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How Do I Pay Off $182k In Student Loans?

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Текстовые комментарии (128)
Christabel Mwanaliti Dinwiddie (1 месяц назад)
I can't stand when people with six figures call in for advice.
Brett Davis (2 месяца назад)
I hate my job has mandatory contributions to retirement. It would help a lot toward my snowball.
Zombie Prodigy (3 месяца назад)
How do 2 PA's only make $10,000 a month???? It should easily be $200,000+ yearly??
Noel Gantepalli (1 месяц назад)
200k * .67 = Take Home pay of ~134k. 134k/12 = ~11k soooooo the numbers makes sense.
DAVID ALTON (4 месяца назад)
HOW DO YOU SUVIVE IN THE USA WITH STUDENT DEBT/MEDICAL BILLS/TIN BOX
Nick (5 месяцев назад)
The first thing he should have told him is what his income was after expenses. And the solution is is to get a good credit card with a high limit for example 20k$ and pay off 15k$ into the student loan. Once you do that you need to put your entire income into the credit card and use the credit card for expenses and just repeat until you have a 0$ balance on your credit card and pay off another 15k.
Nick (5 месяцев назад)
you need credit cards for a credit score. How else are you going to get a loan, house, or a car lol
pamelam4 (5 месяцев назад)
Do you not watch Dave's videos? He's 100% against using credit cards.
MrElculver2424 (5 месяцев назад)
Should never be having children while you're still 6 figures in student loan debt. Only morons do that. Seriously. You have to get yourself straightened out first, THEN you have children so that you can give the best to them.
shalom4714 (5 месяцев назад)
Every body who calls sighs right before their question in the flip side Dave is like the most chilled!!!😂😂Some one should take a note!!! This guy did not just get here!! He got the game right Duh 😂😂
Andrew Plantagenet (6 месяцев назад)
A lot of homies call in from Orlando.
Courtney Howard (6 месяцев назад)
kids popping out everywhere! :(
Moses Yang (7 месяцев назад)
Graduated as a PA...doesn't know how human biology works, makes another baby to make more debt...
Mr. White (9 месяцев назад)
Dave was NOT impressed with their incomes.
Caleb Shares (6 месяцев назад)
Mr. White he shouldn’t be my hubby is a PA and brings home more than 110,000 a year just on his own.
Pedro Guerra (9 месяцев назад)
I've never understood why someone would get a degree as a PA. Put a little more effort in, get a little more in debt and become a doctor already.
zadu baba (5 месяцев назад)
The same reason people become nurses, teachers, lawyers, doctors, police officers and so on. A person’s career choice is neither a direct reflection of intelligence nor a measure of willingness to work harder.
Caleb Shares (8 месяцев назад)
Pedro Guerra it is a completely different career field.
Five Cents Matter (10 месяцев назад)
It is possible to work your way out of debt, my family has paid off over $27k in 18 months! Do not give up!
Kelsi Clark (6 дней назад)
The Krystol Method Income is your biggest shovel
The Krystol Method (16 дней назад)
Five Cents Matter How did you do that? I have $211,000 in student loans and I make 38k.
smith haydens (10 месяцев назад)
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rose dickerson (11 месяцев назад)
I think some of this people be lying about their jobs. If you a PA (physician assistant) like he said, you are pulling close 100K a year. I think a lot of people live out of their means.
Alexandria Pittman (9 месяцев назад)
I am saying that the initial numbers used for their debt payoff need to be corrected for taxes before they can have realistic application. 187K at 6% interest would take ~2K per month for ~10 years to pay off. At 10K per month, 8K left for all other expenses. It is a question of math, not psychology, that I am addressing. Either way, it is up to them now. Wish them luck!
rose dickerson (9 месяцев назад)
so you agree, people live above their means. and it is possible to pay out your student loans
Alexandria Pittman (9 месяцев назад)
Average PA slary is 100K. With 100K salary, you take home about 68K home. That equals about $5,700 per month. If both are PA, the 10K take home quoted would be pretty accurate. It's more about living in your means and lowering your expenses until the debt is paid to enjoy the wealth later in life.
Hilton Hunt (1 год назад)
I see a Dave Ramsey video and I click like.
Musa I of Mali (1 год назад)
"You don't."
RoomWithAView (1 год назад)
This man does nothing but ramble about his caller's issues. Where's the innovative advice Dave is "known" for in all his fame?
Byron Bond (1 год назад)
Vivi33 subscribed and find out.
divatart90 (1 год назад)
"This is a daggum mess!" Dave is funny 😂 but I agree. I can't talk though...I've got 63k worth myself 😒
Harley Rider (1 год назад)
I drive a truck and make $75K a year. Why does it cost so much to be a PA?
COIL Universe (8 месяцев назад)
As a truck driver, if you work as an independent contractor, I hope you are paying your taxes. Lots of truck drives get in trouble for not paying their taxes.
Caleb Shares (9 месяцев назад)
It only costs so much when you don’t plan, go to expensive schools, and don’t have a job when you can.
Alexandria Pittman (9 месяцев назад)
The cost of tuition, books, fees, and living expenses while not working for 24-34 months.
Abdul Rennane (1 год назад)
https://www.teacherspayteachers.com/Product/Poster-5-Reasons-Why-You-Should-Not-Take-Out-Student-Loans-3113228
Jason Young (1 год назад)
That kind of debt is crazy for a PA. A doctor will make a minimum salary of 250k, a PA will be lucky to cross the 120-130k a year income bracket.
Caleb Shares (9 месяцев назад)
It really just depends what your speciality is in and what area you work in. As a PA in certain fields you can make 200k
Hope Sands (1 год назад)
My plan is to apply to PA school and it is so so expensive but NHSC offers loan repayments as well as some employers!
Caleb Shares (6 месяцев назад)
Hope Sands go to a cheaper school. It doesn’t have to be expensive.
Mychal Wright (1 год назад)
Robots and their jobs...the best is the business and financial degrees struggling with money lol
Jamil Fayyad (1 год назад)
I'm a non trad student and would love to become an md or even pa. But the opportunity cost is overwhelming financially and time wise. I'll either be approximately 260k or 110k in debt. Guess nursing it is !
Ulysis Milanes (4 месяца назад)
Jamil Fayyad bo
Alexandria Pittman (9 месяцев назад)
I proved my statement with math: It is not likely to pay off the debt IN residency with numbers like the mean and median AAMC debt figures, but a few years AFTER residency is a reasonable goal.
rose dickerson (9 месяцев назад)
so you just answer your own question. you can pay off your student loans than​ from medical school.
Alexandria Pittman (9 месяцев назад)
2017 AAMC mean medical school debt: 190K. Residency salary at 50K: ~40K after taxes. 4 years of residency: 160K total. Still leaves 30K without adding in student interest. Average raise for residency is about $1K-2K per year. Today's medical students have a difficult financial road ahead if they do not have scholarships,military, or personal/family funds. AFTER residency, a doctor could pay realistically off those type of loans within 5 years. I have at least 5 MDs in my family for personal reference to the finances of the medical profession. It is all about planning and execution.
rose dickerson (9 месяцев назад)
the same way you pay loans back when you only make 50K regularly. your pay increase each year of residency. my friend who is a doctor, paid back his loans within four years. however, i am only counting those who only have loans from medical school. Everyone dont have loans from undergrad.
Linh Duong (1 год назад)
10k sounds about right. 200k after tax would be 140k/12 = 11.5k they said they make close to 100 a piece so 10k sounds abt right.
Soljarag5 (3 месяца назад)
metroidM1A1, wow, that might me the dumbest comment I have read in over a year
Zombie Prodigy (3 месяца назад)
metroidM1A1 They have federal income taxes.
metroidM1A1 (3 месяца назад)
+Linh Duong They live in Florida where there isn't an income tax. So a 200k income should be a 200k take home.
T Staur (3 месяца назад)
Linh Duong Well 1.6k unaccounted for is sizable
Brad (1 год назад)
Glad I changed majors. PA's are overrated and PA school is ridiculously expensive.
Jenny M (2 года назад)
What is a PA??
A2Kaid (1 год назад)
No it's Physician Assistant not Physician's Assistant. They are not the doctors assistant lol
Gee Cee (1 год назад)
Jenny M I was wondering the same thing
Jenny M (2 года назад)
+Abi Gutierrez thanks (:
Abi Gutierrez (2 года назад)
Physician's Assistant.
Brandon Wood (2 года назад)
PA's aren't doctors..
rose dickerson (11 месяцев назад)
he said that he was trying to living like one lol.
luv robinson (1 год назад)
Brandon Wood i
trolintime (2 года назад)
"Every month we bring in about $10,000". Yes that is take home pay if you make around 200k.
Patrick C (2 года назад)
Right. Dave never includes taxes.
Lydia Green (2 года назад)
Cause you're broke docs😂😂😂I subbed immediately lol!
ross barkley (2 года назад)
Where was the advice ?~
Tyler Scow (6 месяцев назад)
Are you deaf?
koolyo2foots (1 год назад)
ross barkley 2:12
Jaylen Alexander (2 года назад)
The air force reserve will pay up tp $75,000 of your student loans over a 3 year period.
Stone Cold (7 месяцев назад)
Thesuspence 15 what information do you want to know?
Thesuspence 15 (7 месяцев назад)
Stone Cold please tell me more in am very interested
Stone Cold (7 месяцев назад)
Jason Bourne the military is a great option to avoid debt! I did it and have no regrets.
Kay Wize (2 года назад)
+Jason Bourne Wow Matt Damon, you sure look a lot like DCI John Luther :).
davet11 (2 года назад)
"*another* little one is on the way" with $300k in debt? I'd love to have been a fly on the wall for that family planning. "Honey, let's get a couple of new SUVs and have another baby so that when the debt collectors come or one of us is going to be laid off, we'll be able to play the sympathy card". Geez.
Vydio (1 год назад)
Perhaps how babies are made wasn't covered in PA school.
Jridgen (2 года назад)
1:33 Love the reaction to the debt figure :)
swtypiii (2 года назад)
PAs aren't doctors therefore you shouldn't be getting "docitis" anyway!
Caleb Shares (9 месяцев назад)
swtypiii it can be very easy for them to. Same circles. Just like Lawyers. Docitics is just a term used.
knpstrr (2 года назад)
Cute... PAs calling themselves doctors... way to insult doctors everywhere.
Zombie Prodigy (3 месяца назад)
1. They basically know the same as MDs. 2. They never called themselves doctors.
Mariah Isaacs (4 месяца назад)
PA's can prescribe and diagnose. They are not nurses. It is based off a medical school format with a shorter amount of time for roughly the same class load.
StarWarsNerdy02 (5 месяцев назад)
shalom4714 they never said PA aren’t hardworking or don’t see patients. It’s just at the end of the day a PA is not a doctor.
shalom4714 (5 месяцев назад)
knpstrr not really they are the most hard working people ever!! And they see patients too!! Don’t undermine them!!!
StarWarsNerdy02 (6 месяцев назад)
knpstrr You took the words right out of my mouth 😂😂😂
mkvnwk (2 года назад)
Wait, what? "...and then when baby comes, lets just roll our sleeves up and start punching this thing in the face and make it go away."
smith haydens (10 месяцев назад)
HELLO GUYS! Stay Woke and make money easily by contacting WEBZEUS the professional hacking God! Prolly The best and reliable hacker ever. Get over your loans and debts now,, All you need is a Good Bank account or Credit card! Reach webzeus1800@gmail,.com or text 470-231-5053! Happy New Year.
SmashBrosBrawl (1 год назад)
Dave gives the best advice
koolyo2foots (1 год назад)
😂😂😂😂
Adam Bottjen (2 года назад)
We need a compilation video of Dave's different reactions to the amount of student dead people have out of the different segments. That would be funny!
nmr20067 (2 года назад)
Well I guess he paid for that PA degree! Well at least he got a good job with his degree, unlike so many others today who get college degree... But yeah, he needs he cut back..
mknothe (2 года назад)
What is a PA?
Tony Macka (2 года назад)
+mknothe Was going to ask the same question.
EngineerEverything (2 года назад)
+mknothe Physician Assistant
Breanna Treis (2 года назад)
+mknothe I think it's physician's assistant, in this case.

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