This is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey personality, Rachel Cruz.

Holly's in Lexington, Kentucky.

Hey, Holly, welcome to the Ramsey show.

Hi, Damon, Rachel. Thank you for taking my call.

Sure. What's up? So my husband and I just got married about a month ago, and we have in total $140,000 in

student loan debt. We created this plan that we're really excited about. It is kind of drastic,

though, and my mom is just really worried that we're really excited about. It is kind of drastic, though.

And my mom is just really worried that we aren't working too much and we're not spending enough time to really cherish their first year marriage.

So, yeah, I don't know.

I just, it kind of made us second guess our plan and feel like we'll regret it one day,

working too much our first year.

So what's the plan, Holly?

What are the hours?

How fast will you pay this off?

Kind of like give me the rundown.

Yeah.

So I'm a nurse and I just quit my regular nursing job and switched to a local travel nursing job

and it quadrupled my pay. So I'm making about $10,000 a month after taxes with that. And then I'm

also a nurse practitioner school. And so that's, I'm in clinical like two days a week, eight hours a day. And then I'm also teaching so that's I'm in clinical like two days a week eight hours a day and then I'm also teaching so that my school's free

so I'll be working around like 70 hours a week and my husband's a physical therapist and he brings in about

$4,000 a month after taxes and our plan is to pay off $4,000 a month after taxes.

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