate with in December with. Girl is LOST!
And a Jeep Compass😮😮😮 Good lord.
Right… terrible choice of a car.
Yup heard bad things about them in the car issues of Consumer Reports.
This call really needed a classic "the person to blame is in the mirror" Davism. The new talent is too soft 😂
🤯 Victim mode and not taking responsibility…Sounds about right.
People sure know how to dig themselves into hole.
Quit school (for now) and go get 6 full-time jobs
I hope Danielle reads the comments. please don’t go into more debt for PA school. The average PA makes 100k to 110k in AL. You will be so much happier if you save and cash flow your way thorough.
I’m and NP and it made everything so much less stressful to cash flow the journey and end with no debt
Good luck
“Single mom with a kid, took advantage of” …forgot to add also “bad credit” 😂
Lesson on how to NOT make bad decision after bad decision
This is why I hate student loan forgiveness. Every aspect of her screwed up situation was self inflicted. I paid off my student loan. She can pay off hers. A 27% interest rate is just another example of her faulty decision making.
What a disaster of a life. Imagine making that many bad decisions
I took my first car at 24% with no co-signer because I was desperate for wheels. I learned my lesson and would never do that ever again lol. My credit is now really good now.
She seems to be trying to do everything to not have to work full-time.
whats crazy is even with good credit right now you're looking at 8.9%.
27 is insane though
The 70k student debt is way worse than the car...
My psych degree did nothing for me. I paid off my loans in a couple years but I had to give up luxuries and work 6-7 days a week to do it. I encourage people to avoid psych degrees unless your going to grad school. Irony, I'm in grad school but it's not for psych.
What in the world?! She makes $26k a year (plus that figure includes child support) and has a $15k car note, a $700 apartment, and a child? Man I really wish she said her degree was in mathematics or biomedical engineering. My friend has a psychology degree and a masters and works in retail.
Hey bro I still sleep with a baby blanket at night but I’m still responsible with my life and finances, and I shouldn’t be judged for that.
This is such a mess, george and rachel look flabbergasted 😂
They look so uncomfortable. They’re trying to be really nice but you can tell they’re thinking “what a s#%*show”.