$420,000 in Student Loan Debt and Living With My Parents

The Ramsey Show Highlights

Ramsey Network

Business, Education, Investing, Self-improvement

4.5 • 839 Ratings

🗓️ 29 January 2026

⏱️ 8 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	If your private student loans are in default, you're not out of options. Go to whyrefi.com
0:08.1	slash Ramsey. My husband and I found ourselves in sort of a unique situation last year. He had just
0:13.4	graduated from dental school and we moved to a small town in South Carolina where he worked as an
0:19.2	associate dentist at a practice that essentially was committing
0:22.8	insurance fraud, drilling on things that didn't need to be done. So after about a month or two there,
0:28.3	we reassessed our options and realized the best bet was to move back to Chicago where I'm from
0:35.0	to live with my parents while we finished out our lease on our
0:38.6	townhome there. So the original goal when moving here was to try to pay off as much as
0:45.6	our student loans as possible. I'm a physical therapist. He's a dentist. We both combined
0:50.0	have about 600,000 student loans.. Wow. Over the past year.
0:54.7	Wow.
0:55.8	Oh my gosh.
0:57.2	Okay.
0:58.6	Okay.
0:58.9	So over the past year, we were able to pay off, I think moving here, I think I
1:04.9	had approximately 140,000 in student loans.
1:08.5	We were able to kind of wipe that out.
1:10.5	So now it's been a year living here.
1:12.3	We've been with my parents.
1:14.0	He still has his $420,000 in student loans.
1:18.3	And so I guess the next step, like I'm just calling in trying to get some wisdom on, you know,
1:23.4	we've stayed.
	...

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