Opening Up About My Student Loans and Credit Card Debt

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Check out today's sponsor, Surfshark! surfshark.com/t... . Use code TIFFANY for 83% off a two-year plan (pay only $1.99/month!) /// today I'm discussing my income and my DEBT. I am SCARED to post this but I hope it's helpful in some way.
#debtpayoff #studentloans #debt
I am opening up a conversation about student loans and credit card debt. Especially as a young person, we don't often have transparency with our peers, which makes it really hard to learn about personal finance and responsible money habits. Also it's so stressful to be in debt and think you're alone! This is the beginning of my budgeting / debt payoff journey, so I hope you guys are interesting in following along as I try to pay off my debt as quickly as possible!
I also discussed a bit about my income, especially since becoming a full-time RU-vidr.
Check out Aja Dang's channel for her debt payoff videos -
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I also recommend The Financial Diet for great personal finance videos from a female perspective - / @thefinancialdiet
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Hello my dudes! My name is Tiffany Ferguson. I’m a 23 year old sharing my thoughts and life experiences. Here on Tiffanyferg, recently I've been working on my Internet Analysis series, where I research and share some commentary about online trends. I also occasionally talk about my experiences with college, traveling, study abroad, veganism, and other young-adult tings.
Business Inquiries: tiffanyfergusonbiz (@) gmail (.) com
FTC: This video is sponsored by Surfshark. Links with * are affiliate, meaning I am compensated monetarily if you join or make a purchase.

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28 сен 2024

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Комментарии : 796

@marimarimar 5 лет назад

Also here's to making talking about money normal.

@nicotinedietcoke 5 лет назад

marimarimar it’s also not abnormal to be personal or private with your finances

@totalbooklover7866 5 лет назад

@@nicotinedietcoke It *is* the norm to be personal or private with one's finances, and while that's not inherently bad, there shouldn't be such a stigma surrounding talking about money.

@thepurplepalace85 5 лет назад

Also I NEVER understood why audiences have issues with sponsors. Like dude you’re getting free content and these videos take a f ton of time to make haha. Be happy for a girl 💥

@Agirl62 5 лет назад

Nina S but these creators need to get paid and sponsor ships are usually like 30 seconds of the video. Just skip it.

@thepurplepalace85 5 лет назад

Nina S while there certainly exist cases of creators abusing their platform, I think it is unfair to say that the majority of sponsors are irrelevant. I would argue that it is quite the opposite, actually: the majority of youtubers are conscious of what a privilege it is to have an audience and are thus highly sensitive to whether a potential sponsor would be a fit for their subscribers/channel. Anyone who is a RU-vidr can tell you that the amount of work put in hardly ever equates to the money earned, so be happy that the person whose content you’re consuming (whether you’re watching it ‘out of boredom’ or not), is able to receive a little compensation for their hard work. Finally if an ad doesn’t interest you, simply skip over it 😉

@FannyMMOs 5 лет назад

@@npineapple3077 Of course people do buy it, why do you think companies spend so much money on that form of marketing? :D

@blackworldtraveler3711 5 лет назад

The Purple Palace I don't own or watch tv and part of the reason are irrelevant and irritating commercials. Don't watch RU-vid much anymore because of them. I own 700 shares of Google so can't complain. Everyone watch RU-vid while I go backpacking in New Zealand for a few weeks.

@jamess9579 5 лет назад

Umm no. You cannot turn this around. There is so much content we can watch, we are choosing to watch this content. So you have an obligation to make it as high-quality as possible or risk losing viewership. Simple.

@AjaDang 5 лет назад

Hey girl, CONGRATS on sharing your story! With the support for your community, you'll be able to pay off your debt in no time! Also, don't listen to the haters (if there are any). Know they are just jealous of you for getting your life together.

@MeghanStark 5 лет назад

Thank you so much for your role in normalizing these conversations online! You are an absolute icon for sharing your debt journey and being so transparent about your finances, it's so important.

@amyflip 5 лет назад

Aja! I knew you were the reason this video popped on my feed! I've been a subscriber for awhile and I want to say thank you for opening this discussion! And for you Tiffany, you can do this! Im going to subscribe and see you pay of your debt! You got this!

@deficator750 5 лет назад

I had 40k student loan and 8k credit card debt. I lived by myself so i had to pay rent and everything else. Took me 4 years to pay off. Not worth it imo. If your degree going to get u a 80k plus job then go for it. But don’t go to uni just because.

@ldubb317 5 лет назад

I’m 28 and my husband and I are starting to pay off our debt of $37,000 🙃 Dave Ramsey is awesome we are following his plan (the baby steps) to get out of debt.

@isabelle9755 5 лет назад

that snowball method WORKS man fr 🙌

@JustJestina 5 лет назад

Lauren Carlton Dave Ramsey is amazing I love him!!

@ldubb317 5 лет назад

keecefly you don’t have to like him but the snowball method works!

@lllllllllarose 5 лет назад

Lauren Carlton I agree. I disagree with Ramsey’s political views, and sometimes he sounds so out of touch with reality. But it doesn’t stop me from following his financial advice.

@ocky88 5 лет назад

You are 28???

@leerosemurcia5497 5 лет назад

Thank you so much for your honesty. You're not alone girl debt is scary

@honeylea88 5 лет назад

So happy I’ve found you! Thank you for sharing. More people need to talk about this. When I graduated, I had about $25,000 in loans. I’ve been paying since 2014 and have tried to pay more when I could. All my bonuses were put towards extra payments. Nearly 5 years later and I’m almost down to $10,000. My goal was to pay off in 7 years. Hopefully I can still do it! You got this girl! You can do whatever your mindset is programmed for!

@susanmiller433 5 лет назад

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@jasoncork5506 5 лет назад

@@susanmiller433 Cyberghost is the real deal, I also used his assistance to get my score to an excellent range

@kathrynreardon7282 5 лет назад

I am in my first year of college and I decided to go to an out of state school, which I now regret. I wanted to get out of my state and start over, but I realized that paying close to $60,000 a year is not worth "starting over" somewhere new. I wish I stuck with a state school, and even if I do transfer the loans that I have acquired in just one year of out of state schooling is insane.

@marshclem2255 4 года назад

I agree, so many kids in high school think going to an out of state school is a good idea, but financially it’s incredibly irresponsible. I’m applying to veterinary school next year, and there’s only one vet school in my state (which is the same school I’m going my undergraduate). If I don’t get in to this school, I’m going to take a gap year and reapply instead of giving myself the chance to go out of state. If I get denied twice, I’ll go somewhere else because I can’t wait forever, but I refuse to take on that much debt if I can avoid it. There’s always a chance you could transfer to a state school and save some money instead of staying at your current school.

@wanelly 4 года назад

Kathryn Reardon: i bet someone or several people tried to talk you out of it but you knew better than them. Now enjoy your mess! 😉

@fluorescentadolescent2189 4 года назад

I'm a senior trying to decide between a private school with no aid and a state school. I'm just worried I won't get to try a bunch of classes to figure out what I want to major in

@wanelly 4 года назад

fluorescent adolescent: why would you want to experiment classes to know what you want? That would be the worst expensive mistake you will ever make. How about you shadow in jobs that you think you might be interested in for two years. After that, you will have a clear idea of what you want and you wont have spent any money to figure it out. Actually you would have been paid to understand the path you want. And after schooling, you will have experiences to list on job applications. A win win for you. Don’t ask school advisor for what to do. They are paid to help make colleges profitable. They are there for the interest of the institution not yours.

@ryanfoxx3142 4 года назад

Litteraly same, one year out of state, im already 40,000 in debt. I hate it here!

@jade_maus_ 5 лет назад

TIFFANY, bless you for making this. I’m at $24K in student loans with more coming as I’m going back this fall and $6K in credit card debt, which I would call half stupid early 20s bullshit and half I will starve if I don’t eat and I need to buy gas to get to my jobs and I just paid my rent situations. My boyfriend and I are tackling my credit card debt all together as he has a financially supportive family that helped him out with his, it took a lot for me to swallow my pride and let him help now that we’re both working full time but I’m so relieved. I’ve been trying for 2 years to get a hold on them but I’ve been the bread winner during that time too and had to make some hard choices to keep us afloat. This country is fucking rough man, I tell you what. But you’re so right in that we NEED NEED NEED to be talking about this transparently. While partially circumstantial, our choices also impact our debt and that’s valuable to reflect on.

@joannavalavanis 5 лет назад

Hearing this makes me so sad. Where I live school is free, uni is very affordable, if you cant afford it there‘s government help you can apply for (which you do not have to pay back) and getting credit cards for young people is very uncommon and student jobs pay a livable wage. America seriously needs to get their shit together, having a whole generation in massive debt is honestly horrible and should not be the case in any developped country!

@alinastarkov 5 лет назад

Joanna Valavanis where are you from??

@valeriavagapova 5 лет назад

@@alinastarkov Judging by their surname I would guess Greek, but can't guarantee. But also pretty much every country in Europe had similar policies, from Russia to Portugal.

@brittanyb5293 5 лет назад

Did you ever think about going to a school you could afford? Like community college to get ur basics, then going to a public university to finish ur bachelors? Part of the blame for the student debt crisis is parents and students choosing schools they cant afford to begin with

@ec1311 5 лет назад

Brittany b sometimes people still can’t drop 2k for a community college so they’d still have loans.

@brittanyb5293 5 лет назад

@@ec1311 I know but $2k in loans a lot easier to pay off than $20k

@marimarimar 5 лет назад

oh gosh those student debts😱 I used to live in the states but had to move back to my home country. Sometimes I'm really glad that I did, just cause of student loans. The career that I chose is something that I can pay every semester, thankfully. But student loans in Colombia are also, a huge thing and the word you used for those institutions is 100 % spot on: predatory. I just discovered your channel, like about a month ago? And I loooove it! I love how reflective you are and you shine a light on very important topics! Here's to getting lots and lots of sponsors in 2019 and being able to pay off all yo debts girl!

@camicampb 5 лет назад

thank you for making this video. we have the same amount of debt. i have 20k in student loans and 10k in credit cards. you make me feel less alone

@folded_pizza 5 лет назад

Rewatching this after you've paid all your credit card debt. So proud of you girl!

@eilishmcghee8766 5 лет назад

YES. I love that you were so open about your finances. I am very passionate about this topic as well. It's absolutely insane to me how much money we are obligated to pay in order to get an education and make a fulfilling and "financially stable" life for ourselves. I'm currently a senior for my undergrad and I'm looking to get my master's degree and I am just baffled by how much money I've paid/expected to pay in the future. All because I chose to be a contributing member of society. It really fires me up. And I'm glad you're feeling the same way too. Keep killin' it Tiffany! I hope you reach your goal of paying off your debts sooner than you think!

@TheVermilliaFamily 5 лет назад

I have $10,000 in debt on my credit cards due to unexpected dental expenses. I became unemployed in January, so each month has been a depressive struggle. Hearing how other people have their own debt and that it isn't just a "I'm a failure" issue is very comforting to me when the depression gets bad.

@piachersicola9438 5 лет назад

All universities in my country are tax paid. Yes we have high taxes, but regular students don't pay any scholarship, for any university. And our schools are great and our scientists and experts are appreciated all around the world. This is such a nomal fact for me, I never think about the millions of students who have to deal with all of this debt. Its insane. You are so great for sharing this, really. You got this girl, you are gonna pay this off in no time

@andie728 5 лет назад

I LOVE THIS. WE NEED MORE OPEN CONVERSATIONS ABOUT MONEY AND STUDENT LOANS!!! I am in the same boat as you. 35k in student loans. that is ALL my debt, but still..... its crazy how many of us deal with the impact of debt.

@emmahudson9106 5 лет назад

you’ve inspired me to face my debt 😭 it’s terrifying but IT NEEDS TO BE DEALT WITH AND I CAN DEAL WITH IT! thanks tiffany!!

@rebecca5257 5 лет назад

Thanks for opening up about your debt! Money is so taboo in our culture, so I’m glad you’re talking about it. And the student loan struggle is REAL. I had the first three years of my undergrad paid for through scholarships, so I only had to take out loans my last year and for housing-and then I went to law school on a full-tuition scholarship, so again only taking out loans for housing-and I’m still going to graduate from law school with $80-90k in loans. and before anyone comes to me-I went to a state school for my undergrad, and law school is expensive, regardless of where you go.

@susanmiller433 5 лет назад

i like to share a story when I met my bf he had over 23k in debt. 3k I cc debt from his ex. (He also had his ex's dog and worked with his ex's mum) and car debt that had negative equity just rolled over from many cars. Now he's debt free!!! all thanks to CYBERGHOST67 a genius hacker who cleaned his credit. New better job and over 12k in savings I am very proud of him.Contact CYBERGHOST67 AT YAHOO COM or text him directly on +1, 612 4,4,0 48,1,3. if you have a fixed date to fix your credit profile or card issues.?

@vf7302 5 лет назад

I'm a senior in HS and I just applied to Loyola New Orleans and I was shook to say the least when you mentioned the school. I'm from Michigan and I wasted my time in high school not getting the best grades I could so I'm limited when it comes to schools. Good luck on your loans! Manifest what you want and it'll happen

@Saffeyah 5 лет назад

To make you feel better your debt is manageable. I owe in the 100k category I started off with 13k credit card debt now down to 6k on a 25k annual salary at one point. Now I’m getting higher salary in the 50s so knocking it down even more.

@echobean5222 5 лет назад

Saffeya H You’ve got this!!💙

@rachelle3728 5 лет назад

Good on you for opening up about money! I find it very hard to speak about money- even now as a 30 year old. I was in terrible debt in university and for a few years afterwards between my HECS debt (which is debt given to you by the Australia government to cover university costs and you pay back once you get over a certain income) credit cards and car loan, I was drowning. Trying to live in Sydney- the most expensive city in the world is bloody tough! When I met my husband, he was in a fantastic financial position, he had been sensible with his money, bought property and had a huge amount of savings. It took me a really long time to open up to him about the amount of debt I was in. When we married- he wiped my debt clean which allowed us to buy 2 properties. We still use credit cards, we put EVERYTHING on them, but we pay it off each month in full then use the points to fly when we go on holidays. I have even had the luxury of stopping work to go back to school to study again. The funny thing is with all of that, I still struggle to speak about money and often still find myself ashamed of speaking about the budget. We really need to teach how to handle money in schools because no one taught me- if it wasn’t for my husband, honestly, I would be stuffed financially.

@BactaBlast 5 лет назад

i feel you on the dental bills . mine was medical bills , picked the middle tier insurance through my job (full-time) and most of my appointments and medication were not covered (thanks to the deductible !) 400-700 per medication/ for 3 months, 200 per appt. 😒

@blairfell9769 5 лет назад

kattterina *text mystery_hacker19 on Instagram he’s an expert*

@Michelle-vs7pt 5 лет назад

Thank you for being so open! I'm from Canada, where most public universities are heavily subsidized by our government (which I am very grateful for). Recently though, our provincial government has been trying to cut back on loans and grants for low income students. I come from a low income household but am very lucky to have money saved for tuition. I do not have financial troubles but I really do see how loans it can effect people who need it most. Seeing students on the news discuss what it is like to be disabled or from single income households, that may now need to rely on loans to get through school breaks my heart. Especially as I see what a terrible effect it has on students in the US. You are not alone, and I am very happy to see the progress you have made. I love your videos and I wish you the best :)

@ellasstylenbeauty4034 5 лет назад

This is super encouraging and brave to put this all out for us! I now feel much less ashamed whit my former debt issues. Thank you!

@pepsinoceline 5 лет назад

I feel bad because I went to university in France, and even being from a low income family, I didn’t have to take any loans. Those rates on loans that the companies are making are INSANE!! I think in France and Sweden where I live now, you can also take a loan with 0% interest. I don’t know if I would have studied if i had lived in America. About the openness, it’s interesting because in different countries it’s not taboo to talk about and some it is... so for me it’s not odd at all for you to talk about it and I have never even thought of shaming someone for wanting and education?!

@draliene9640 5 лет назад

In from EU and this sounds like hell

@abigaelrarts2257 5 лет назад

I don't see anything wrong with sponsorships as long as you believe in the product/brand and the values the company encourages

@mindaurra1525 5 лет назад

Thank you for talking about this. Right now I have 10k credit card debt and 10k student loan but I am slowly working my way to paying it off even though I am in graduate school and live on a stipend. I am just happy to be doing what I love and getting paid for it. It is really scary to think about though, I throw every extra dollar I have at my debt but it feels like such a big task to pay it all off.

@eMmAOoXx1 5 лет назад

Tiffany! Do you watch Aja Dang? She has amazing videos about her student loan debt and how she’s dealing with it, how she maximizes making money on RU-vid, budgeting etc!

@milicalderon2000 5 лет назад

I find the entire country’s mentality towards student debt mind boggling, we all realize that it’s messed up but still expect everyone to go through it. By the time I’m done with college I will have around the same amount in loans as you, I’m currently half way through my degree and the amount is also accounting for grad school after, but it still makes me uneasy. The fact that we *need* these degrees to start off our lives feels so constructive but then again what can we do? It gets especially hard when you realize that we will go from owing money in student loans to then owing money for a house loan and will basically stay in debt until our 40’s.

@stan_dinghere 5 лет назад

i agree its so important to be transparent with each other about money !! imo the hush hush etiquette surrounding money is made to keep people down and its important for our generation to try to crush that mentality. how do we know how much we should be paid if we dont know how much anyone else gets paid? how do we know how to handle debt if were too ashamed to share our knowledge? thanks for posting this

@nitroglyc-erin 5 лет назад

GIRL I FEEL THIS SO MUCH. I'm finishing up my masters degree and I'm in like........almost $90,000 when the interest is added in. My monthly payments were about $800 a month until I paid a few thousand that I had had saved for YEARS. I'm so glad I went to a state school for both undergrad and grad school because I can't imagine how much it would be from a private school. This system is so broken. You're so right, it's so important to stay on top of finances especially in a world that is trying to keep you in debt like this. I would love to see updates in the future. I recently found your channel and I love it. Keep it up and good luck. c:

@xoxofearlessgirl8892 5 лет назад

I’m so proud of you for opening up about this. It’s so eye opening and prepares me for university. I’m from the UK so tuition is cheaper but I’m still scared for the debt I’ll be in.

@shannonf101 5 лет назад

How are you keeping track of how much you pay back ?? Notes? Along with keeping tracking of interest.

@aimemaggie 5 лет назад

When you said housing is unaffordable I could relate. They keep building luxury appartements on campus at the school I go to. That’s 1k a month and I don’t know who would want that as a student

@gracehaul6622 5 лет назад

i live in canada so our loans arent as insane as the us but my student debt is about 35k but i know plenty of people who have debt over 100k. which totally suuuckkks i def had my loan defferred to travel which sucks. but im 25 and i want all my debt to be paid off by the time im 30. i know it sucks to not do fun stuff.. and i wont totally cut off doing fun stuff.. but i hope to aggressively start paying it off. love thsi vid & keep gettin those spons guuuurl

@BANANA-sy7cr 5 лет назад

As an European the student loan system in US is just insane. Where i live there are no tuition fees, the government gives a bit money for living, and there is a system for cheap and fair student loan for those who need it.

@ponandzi212 5 лет назад

I feel you. At my worst I had 6K personal loan debt (car) and 39K student loan debt. I now only have 12K student loan debt left. So close.

@blairfell9769 5 лет назад

Zoe Erridge mystery_hacker79 on Instagram /347-708-6619 cleared my capital one debt...he’s an expert!!!

@carolinebrassfield9492 5 лет назад

I don’t say this as an insult - but when I clicked on this video having watched you before I thought you would have WAY MORE DEBT!!! When I finish my masters I will have almost 100,000 k in debt. I’m glad I watched this video because it’s good to see someone being so vocal about this topic.

@lexismith8325 5 лет назад

Did you have an assistantship/RA/TA that paid for your masters? Or was it like an MBA or something?

@carolinebrassfield9492 5 лет назад

lexi smith I’m getting an MPH and I am working full time but still can’t afford tuition without loans. I’m lucky in that I don’t need any loans for living expenses due to my work, but at my institution being a TA/RA is only a supplement income and not nearly enough to cover tuition.

@NayNay97xoxo 5 лет назад

I'm going in to my senior year and this year will be the first year I have to take out loans. I'm hoping I won't have to take out more than the max I can as a student for subsidized loans but I might have to also take out unsubsidized loans. I'm an independent student so I won't be able to take out the parent PLUS loan even if I wanted to

@ayooKondom 5 лет назад

Haven’t even watched the video but I’m happy that it exists because we need to talk more about money

@sodasarbat 5 лет назад

I always saw posts and even videos about student debt issues in the US but I never knew there's this much money involved. Here in india, I'm doing a professional course and I have a govt seat which means I pay about 70,000₹ p.a (~1000$) for 5 years. Plus, the general culture here is that if your parents can afford to, they pay for you. (same in my case) but this must have taken a lot of courage to speak out in a video and I wish you all the best :')

@lexismith8325 5 лет назад

Valeria Vagapova Many people in the US are terrified of higher taxes and are willing to stay in this cycle of debt to avoid ~socialism~.

@lexismith8325 5 лет назад

Valeria Vagapova also, higher education is a huge business. Many people make a lot of money.

@lexismith8325 5 лет назад

Valeria Vagapova it’s definitely a thing! My parents are pretty conservative and they think this way. Whenever I bring up single-payer healthcare they start talking about how they don’t want to pay 50% of their income in taxes “like France does” (we lived in France briefly where their taxes were higher), or how they don’t want to wait 6 months for a hip replacement “like in Canada” but my parents and many others do not seem to understand the big picture. Many, many people in the US hate any sort of big government and that thinking unfortunately trickles to social welfare programs. Also, the US k-12 education is taxpayer funded, but we have issues with both federal and some state government severely slashing funding. If we can’t figure that level of education out, we can’t figure higher education out.

@lexismith8325 5 лет назад

Valeria Vagapova Also, because the US has 50 states, state’s rights vs federal government is a HUGE thing in American history. The civil war was basically about that (and slavery). That’s why liberal vs conservative states have wildly different laws. Something like a massive healthcare reform would piss a lot of states off and that fight would escalate through the court systems. Another thing that America differs in vs other countries is size and amount of people. Implementing something like single-payer healthcare is a massive, massive job that affects hundreds of millions of people- many of whom are against anything that would rise their taxes. I don’t think a change that large will ever happen- the US needs to tackle things like tort reform, patent laws, and other components to change the healthcare system. Same with student debt.

@lexismith8325 5 лет назад

Valeria Vagapova A good example of a fight between federal rulings vs states right is marriage equality. From Wikipedia: “Between January 2012 and February 2014, plaintiffs in Michigan, Ohio, Kentucky, and Tennessee filed federal district court cases that culminated in Obergefell v. Hodges. After all district courts ruled for the plaintiffs, the rulings were appealed to the Sixth Circuit. In November 2014, following a lengthy series of appeals court rulings that year from the Fourth, Seventh, Ninth, and Tenth Circuits that state-level bans on same-sex marriage were unconstitutional, the Sixth Circuit ruled that it was bound by Baker v. Nelson and found such bans to be constitutional. This created a split between circuits and led to an almost inevitable Supreme Court review.” The SC ruled in favor Obergefell, and marriage equality was legal in all 50 states. That was a massive, lengthy fight... and that was just for marriage equality.

@danielled8779 5 лет назад

If you get a master's or a PhD, then that's when the reality of debt really hits. I have a master's in education and I want to pursue a doctoral degree, but the debt scares me. It is so sad that student debt is the reason why people cannot reach their full potential and be contributing members of society. You actually have a very manageable amount (compared to what I have seen working in higher education). If you are planning in working in public service, then you can enroll in the Public Service Loan Forgiveness program. As an academic advisor at a public institution, I am in that program and it makes my payments so manageable and there's actually an end point when the rest gets forgiven, it is a big relief.

@lindabodewes7824 2 года назад

In New Zealand you have interest free student loans provided by the government. So you actually have a reasonable chance to pay it off.

@StrawberryFrosting3 5 лет назад

please make a video about budgeting as a financially independent college student! i know you have a more unique job, but we have a lot of similarities financially and academically, and i would love to hear more about how you actually budget your life and plan this all out

@123PhoebeC 5 лет назад

I made the worst financial mistake 2 years ago. We put solar panels on the house ($30,000) and made payments on them. I did NOT do the math and just found out that for the last 2 years I have only been paying interest on them. :O I almost had a heart attack when I realized. Terrible, terrible decision.

@blairfell9769 5 лет назад

123PhoebeC *text mystery_hacker19 on Instagram he’s an expert*

@Tessa-kp8cu 4 года назад

everytime an ad shows up in your videos i forced myself to watch it , im like dont do it she needs this xD

@nahomi5203 5 лет назад

I’m 10,000-16,000 in debt and I have not graduated yet. I cannot possibly judge anyone for having debt because had it not been for the debt I currently have, I wouldn’t have been able to get this far.

@lovelylunette8335 5 лет назад

I feel you. I've owed about that much in medical debt. I'm currently at around 10k left to go. I am really bad about making regular payments

@susanmiller433 5 лет назад

When I met my bf he had over 23k in debt. 3k I cc debt from his ex. (He also had his ex's dog and worked with his ex's mum) and car debt that had negative equity just rolled over from many cars. Now he's debt free!!! all thanks to CYBERGHOST67 AT YAHOO COM a genius hacker who cleaned his credit. New better job and over 12k in savings I am very proud of him. Contact CYBERGHOST67 AT YAHOO COM or text him directly on +1, 612 4,4,0 48,1,3.if you have a fixed date to fix your credit profile or card issues.

@jasoncork5506 5 лет назад

@@susanmiller433 Cyberghost is the real deal, I also used his assistance to get my score to an excellent range

@noomisutinen1761 5 лет назад

You can do it! 💓 We got your back!!! Thanks for being amazing 🙏🏻💗

@duck6100 4 года назад

I just finished my master's degree and I have a fabulous £70000 debt :))). Luckily in the UK student debt is kinda just like an extra tax. You only make payments if you earn over a certain amount (and it's a small percentage) and it gets written off in 30 years. Barely anyone actually pays the debt off before this so it sucks but I'm chill about it tbh.

@ashleynilsson8693 5 лет назад

Thank you for being so open about this topic! I am in the same boat and it is so helpful to hear I’m not alone.

@babyxkande 5 лет назад

I'm Canadian and we have crazy debt here too. Probably not as much as the US though. I made the decision to study abroad in New Zealand and take out an extra $15,000 bank loan in addition to my 10,000 a year provincial loan. But funny enough, I discovered after graduating that my provincial student loan (which is often recommended by high school counsellors) has an almost 7% (floating) interest rate compared to the 4.5% I have for my bank loan. How crazy is it that a loan from the government of Canada that is marketed specifically towards students can be so predatory while also being the norm. They should really inform students more about what they are getting into. I don't think you're an idiot for the amount of debt you have. It's actually not bad (or maybe I am an idiot too) haha

@saffronowen6737 5 лет назад

Always shocks me how crazy the American student loan system is😱, we are lucky here in the UK

@Tomasilienne 5 лет назад

This is amazing! This is the first time I've felt less alone when it comes to my debt situation. Thanks so much for your honesty! xx

@datcatsavedme7071 5 лет назад

Dave Ramsey has entered the chat

@mirandahazel1703 5 лет назад

University costs are fucking ridiculous here in the UK as well. I've got 5 more years of secondary school till graduation - prices will be through the roof by then.

@l1749 5 лет назад

I love this video so much! I think its SO incredibly important to be transparent about money & debt, especially within our generation ( & also examine how these things vary between class, race, gender, etc.) ! Thank you for your vulnerability!

@r.r.4674 5 лет назад

I hope you make more videos like this! I haven't picked where I want to study abroad.

@taylormarchman3605 5 лет назад

This was honestly so important and I just want to thank you for talking about this on such a genuine level. Thinking about my debt (that is currently still accumulating as I finish my degree) has been so overwhelming and full of shame. Thank you for sharing your story and talking about your plans on how to deal with it. It helped me immensely!

@blairfell9769 5 лет назад

Taylor Marchman *text mystery_hacker19 on Instagram he’s an expert*

@CarbonKingZach 5 лет назад

Also can't get rid of tax debt with bankruptcy, darn government.

@isaramirezca4697 5 лет назад

Thank you for this, have you thought about Patreon?

@bimli100 5 лет назад

yo same, i was just gonna comment that, why hasn't she made a patreon? I've seen much smaller channels with patreon

@lindsey8482 5 лет назад

This is so refreshing🙏🏻

@Muslimah33 5 лет назад

My husband went to Loyola law school. How did you decide to go to CUNY and not a community college in Nola or back home?

@urfavweapon719 5 лет назад

“The college experience” lol, love it.

@JermaineSam 4 года назад

Yeah loans have become the norm but it shouldn't be the norm. I think we are pressured into school a lot of the times. We also want to attend "prestigious" colleges that cost an arm and a leg. We have to be open and say hey! Maybe college isn't what we're told...maybe it ISN'T the key to a brighter future. But so many ppl hold college in such a religious way that it's radical to say: don't go to college it won't help.

@icedcoffeeandbookss 5 лет назад

In order to pay it off in 24 months, you could pay $1,293 each month. I know that's a lot but idk.

@orlafennelly7112 5 лет назад

👏👏👏thank you for starting this conversation

@blairfell9769 5 лет назад

Orla Fennelly *text mystery_hacker19 on Instagram he’s an expert*

@melisaroberson2209 5 лет назад

Good for you for facing this head on! We are paying off our last few thousand dollars. It's hard. We drive old cars and don't go on vacation but the short term pain is worth the long term gain! Get out of this slavery of owing money and don't ever look back. You aren't dumb, people live on credit their whole lives. You are incredibly smart for figuring this out now!

@valeriavagapova 5 лет назад

Hi Melissa! I'm sorry, I hope it's okay if I ask a question! Is it possible/common to live without a car in the US? Or are you seen as a bit of a weirdo if you don't drive? Just very curious how it works.:)

@melisaroberson2209 5 лет назад

@@valeriavagapova it just depends where you live! If your in an urban area it wouldn't be strange at all. I'm in the suberbs outside of Phoenix Arizona. The public transportation really stinks and is actually kind of expensive in my area and everything is really spread out. I have family in London and the cost of owning a car is much less in the US than it is for them in London.

@valeriavagapova 5 лет назад

@@melisaroberson2209 thank you for answering:) Just to get some perspective, how much does it cost to get a bus/metro/tram/something from the suburbs where you live to the center of the city?

@melisaroberson2209 5 лет назад

@@valeriavagapova I would take 2 buses and a tram, it would take a little more than 2 hours what only takes 20 min to drive. Cost isn't too bad, $2 per ride per person or $4 for a day pass. So not bad of your traveling alone but when you have a family it adds up.

@avantipatil7701 5 лет назад

Made a video about aunt Becky’s scam please

@Simple-annie 5 лет назад

You should watch Darci Isabella's debt videos because she has a great system going on for paying off her debt and you may benefit from some of her videos. I wish you the best of luck, you got this!!

@Magpie.Marrow 5 лет назад

But why didn’t you go to community college for the first 2 years? And then transfer! Most colleges accepted transfers and give scholarships. I’m currently in community college it cost 4,000 per year. So 8,000+ text books. So far I have 36 credits and I’m going to be doing 12 credits this Spring2020 semester and I’m not going to take summer off so I can get those 9 credits. Most likely I’ll get my AA Summer of 2020. And then I’m going to transfer plus I’m looking for a part-time job right now. I take public transportation that sucks in my city. Good luck girl!

@shanisokay 5 лет назад

Honestly you're already doing amazing on your loans. I started out with 26k three years ago and I should hopefully be all paid off this summer! It does feel insurmountable but it will end eventually

@susanmiller433 5 лет назад

@10minuteFinancialguide 5 лет назад

When you are real though, nobody follows you. it is so sad. I started a RU-vid channel to teach young people how to save money and make money and live debt free and I don't get as much following or subscribers. Most young adults only want to follow the ig baddies who do hauls, live in pretty houses, perfect boyfriends, and perfect life. it is crazy. I hope we build a better next generation. phew

@heyray131 5 лет назад

I know spending on stuff isn’t a big addition to your debt, but every bit helps! I’d recommend watching Hannah Louise Poston’s no buy series and maybe going on one! It really is helping me save for my loans

@LolitaFairytale 5 лет назад

This is honestly terrifying. I go to uni in Germany and am currently doing my Master's. I have no debt and am able to put at least $100-200 towards my savings each month thanks to my job as a working student in a somewhat small company. My flatmate qualifies for something called BAföG which is similar to a student loan but is distributed directly by the state of Germany (the ministry of education) instead of student loan companies. You can get financial support of up to about $800 a month and only have to pay back HALF of it (and only up to 10.000€, doesn't matter if the sum of what you received during the duration of your studies is more than that). Also, you only have to start paying it back 5 years after graduating in hopes of you having found a well-paying job by then. So the state literally gifts you money since you only have to pay back half of what you received, there is no interest (except in special cases) and you have some time to figure shit out before you have to worry about paying it back. I also heard that it's even better in some Scandinavian countries (don't know the specifics) This is how it should be everywhere and I am so sorry that the US holds this sword of Damocles over your head when all you should be worried about are deadlines and exams. Higher education should not be a business but a basic human right. A lot of my fellow students in my degree program are from the US and while they all came to Germany for various reasons, the financial burden of attending university in North America is one of them. Thanks for sharing and contributing to making following generations aware of what it means to accumulate and pay back debts, Tiffany! This was such an informative video and I'm sure it's going to help loads of people!

@dammitmom 5 лет назад

Im in the same boat, also had to drop thousands on dental work, even with insurance bcos i couldnt get basic things done when i had none :(

@myriamlc4400 5 лет назад

I'm from France and I pay 5,40€/year for university, and get 4770€/year from the government .. It baffles me how expensive american universities are .. Some loans are literally the price of an apartment Good luck with your journey !

@suides4810 5 лет назад

In Germany you have to pay around 300€ per semester but most of it is for the transportation ticket(usually for your federal state) you get with it.

@myriamlc4400 5 лет назад

@@suides4810 yes in France most students also pay around 200€/year for a bachelor degree and around 300€/year for a master degree, I happen to pay so few because I'm on governemental help program :)

@painexotic3757 5 лет назад

I mean, it not like you are getting money for free lmao. You are paying it through your taxes. American colleges are exensive because of things like financial aid and gov backed debt. If colleges know the gov will give students money no matter what, they can spend money to "improve" their campuses and afford to raise the wages of the facility, which causes tuition to rise. America would be one of the cheapest nation's to get a degree if we got rid of gov subsidies, but this would mean getting rid of luxuries like campus gyms, which most people aren't willing to give up.

@eleonore59830 5 лет назад

I'm french too and I paid nothing for graphic design master degree. All you may have to pay is cafeteria

@myriamlc4400 5 лет назад

@@painexotic3757 I never said I get it for free, I know it comes from taxes (just like my health insurance). Also we do have "luxuries" in our universities too, gyms (in my university I can have martial arts, swiming or dance lessons for free), huge campus, libraries... Judging by your explanations, it seems like the reason why universities are so expensive in the US is because they're managed like private businesses and not public services (as they should be). But I dont know shit about the US' university system so I'm only assuming

@shelbycollins2941 5 лет назад

GIRL. My husband went to a private undergrad school and then went to law school. Just his debt alone is above $120,000. Incredibly daunting. I feel you.

@rebeccaward9574 5 лет назад

Girl I feel you! My husband went to a private school and just his undergrad we have just over 100k in loans for him (plus 15k for me). Our monthly payments are now $950/month. And I'm pretty sure payments for my husband's loans are about to go up in August.

@blackbirdvb7770 5 лет назад

I seriously can't wrap my head around the fact that most people need to get in serious debt to acquire a 'basic' degree. It's so wrong that purely based on in what family you are born decides the chances of getting a comfortable life. It's so unfair, I mean the poor can't break their vicious circle unless they are very gifted and strong enough to pursue jobs next to their education. While dumb rich people can easily get a degree. Average poor people and average rich people should have equal opportunities. As a country, you cannot really call yourself a "free country" when your class determines your future so much. I agree that one should work hard to earn a degree, but that can be purely academic, it shouldn't be working multiple jobs and starting off your life with huge piles of debt or even not studying because you cannot afford it. It often seems that Americans see "working hard" as the way you need to do it, but that's putting quite some pressure on the shoulders of people who haven't even started their lives yet. Having to work multiple jobs and putting your mental and physical health at risk because of it is shouldn't be normalized. Everyone deserves an education without seriously struggling for it, it's the only way for a society to develop and be proud. I first studied in Belgium, and as a child of parents who are middle-class, I had to pay 900 euros a year, (Children from parents who are financially not in a good place often have to pay only half or even less). I study in the Netherlands now and It has doubled, but It's still doable and I won't be starting my life with debt, which I'm quite grateful for. I'll happily pay taxes with money I earned from a job I got with my degree, so everyone gets the chance to do it that way. You're very brave for opening up about this, I'm sure this will help a lot of people and make people who aren't that empathetic reason a bit more.

@VV-ik7sy 5 лет назад

Blackbird vb Just because Americans go into debt to get degrees does not mean they NEED to. There are other options, such as waiting a year and working full time and saving all that money for college, and then working part time in college (this would pay for a couple years of community college and then a state school); I live in California and cost of living is high and I could have managed this by crunching the numbers. However I did live with my parents and commute 1.5 hours to school so I know I had the advantage of living with my parents.

@VV-ik7sy 5 лет назад

My parents were ABLE to afford my school but made me pay for it; when I was a 17 year old i viewed this as unfair and I threw a screaming fit. As a graduated working adult now I want to do the same for my kids because I learned so much about money and life and work because of this.

@katiecommon3614 5 лет назад

You can get a basic degree from an affordable school. She feels like she is better than other people and went to expensive out of state schools and studied abroad.

@身赤-w3w 5 лет назад

It's affordable. You, her and most people just don't have the budgeting skills to make it so. Also 2000 in interest in 10 years is nothing to complain about 😡 you privileged ass westerners just don't know how to budget and you're not willing to WORK. Also a college degree is nothing 'basic'. It's not a necessity, you'll just get it and work a unrelated job like most people 🙄 it's just a excuse to stay on your parents backs for another 4-5 years.

@ines3770 5 лет назад

@@身赤-w3w I don't know where you live but in my country everything is diploma focused. They simply throw away your resume if yiu don't have a degree.

@eleo_b 5 лет назад

Well, at least you haven’t paid $500,000 to get in.

@tinawelch2545 5 лет назад

BURNNNNNN...

@ironmantis25 5 лет назад

$500,000 is a drop in the bucket for rich people, that's why they pay it.

@juliakeller6228 5 лет назад

Shay Monte' ; They clearly just implied that they wouldn’t because they know it’s wrong.

@MisterTutor2010 5 лет назад

Occupation: Postdoctoral Fellow in Cancer Research Salary: $47,800 per year May 2016 Balance: $51,000 October 2019 Balance: $9,720 Earliest Zero Balance Date: July 1, 2020

@lizzymarie6248 5 лет назад

$58,000 in debt in student loans here! And I didn't even finish school. This video has brought me some comfort haha. There's a lot to be said about young people (17-19 generally) falling victim to this college debt epidemic. As someone who started college at 17 I can say I didn't fully understand what I was getting myself into. Like you said, sure they try to explain it, but it's difficult for someone at that age to really comprehend the amount of money they'll end up owing. And they promise these high paying jobs to try to reel you in, but at the end of the day no one can really guarantee you that. I think you should continue to touch on this topic in your videos. If I had seen this video when I was 17 getting ready to go to an expensive ass school, I would've thought twice. Keep the conversation going on this! I'm a newer subscriber who has been binge watching your videos recently, glad to know I'm helping you with the same struggles I face, as well as so many others! Good luck :)

@susanmiller433 5 лет назад

i like to share a story when I met my bf he had over 23k in debt. 3k I cc debt from his ex. (He also had his ex's dog and worked with his ex's mum) and car debt that had negative equity just rolled over from many cars. Now he's debt free!!! all thanks to CYBERGHOST67 a genius hacker who cleaned his credit. New better job and over 12k in savings I am very proud of him.Contact CYBERGHOST67 AT YAHOO COM or text him directly on +1, 612 4,4,0 48,1,3.if you have a fixed date to fix your credit profile or card issues.

@thepurplepalace85 5 лет назад

Aw I love you girl! I admire you so much for opening up about this as it will 100 percent help someone out there. ❤️🌻

@risarae5143 5 лет назад

(I’m 22) my mom has been telling me that I should have $10k in my savings by now & im like “if I had $10k, I’d pay down my student loans, how tf am I supposed to have that much in my savings????”

@leilanidru7506 5 лет назад

Marisa Rokke you should imo. But it’s ok if u don’t, never to late to start a financial journey.

@milikoshki 5 лет назад

parents are judging based on their experiences when they were 22, which is like a different universe. Salaries are now stagnant, cost of living is much higher, entry level jobs are hard to come by, etc... 10k would be great to have but I don't think it's very helpful to set these arbitrary numbers as your goal- that probably accomplishes making you feel like a miserable failure, which is not gonna help at all. It's better to examine your income and see where you can save, or prioritize how much you throw at your debt. Paying off debt aggressively=cutting costs everywhere else (think beans and rice). It's tough but very worth it, especially when you lay out a timeline and see the proverbial light at the end of the tunnel. Good luck!

@leilanidru7506 5 лет назад

milikoshki even still with the financial and generational gap 10K isn’t that much To save up by that age.

@valeriavagapova 5 лет назад

@@leilanidru7506 Genuine question from an "outsider", how would it be normal to save $10000 by 22 if kids finish high school at like 18 I'm assuming (right?), then go to college and accumulate ~$40000 of debt on average there(if I'm not mistaken)? I imagine working a part-time job won't make nearly enough money to cover all that + living expenses + save $10000. I'm just not quite understanding how this could work in the US.

@leilanidru7506 5 лет назад

Valeria Vagapova well by 22, which would ideally be the age of graduation. A lot of people get jobs starting in high school, part time during school semesters and a lot more hrs during the summer. This goes for college too. I’m a full time college student with 17 credits but make approx $2,000 or above per school year with just a work study job working a measly 10 hrs a week. Multiply that by 4 yrs and that’s already$8,000. This is excluding the likely 2 yrs from high school a lot of teenagers typically work. And excluding the four summers in those 4 years in which you can earn thousands more I’m limited by transportation issues, being a collegiate athlete, and taking 17 credits per semester etc I can only get jobs on campus and work 10 hrs at $9 minimum wage. but for others as a full time student and part time worker, over the course of a 4 yr run in college (age 22) $10,000 is not that hard at all. Never said they’d be debt free tho🤷🏾‍♀️ I said having $10,000 saved up isn’t that unreasonable at all. Especially if moderately good decisions are made and approx 6 yrs of work.

@hidansektas 5 лет назад

Im from Serbia and you have an entrance exam to get into university + your average in high school so thats how you rank. Say they are accepting 80 people, 60 best get free first year of uni and the rest pay for that year (in my uni thats 400 euros per year). Then if you pass a certain amount of exams you can get the next year free and so on, also if you dont pass a certain amount of exams you obviously will have to pay for the next year. I spent less than 100 euros on my education because our professors post our textbooks online. Also im fine with sponsorships, you do you boo as long as they arent a scam :D

@heatherlouise1522 5 лет назад

I find it terrifying that these large loans are considered normal in the US. Well done for talking so openly about this and inspiring others to tackle their own debt! I'm so grateful to be from Scotland, where tuition is free (although many students take out loans to help with living costs but even then repayment only begins after earning a certain amount) but I wish tuition could be lower for everyone.

@MelissaJoelsen 5 лет назад

As someone from Denmark where university is free (and students are paid a monthly tuition so they can survive) this just sounds incredibly scary, and it’s crazy how many people this affects - I hope there’ll be a reform of your system soon! Also I never understood credit card debt???

@holigatis7588 5 лет назад

I believe this is one of the reasons why mental health issues are on the raise.

@georgesorosghost7244 5 лет назад

Is it true that the tax rate in Denmark is about 50% though? If so, that means low earning unskilled workers are playing rich highly educated peoples' tuition fees.

@josephsanchez2061 4 года назад

The income tax rate in Denmark is 55.8% and the sales tax rate is 25% so I think our system is drastically better given the individual is responsible with their money.

@SophieSeno 5 лет назад

2000$ for removing wisdom teeth? That would cost you no more than 40$ (without insurance) in Bosnia....how is it possible its that heavily overcharged in america thats shocking!

@emulan5887 5 лет назад

They charge you for everything even the plastic cup you drink water from, they are thiefs.

@dalalj1672 5 лет назад

Hvala!

@Sarah-ny8lw 5 лет назад

E Mulan Why would you think a plastic water cup should be free? Nothing is truly free, but should be priced reasonably.

@millermacaroni 5 лет назад

even in canada the dental industry is extremely expensive for people who are not insured!! (free healthcare does not cover dental or vision)

@millermacaroni 5 лет назад

@@valeriavagapova yep it doesn't cover anything related to dental or vision

@samantharuth4140 5 лет назад

Hi Tiffany! Good luck with your debt journey. I highly recommend checking out Dave Ramsey here on RU-vid. Tons of great videos and he's helped thousands out of debt. I wish you luck!!

@dexter3013 5 лет назад

Samantha Ruth yes! We paid off nearly 40 grand in 18 months! Dave Ramsey is so motivating! Watch his RU-vid!

@zoe-elizabethmccray4868 5 лет назад

Paid off all $30,000 of my student loans before graduation...it’s possible!

@irisferguson2229 5 лет назад

That's awesome! Wasn't even a thought in my mind while in college. Wish it was. Even when I got out, it wasnt a thought beyond the minimum payment. If it was a thought, I would have paid it off more aggressively.

@Nova-qw3bt 5 лет назад

that's badass! way to go!

@justinabenson7229 4 года назад

How did you do it?

@nessrinetle 5 лет назад

First of all, thank you for being so open about an issue that seems to affect so many people. I hope it all works out for you. I believe someone mentioned this on a previous video but as a German the whole credit card debt really blows my mind. It seems to be quite a normal thing in the US? In Germany, most people don't even own a credit cards and generally people just don't spend money they don't have. Of course, there's exceptions like taking loans for buying a house etc. As for the student loans I think most people know that we don't have tuition fees so that's not a problem and if you need money for basic expenses there are many options with government support as the easiest. Not to go into detail but basically you have to pay back half of what you were given with a max. of 10K. But even that payment depends on your income etc

@DasBellaKF 5 лет назад

@@tiffanyferg Wow 😳 That is f****d up on so many levels. So basically, if you're not born rich you are screwed by default.

@denizece3672 5 лет назад

@@tiffanyferg Wait, what? This automatically sets people up for failure. Actually, everybody! I smell another bubble. I am from Germany, too and had no idea about this. I started to think about possibly moving to the US at some point but with that in mind, I really have got to question if that even makes sense. How is something like acquiring debt even encouraged? In Germany, people panic if their debit card is overdrawn with, idk, 500 Euros, lol.

@diidada 5 лет назад

I'm shocked about the whole credit card loan too. It's not common to have a credit card or a credit card loan in Finland. It just baffles me and makes me happy I don't have to worry about stuff like that.

@lexismith8325 5 лет назад

Deniz Ece It’s not really that acquiring debt is encouraged (although that’s what happens for many people), it’s that credit scores are used to prove that you are able to pay back loans/borrowed money.

@valeriavagapova 5 лет назад

@@diidada Yeah, same thing with credit cards in Russia too. From what I have seen only wealthy/well-established people get credit cards at all (most people use debit) and even if they get into a bit of debt they repay it within a month or so. It's absolutely not normal to have any debt (apart from mortrage for apartments/cars).

@GSFL1 5 лет назад

I really think my parents paying for my education has been the greatest gift of my life. Thanks for opening up about this, you are mature and motivated and I hope you can pay this off as quickly as possible!

@midnightfox653 5 лет назад

I don't have credit card debt (I use it and pay it off every month), but I've a little under 25k in student loan debt (finished my MPA recently). It is terrifying. Plus I'm still stuck at a part-time job and can't seem to find full-time work. It is very frustrating. I do agree that it does seem that most people don't know what they are doing when they take these large loans. It is unrealistic to expect 18 year olds to be able to really understand those loans. Especially with our education system.

@elisecccccccc 5 лет назад

Side note, don’t know if you will see this, but maybe someone will. You can claim interest that you pay on your loans (up to a maximum amount) on your taxes and get it refunded to you! That refund could potentially go right back into your debt if you wanted. I ended up having car stuff I needed to pay for this year with my federal refund, but that’s what I normally do with it!

@jennylee1478 5 лет назад

Speaking of student debt...is your political YT channel gonna be back with Bernie in the running again?

@suides4810 5 лет назад

Bernie 2020 would be something

@twoscoopz4944 5 лет назад

please, god, no

@NNOutBurger_Gaming 5 лет назад

beautynessme why should someone else help YOU pay off YOUR debt that YOU decided to get?

@ttc958 5 лет назад

Student loans are the worst. I'm 29 and still stick.

@ttc958 5 лет назад

@@valeriavagapova not as long as you pay your debt. If you default and flee, that's a crime.

@ttc958 5 лет назад

@@valeriavagapova it affects the ability to qualify for loans.

@Katdontknow 5 лет назад

wow i just watched hasan minaj talk about student debt on netflix i’m canadian so this is absolute insanity to hear about, school isnt free here but its nothing like the states the loan crisis is terrifying

@ellenbullll 5 лет назад

Kat I’m Canadian too and I agree that the states has a loan crisis. But most of my friends are also in student loan debt, and so am I. I don’t think we have it any better 😬

@Katdontknow 5 лет назад

Ellen Bull 40,000 after 4 years of undergrad? what province are you in? im sorry to hear that its really awful. im in no way saying loan debt does not exist here, because i know many in debt, just not to the extreme shes saying. and yes 100% agree the system should be improved here. i know i am privileged w/ scholarships, grants, and live at home to avoid debt and graduating in june w a bachelors ❤️

@Katdontknow 5 лет назад

hey guys don’t get too excited its not that much different from the states but i am glad i live here

@valeriavagapova 5 лет назад

@@Katdontknow Totally sorry, I'm pretty ignorant about this, but what's the education system in Canada and how is it not that much different from the US?

@nicodav 5 лет назад

@@valeriavagapova I think it,' different from the U.S.There is no "Ivy League" private university system here. All universities are highly subdidized by the governement. Tuition for undergraduate programs per year for Canadians, 6 to 7 thousands$ (depending on programs), graduate programs : about 7 thousands$.