Dave wasn't wrong . "I don't quit" is just s dumb wannabe cool and macho Hollywood phrase which is extremely general, it's like saying "I never step aside": Really? You will just bump into people on the street all the time?
so" i don't quit" feels like some great accomplishment for her...they have recruited her and sje paid 175k to plkay water polo for them???!!!!isn;t she suppose to get scholarship and grants if they recruited her to play for them...but instead they recruited her out of state and she paid 175k to play water polo for them....????!!!!!where this girl has a brain?
lol my kid had a track and field and academic scholarship at a division one school that was an out of state school. She was hurt her first year and they withdrew her track and field scholarship which was 76% of $36k. My response was baby you have got to find you somewhere else to go. "Ain't no body got time for that!"
When she found out the school's not going to cover tuition she should've dropped out and went to in state college and lived with her parents for while.
Especially since Florida schools are half the price of most in state tuition elsewhere. She probably paid 4x more paying out of state tuition compared to instate in Florida.
Rafael Aguilo unemployed history major who is leeching off a 36k a year teacher. No reason to get married, she brought him to FL with her pays everything, no string attached.
What’s funny is that because she said that, it’s not too hard to Google her first name followed by Michigan water polo Orlando Florida” If she never said that, then I probably would never have been easily able to Google it
He is quite direct, but right. She is not doing water polo right now, so technically that $$ only made her happy during that time. It was probably a great experience for her, but resulted in a cost of 145K....damn.
just looked up tuition at Mich State and I realised they charge students $62k from out of state vs those from Michigan which is half as much..wonder what the issue was with her not being paid the money she was promised by them
This is one of those that could have costed less. If you have to remember when going for a job, it pays salary plus benefit which could be 401k, and health insurance. That value has to be taken into account. Plus regardless of what Ramsey says, it gives you good credit. The value of a steady job is worth the debt at times.
I went to Michigan and I can tell you most people who go there talk about how the went to Michigan like vegans will tell you they are vegan or Crossfitters tell you they do Crossfit.
@@JB-kx9bx I went to U of M, but the Dearborn campus. Paid probably 1/2 the tuition of Ann Arbor and lived at home so no housing. And my diploma still says "The University of Michigan"
Daniel Picha I think she was hoping that "the love of her life" would make the NFL and pay it off when he signed the contract. They've been together for over 4 years and aren't married, and he hasn't made the NFL. Says quite a bit right there.
She probably thought that NFL check would easily clear out her debt. She sounds like an entitled gold-digger. Her attitude at the beginning said it all. I'm surprised Dave kept his cool.
That is exactly what it sounds like. He hasn't even proposed or married her. She thought she'd locked down a golden ticket, but it turned out he was bronze.
That’s why I like Dave. If you’re looking for: str8 up solutions/answers, guidelines to financial success & non-sugar Coated info, then Dave is the right guy 2 ask help 👍🏽
This is refreshing actually. We live in a time of great delusion and he is telling people what they need. This school system is a giant scam and people are falling for it.
“I have $175 K in student loans and only make 38.5K a year BUT BUT BUT I was recruited to play Division 1 Water Polo. ... AND I met the love of my life.UMMM No we are not married. ....UMMM No we are not engaged.” The woman is a pure unadulterated GENUIS !!! 😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂
But I met the love of my life! Are you married? - no Are you engaged? - no How long have you been together? - 4 years. My brain just popped, lol. Sounds like the love of your life to me. Totally worth 175k!
Young Man has 0 in student debt. He meets young woman who has 175k in student debt.They get married (debt increases to $225k). They have two kids and buy a house (5 years later debt increases to $425k).. Financial struggles continue. The woman is unhappy and files for divorce. Man loses the house and must pay child support. He divers deeper in debt. Man is in a studio 1/2 furnished as he looks at his child support garnished check and thinks to himself. How the F*ck did this happen?
Save Money SHE BETTER HAVE A KILLER BODY FROM ALL THAT WATER POLO PLAYING SHE BETTER BOW DOWN TO THIS GUY AND WORSHIP HIM SHES GONNA NEED THE BACK UP!!!!
Okay, future teachers out there. First of all, we need you. Second of all, you do NOT need anything past a bachelor's degree to teach, unless you're going to teach past high school. Third, you do not need to rack up $175,000 in debt to get a teaching degree. There are many other schools around that offer the same degree. The school that will hire you, will not care that you graduated from a division one school. They only care that you're qualified, and licensed for the position they need filled. I graduated with a secondary teaching degree with a little over $5000 in student loans. I didn't do anything extra other than working in the summertime, and keeping a work study job during the school year.
This call was golden. Everything that Dave Ramsey hates. Almost 200k in debt for being a teacher, staying in school for your "passion" that won't get you a job anywhere, and majoring in history when you want to be in the NFL. "I don't quit". "Division 1". "Water polo". Lol. Oh geez.
Tuck Tummy My brother in law cancelled his plan to marry a girl 10 years ago because of the huge debt in student's loan too. Imagine marrying someone with loan to pay monthly. It eats up the love in marriage eventually.
I'm a wedding dj with a high school education and I make 80k year with 3k invested into equipment and zero debt. I started 12 years ago. First year I made $43k. Year 5 was my best year at 92k. It's not about whether a college education is worth it or not; it's about having a plan and making decisions according to it.
Watching these vids for about 3 months and remember this one as one of the first - a real example of hobbies that people feel are more important than their life.
I have no words for how incredibly stupid her life choices are. If you are going to end up with $175,000 in student loan debt, at least be a doctor or engineer to justify that kind of debt. Not an English teacher earning $38,000/year. She won't pay off that debt even if she made payments for the next 40 years
What she needs is a plan to make more income. I looked her stats up. She was an elite player. She should find a college near her that would make a deal where she works as an assistant coach in exchange for her to attend classes working on a masters degree. She clearly has passion. So she works as a teacher for Main income, then gets to "work" on her passion to get Masters which will put her in higher pay scale, plus get her closer to doctorate. Then she gets PhD. Perhaps becomes Athletic Director somewhere
It would certainly help her to coach on the side plus she could take a secondary summer job and take in another 5k there. She's only been teaching 3-4 years on this call. Her income will rise up into the 40s soon enough.
it cost $175,000 bekuz they are robbing us, then they tell us to go back to get a another degree if we want to make more money.... they trick people, I was tricked also, my own fault..... now i'm trying to get out of it
That is why people don't learn as much as they should, too worried about the cost, not the books, too stressed, about money, instead of focusing on a great education..., most likely being taught by someone who is still in debt, or used to be in debt, so the education is not being taught right
@@lefthanded5473 Yeah thats true...luckily being a home owner in Boston you get a tax break as well as for having a mortgage. I've started my 6th year teaching and am at 91k....not all school districts pay the same though. My cousins live in Florida as well and housing costs and what they make are far less.
Omg, she did reveal so much info about herself, you could find her story right away. Flashforward to 2024, married a NEW love OF HER LIFE in 2022 and is a Sales Rep now. Sad that most people quit teaching because it doesnt pay much and the added stress doesnt help.
People keep touting loan forgiveness as the be all end all of getting rid of student loan debt without the understanding of exactly what it takes to have your loans forgiven. Only 1% of those who applied for student loan forgiveness actually had their loans forgiven. It's an extremely complicated process to have your loans forgiven
+2Phast4Rocket What's more frightening is that Congress thought it wise to de-regulate the student loan industry, so that now those companies are free to engage in predatory practices. That's how she ended owing so much. What other idiocy will Congress indulge in?
Brian you are not addressing the problems with the student loans. We, the tax payers, finance all the student loans and we, made it easy for the 18 years old to rack up loans that would shock everyone. And because we finance the loans the law of supply and demand no longer applies to the cost of college because when the tuition goes up, the students just get more loans. If we apply to real law of supply and demand and the government doesn't get involved, when the tuition goes up, less students are able to attend and that will keep prices down.
. . . . .because. . . . it was Division I Water Polo!!!!!! You never played Water Polo before, right?! Water Polo!!!! Just kidding, I agree with you, she kept rationalizing her huge 175,000USD mistake and G-d bless Mr Ramsey for being cool and going ham on her for making such a huge dumb decision, and repeating it at that!
She probably borrowed two thirds of the $175K but with compounding interest, the balance ballooned over the 4yrs since she graduated. Assuming the original balance was $130K, she would have had to make at the very minimum $1500 monthly payments just to cover the interest. And I can guarantee you she was not paying that amount. Not on a salary of $38K/year
Apply for jobs at colleges where you want admission for undergraduate/graduate programs or are currently attending. If you get hired then you may get free or reduced tuition = Employee benefits package. During your Bachelor's degree, ask if you can use some Master’s degree courses to satisfy requirements towards your Bachelor’s degree (some programs allow this).
Out of curiosity, so if she is 4 years out of college, she is about 26. Why can't she work on weekends and during the summer too? I don't care, but why has she NOT done that already? She could have had something paid lower. When she says, "I don't quit". That sounds like more denial, that I was dumb.
she probably took out loans for living expenses as well. if she paid the full price four out of state, + living expenses....I can see it. Dumb move, but I can see it.
She said she didn't get the money she was promised. Not sure if that means they didn't give her the scholarship they told her she was getting or it was less than she was told. Both seem illegal unless she didn't sign anything.
Anax of Rhodes Haha no, my schools football team is a mess yet they get funding. But that's FOOTBALL, her sport doesnt bring in any money that could give her a full ride .
I don't have a Master's degree but I also have no debt, especially $175,000 in student loans. I'm sure she has a car, probably wants to buy a house, have the big wedding and all that. I watch these clips sometimes and think, "Maybe my decisions haven't been that bad".
I feel so relieved hearing these stories whether they're real or not. I went to a community college prior to a university which allowed me to come out of the war with $20k to pay. People need to bite the shame bullet and go to a junior college or put their adventurous personalities in the back seat when it comes to college.
You can just tell she has been rationalizing this debt, “met the love of my life” “division 1” “ I don’t quit”. First off if you can’t even look at your mistakes and improve your bound to repeat them.
if he's smart he won't. Problem is, many men are insecure and don't think they can get a woman and in haste, take the first one they see (regardless of the baggage she brings).
The thing about out-of-state tuition is you’re only “out of state” for one year. As soon as you move in you sign up to change your state of residency so that the next year you don’t have to pay out of state tuition.
He didn’t even really map her out a plan! I think partly because she came off as a tad testy. Dave - “Well you and your future husband is gonna have to figure out something”
You’re missing the point- her arrogance would prevent her from doing anything of the sort. I can just hear her telling the other waiters how she was a D1 water polo player for the University of M; while she slings hash and wipes off tables.
Yes, a teacher can easily tack another 10k onto their salary with part-time work, coaching stipends, tutoring, etc. She'll also go up on the pay scale within the next couple of years.
I tried to get my daughter to attend a public graduate school ( for a law degree ) Instead of a private school. She has about the same level of debt as this young girl and is now married with kids and she and her children are suffering. But they have made a commitment to try to pay off their loans. When your daughter is older, married and wants to go to grad school, it’s hard to stop her from doing dumb things.
We Chinese have an old saying "儿孙自有儿孙福，莫为儿孙做马牛”, which means your children have their own fate, don't be a horse or cow for them. Your daughter is an adult that will have to make her own decision finally and she will have her own consequences for her own decision. There is nothing you can worry about her coz it wouldn't help. Especially you've done your part by voicing your opinion.
It's pretty amazing to think on this one. Girl gets scholarship to Michigan and meets boyfriend who goes on to the NFL. You'd think that would be a dream come true situation for anyone. Yet, she's at poverty level.
+SeanP7195 It is fairly obvious that she did NOT get a scholarship; she was a walk-on in a non-revenue sport, which is why she paid out-of-state tuition. And, why is it that I have the feeling that the BF never even got a call from the NFL?
It’s been 10 years since this call. I wonder if 35 year old Casey married the football player, found a way to increase their income and get out of debt 🤓
Maybe her parents did not intervene because they just did not know better themselves. I was raised by a great grandmother who only went to 9th grade. She was clueless about a lot of stuff, but thank God, I still got some good math and budget training, because my great grandmother had run her own business. So I went to college and yes, I got loans, but I was very conservative and avoided them as much as possible. Now, with good budgeting, I live comfortably and will be debt-free in about five years. Also, I will benefit from some loan forgiveness, due to my public interest employment. I would not change a thing. But if I was younger and about to go to college now, I'd probably would avoid all loans. I know I will be encouraging my son to avoid any educational loan.
You're right on that. Neither of my parents went to college, in fact they barely graduated high school lol. But they are excellent budgeters and know how to use money. I'm going to start applying to colleges IN STATE and avoid every loan possible. I'm thinking about becoming an accountant or doctor, still haven't decided haha. But you're absolutely right and I agree. Just because you have a college degree doesn't mean you're smart.
" I quit doing things that are stupid all of the time"
I love Dave
i dunno.this guy makes me wonder about that one lol,
Hillarious but he was wrong for that one lol!
Dave wasn't wrong . "I don't quit" is just s dumb wannabe cool and macho Hollywood phrase which is extremely general, it's like saying "I never step aside": Really? You will just bump into people on the street all the time?
Hustler's Kung Fu I'm always so scared to call him in case he's grumpy that day!
Hustler's Kung Fu I literally burst into laughter when he said that!!!!!!!!!!!
BUT, It was DIVISION 1!
hahaha!!!
yeah, don't forget that point!
I'm jealous
Water polo. Is she serious? There is no way she was offered that much money if any. What was she thinking?
bonnolog 😂😂😂😂😂
when she said "I don't quit" I literally LOL
Yeah same here!
Nicholas Petitt bahahahahaha
i know, poor thing thinks she is tough :)
so" i don't quit" feels like some great accomplishment for her...they have recruited her and sje paid 175k to plkay water polo for them???!!!!isn;t she suppose to get scholarship and grants if they recruited her to play for them...but instead they recruited her out of state and she paid 175k to play water polo for them....????!!!!!where this girl has a brain?
lyanna lyanna apparently she "quit" trying to get the money that was "promised" to her
It was division one, Dave.
Division one.
lol my kid had a track and field and academic scholarship at a division one school that was an out of state school. She was hurt her first year and they withdrew her track and field scholarship which was 76% of $36k. My response was baby you have got to find you somewhere else to go. "Ain't no body got time for that!"
😂
Those are gonna be some D1 rice and beans, beans and rice
"I don't quit" lmaoooo this is not what they mean when they say don't be a quitter..
Obaid Baig 💀💀💀💀😩😩😩🤣🤣🤣🤣
Obaid Baig "I don't quit" that part killed me
But it was division one!
Sounds a lot like cigarette smokers
💀💀😂
"I don't quit" and "Division 1" comments are so revealing about her stubbornness.
She's young. It hasn't hit her just how dumb this decision was.
And the "love of her life"
She probably either won’t get married or will divorce,she’s too delusional about life .
Exactly
When she found out the school's not going to cover tuition she should've dropped out and went to in state college and lived with her parents for while.
Nope because she met him right before graduation... so she really was just that stupid
sidharth chand yeah but her husband will pay , so it’s fine
But it was division 1
Especially since Florida schools are half the price of most in state tuition elsewhere. She probably paid 4x more paying out of state tuition compared to instate in Florida.
Bridget Yes she made lots of mistakes.
Not regular water polo but DIVISION ONE water polo! LOLOLOL
acrvids 😂😂😂😂😂
Dang, I usually think about water polo exactly once every four years ("oh look, Olympic water polo is on" *changes channel*)
Just to clarify... it's not division 2, not division 3, it's division 1
University of Michigan
That was one of the most entertaining segments!
And the "Love of her life" is unemployed. Hit me over the head with a bat!
I laughed when I heard "History degree" for him.
Ben did you hear Dave's voice drop? I was like 'omg....'
Rafael Aguilo unemployed history major who is leeching off a 36k a year teacher.
No reason to get married, she brought him to FL with her pays everything, no string attached.
cloverlief my Sister in law has a BA in History and makes almost 50k a year. Although it is with a Charity
😂😂💀💀 why are you people like this?
Dave always has the best comebacks!
Her: "I don't quit"
Dave: "I quit doing things all the time that are stupid"
LOL
Dave’s a dad!
I found it extremely awkward for how special she thought it was to play division 1 water polo
Yeah but it was Michigan Water Polo.
But it was division 1...
Wait, are you saying it was division 1?
@@dec23 yeah i'm pretty sure it was division 1 waterpolo
What’s funny is that because she said that, it’s not too hard to Google her first name followed by Michigan water polo Orlando Florida”
If she never said that, then I probably would never have been easily able to Google it
Guys she doesnt quit! even if it costs 175k!
Nobody watches water polo=nobody cares.
Her: I don't quit
Everyone: You need to quit!
They should have charged her more
@Fuhq Boi yup! For sure! But she's a division 1 mud shark!
She is exactly the kind of person credit card companies love.
'Because I don't quit' lol what a comment
+ScarletKnight it's as if she was trying to redeem herself
+ScarletKnight Yeah, so she stayed as a "walk-on" for four years. LOL
Keep that thought while paying this debt.
what an idiot....she is a looser who didint quit stupid idea...
gmualum08 couldn’t think of a more useless pair. They’re truly meant for each other, no one else would want them LOL
She thought she was going to be an NFL trophy wife.
@Sysiphus Syziggy not if you're short and dumpy
😁💯👍
Any evidence for this? Because it's clear now she's not, and it doesn't seem to have lessened her love for the guy.
@@greenAbbot they are both washed up sadly
Hahaha
I cracked up every time Dave said "Water Polo?"
division 1..😂
🤣😂 watching this again
Lol are you married? No are you engaged? No.....👀😩
But he's the love of her life! 😂
Chile! I hollered
Probably for the best, a marriage/wedding at $175k dollars in debt probably isn't a good idea, it'd just put her deeper down the fox hole..
This clip is from 2013. Wonder if they are still together?
Exactly!
He is quite direct, but right. She is not doing water polo right now, so technically that $$ only made her happy during that time. It was probably a great experience for her, but resulted in a cost of 145K....damn.
costed? C'mon son
Obviously a mistake. Thanks for catching that. It is now corrected, son.
just looked up tuition at Mich State and I realised they charge students $62k from out of state vs those from Michigan which is half as much..wonder what the issue was with her not being paid the money she was promised by them
She Meets City She should have went to university of Florida for in state tuition
This is one of those that could have costed less. If you have to remember when going for a job, it pays salary plus benefit which could be 401k, and health insurance. That value has to be taken into account. Plus regardless of what Ramsey says, it gives you good credit. The value of a steady job is worth the debt at times.
Dave didn’t understand it was division 1, that’s the real issue here.
LOL
She should have mentioned it a few more times lol
😂😂😂
😂😂😂😂
Division 1 that was not a full ride and she had to pay out of state tuition.
She probably says "I went to Michigan." every other sentence.
She's all about status. She thought her boyfriend was going to buy her a 'Porsche Cayenne, like the pepper.'
I went to Michigan and I can tell you most people who go there talk about how the went to Michigan like vegans will tell you they are vegan or Crossfitters tell you they do Crossfit.
@@JB-kx9bx I went to U of M, but the Dearborn campus. Paid probably 1/2 the tuition of Ann Arbor and lived at home so no housing. And my diploma still says "The University of Michigan"
@@jhopkins213 I thought you went to JHU by reading your profile name.
Dave Ramsey should start a series where students come to him with financial questions and he gives them advice BEFORE they accumulate tons of debt!
That dude better run for the hills. If he pays her 175k in debt he is being taken advantage of big time. Wish we got a follow up on this call.
Daniel Picha I think she was hoping that "the love of her life" would make the NFL and pay it off when he signed the contract. They've been together for over 4 years and aren't married, and he hasn't made the NFL. Says quite a bit right there.
Awful Aim
Alimony is the dumbest thing still in existence today. If we're all equal that's one thing that needs to be a thing of the past asap.
At the rate things are going he has nothing to worry about, as he is still looking for a job himself.
women also pay alimony.You would think you should know this by now, you know..since you are not dumb.
The way she kept stressing the love of her life made me scared for that guy. He is about to be saddled to a lot of debt.
She didn’t even get her MRS DEGREE ... smh
Cold Facts!! 👏🏿👏🏿👏🏿👏🏿👏🏿
The comments on these vids. However, it was division one!
She probably thought that NFL check would easily clear out her debt. She sounds like an entitled gold-digger. Her attitude at the beginning said it all. I'm surprised Dave kept his cool.
rogue D
stop it now, she's the 'victim,' remember?
rogue D hmph you’re probably right about that!
ash rob I could just kill all of you mortals and then no one would have to ever worry about debt again
That is exactly what it sounds like. He hasn't even proposed or married her. She thought she'd locked down a golden ticket, but it turned out he was bronze.
Goku Black use your ultra instinct on these infidels
dave is rude but hilarious and real. People need to hear that honesty. Even if it hurts.
I like Dave because he keeps it real.
That’s why I like Dave. If you’re looking for: str8 up solutions/answers, guidelines to financial success & non-sugar Coated info, then Dave is the right guy 2 ask help 👍🏽
This is refreshing actually. We live in a time of great delusion and he is telling people what they need. This school system is a giant scam and people are falling for it.
Dave makes you LEARN the lesson
. I don’t think his rude his just very honest
I’ve listened to this 4 times and it keeps getting better each and every time!!!!!
I have this saved in my favorites and relisten every now and then too.
@@trebmaster This along with a collection of over a hundred videos of horrible, heart wrenching debt videos by Dave Ramsey I saved!
“I have $175 K in student loans and only make 38.5K a year BUT BUT BUT I was recruited to play Division 1 Water Polo. ... AND I met the love of my life.UMMM No we are not married. ....UMMM No we are not engaged.” The woman is a pure unadulterated GENUIS !!! 😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂
But I met the love of my life!
Are you married? - no
Are you engaged? - no
How long have you been together? - 4 years.
My brain just popped, lol. Sounds like the love of your life to me. Totally worth 175k!
It sounds like to me that the love of her life doesn’t want to pop the question.
Young Man has 0 in student debt. He meets young woman who has 175k in student debt.They get married (debt increases to $225k). They have two kids and buy a house (5 years later debt increases to $425k).. Financial struggles continue. The woman is unhappy and files for divorce. Man loses the house and must pay child support. He divers deeper in debt. Man is in a studio 1/2 furnished as he looks at his child support garnished check and thinks to himself. How the F*ck did this happen?
Save Money
... red pill
No PillJust common sense.
Save Money SHE BETTER HAVE A KILLER BODY FROM ALL THAT WATER POLO PLAYING SHE BETTER BOW DOWN TO THIS GUY AND WORSHIP HIM SHES GONNA NEED THE BACK UP!!!!
Save Money well said!
hahahaha, happens to a lot off suckers 😂😂😂
I watch the Dave Ramsey show instead of watching horror movies. gives me almost the same effect
Okay, future teachers out there. First of all, we need you. Second of all, you do NOT need anything past a bachelor's degree to teach, unless you're going to teach past high school. Third, you do not need to rack up $175,000 in debt to get a teaching degree. There are many other schools around that offer the same degree. The school that will hire you, will not care that you graduated from a division one school. They only care that you're qualified, and licensed for the position they need filled. I graduated with a secondary teaching degree with a little over $5000 in student loans. I didn't do anything extra other than working in the summertime, and keeping a work study job during the school year.
If it's a school in the ghetto, they just need a pulse.
appelk yes but our income sucks if we only keep a bachelors. You just have to do it right
It wasn’t her intention to become a teacher.
LOL teachers are the dumbest his hers on earth
WHOA, this girl is screwed. However, she went to a division 1 school. LOL!
and she doesn't quit! Unless it comes to scholarships apparently
This call was golden. Everything that Dave Ramsey hates. Almost 200k in debt for being a teacher, staying in school for your "passion" that won't get you a job anywhere, and majoring in history when you want to be in the NFL. "I don't quit". "Division 1". "Water polo". Lol. Oh geez.
Noname but it was division one!
What should you major in when you want to be in the NFL?
@@keyboardwarrior327 something that pays a decent salary considering making it in the NFL is million to one odds.
RUN DUDE! Do not marry someone with $175k in debt!
best advice ever. I heard a guy dumped a girl he was about to marry because she was 5k in debt. everything starts out small!
Tuck Tummy My brother in law cancelled his plan to marry a girl 10 years ago because of the huge debt in student's loan too. Imagine marrying someone with loan to pay monthly. It eats up the love in marriage eventually.
I think we're on the same page here, Tuck ;)
Ramblin' Wreck :)
Right. Especially when he has NONE. She should have played a sport that pays.
I love her response when he says "You spent $175k to play water polo?" and she is like "division 1" like that justifies it lol.
Wow.. waterpolo? dreams are expensive!
And people know it - so they charge you to achieve it!
Dude, I mean cmon though she was DIVISION ONE!!!!
hahaha
Division One bro.
I'm a wedding dj with a high school education and I make 80k year with 3k invested into equipment and zero debt. I started 12 years ago. First year I made $43k. Year 5 was my best year at 92k. It's not about whether a college education is worth it or not; it's about having a plan and making decisions according to it.
"You need to quit smoking"
Her: "I don't quit"
This is also a product of raising a generation of kids to “follow their dreams, do what makes you happy, don’t go after the money” etc
"eharmony doesn't even cost that much!"
I lost it here xD
The pride in her voice when she said "I don't quit" 🤣🤣
Yea! Thats femenist ideals!!
Is the solution to always find a man to pay for your debt? I keep spotting these videos.
Haha true!
It seems like the men in these videos who are engaged or with a girlfriend who is in debt but must be blinded by the woman's good looks.
For the guy the love of his life cost 87.5 k dollars, it's apparently good.
Once the debt is paid usually the woman will leave.
Watching these vids for about 3 months and remember this one as one of the first - a real example of hobbies that people feel are more important than their life.
I have no words for how incredibly stupid her life choices are. If you are going to end up with $175,000 in student loan debt, at least be a doctor or engineer to justify that kind of debt. Not an English teacher earning $38,000/year. She won't pay off that debt even if she made payments for the next 40 years
...And this is the kind of woman society puts in a classroom to teach our children?!
This is the GOAT of Dave Ramsey calls.
What she needs is a plan to make more income. I looked her stats up. She was an elite player. She should find a college near her that would make a deal where she works as an assistant coach in exchange for her to attend classes working on a masters degree. She clearly has passion. So she works as a teacher for Main income, then gets to "work" on her passion to get Masters which will put her in higher pay scale, plus get her closer to doctorate. Then she gets PhD. Perhaps becomes Athletic Director somewhere
How is she going to pay for a Masters?
I think the education industry has already taken advantage of this girl enough.
@@FrauIndian When you work at a college you get free tuition, hence working as an athletic assistant.
Elite college athlete sign a scholarship.
It would certainly help her to coach on the side plus she could take a secondary summer job and take in another 5k there. She's only been teaching 3-4 years on this call. Her income will rise up into the 40s soon enough.
The love of her life will assume a life of servitude along with her. Fellas! If they are loaded with student loan debt keep movin!
+Dylan Newell Girl better be hot, we already know she is crazy in the head and crazy in the head = crazy in the bed
Should the ladies do likewise?
Vydio yup I'd give the same advice to any female in the same situation.
What? No, forgive student loan debt.
“It doesn’t cost 175k to meet the love of your life!” 😂
She literally can go manage a Walmart and make more!
I wish Dave was more understanding that is was Division 1 water polo.
William I died when she said that 😂😂😂😂😂
Why does it cost $175k to go to school?! Libraries are free!
ya I really dont get it, a bachelors shouldn't cost more than 60-80k, how do they rack up such high bills?
badmudda Probably dorming expenses as well.
it cost $175,000 bekuz they are robbing us, then they tell us to go back to get a another degree if we want to make more money.... they trick people, I was tricked also, my own fault..... now i'm trying to get out of it
joemo7384 Yes I suppose. Its pretty tragic how someone must get into a mortgage sized amount of debt to go to school in this country.
That is why people don't learn as much as they should, too worried about the cost, not the books, too stressed, about money, instead of focusing on a great education..., most likely being taught by someone who is still in debt, or used to be in debt, so the education is not being taught right
Omg Really Water polo? Get 3 jobs sister and pay this off Sell everything
English teacher in Orlando, FL makes 38,500 a year? Why would you stay in that job? Water Polo. Wow.
Robert Dees Because she probably can't afford rent so she still lives at home. Remember she's from Orlando.
Robert Dees it’s division one!
I know...crazy. For Boston Public Schools teachers start at 60k+
@@purplecupcakexo The Cost of living and taxes are enormous in Boston compared to Orlando so it evens out.
@@lefthanded5473 Yeah thats true...luckily being a home owner in Boston you get a tax break as well as for having a mortgage. I've started my 6th year teaching and am at 91k....not all school districts pay the same though. My cousins live in Florida as well and housing costs and what they make are far less.
Omg, she did reveal so much info about herself, you could find her story right away. Flashforward to 2024, married a NEW love OF HER LIFE in 2022 and is a Sales Rep now. Sad that most people quit teaching because it doesnt pay much and the added stress doesnt help.
“DIVISION 1, yes sir” lol 😂
Rightfully so, David gave her a beautiful reality check the first MINUTE! This was beautiful to listen to. Great going Dave!
Look into teaching in low income areas that forgive debt
What?
Or find a better district this can help a bit my town start teachers off at 50k a jump she would Iove I think
They only forgive up to 17k of you student loan debt.. not worth it
Erika Cuellar and you pay taxes on loan forgiveness! they count it as income
People keep touting loan forgiveness as the be all end all of getting rid of student loan debt without the understanding of exactly what it takes to have your loans forgiven. Only 1% of those who applied for student loan forgiveness actually had their loans forgiven. It's an extremely complicated process to have your loans forgiven
My grandpa wasn’t a quitter. He saw things through till the end. Died of lung cancer from smoking
America, the scariest thing is she is a teacher and she is teaching your snow flakes.
+2Phast4Rocket What's more frightening is that Congress thought it wise to de-regulate the student loan industry, so that now those companies are free to engage in predatory practices. That's how she ended owing so much. What other idiocy will Congress indulge in?
Brian you are not addressing the problems with the student loans. We, the tax payers, finance all the student loans and we, made it easy for the 18 years old to rack up loans that would shock everyone. And because we finance the loans the law of supply and demand no longer applies to the cost of college because when the tuition goes up, the students just get more loans. If we apply to real law of supply and demand and the government doesn't get involved, when the tuition goes up, less students are able to attend and that will keep prices down.
But mercifully it's English she teaches, so the harm is minimal, as the student tends to tune that subject out.
+MegaBall PowerBall 1985? lol
abitamim I have a degree in chemistry. I have never used it once. I make way more money with my own business and as a handyman.
This call kills me because she never connects with him. She just keeps rationalizing her reason for going to that school.
. . . . .because. . . . it was Division I Water Polo!!!!!! You never played Water Polo before, right?! Water Polo!!!! Just kidding, I agree with you, she kept rationalizing her huge 175,000USD mistake and G-d bless Mr Ramsey for being cool and going ham on her for making such a huge dumb decision, and repeating it at that!
So she borrowed 36k a year for four years? Insane.
+magicpony9 I'd like to know how she did that when the limit for FDSL Loans is $12,500/year...and less for Freshmen and Sophomores.
@@ShikataGaNai100 private loans
@@numbereightyseven apparently the other guy didn't watch the video
Yes when you go out of State, you have to pay out of state fee.
She probably borrowed two thirds of the $175K but with compounding interest, the balance ballooned over the 4yrs since she graduated. Assuming the original balance was $130K, she would have had to make at the very minimum $1500 monthly payments just to cover the interest. And I can guarantee you she was not paying that amount. Not on a salary of $38K/year
We need an update on this lady.
She probably still paying that debt.
Apply for jobs at colleges where you want admission for undergraduate/graduate programs or are currently attending. If you get hired then you may get free or reduced tuition = Employee benefits package. During your Bachelor's degree, ask if you can use some Master’s degree courses to satisfy requirements towards your Bachelor’s degree (some programs allow this).
"Congratulations, you played yourself."- DJ KHALED
Out of curiosity, so if she is 4 years out of college, she is about 26. Why can't she work on weekends and during the summer too? I don't care, but why has she NOT done that already? She could have had something paid lower. When she says, "I don't quit". That sounds like more denial, that I was dumb.
she's getting ready to stick hubby with 6 figs of debt.
This doesn't sound right. I'm a former Division I athlete. She must have borrowed way more money than she needed for school.
she probably took out loans for living expenses as well. if she paid the full price four out of state, + living expenses....I can see it. Dumb move, but I can see it.
She said she didn't get the money she was promised. Not sure if that means they didn't give her the scholarship they told her she was getting or it was less than she was told. Both seem illegal unless she didn't sign anything.
+Ky Smith She must have been a walk-on. Remember, water polo is a non-revenue sport...one step up from a club sport.
Does funding get pulled if the team doesn't produce results?
Anax of Rhodes Haha no, my schools football team is a mess yet they get funding. But that's FOOTBALL, her sport doesnt bring in any money that could give her a full ride .
Dave is so straightforward I love it!!!
And politicians are talking about forgiving student loans for people like her.
Biden's people says that she is an easy target.
She's delusional. She still doesn't get it because she is trying to justify it.
I don't have a Master's degree but I also have no debt, especially $175,000 in student loans. I'm sure she has a car, probably wants to buy a house, have the big wedding and all that. I watch these clips sometimes and think, "Maybe my decisions haven't been that bad".
Jesus Christ they aren’t even engaged but he’s the love of her life...
At first I though "OMG, she must have really lived the high life in college." Then I saw that Michigan charges $60,000/year tuition and fees.
I mean yeah... Didn't you know It's division 1?
Best Dave Ramsey call of all-time
I feel so relieved hearing these stories whether they're real or not. I went to a community college prior to a university which allowed me to come out of the war with $20k to pay. People need to bite the shame bullet and go to a junior college or put their adventurous personalities in the back seat when it comes to college.
You can just tell she has been rationalizing this debt, “met the love of my life” “division 1” “ I don’t quit”. First off if you can’t even look at your mistakes and improve your bound to repeat them.
He doesn't owe her anything and I wouldn't pay off her debt. He should not marry her. LOL
if he's smart he won't. Problem is, many men are insecure and don't think they can get a woman and in haste, take the first one they see (regardless of the baggage she brings).
Speak for yourself lol
The thing about out-of-state tuition is you’re only “out of state” for one year. As soon as you move in you sign up to change your state of residency so that the next year you don’t have to pay out of state tuition.
$175k in debt and is a teacher making $38k! She didn’t learn anything in college!
The entitlement was slapped right out of her during this phone call 😂
If they don't give you the money you were promised, then quit water polo!!!
Come on, it's division 1!
THANK YOU for bringing up her parents... And of ALL the classes taught in school, why isn't Financial Literacy one of them??
It was division 1!
He didn’t even really map her out a plan! I think partly because she came off as a tad testy.
Dave - “Well you and your future husband is gonna have to figure out something”
The husband doesn’t have a job, hard to give a plan without material to work with
People get pissed when I ask for 20 dollars. Lending someone 175k is criminal.
This one is the funniest call. I don't know how Dave kept his composure lol..
Teachers can work during the summer. And wait tables at night. And tutor after school. And her BF needs a job!!!
You’re missing the point- her arrogance would prevent her from doing anything of the sort. I can just hear her telling the other waiters how she was a D1 water polo player for the University of M; while she slings hash and wipes off tables.
Yes, a teacher can easily tack another 10k onto their salary with part-time work, coaching stipends, tutoring, etc. She'll also go up on the pay scale within the next couple of years.
I tried to get my daughter to attend a public graduate school ( for a law degree ) Instead of a private school. She has about the same level of debt as this young girl and is now married with kids and she and her children are suffering. But they have made a commitment to try to pay off their loans. When your daughter is older, married and wants to go to grad school, it’s hard to stop her from doing dumb things.
We Chinese have an old saying "儿孙自有儿孙福，莫为儿孙做马牛”, which means your children have their own fate, don't be a horse or cow for them. Your daughter is an adult that will have to make her own decision finally and she will have her own consequences for her own decision. There is nothing you can worry about her coz it wouldn't help. Especially you've done your part by voicing your opinion.
Thanx for reminding me that following my passions may not always be the greatest idea!
Very eye opening! And very sad....The cycle of debt!?
1:21 Dave just gulps because there are no words 🤣💀
It's pretty amazing to think on this one. Girl gets scholarship to Michigan and meets boyfriend who goes on to the NFL. You'd think that would be a dream come true situation for anyone. Yet, she's at poverty level.
+SeanP7195 It is fairly obvious that she did NOT get a scholarship; she was a walk-on in a non-revenue sport, which is why she paid out-of-state tuition. And, why is it that I have the feeling that the BF never even got a call from the NFL?
ShikataGaNai100 She had a scholarship and it was pulled. This is common in NCAA athletics.
"Cinderella Fantasy" is NOT a sound financial plan!
SeanP7195 She didn’t get scholarship as promised and he wasn’t good enough to get drafted to NFL. It’s a sad story. It’s actually tragic.
Odds are , The so called "love of her life" will NEVER marry her with that huge Debt !
Wonder how she taught the horse to swim
AZDuffman 😂😂😂🐎
Bruh
175K buys lot of oats
This is by farrrrrrr my favorite Dave call! Every time I see it I watch lol
Caller: "I don't quit."
Dave: "I quit things all the time that are stupid."
I laughed out loud at that 😂
It’s been 10 years since this call. I wonder if 35 year old Casey married the football player, found a way to increase their income and get out of debt 🤓
Prob not
"$175,000 for water polo"
"Division one"
I was feeling down this morning, this cheered me up :)
Maybe her parents did not intervene because they just did not know better themselves. I was raised by a great grandmother who only went to 9th grade. She was clueless about a lot of stuff, but thank God, I still got some good math and budget training, because my great grandmother had run her own business. So I went to college and yes, I got loans, but I was very conservative and avoided them as much as possible. Now, with good budgeting, I live comfortably and will be debt-free in about five years. Also, I will benefit from some loan forgiveness, due to my public interest employment. I would not change a thing. But if I was younger and about to go to college now, I'd probably would avoid all loans. I know I will be encouraging my son to avoid any educational loan.
You're right on that. Neither of my parents went to college, in fact they barely graduated high school lol. But they are excellent budgeters and know how to use money. I'm going to start applying to colleges IN STATE and avoid every loan possible. I'm thinking about becoming an accountant or doctor, still haven't decided haha. But you're absolutely right and I agree. Just because you have a college degree doesn't mean you're smart.
Anika Pasilis Good for you! I wish you well, and hope that you will keep thinking smart. "In state" is the way to go, avoiding loans like the plague.
Thank you!
Are you debt free?
Wowwww.... “I quit doing stupid stuff all the time....” DYING