How Do I Pay Off Debt While Struggling With Addiction?

The Ramsey Show Highlights

Ramsey Network

Business, Investing, Education, Self-improvement

4.5 • 839 Ratings

🗓️ 14 September 2025

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	Brought to you by the Every Dollar app. Start budgeting for free today.
0:06.0	I'm 24. I live in North Carolina. I'm about 151K in debt. I currently work at full-time,
0:18.0	working, sorry, making about $32 an hour. I commute to work and back from work about
0:28.2	two hours every day. Why? And I am. That's weird. I have an agreement with my father that I can live at home completely for free.
0:43.5	Where I work down there, I would be losing quite a bit of money to pay off my debt if I were to live down there instead.
0:52.4	So I take the time to commute.
0:55.8	What's this $150,000 in debt, brother?
0:59.1	So probably two-thirds of that is a parent-plus loan.
1:05.9	I made an agreement with my dad before anything was taken to take the debt out and that I would pay
1:13.7	him back in full for that.
1:16.0	And the rest of it is my student loans.
1:18.7	So it's all student loans?
1:22.5	I take that back.
1:23.4	About 4,000 of it is car loan.
1:25.0	Okay.
1:25.9	All right.
1:27.0	And you had originally promised when it was all done to pay the Parent Plus loan, so morally
1:32.0	that is yours.
1:32.8	I got that.
1:34.2	And good for you.
1:36.3	So what's your degree in?
1:39.5	Yeah, so one thing I'm a little embarrassed by is that I went for a software engineering degree out of state,
	...

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