Best advice on RU-vid to pay down loans. I graduated with $260,000 in 2018, put it off because it was such a daunting amount, 2020 came and I just decided to buckle down and pay them off. I’m a pharmacist too…I got a second job and now 2023 I have $120,000 left. I see the light at the end of the tunnel!
Awesome job. I wish other Students have the same mentality of paying off debt and be done with it. I graduated with 225k from pharmacy school. I’m 4 years out with a balance of 68k. I should be done in less than 2 years.
Dream Chaser57. Hey, I’m currently less aggressive now because of the Covid pandemic. I’ve been saving money and just making the minimum payments for now. Balance is ~57k. I’ve more than that in savings and can payoff if needed. So what’s your story? Do you’ve student loans as well?
Congratulations & thanks so much for sharing. I am working through my debt free journey now, and need all the tips and encouragement I can get. I too have the “debt voice” in my head daily and I have to find a way to free myself of this burden. Much success to you and many blessings to you.
Now is the best time to pay down debt. No going out, no restaurants, no outside paid entertainment, no trips even if you wanted to. Cut down on Amazon and other online shopping that is unnecessary. Goal for 2021 is to make headway into my morgage. Morgage is considered 'good debt' but I would rather have an increase equity.
You are an angel, thank you for sharing your experience. At the beginning I thought … “here another millennium making a lot of money “ but you prove me wrong. Very practical and spiritual. ❤
It's your career. It's worth it to have the loan. Most people won't make the salary. The problem is the interest. Did you live at home or living rent free
I graduated with only a bachelors degree and have 6 figures in debt. I dont think i'll ever pay it off without getting my masters and going more into debt
@@andthatsonperiod4863 She may be an international student, please don't judge. International and out of state students pay a ridiculous amount of money for their tuition.
Congratulations 🎊🍾🎉 my Sista! The sacrifices and struggle was worth it! Many people at the end of a year no matter how much or how little they make can’t account for much of it after rent and bills are paid. It does take people making less a lot longer but the key is starting, there are people it’s taken ten years to pay their debt but they kept at it! Congratulations once more you deserve every success because you worked really long and hard to for it!
Ok so work a second shift - have no life for a year - give up every UN-necessary item in your life and work 18 hrs a day if need be.....good job on paying that off....now what to do if you have no job and 70,000 in student loan debt....? Get a job this I know but I never got to graduate so can't go into that field at all....guess I am stuck with the 7.25 min wage - this will take me longer then a year to pay off .... again congratz on your determination you are awesome!
Work on shifting your mindset. Others have been in your shoes (or worse) and have accomplished this. One day at a time. Amazon is always hiring also and they start at like $16 or something. They work with people with disabilities and such.
I would love to hear about your journey and story as a Peds Pharmacist. I'm a 3.2 in pharmacy school (I post videos about it) and I've been looking at residencies and such!
I have a question to ask. Before I graduated back in Fall 2016, Yah told me not to worry about my student loans and how he have a job lined up for me. I assumed it was my dream job as an animator in Japan. It's 2021 and I work part-time as a costume character performer at a theme park during the summer and fall seasons. I've been working there since 2019. I tried to find a job in my field, but nobody would hire me and I don't have 10+ years of experience. I even applied at fast food, retail jobs and school/day care jobs but I can never pass the interview. I was lucky to get hired at my current job that I will be starting in a fee weeks. All I had to do was draw my answers and have fun and I got hired just like that. My goal is to be an animator/artist working at my dream studio in Japan. The only way for me to get there is to teach English at a company that will sponsor my visa. So I applied for the JET Program which is extremely competitive. Out of 5,000 applicants for the USA, I was one of the 2,000 applicants who made it to the interview in 2019 and 2020 but I didn't pass. In 2021, I didn't even pass the application stage which make no sense to me. So I applied at another teaching job that makes less money. I have no idea on how I will survive and pay for my 3 student loan debts but I'm gonna take that chance. Out of the 3 loans, I'm only paying for one ($125) that went into collections. I also have money put aside for the move in cost but still need to put money aside to buy a plane ticket to Japan and get another macbook pro to replace my old one because I need a macbook to do the art and film related stuff. I was thinking about my student debt and if it was possible to pay off my student debt before leaving to Japan Spring 2022. It's gard to get hired at a job because I have autism and a learning disability in sequential processing disorder. I also have general anxiety disorder and deal with panic attacks every once in awhile. I also chronic migraines and psycosomatic disorder which is a severe type of anxiety. My brain takes all my stress, worries and emotions and coverts it to physical pain. I'm constantly in and out of the hospital all the time. So my question is, If Yah told me not to worry about a job and my student debt, should I try to figure out on how to pay for it or leave it alone.
Your story is amazing. I will do my best to increase my income and pick up more shifts at my job. Very inspirational 😁 Prayer changes things. Jesus has designed a strategic plan for our financial freedom 💯
This is a great motivation. I would like to know if it’s a good idea to get a student loan as an international student? I’m coming from Nigeria where things are really difficult right now
That's the major discrepancy that i hear in nearly every video. All degrees are not created equal yet the cost of acquiring said degree could cost just as much as any other.
At first I was like she’s saying “I” a lot so she may not believe in God. But then you finally started speaking my language and then I was all in! I’m here for all of this but I have to pray and make sure I’m not getting an extra job without it being what Gods wants. I know for a fact he has given me the resources and know how to do it and even though I’m married my husband needs my guidance in this area because I know it’s possible!
Wow our stories are almost identical!! Crazy!! We’re lost twins 🤣 Except I’m not an international student and I have twice the debt. But otherwise very similar story!!!
You're so great Doctor! You've evidently done well, from being an international student to where you are today. What advice do you have for an international student who has their bachelor's degree and are looking to acquire a pharmD in the US with no family sponsors and considering taking international student loans as well. Should I go ahead?
Try to go as debt free as possible, every dollar counts! Unfortunately I learned the hard way, it's not worth going into so much debt, it delays a lot. Pharmacy retail is high stress, consider all options
Hello Beauty Locs! Sorry, I just couldn’t help myself. I’m curious if the spreadsheet formulas you used would apply to credit card debt. My goal is to pay it off within the next two years. It would help if I could see if this is realistic based on my balances and interest rates of each card. And, what amount I would need to commit to each month to make this happen within the 24 month period. Would you mind sharing your formula if it would work? Many thanks.
she failing tell us the average pediatric pharmacist makes 110,000 a year a listen to here at 7:12 to 8:01 about the double times she probably made 200,000 that year . Its easy when you make 200k a year
Yes I doubled my salary; I mentioned I was a pharmacist so it's not a secret if people google how much someone makes (pre-taxes) in their profession. I disagree about it being "easy" because I worked almost every single day that year in order to double my salary. And also had to be very strict in spending because double salary increased my taxes exponentially, especially here in California.
@@TheSimpleFarmacist That's not what I meant I meant it was easy as in easier with the larger income but yes your right it was hard working every day I understand that part
@@TheSimpleFarmacist just speaking my mind here internet gangster lol . When have you 6 six figures salary it makes easy pay off $130,000 debt in year.
@@rickzepeda4403 Yes it does. Also having no children or pets helped limit my spending. That's why I told people to always go at their own pace and do what makes sense for the budget cuz I can't compare myself to someone with a different set of income and circumstances.
