Your Niece Is Being A Brat About College! 

Got my teaching degree at a public school in 2011 for $20k. I make the exact same as the teacher beside me that owes $180k for some private school. It’s insanity!

Sounds like she's on the right path to start blaming others for her 250k in student loan debt.

The average 17 year old severely overestimates the amount of fulfillment they will get from college.

An 18k scholarship for a 52k per year school isn't a scholarship. It's bait!

I'm a teacher and coach. Love teaching and the kids. DON'T GO INTO MASSIVE DEBT FOR A DEGREE! Your "school" degree does not matter!

I had a doctor's office tell me their docs went to Harvard, my reply was I don't care where they went as long as they were proficient and didn't just barely pass!

Somebody should sit her down and have her walk through what her future budget would look like on a teacher's salary with $100K in debt. This much take home pay, this much for rent, this much for the loan, ask her how she's gonna eat and do everything else on the $350/month that's left.

Sounds like my niece, didn’t want to go to the school her friends never heard of but where giving her free ride; also for teaching. She didn’t have a choice or have any adult in her life take her side . She went to the school that paid her to go to and after a semester, when the reality of student loans sunk in to her friends, she was extremely glad she “chose” her funky little school and no loans.

"The school will give me an individualized education!" - says guidance counselors/teachers who spent 150k on their certification when they could have done it for 20.

She wants to go for the “experience” 💀

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

We paid for our daughter to attend a state university for her teaching degree. She would have a very difficult time paying back a 100K student loan on a teachers salary.

I totally agree Dave it doesn’t matter what university you go to.

I drive a 2003 Honda civic and some girls I graduated with drive BMW, but I have no lease ☺. Point: dont follow the crowd bc u live with the decision and pick ur friends wisely. Drop the immature friends bc they are a reflection of u

I love seeing john on here. So much insight and so wise.

Reminds me of myself when I was a teen. Frankly at that age I had more respect for my teachers than I did for my own parents, and my teachers were telling me "Yeah! Go to a private university in NYC! That would be so cool!"

Bowling Green State University is an in state option for them, and has a renown teaching school, lauded with all the awards, etc, so much so that prospective employers fly across the country specifically for k-12 teacher hiring fairs. If they want to the “best” teaching degree, their real choice should be the in state institution 2.5 hours up the road for 2/5 the price.

I go to a state school for computer science and have no debt whatsoever. before i went to college my parents sat down with me and discussed potential career paths that would be worth the education. (I.E. degrees that will have a higher payout and job opportunities). I really thank them for that because they realized how dangerous all that debt could be.

I'm pretty happy I had the sense to not go to an expensive School. Managed to come out debt free and currently work alongside and above people that paid literally 5X what I did to get educated

It doesn't work that way, you can't just go to a university for one year and get your four year degree from there, they won't allow you to transfer that many credits! You need a certain amount of credits from the same university to get their degree!

She wants to party in the same school her friends are going to.

She's not thinking about the money situation, she's only a teenager they can't think that critically and long term yet. They don't know the real world. She's thinking like a kid because she is a kid. A lot of kids want to go away for the experience and they think it's a new chapter in their life so they have to go to the extreme.

Honestly you got a free education for the same degree versus a high price education for the same degree that a young “adult” has NO clue how to pay for it and so takes a loan and thinks it’s ok because everybody does it. College names do no equal knowledge. Knowledge is pertinent to the individual.

If a young person doesn't want to listen, let her make her own choices. She's young but once she turns 18 she's an adult. Just let her know you're not going to support her if she makes the wrong choice and let that be that.

Why do people make such a big deal about being the first in their family to go to college? Never understand the reason.

Teacher here...BAD idea!!!

What's wrong with her? She can go where she gets a 100% free ride. Besides, she wants to be a teacher so what is the difference?

That is a good idea to find someone she respects that also has/had student loans and at least let them chat about it. If it doesn’t stick, that’s on the 17 year old

1) Xavier is not that great a school, it is not a nationally ranked school or a tier 1 school so tuition paid there is basically a waste 2) if she really just wants a teaching degree then go to Ohio State, comparable in academics but cheaper and will allow her to graduate with a lot less debt

When kids have skin in the game and have to be responsible for some of their education costs, I think they learn better what to spend money on and what not to. If parents just spoil them and they think it's limitless, they spend money like the govt.

I worked my butt off while in college. I had three part time jobs all while maintaining a 3.75 gpa and I was captain of my college debate team! No student loans until my senior year when my parents thought I earned a break - back in 1986. Only had about $1500 in loans. I was blessed. Once you learn how to budget your time, it is amazing how easy real life is - I still don't know how I did all of what I did in college and survived!

Don't ask the teacher until you know what their answer is...

I work for a large engineering firm, and even in that environment I think I know where maybe one co-worker went to college. Over priced colleges are WAAAAAAAAYYYYY overrated.

When I was 18 I was so upset I didn’t get into MIT for engineering. Now I’m 26, went to a public school, and I make $200k as a subject matter expert in engineering. School means absolutely nothing, just gotta play your cards right.

In 1990 my French teacher handed me her check stub and talked about budgeting and teacher pay vs work. I still worked in education for 25 years.

I just graduated with my bachelors from a private university (graduated one of the top 10 in the country for my field and the degree from this college holds A TON of weight in my fields, I’ve heard it from so many employers) however, instead of changing schools, I wish my parents would’ve taught me how to get more scholarships and finances in general.

Students usually pick a college based upon a. Party school reputation b. Beautiful campus c. Beautiful dorms d. Ratio of members of the opposite sex e. Reputation for being an easier school f. How far it is away from their "irritating parents"

If the degree costs more than what the career can afford to pay back then the degree is a bad investment. Either pick a career that pays more or a degree that costs less. If she chooses to go to the expensive school and take out 100k+ in student loans I would not help her and let her suffer paying it back. Some people need to learn the hard way. If you pay it for her she will learn nothing and the idiocy will be past down the generations.

You will make the same money, regardless of what the b.a. cost.. She could get a masters degree at a state school for less than a b.a. at a private school. Masters degrees earn teachers higher salaries

Xavier, I mean, common. You have Georgetown, Boston College, Notre Dame, leagues ahead. 50k to go to second tier Catholic school; ok if you're a rich catholic, but otherwise?!? JD was likely on the nose with the learned-snobbery angle, though.

Do exactly what my parents did....they said that if I worked at the high paying job they secured for me, they'd pay whatever the job didn't cover (it covered everything) at a state school. If I took the job I wanted or went to a more costly school, they wouldn't pay a penny. I hated the job, but I got the degree. If family makes it clear that they aren't paying for anything or signing anything for her, she'll realize her only option pretty quickly.

Tell her to listen to the podcast Borrowed Future. It used to be recommended by Dave Ramsey.

My daughter is about to attend Baylor University. It’s $70k a year. My daughter has HF autism, so it’s what’s best for her. It’s small and quaint. That’s what we like about it. Everyone do them. Do what you can afford.

Our district values whether you were born and raised in our district than where you went to college. They get over 4k in applications per year. Nepotism runs strong here

Going to Xaviar for education is completely unnecessary

When I hire people (in business) there are a very small handful of schools that get special treatment - Xavier is NOT one of them. That’s just another school. If your daughter/son wants to be a teacher, spend the least amount possible. There is no greater program. And, in my state you need a Master’s to start teaching without emergency certification.

My SIL is a retired teacher and still paying off her student loans!

Student loans are not worth it.

Even a teacher who doesn’t have student loan debt can tell her they wouldn’t be able to afford it. They can tell her they can only cover the basics.

If you go into the teaching field, find a good program at a state school.

Doesn't matter where your degree is from the starting salary is by contract. Most school contracts are available online of at the Business office, someone should go get a copy and show her that.

She wants to be in debt for the rest of her life then that’s her choice 🤷‍♂️

It’s wild to me how much more private schools charge compared to public and still have students attending. The education isn’t even radically different and often the state school is ranked higher.

Tell her NO.

If you have great grades and get a scholarship, go for it. If you don't, take a breath and think long term. For many it's the Masters they might have to get that is more important than your BA. Such a shame to see debt for social work or teaching or jobs that wont give your the money to pay them back. Some colleges that are private have teaching programs that help you pay back tuition by working nearby for few years but you need to know you will do that.

dont you people here get it? its not for the school aspect, its to have that “college experience “ away from home. to be able to party, do things they were never gonna be able to do while going to a school closer to home. I have had many of my peers in my younger years tell me “im going to X school because they have an amazing frat house, or Im going to Y school because they party hard”. these people are the problem especially when you can see countless videos on RU-vid with teachers crying about not making enough to survive, having to work three jobs. If she decides to go, dont finance anything, and let her make her own decisions/mistakes.

Love it! She's already an education snob!

Dr. John hits the target. When it's time to find someone to blame we should start by looking in the mirror. The kids behavior was probably modeled by watching the parents behavior since they where born.

Spend a bunch of money to get a degree to do something that doesn’t make much money... young and dumb

I guarantee you no one would hire you based on going to Xavier U. I don’t even know what state it’s in.

Dave is spitting fire here!

Your probably gonna find out in life that your not gonna amount to CAT SQUAT, no matter which college you attend-Matt foley

But this is the AUNT. She should probably stay out of it and leave it to the parents, unless they asked for help.

Dumb and selfish is a bad combination. Education degrees are nothing to get excited about in the first place.

Psychology: Blame it on someone else.

What Dave recommended is what the man who begat me did. I have forgiven him, but do not speak to him to this day. He totally derailed my life. It does matter where you go to college. My friends that went to better schools than the 4th tier rated state school I attended married better and made connections I never saw at the school I attended. The man who begat me is well off financially. I seeked the best program for the cheapest price. It was an out of state school. It had the cheapest out of state tuition in the whole US. With art, you have to find a way to NYC or LA. This place was my ticket. It hosted real HBO writers and WG writers that work in the real world. My school had none of that. And for Dave-if you want to work at a certain college, go to any other one. Mostly, you don’t get asked back for wanting teachers with diverse academic backgrounds to enrich your college. And also, colleges are not going to make research that could hurt the business of college.

I have nieces and nephews. I don’t understand why she is inserting herself into this. I don’t mean to be a smart Alec , but this is something her parents need to handle. I notice she has not mentioned her sister-in-law.

Maybe the “brat” wants a certain type of college experience that the state school does not provide. And there is nothing wrong with that. All I know is if the dad does not want to pay, it is his prerogative. It would be hers also to never speak to him again.

I don’t know about the teaching profession, but with the legal profession, where you go to school matters.

What you get from the expensive school is often a foot in the door because of the education snobbery and the higher influence that they carry in the workplace. That said, figure out how to get your own foot in the door and you're good if you're good at the job

I think a good rule of thumb is that your annual earnings should be at least triple the annual tuition. So if it’s $52K/year tuition, you should expect to be earning at least $156K/year. Otherwise, it’s not a good deal.

It doesn’t happen because of the home. I went to a cheap state school, so did my husband and our other son and we had little to no debt and great careers. Our youngest son is like this girl. I confirm, these attitudes do NOT always come from home. Sometimes it’s school, friends and personality

Her not listening to the advice of her parents is fine, she doesn't have to. She can make the decision on what to do without them AND without their money. Nobody is forcing them to fund her nonsense idea, so they don't need to negotiate with her.

Why is the aunt making the call?

If I was the parent in this situation I would say I would pay for and/or sign only up to x% of the expected average salary for her major. No less, no more. I would then sit down and show her how long it will take for her to pay off her remaining debt and how much the interest might cost, while also finding some sort of statistics that show average salary vs university cost. You won't convince her with emotions. She is an undeveloped teen that has already made up her mind emotionally.

52k a year is about $2500 a credit hour

It's easy to understand why a girl going into teaching would make this mental mistake as those who get degrees in education usually have bad SAT or ACT scores.

Well... OP can advise. That's about it. Unless OP is the one with the checkbook... "Dear sis and BIL... Tell your daughter she's demonstrating lack of a basic requirement of being a teacher: Common sense. Who in their right mind pays $250k for a degree to get paid $32k a year. She could almost make that much putting $250k into mutual funds."

She’s gonna destroy herself eventually financially with some major debt even if they convince her to go to the school with the full ride.

Privileged kids problems...

In my state teachers pay is determined by degree and years of service - period. My suggestion if for parents to decide the money they're willing to pay wherever the child attends. If they decide on an expensive school, they make up a difference. A good exercise is to look at her salary when she gets out of school, living expenses, and school loans (which I know uncle Dave doesn't approve of.)

Another thing you can do if work out what their budget looks like after they get their first job and what the loan payments look like and how long it will take. 180k means little until you see how broke you will be for 20 years.

Bro as a current senior I’m high school I toured Xavier that joint is a DUMP pride flags on the church, NO student life at all, mid academics for 50 GRAND go to literally anywhere else

Easy as “pull out the checkbook and write a check for $50K for the first year” and you can go there. Otherwise, I make the decision.

Teaching is for those who can’t.

IT'S A FREAKING TEACHING DEGREE IT IS NOT LIKE SHE WANTS TO BE A LAWYER OR A DOCTOR TAKE THE FULL RIDE FOR A STATE SCHOOL PLAIN AND SIMPLE NOT ROCKET SCIENCE. if she is not willing to do it then I say just say no to her let her make her own choices and way and mistakes.. and let her get hundreds of thousands in debt.

It’s all just marketing isn’t it. Which is another word for manipulation. You pay more because they convince you it’s worth it. Very clever in all fairness 🤷🏼‍♂️

And all that money for a financially loser career like teaching. I once (1973) became a high school dropout because my talents, such as they were, only led to teaching and I knew then that over my dead body I wanted to do that; I just didn’t have the temperament, interest or willingness to be a teacher. I’m still sticking to my alibi in 2022.

There's a boy at Xavier. That's the reason. I guarantee it.

Preventing young people from making mistakes is almost as hard as running across a highway and making it to the other side. It's not impossible just challenging. I thought the same way for STEM. I followed US NEWS and World Report to the T. Plus its 2022 so you can learn anything online. Plus since the average teacher doesn't make a lot especially starting you should be trying to go to the cheapest school in AMerica.

Americas education system is a mess 🙈 my does it cost so much to get a basic education?!

Colleges you can graduate debt free: College of the Ozarks, Pensacola Christian College.

all my kids accepted to university,none took it up just went to work,seem very happy.

I say let her make mistakes and learn from them. I went to a private school and paid off the debt, she can too

She should go if she’s ok with taking six figure student loan debt in her name.

Go start learning to code.

She's not a brat or a snob for wanting to go to a big name school. She's just a teenager that doesn't understand the stress and pressure debt causes.

And she will need her masters either from the start or soon after her BS.

Guys the issue is not that she can't choose the school ... if she chooses the school and doesn't get the high paying job(unlikely for a teacher) she will be wanting to move back home and her parents have to continue supporting her LOL or else you same people will be like "why won't they let her move back home?!?!"

Was that the clowfish theme at the end of this video??