$207,000 Student Loan Debt!!
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- เผยแพร่เมื่อ 29 ก.ย. 2019
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Someone needs to create a dating app, that requires your debt to income ratio to be seen before joining.
Dallas Ryder 😂😂
😂😂😂
Just ask that’s what I’ll do
Golden idea
that would eliminate or red flag 80% of females under age 40
Dave is intimidating 😂😂😂. I’d be scared to give a presentation to him
Dave: Your life is over!!!!
Caller: Ok....
Dave: Thank you for your call.
Lol I think Dave needs a vacation. He's getting snappier with callers by the day.
avril14thlove Lol right?
Lol
He’s pretty much always been like that.
This is the Dave I like!
Only if he pays cash! 😁
I was worrying about a 7k left on my truck and then i watched this. life is good :)
7k is nothing get a second job and boom it’s payed off
I have 20k in credit card and it's stressing me out
dan cussin - yes it does. One thing I won’t touch is a student loan. It’s ridiculous.
@dan cussin it really does
Michael - I'd be more scared to read comments from viewers on these videos. Ouch!
Isn't it amazing how people with economics and finance degrees and jobs are calling Dave for financial advice
Yes, colleges are lacking by dropping the passing rate just like public schools as long as these colleges are making money.
Loving the different camera angles!
I’ve been dying to see Dave’s left side 😂
haha sir I think we're sometimes on the same videos, the other one with the cheap iced coffee guy lol
(;
I’m paying $500 now towards my debt after watching this video. I’m $15k debt and I can’t breath. Can’t imagine having 207k in debt???😱
15K what is that a car lol? thats nothing.
I’m beginning to see that a pet peeve is not knowing what your debt is in before calling.
Yes lol. These callers are just flat out stup1d for not having that information on hand 😂
If you can live with parents and bring in that kind of income, you’ve got this! When I was single making $47,000 a year, I paid off $10,600 in debt and saved $22,500 in 2 years living with my parents. Be willing to sacrifice deeply for a short period of time! I’m now married with a combined household income of $140,000 and my husband and I are building a home and put down 20%! You CAN do this!
47k after taxes is about 33k. If you did pay off 10k in debt, how do you save 22500? Did u not pay any Bill's.
Josh 2 year period
Josh
She said 2 years. Learn to read.
Josh yep, 2 years. I wouldn’t have been able to do it in 1 year. Some Dave Ramsey diehards would even say what I accomplished in 2 years was mild!
soliye u good job!!! You’ve got this!!! Imagine how you’ll feel when you’re done- you’ll be so glad you made the best use of that time!! I’m happy for you and cheering you on!
The business of university is insane!! People fail to see that college and university is a business and and people are overpaying for a product
Universities are nonprofit or public institutions, funded not just by tuition, but by direct government funding, donations, an endowment, and sports. The only scams are the online and for-profit schools (including trade schools) and services like textbooks. Capitalism is great but there are such things as "market failure" (the technical term), which exists in the healthcare industry, the education industry, and in anything that pollutes. Basically where a market incentivizes the wrong outcome BOTH for individuals AND for society as a whole.
Anthony Brusca non profits and public institutions are still businesses. Teachers are being paid. It is a transaction. The trouble is that it is a transaction that many students are being pushed into because they are told that is the thing to do. Funny part is that my university education was useless. Thank god I didn’t borrow money for it. My uneducated husband however makes more than 95% of university graduates
@@Jdonaleshen I regret my major slightly but not my education. I do have debt, but I may be lucky enough to have it paid off for me and I'm on a debt-payoff plan now.
Buy the books teach yourself don't buy the teacher teachers for useless
@@austintomkewitz7206 Good luck getting a job with that. There are some majors you just CAN'T substitute teaching yourself and a diploma is a sort of certification.
You can tell by her voice there not going to cut there lifestyle! He has been working for 3 years and there loans have just got bigger, they will be still paying in 10 years time.
There 3x?
She’s lying
Ian Mowbray - I agree, but _they're_ not going to cut _their_ lifestyle. Sorry, I'm with the grammar police.
Dave is so gifted for this! His encouragement, intensity and occasional chewing out is "Fuel for Change!" Love this show!
broke people don't need to eat at restaurants and go on vacations. yes sir, Dave!
@@trolli1266 .sibmud yrtnuoc eht fo %09 tuoba gniklat er’uoy nehT
Or have kids! Why have kids, when you are in so much debts?
gonzalo moreno fr
Unless your vacation is paid
I didnt take a vacation with my kids until i was debt free (except house) and had 200k+ in savings. Im boggled by friends who are in 50k+ of debt and 0 in savings in their 40s and going on expensive vacations using plastic. Yikes!
@3:17 That economics degree came in really handy!!
NOT
Dang i make 105k with no degree. Thank god for this opportunity.
What do you do?
@@robertcuellar2467 he's a stripper.
@@neveragain2421 Iol
@@robertcuellar2467 Lineman at the power company
@@NeoAndersonReloaded how you got there? You just took an apprenticeship program n some college...? It's funny cuz I'm trying to get into that and I can't find a clear path of how to properly do it.
Why are NONE of these people calling engineers?
Sell your house, live in a van for a year, save your wages, pay your loans. Problem solved.
They’ll be in good company with the tens of thousands that are about to get evicted or have their home foreclosure on due to Corona. 🤪
My debt was at $23,775 and I regret it every day. Took me exactly 10 years to pay it off too. But even back then as a 17 year old getting that loan, I knew I wanted to borrow as little as possible. Yes, the recession in 2009 made it hard but I got through it somehow.
Unless you wanna be a doctor, don't get 6 figures worth of student loan debt! We really need to say that more often 😩
Imagine having an economics degree and getting in so much debt. Makes me reconsider my major lol. Reminds me that in the end it's not the paper that has your name on it in the end.
People are their on worst client, at what they do for a living.
Boristien405 I have an econ degree, no student loan debt (graduated with 10k in debt but paid it ASAP) no credit card debt, no vehicle debt. 175k household income. No generational wealth. Econ is a good major :)
Abigail O may I ask what kind of job u got with your Econ degree? I also majored in Econ
@@thecrazed777 What job did you pursue? I'm considering Business Econ or Finance. I was considering double majoring, but in trying to save time and 💰
Come into Accounting! There are loads of jobs that it can qualify for!
*Before watching the video*: Let me guess, they make between $120k-$150k a year
Edit: Well look at that
I saw the amount of student loan debt...
I clicked in a most expeditious manner.
Went $207k in debt to make $135k seems like a bad ROI. Sure, the income is high, but the debt is insane.
My friend spent $5k on her schooling and makes $55k. That's a much better ROI.
bhs facts my man.
@@anthonybrown06 You're ahead of her in 2.525 years. (207-5)/(135-55). It's not a linear prospect. By your logic, $0 investment and $35000/year is an infinite ROI. The problem is going 207 in debt, making 135, and living like you make 135. No. Live like you make 50 and pay it off, then live the 135 income life. (Including investment obv.)
@@AnthonyBrusca Making a large income does not make one able to pay off their debts. If they pay off their debt in 2.5 years (no chance) then yes. Me guesses in 10 years they have at least 100k in debt.
@@chartuck Do you even math? A 10 year student loan of 207k at 4.5% is 2,145.32/month. That leaves you with a $25743.84 per year minimum payment. That's a $105k income before the loan payments. Now live Like you make $50k/year and not you have $55k to pay off loans beyond the minimum.
@@chartuck In case you didn't know, student loans are 10 years if paid on a regular amortization without any government relief like income-based repayment plans or refinancing to 20 or 30 years.
Does Dave live on a different planet? 130k gross is 80-90k after taxes
Dave never takes taxes in to account. His math is always tax free income.
@@brandon6773 Boomer logic
Depends on the state, $130k would be $100-110k here in Florida 🤷🏽♂️
She's laughing now, she ain't gonna laugh tomorrow, especially with that economics degree.
The shoemaker’s kids have no shoes. One of my all time favorite sayings.
an economics degree and $207k in debt lol
Ask vi_per001 on IG for help. He helped me
Most likely from Physical Therapy school. It is very expensive.
“I have $164K in student loans. Oh wait, I mean $207K in student loan debt.” That’s a big difference with another $43K. She can’t even add!!!
And she’s got a degree in economics
@@kellyegeline9823 yeah. The degree is probably useless because she is just dumb.
I wouldn't hire her even if she worked for free. And I would probably have a good laugh.
my ex has almost 500k in debt between out of state costs and graduate school. There was really no excuse for her or any of the other kids at school to make that deal and I graduated in 2014. Everyone there knew what the debt meant
With that loan amount and the income ratio, I already knew one of them was a physical therapist before she even said it.
😂😂
I have my doctorate in physical therapy making $115,000 per year. I have been in the industry since graduating in 2001. I got very lucky as a staff PT making that much money. I would not advise ANYONE to go to PT school now, bc the return on investment sucks with the cost of education for a doctorate in PT. Go to medical school instead. Reimbursement will go down, and more red tape is coming my way.
thanks for the heads up I was just applying to pta school and thinking about going to dpt. I am thinking about DO now
@@superduperjoi6800 PTA school is a complete waste. You might as well be a personal trainer. Go for DO school. My nephew just started. It's hard, but it will be worth it in the end. If I helped save you by making a better decision, then that makes me happy. Good luck. Trust me, don't start therapy school in today's environment. 20-30 years ago it was great.
Former Speech therapist here- I agree! Therapy is a tough career due to current status of healthcare, all the red tape, and benefits are being cut like mad. No guaranteed hours, not getting paid for patient no-shows.....it’s rough. I’m so glad I have a different career now!
superduperjoi another idea is the PA program. It’s a 2 yr Masters degree. I’m also a PT in an acute hospital setting. I ask my students and new staff what they owe, and it’s staggering. Range is between 80k to 300k.
@@bitario723 DO schools are getting flooded. They are jacking up the prices. Your paying at least 400k plus interest. And if you end up as a family doctor, good luck paying back those loans. Medicine is not worth it wjther
I make 95,000 with no degree, this caller makes me feel better!
What do you do?
anonymous anonymous supply chain for an oil and gas company
@@larsrome2863 dont they want degrees? Corporate machine always ask for degrees
Josh I work for one of the biggest, if you have some experience you can get your foot in the door. I started off working for a very small company, I got the experience and started applying and praying relentlessly until I got where I wanted to be.
@@larsrome2863 I work in the Canadian oil field and usually make around 120k. No schooling
Anyone else feel like Dave always grossly exaggerates how much one can make, or always says "oh with that degree you should be making double". Mr. easily makes 12% annually in the stock market is out of touch with reality.
People's incomes generally go up overtime as they get promotions. I'm not making what I was 3 years ago.
@Mr. Wick I invest 100% in VTSAX but David is talking about all his mutual funds "easily" beat the S&P.
12% is not out of reach if you're patient and know what you're doing.
Caller: can I have kids
Dave: have 20 kids they eat what you eat they don't cost anything
Actually, when one borrows money, that individual made that decision, they borrowed with a PROMISE to repay.
I was taught to keep my word. You do what is legally required to keep your word. It is totally the person who borrows they money how Lon they want to drag it around, making all suffer while they try to play the victim.
@@susanteeter6361 , exactly it's like getting a new car and you dont make the payments it's basically stealing... That's why the car gets repoed... borrowing money for any reason and not paying it back, you're robbing the lender. Long story short, dont borrow money if you cant pay it back...
Ella Kingsleigh dont borrow money PERIODT ;)
🤣🤣🤣
Have them work the landdd
It's always the PTs that call in lol.
Does anyone have any insight into why Dave never takes federal income tax, state income tax, and social security taxes into his calculations? Being fleeced by federal and state governments lowers your usable income significantly.
Isn't student loan interest deductible?
@@randomvideosn0where yes, it is
Exactly !
Have no idea and have wondered the same thing. He NEVER does though.
I make 100k and have 100k in debt
Great pay it off in one year
Wow. He is a DPT doing home health and he is only making $70-80k a year? I’m a PT assistant doing home health and making $120k a year. My DPT colleagues are making $150-$200k in home health. I didn’t realize there was such a huge disparity. All the best to the caller.
Where do you live
lemon California.
@@jamesb93612 that explains a lot . California usually pays more, on average, for most professions and let me tell you that there is a reason for it. The cost of living is extremely high in CA. If the caller lives in an area where the cost of living is lower, they are actually making the equivalent you make if not more. It all has to do with the cost of living and take home pay. Which in California for someone in your tax bracket might be about 9-10%. Some states don't have state income taxes or are relatively lower at around 4% and in most states property taxes are less than 1% whereas in California are much more higher. I don't know the exact percentage but I know people that have to pay between 4 and 10k a year. All these thing along with the cost of living in California, believe me it's expensive. I know since I've lived in many places California included. I'd have to make about 130 to 150% more in California than in most places just to have the same lifestyle elsewhere. So the way I see it, it is not a disparity in salary, it's more about the economics and cost of living relative to the area where you live. congratulations on your good salary and good job sir!
Enucleatus Tertium actually, where I am I within a few percent of the cost of living of where the caller is from. So not that much difference. I don’t live anywhere near the larger coastal cities. Cost of living is not really a factor in this instance. That is why I was surprised.
He’s just starting he just starting 3 years ago.
Love that consignment clothes is experienced clothes omg lol
Why? Just why?
Why would anyone put themselves in this much student debt....
Cause Barack Hussein obama told people that without college, you will work at McDonalds
Grad School
@@JK20239 Pretty sure Obama is not the only one who's pro college... it's the whole education system + society
@@ambermcdonald1302 In the end... is it worth it?
@@cherrytung Hillary Clinton
I love grumpy Dave Ramsey 😂
6:10-“experienced clothing.” THAT’S a great term for used clothes. I’m gonna use that one.
Everybody just trying to keep up with the jones 😂
That's right, you tell her, Dave, LOL!!!😂😂😂
I wish callers would have to give all of their debt and income numbers to the screener so Dave doesn’t have to waste time dragging it out of the caller.
I had one person who always said "You have to have fun." Subsequently they are currently broke and cry about how much debt they have. Tune out the noise and keep moving forward. 👍
GAME ON BABY!!! Inspiring is this Dave guy!
Physical therapists and chiropractors have bad ROI
Add in Optometrist, Dentist, Psychologist, and Pharmacist
Depends on where you go to school. USC's PT program is over 180k for three years while programs at Cal states are around 70k
They’re for ppl who couldn’t handle getting a real MD but wanted to pay the cost of one!😂
In the Vault that’s some but Others actually are passionate about it
These people make enough to get out of debt. Hopefully they stay debt free though 🤷♂️
Studies for 4+ years to end up living like someone with a minimum wage job because of all the debt, yeah college sounds like a great idea.
It’s a good idea if you’re going on for a degree that actually matters (i.e. not journalism, not political science, not art, not music) AND if you’re smart with it. If you don’t treat college like a vacation and live low, don’t live at a dorm, don’t take out loans (but realistically, most people need to, so if you keep them as minimum as possible) and pay them all off the second you get a job with your degree
@@ian-hm6cx There is nothing they teach at college that you could not find anywhere else, most professors are just academics and have no real world experience. Maybe in things like Law or Health care is different but anything else is a waste of time
@@MR3DDev most places require a degree to get employment.
"The children are running because they think they are gonna sold"😅😅
I always get annoyed when Dave cuts people off when they speak.
Anywho, that amount of debt would give me so much anxiety
I think sometimes it is warranted, but he does tend to talk over people a lot.
I get annoyed when people yammer instead of just listening
I think it’s necessary. He’s already laid out how to repay the debt in his books, FPU, etc. There’s literally nothing new under the sun as far as he’s concerned so no reason to allow people to keep talking when the answer doesn’t change.
He wasn’t 20 in 1920. Loans exists when he was in college.
As Below, So Above so he can fit in more calls
Yeah, well if they make $130k their take home is probably around $70k or $80k a year. Dave, you have to take into consideration FICA and Income tax.
Thermal Reboot tax rate isn’t 40% at 130k.... 30% at the very most. You’re also not taking into account tax deductions as well.
@@chiefzackery6651 I'm in that tax bracket I know exactly what it is.
"They have a big hole".......in their skull lol.
This is one of those situations where this couple needs to actually just take 5-8 years to pay it all back, take some vacations, eat at some restaurants vs. the 3 years on rice and beans. Dave's advice all around is usually sound, but you can't crush your livelihood and mental health. That's where I always disagree with Dave. If he's telling you to live on rice and beans for 3 years, the right answer is always to live on rice and beans with some restaurants sprinkled in for 5 years.
I'm of the view that it depends a bit on the interest rates. Generally I'd go hardcore for 12-18 months then pull back the repayments a bit. In their case it will just take too long and they are probably better served focusing on career development.
It’s time to sell the car (which the payment is insanity) and start delivering pizzas. You’ll be on the rice and beans beans and rice diet. The next time you see the inside of a restaurant is one you’ll be waiting tables at. You’re going to be selling so much stuff the kids will think they’re next. Did I miss any other Ramseyisms?
Lol. No. Spot on. 😁
Theo Bolton That’s right. 8 hour day plus 17 hours driving for Uber or delivering pizzas.
Put the dog on Ebay
Who’s the doctor or lawyer 😩😂
16 jobs
taxes Dave, taxes. 130 is just under 100 after taxes... live on 30, not 60. Put 65 to 70 towards loans... about 3.5 years (interest) should do it.... refinance asap - probably get it down to 4.5%.
OMG that was depressing.
I recently started picking up shifts in a restaurant to help pay off my student loans. The waiters there are making $35/hour with no degree and no debt. Everyday I question why I went to college
Lol another "doctor" for $150k in debt.
Time to go on the BeansNRice RiceNBeans diet!
7% interest on student loans. Yikes!
Jim Smith that’s low tbh
That is ridiculously high, in Sweden the standard interest rate on student loans in 0,16%
@@bjartex5 In norway it's 2,4%
Mine was at 8% & almost killed me.
4.2% over here
Once you enter in income based repayment and you file taxes together you have combined the loans. If you do not combine the loans you will need to file married separate and forgo any tax benefits.
8yrs is nothing compared to being
Bankrupt or homeless in 8yrs.
Is anyone debt free anymore good Lord!!!!
Debt free here too!
CLIFF TALKS MONEY nope😂
Sure am and have been my whole life! What's a credit card??
@@lovelygrl400 nice glad to hear it!!!
Yes.
They do have very good income together. That is a plus.
Dave. You don’t factor in income taxes when you say that they will live on 60k and then put 70k straight towards debt....
Stressful
why is the thumbnail picture for this video a paperclip lol
Andrey V I think it’s a chain.
Looks like a chain. Because this debt is like a ball and chain.
If seems like all these people with great degrees have absolutely no knowledge or understanding of basic maths. Anytime Dave asks questions regarding the length/time of predicted debt payoff, they just stay silent and Dave has to answer himself. It’s like these people have NO clue. Absolutely embarrassing! 😂😩
I'm in this exact situation except on my own (being single). Doctor of Physical Therapy, no way of making more than $80k-$90k working for someone else.
Rice and beans should be the standard diet during the beginning of everyone’s career instead of being used as a fix to stupid debt. I became a self employed farmer at the age of nineteen and also worked in an outside career. Not only did I not have time to cook rice and beans, but I didn’t even have time to eat. But I stashed every penny that I could which was most of them! This may have had something to do with graduating high school during the dark days of recession during the 70’s and the need to feel more secure, but it also had everything to do with my current status of debt free living. Raise and beans and home grown tomato sandwiches is the best RX for your sick bank account!
Dave was in a good mood lol
Almost four years since this call. Wonder if they got out from under everything.
Her degree is certainly not in math, lol!
Economics degree is practically a math degree due to the fact that you have to take Calculus 1 & 2 (at least at my college).
This is still less than the average debt for graduating MD and DO students.
He should be making WAY more than that as a home health PT. I work in the therapy world...I don’t know any home health PTs that earn less than 90k doing home health full time even if they only have 3 yrs experience
PT is only made 70-80 k , so cheap, my friend grad as a dr PT and she makes over 120 k with Kaiser ...
Economics degree? She can't do basic math!😨
My job would pay for majority of grad school costs but idk what I want to do with an MBA, so I'm holding off for now
MBA is a great degree to have. It satisfies a lot of preferred qualifications
@@anthonybrown06 I took that into consideration. I'm also thinking about getting my CPA too, I only have a bachelor's in accounting
200k+ school loans dang yo
If you’re disabled how would you go about getting student loans forgiven? Asking for a friend
60k isn't really bad depending on the market
Tarp for taxpayers not $1.2 trillion to citibank & other investment & insurance co.
And I stress over my $23,000 student loan debt.
Yeah i stress over my 19k debt
You guys can DM vi_per001 on instagram that dude Cleared all my debts
I know. Me too. I still have 19967
Since i'm unemployed until october, it goes up
1.74 every day
These kind of videos make me happy I joined the military
Serious question: what constitutes beans and rice to Americans, to the point that your family thinks you’re crazy?? I come from an immigrant family, and only recently we’ve gotten up to the $50,000 range of income. Granted, we live in a cheaper area (but Colorado isnt that expensive). My parents have a mortgage, and we live fairly comfortably, I would def not call it rice and beans. How in the heck is living on 60k really frugal, even if the cost of living was a bit higher? To me, 30k would be beans and rice, not 60.
Dave forgot to account for taxes again.
$207,000 in school loans? Dang, did they go to a prestigious or private school or something. My word.
Rice and beans lady!
Work in a bigger city... you can still live outside the city, but you can make a ton more money
Fear Debt
I just don't get why so many people love Dave. Most first graders could give that common sense advice.
Is it possible to earn money without a degree?
Yea
Is it possible to earn money without student debt?
Yea
*Yet more and more college grads get themselves in student debt*
Why?
Because sometimes it’s worth it.
@@richardleston5237 Sometimes... but not for those who call in
Government keeps giving the students money. Without the proper education on finances.
Cherry Tung - Finance & Fashion That’s called selection bias. Those who benefit financially from their degree are not calling Dave for financial help.
Johnny Five “Because SOMETIMES it’s worth it”.
Sometimes, not every time.
I LOVE THIS GUY!! LOL. TELLS IT LIKE IT IS, NO HOLDS BACK! GOTTA LOVE IT.
Hi Dave, I am currently trying to get a loan for new-construction-to-permanent loan and was wondering if it is reasonable for me to ask the lender for list of fees that I will incur to obtain the loan for the construction (closing cost.) Our credit scores are pretty decent and we have enough equity that we are confident that we will have no trouble getting a loan.
Nautical Star you should talk to mark 408///560///2297 he helped me payoff my debt of $95,820 for free and I earn thousands weekly via my cc through him ...Am certain he will help you too
My girl and I plan to have around this much of total student loan when we get married. I’m wondering should be start paying these down as one? Or wait till after the wedding in a year? 🤔
Pay them down now. Go to the courthouse when it comes wedding time. My wife and I have about $140K combined. THE worse feeling ever. We're chipping away but I wish we knew about FPU when we were married back in 2012
Begin paying them down individually, not as one. You're not one (married) yet.
@Justice had it right. I wasn't clear in my response but pay individually since you two aren't married yet but begin paying on them with gazelle intensity today.
Justice Kyei yeah I agree we’ve been paying individually. But here’s is substantially more than mine. I wonder if starting the snowball together would be faster. 😐
Charles Simpson Sr. I feel ya on this one. We’ve been on it. I just did the numbers and I feel we’d get ahead of this a lot sooner. Idk it’s tempting to start together but I understand what you guys are saying. Appreciate the help. 🙏🏽
How can I become a caller? I need help from Dave as well...
These callers smh
I’m 21years old. I have no debt and I only make $22k a year and living with my parents. I have $1,500 in ER fund and $5k In savings. I just bought my fist car in cash. So I was thinking if it a good idea to just quit my job and find a better job in another state?
Electro Dvil I can make that happen, I’m going to get 2 jobs and work 65 hours a week for 3 months.
Don't go to college unless someone else is paying for it. It is not worth it
I’m almost done with premed. But I can’t imagine how to pay for medical school without getting loans. Any recommendations???
Don't
You'll be fine if you choose a good specially. Urology, gastroenterology, Ortho, cardiology, JUST DON'T DO PRIMARY CARE UNLESS YOU HAVE MULTIPLE DOCS WORKING UNDER YOU
I mean ur gonna make a lot money, just live very cheap and save a lot of money and maybe a second job if possible or side hustle
I was thinking of a radiologist. All my doctors that I work with are saying it’s on average $250,000-$300,000. The good news is i know the military has a program where they will pay off your debt. But you have to do 10 years of service. Idk if it would be worth it
@@n.b.a1529 Work two jobs while in med school? Are you serious? Most medical students can't even have one job and leave enough time to study.