$260,000 Student Loan And Still Not Done! 

She can't even verbally explain the benefit of doing that...

A PhD in Nursing?! At this point Universities are trolling.

Proof that you can have a lot of degrees and not a bit of common sense.

She’s saying a whole lot of nothing!

"We" have 300k in debt, but 260k is hers???

She's not going to fix this. You can hear it in her voice. She's not at the point to turn her life around.

My wife just finished getting her NP degree and we spent $32k on it! She also worked full time. She is making $120k already.

I feel bad for the fiancee, he is getting a free kid and $260000 in debt

Lady, just stop. Why did you call if you didn’t want his advice??

Being a nurse myself I can say some nurses are in hunger for that doctor title . Just a sense of gratification . And educational institutes knowing this just grab the opportunity.

I'm sorry but the bigger the number the faster I click

"My fiance and me have 300k in loans" became "she has 260k in loans" , run run run dude!!!! Ur 40k is nothing, run!!!!

So shes a professional student.

Single mom in 300k debt and still running it up? Bruh...dude...run!

Fiance RUN AWAY FAST!!!!! She will always be stressed over debt and money!!!! 300,000 plus interest is a lot to handle

Sadly, it sounded like she didn't even really know what difference the doctorate would make. Her knowledge of it sounded very second hand.

Her doctorate in nursing degree isn't costing her $300,000. I'm certain that includes her undergraduate loans and the fact that she has been living off her graduate student loan money because she isn't working full time. How do I know? Because I did the same when I went to graduate school for physical therapy. My tuition for those 3 years was $55-60K but since it was a full time program I didn't/couldn't work full time and I lived off an additional $55K of my student loans for 3 years! I learned about Dave Ramsey soon after I graduated. Now I have $39,000 of my graduate student loans left to pay off!

Dr nurse can I speak to the Doctor please

“We” don’t have debt until “we” are married 🤣 DR is too much!

"I put myself through ... " No. You didn't. You borrowed money - a quarter farking million - and that put you through.

THAT IS CRAZY!!! I’m a license RN with a Bachelor’s degree in Nursing. Graduated at the age of 23 with no debt then got a job as a RN 1 month after graduation. I now have 3 years of experience and make 100k+ OT and PT work. I work in a high stress environment though and put in the dedication to work. I am now slowly building my net worth and estimate to be a millionaire in about 6-7 years.

This is the exact reason I dropped out of the fancy private university, paid off my debt by delivering pizza and have been debt free... The anxiety and depression that comes with debt is not worth it.

One word to the fiancé: RUN!!!

Dave:. Drop out of school, ignore your kids, and work 100 hours a week.

Also with the wedding thing... Ladies.... You don't need to have a lavish wedding. Let's go thousands in debt for a party that lasts a few hours!

"I've started down this stupid path, so I can't stop until I finish it." Classic example of the "Sunk Cost Fallacy".

She's a mess. It seems like she was looking for Dave to cosign her decision to finish and get into more debt. Hopefully she listened to Dave's advice.

Yeah I woulda been ghost after hearing 260 k in debt.

she is so confused. gets hundreds mixed up with thousands, bachelor's wih doctorates's, wow.

My mom has the same failed logic. She got a doctorate in Nursing because she assumed that getting a doctorate would advance her paycheck. After getting the doctorate (3 years after getting the Masters for NP) , her career didn’t change at all. If anything, it made it worse. By law, they have to pay a person based on their degree. It’s causing her job to continue to choose cheaper RN/Masters NP over her when scheduling work so she has massive problem getting hours. The debt from the doctorate is advancing more than her pay. Would have been way better off just working as an NP and actually used the Masters to be an NP. This lady, if she must get a doctorate, consider teaching.

Most of the debt is hers! She made it sound like it was his initially😐. And Is she Crying and laughing at the same time?? A doctorate in nursing and NOT a nurse practitioner🤦🏻‍♀️. There are some more issues going on here.🙃

Even Dave sounded sad and disheartened at the end of the call.

Dang she has the huge debt and not him. Man her fiancee needs to reconsider.

Everyone wants to be a doctor without having to go through medical school.

This was so cringe inducing to listen to. And for that reason, I'm out!

Alicia from Buffalo wants to earn more money and work less hours.

From what I'm hearing, this woman does not want to be a nurse anymore. She is hoping to land an administrative role.

Single mom, 260k debt. I hope that dude put his Nike's on and left Usain Bolt in the dust like yesterday. He should be still running right now

He should not marry her

Not to be negative, but insane!

This woman doesn't want help, she wants Dave's blessing for her to continue going deeper in debt.

"Run bruh... run bruh... don't marry that bruh... run. Meow, meow is cheap to free elsewhere." She's getting Doctorate in Nursing lol. She's not making any logical decisions. She's trying to argue with Dave about the nursing field, like he's not had a million calls from nurses... smh. 260k for RN lol. My ex girlfriend, made 83k after OT at 25 years old in DFW, TX. She paid maybe 12k total for her education, and paid it off her first 3 months in. This lady is crazy bruh... she's addicted to going to school smh. Under the fallacy of trying to "stunt" her degrees in front of friends and family.

Prime example of Colleges being a business and looking for money rather than educating. You also know she didn't listen.

I'm blessed to be studying welding and paying next to nothing for my education. I hope people start to look to the trades more and not think a high college degree is their only hope

If you wanted to go this far into debt and spend 8 years in school might as well have gone to med school. Would have way higher earning potential and alot more respect in the medical community

I'm willing to bet that her fiance doesn't know the extent of her debt.

IS THERE A DOCTOR ON THIS PLANE!? "Yes, but no. I'm a doctor nurse. A nurse doctor" **confused faces as passenger dies**

RUN Forrest RUN

Dave doesn’t have anything for her cause he knows she’s gonna continue til she’s done and be 1/2 a million in debt, will never pay it off

"I was a single mom trying to make my way through..." No...you lived like a freaking QUEEN with $260,000 loaned to you by the tax payer.

Nurse here✋🏽, they are not getting rid of msn np programs. The doctoral thing is not happening this decade, and others will be grandfathered in and be able to practice as a NP. Nurses always think it’s the end of the world if they don’t get the highest degree .

She spent 260K to be an RN, Run dude run!

she just wants to tell people she's a "doctor"

This so stupid! I am a nursing student too, but I just started my BSN program and eventually would like to get my DNP but all of it does not cost 300,000k dollars!!! And why can't she work while in school? People do it!

3:47 that cry of despair lol. Dave smacked her with some truth in this one

The only reason to get a doctoral in nursing is to be a college professor - outside of that, you can make just as much money with a Master’s, with 1/4 of the debt, if that. She said it gives her ‘more options,’ without elaborating what she actually wants to do. And it doesn’t matter if some programs are switching to the doctoral level, you’re already grandfathered in at that point so who cares?!

A doctoral in nursing is a nurse practitioner. It’s an 8 year program but most people do it AFTER they’ve been nurses for many years and it’s NOT for the money because the difference between an RN and an NP financially, is not worth the debt she’s taking on. The ONLY time you should go into that much student loan debt is for an MD/DO.

PUSH THE BUTTON DAVE!!!! SHE NEEDS TO STOP TALKING!!!

She's not going to listen to him.

As a NP Dave is absolutely right. She will see no extra pay unless she works in a government position and supervises. I also have not seen where schools have stopped offering the Masters or post master's option. She CHOOSE to do the DNP program. 260k is ridiculous.

I may only have a two-year degree but I don’t have any debt. It amuses me that over ten years ago people thought a BA would open more doors for me. Now lots of people are realizing it wasn’t worth it 🤦🏼‍♂️

All just so she can be called Dr. Nurse?

The woman is going to a for profit college. I bet you!! I'm calling it!

She talks in circles. Lots of "ums," and "well's" without getting to the point. I think the good idea fairy has struck her a few times. I definitely wouldn't want this woman as my nurse.

"I'm $280 in debt. I mean $280,000" :oO just imagine this Dr.Nurse measuring out a shot to give you..."oops, he dead".

Very sad to hear her sobbing through the call. It really is a mess

It’s very interesting how Dave has clear meaning through all the noise and rambling of many callers (not just this one). The simple questions are the most important ones to answer, it seems.

I love how she keeps confusing thousands versus hundreds of dollars. And then to make it worse, she couldn’t even explain her career choice.

I was really hoping she was gonna say she was gonna be a nursing instructor. From what I've heard from people in that education/career track, that's a great choice and would have been not only practical but given her the two things she said she wanted: less hours a week, and more pay. And the thing she didn't mention but seems to want, which is more respect. Being a career student mostly just brings on debt and a lack of direction.

Don't get a PHD in nursing. You're better off becoming an actual MD.

“We have”. No. You have. 🤣🤣🤣

Stop it. When I went to school to be a NP, I worked a full-time job throughout the 3 years I was in school. Plus, I am being offered a full scholarship to go on for my DNP. However, the DNP program is an additional 2 years, when I can go to a CRNA program for 2 1/2 more years and make more money. So guess what? That is what I'm going to do.

She needs more professional help than Dave can give her.

I'm glad I dropped out of grad school when I got an engineering job in the oilfield. I was on track to be a professional student with a 6 figure student loan debt.

Blame Colleges all you want but at some point and time people have to stop being so addictive to stupidity. I'm sure this lady would buy a Timeshare

I’m an Anesthesiologist, I’ve got 250K school loans, but I make 500K as a real doctor. These DNps are being scammed hard for a title. My wife is a RN it cost her 35K in loans, she makes 85K a year. This makes sense. 250K to make 100K makes 0 sense. Nursing community has lost control of the vision.

I got anxiety listening to this.

So glad I paid off all of my student loan debt. The focus should be on getting the debt paid off at some point and not continued schooling adding to the debt.

Im 23 with no degree and only make 10k less a year than her with no debt. College can be good if you have a plan and go for the right degree but for most people it just seems like a waste.

A few things; one, school is far too expensive. Nobody should have to get into crippling debt in order to get the education they want. Something has to be done about this. Second, I agree with Dave that the Doctorate degree is useless for NP's & PA's (I'm a PA). I think it's just for the schools, so they can make more money. As far as I've seen with current jobs, there is no requirement of a Doctorate degree, and the pay is going to be the same as it is for someone with a Masters. Also, why wouldn't you just get an M.D. if you're going to get a Doctorate? As you can tell from this call, when she was questioned why she's going for a Doctorate, she didn't have a good answer... because there isn't one! We'd be better off to have more residency programs for PA's & NP's with a Masters degree.

So he is marrying into $260k in debt with kid(s)? Yikes.

I work in health care. I don't pay anything for education. Some of our staff got their PhD's with the $5 per credit benefit. I had $10,000 in student loans when I started working there. If I had to do over again, I would have gotten my job after my Associate Degree and let them pick up the rest of my degrees. Most major hospitals will pay for your to continue your education. No reason to accrue that much debt when you work in health care.

I'm gonna put "If you have over $30k in student loan debt, swipe left" on my Tinder bio..

We? not lady is not we. Your student debt is 260k and his student's debt is 40K

Never go in debt for college future students, it is the 2nd biggest financial mistake you will ever make. The 1st biggest financial mistake is who you "choose" to marry. Choose wisely!

Some people enjoy being in school just to be in school--they like the structure and feedback and hustle-bustle of campus life

sounds like she enjoys school.

I am studying for my AA in nursing 😭😭 300k in debt for a nursing degree seems insane !

She’s not gonna listen. Professional student.

My friend paid 90k to become an NP AT FLIPPIN' NYU. How earth did she get this high of a number?

She needs to go to school part time and work full time and pay cash for this degree. Lots of hospitals offer tuition reimbursement and she could get some of this school paid for. Dave is right, absolutely absurd to get into this much debt as a doctoral NP.

My daughter makes 100k plus as an RN straight away after getting her bachelors. How could her debt be so high when she said she was working as an RN before

That poor guy needs to RUN FAST!!!

As an RN of 30 years, I'd would NOT want her involved in my care. She's BSing Dave AND herself. The difference is Dave knows it when he hears it.

Be honest and just say you want the title of Doctor.

She could have become an actual doctor 🤦

Darn she proves education is not common sense....Dave please send her a copy of this tape so she can listen in her car...smh

I have $10,000 on my student loan and it bother me everyday and hearing these ppl talking makes me feel better

i wouldn't want her as my nurse

There’s no difference between a nurse practitioner and a nurse practitioner with a phd. She’s paying thousands of dollars just so she can call herself a doctor LOL.