brought to you by the every dollar app start budgeting for free today mark starts off this hour

in springfield missouri hey mark welcome to the ramsay show hey dave um i got a question i know

how the baby steps work but i'm i've got a little bit of a quandary as to where i need to put

my wife's student loans in this

because she is still in school and not having to pay on them.

So do I put them in because she's got 12 loans.

Do I put them in where they go and slow my snowball down?

Or do I put them at the end and continue my snowball until I get to them?

I'd put them in where they go. She's got 12 of them. So I'd put those in, smallest to largest,

along with your other debts. And you might have one student loan and then a credit card and then

a student loan and then a car payment. And then, you know, it doesn't all have to be by group. And I think sometimes in our minds we want it to be that way, but that's

okay. Just put them in as they go smallest to largest. How much student loan debt is, sir?

It's 58,000. And how much other debt is there?

There's two cars. One is 9,000, and one is 13,000. And the student loans, only one of them is more than the first car. So I'm going to be paying, we're going to be doing like...

11 student loans and then a car.

Yeah, it's 46,000 that I'm not going to

be building what's your household income yeah you won't be building any snowballing because you

don't have any payments on those to cancel out I got you yes that's a good point um so the uh what's

your income the household income is 170,000 And when does she graduate? She'll graduate. She's doing

part-time schooling, so she's got, I think, six semesters left, and we can have both of the cars

paid off before that. Are they subsidized or are they unsubsidized?

She's got two that are getting taxes, they're not taxes, interest, and the rest of them aren't.

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