I have $265,000 In Student Loans and Growing 

JUST LEAVE HER! NOT WORKING, OWE $265K, AND her interest is growing at $1500 a month!!!!

Its cheaper to leave her...

So many kids in school and do not know the after math with loans.

Dave said "Good" instead of "better than I deserve." First time I've heard that

why do i have a feeling that not every dollar went to tuition and books. maybe she lived like no one else thinking she would be making 6 fogures right after college.

It never ceases to amaze me that so many people just casually take out hundreds of thousands of dollars in loans. And like her attitude, should I just wait and plan for the taxpayers to pay it?

my brother in law is a chiropractor and he makes no where near $150k. He graduated with $150k in debt however.

People go brain dead while they are in college. Debt is debt!

No way she got 3 jobs. She didn't want to go look for 1 job.

I don't know how some people sleep at night... I thank my mother, and now my husband, who refuse to borrow for anything besides a house. It was instilled in me from very young that you only spend what you can earn. And that includes schooling, cars, holidays. All paid for with cash.

Tom Leykis is right. After they get married, that debt now becomes his. Get out while you can!

She blames everyone else. Anytime anyone is borrowing 200K they need to do a little more investigation into reality.

Indentured servitude is real, it's incredible. I'm amazed by how many people are willing to throw a decade away for nothing.

I feel like you get a lot of chiropractic majors with 200k+ debt and you're surprised every time.

"An associates job only pays 40k" I mean, especially in her situation, 40k is better than zero

Any wonder why Dave Ramsey says NOT to take out student loans? This girl is one of the main reasons not to borrow for school. Many either don't finish school or they do finish their degree but can't find a job that can pay off the loan. I hope she gets this mess cleaned up as soon as possible.

Wow, she played herself

"Your not making any money. You've never made any money." "Did you not think about this when 200k in debt was going on?" I love Mr. Ramsey but I cant breathe😂😩🔥

I know a couple who are Chiropractors and their student loan debt is $500K so that sounds about right. I have $80K in debt and feel like I'm drowning. We have been in the snowball for years.

If I had that much debt I would probably collapse and die from the stress and the toll it would take on my body. Absolutely absurd I thought Dave was going to be a little harsher than he was. Time for beans and rice!

I only owe 26k in student loans but my payment is like 290 a month. Im gonna nuke it when I finally get a job as an actuary. I am currently studying for my professional exams.

I am working full time and saving to pay for school. I told my husband I REFUSE to take out any loans. Also, working while in school......whatever it takes!

Chiropractor school seems like a scam like law school. I've read several stories of people becoming Chiropractors and failing when they opened a practice. In one case the person opened a practice and only made $12,000 for the year.

She is in a business most people never need for their whole life.

I would go on a fishing trip and never come back, c me in bangkok.

Have you considered leaving the country???

And it seems like her entire life is a joke.

It's been 7 years and she still probably waiting on that student loan forgiveness...

Her fiancé sounds like a lucky man.

Pretty ironic the ad leading into this video is for the new Lexus.

Dave is in MAJOR shock!

I can't believe I live in a country where this is even possible.

As a tax payer, I’d like to see an option where these kids, who are smart but borrowed dumb, have the opinion to enlist in the military for a six year contract and get the loan paid off via the defense budget.

Dude better get a prenup!

I took a "College Success" course in college about five years ago. The professor, who was also one of the top counselors in the school, very openly and plainly told students to take student loans and not pay it back. I kid you not, true story. She would teach us the little tricks on how to maneuver around having to pay the loan back. Basically how to be irresponsible and simply take and take and not give back. Sickening.

For that amount of debt, she should have gone to school to become a REAL medical doctor, not to study pseudoscience.

4:40 I think Dave forgot his math. "If you have a household income of $100k and thro $50-60k, it goes away in 3-4 years". Don't think so. You will only have $70k after taxes, and even then 4 x 60k = 240k < 265k. And that is assuming absolutely no living expenses. It doesn't really matter. She is going to be paying for 10years.

Her loan grew 65 grand in 3 years just from interest, oh my god. I wonder what her loan looks like now.

I watch these when I feel bad that I didn’t go to college.

She thinks it will be forgiven...welcome to adulthood sweetie.

Wow. This is a chiropractor I never want to see for treatment. What a tremendous lack of common sense! Duh, make more money and pay down your obligation!

what is wrong with paying the minimum for ten years and then have it forgive for the difference. by doing this I will have the money to go for a vacation or shopping!!!

as a chiropractor these numbers are a little off. yes it costs that much to obtain a doctorate level degree. there are associate jobs that pay a six figure income, bc im making that now as an associate. the problem is you have to be a little better than "Average" at your trade to do that as an associate. as for chiros that own their own practice rarely make north of 150k per year is incorrect. i know chiros making less than 100k running their own practice but most i know make north of 200k per year. with some rare situations of north of 7 figures.. point is there are people who accumulate that much debt for this degree and it ruins their life, and there are those who knock that out in 2-3 years and never look back. do what you love but think of the end game in anything that your do!

income based repayment is 25 years not 10. $3000/month is $360,000 in 10 years.

why is she laughing???

As a natural health practitioner, you have to hustle and learn how to run a business. Most people fail. Chiros are a dime a dozen and the schools don't train people on business management. That is why the government threatens to pull student loan status for schools where the students do not do well after graduation.

they have a place in Orlando that has a couple thousand jobs..I forget the name of it .

Wow. You can buy a pretty nice house for that kind of money.

She should buy 10 lottery tickets everyday.

265K in Student Loans...OMG 😲

Man just hearing about these giant school loans is scary. That’s a big beautiful house where I come from in Wisconsin.... like a nice one. Crazy

Wow with that amount, she still joke around like nothing happen to her. And good luck to whomever going to married her.

I couldn't marry someone with that much student loan debt until they payed it down. I'm not saying I would break up with him, but we definitely wouldn't be combining our finances. That's just student loan debt, how much other debt does she have?

She’s not that bright 🤦🏾‍♂️ 🤦🏾‍♂️

10 years sounds like a duel in this case.

Chiropractors that make 275k/yr must be the ones that are in cahoots with the attorneys to ambulance chase and swindle the insurance companies, not to mention the 'accident victims' as they usually get like 1/3 the money or less the insurance pays out. I knew a chiropractor that did that. My friend said she was fine, but the attorney and the chiropractor went to town and bilked the insurance company. Of course they pocketed most of the money, not my friend.

I have a graduate degree and I pay around 15k for my graduate degree and 2k for my undergraduate degree.

For people saying student loans are a scam, I beg to differ. My parents could not afford to send me to college. I got a partial scholarship and worked in college. I needed a loan to get the degree for the career I have. I could not have done in without the loan. After getting my Masters, I owed 44K. The first few years I payed the minimum payments, but as my salary went up I started paying off the principal. During that time, I was able to save, put money away for retirement, buy two cars, and enjoy life. I am not saying loans are good or perfectly safe, but for some people, its very hard to accomplish your goals without them.

That is a house! And she is looking for a job?? Wow.

And some Chiropractors get a bad rep and even considered quack doctors... I am not saying they are all bad, but that is what people tell me. I think for that money, she should have choose another doctor niche.

"did you not think of this when there was $200,000 of debt going on?" Technically, he could ask this to about ANYbody who calls him. 😉

The difference between oweing tax and student loan. Tax is a fine for working. Student loans is a request a promise for cash from taxpayers that work hard to pay it back eventually. Which would you go to prison for? Taxes! I know people that got student loans to purchase cars and houses then filed bankruptcy. Our government is surely corrupt.

where did she get the money to run the business for 3 years? surprised Dave didn't ask her about the 'other' debts.

This call speaks volumes about the younger generation. Jobs are hard to come by but I worked two jobs

These students loans are equal to mortgage loans

So $3,000 per month for 10 years - 120 months - is....$360,000. Why does Dave say "paid in $100,000" at time-stamp 04:16?

It’s been 4 years. Would be interesting to hear if she made any progress.

My physical therapy masters will cost a total of $20,000 here in Canada. I don’t understand these crazy American costs.

I pay mine $50 for an adjustment and she needs to do 5000 adjustments not factoring in other things.

I am incredulous how this is a laughing matter.

"I didn't know the reality of it"....LOL,,,,,smart enough to go to university,,,,,dumb enough to neglect the interest on debt.... Is that a smart person?

Jennifer, how are you doing?

She thought chiropractors make 250k a year? Clearly should have done some research before making the biggest decision in her life.

it amazes me how many people in this country are so utterly broke it's unbreathable. I had 50k in debt out of college and couldn't breathe.

WOOOOOW. My loan is 1/8 of hers and I thought I had it bad! This poor girl was just fleeced ...

Well now it's only three years since this was seven years ago so time flies.

Income based loan forgiveness is 20 years not 10 years.

Income based repayment usually lasts for 20 years, not 10 years.

Only go to college when someone else is paying, like the company that you work for.

Should be 400k school loan by now

They could be paying 3000 a month for 10 years and it would be gone? Did I get that correctly?

Guys & girls remember to sign prenups! If she ever leaves him he would be stuck with some of her student loans!

Her school lied to her. Schools like that need to get sued big time.

$265 in student loan debt, finance makes $60k, and she is ok with not working and depending on him financially. Why go into $265 debt and get your Chiropractor degree if you do not want to use degree to work?

Praying he never married her. What a nightmare.

Wow... Just wow

GI Bill is in debt to me, they need to call ramsey about their situation

Isn't the 10 year forgiveness only for public service employees? She wouldn't even qualify.

I'd probably tell her to just get any job, pay the min until the wedding, then live off her husband's salary and use her whole net income to pay off the debt until she gets her own practice.

So many people out there happy to be indentured servants, it really makes me wonder what shape the country will be in 50 years from now.

If she is unemployment under a income based program her payment could $0/month

Congratulations you played your self.

FUTURE COLLEGE STUDENTS: TYPE INTO GOOGLE, BLS (INSERT CAREER HERE). The Bureau of Labor Statistics gives information on all careers, which includes median salary of people in that field for the previous year, number of jobs available, and job growth. A 5 second google search told me the median pay for a chiropractor was $67,520 per year.

i think you should just work your but off for 2 years and not pay a dime. Save up as much money as you can, !!Don't put it in the bank buy silver or gold coins and save up some cash then move to a different country and start over. and not waste the rest of your life trying to pay off a debt that mathematically won't be possible for you without extreme slavery conditions and no life or fulfillment of life. think about your choices you life only once, why waste it slaving away to pay something that is rigged, money should not rule the way you life.

Dave is wrong. She should go for loan forgiveness if possible. He’s concerned about her wasting 10 years of her life before the loans been forgiven. Realistically, how long will it take her to pay it off by herself? Likely more than 10 years. The bottom line is, Dave has never advised any caller to seek forgiveness because he is a hardcore conservative who does believe taxpayers should pay of her loans. I would agree with his position if he just comes out and state this.

Income based repayment is 20 years lol

This caller apparently doesn't believe in the internet. Do people not google unbiased employment/degree research???

3000 a month for 10 years LOLOL

Future husband got wrecked lol

She should have bought a manual!