Welcome to the Better Off Bonus Call of the Week. We are sponsored by Betterment, the largest independent online financial advisor.

Now, we're into this first quarter here. You got some New

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Ask Jill at betteroff podcast.com. Ask Jill at better off podcast.com. You got two chances to get on every week.

Tuesdays we drop the bonus call of the week and Thursdays after the interview show

we then have your listener question of the week.

So today we've got Kristen on the line.

She's calling from Florida.

Hello Kristen and welcome to Betteroff.

What can I do for you?

Hi, Jill, thanks so much for talking to me.

I love the podcast.

Fabulous.

What can I do? so I have some fairly significant

educational debt that I have been paying off over the years I don't qualify

for any

kind of uh... repayment assistance so i will be paying back every single

cent that i borrowed

and yes

and i have uh... basically I have two sets of loans and I have a little emergency

fund that I've been working on and because the interest that I'm paying on

...