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

Josiah in Tulsa, Oklahoma starts off this hour.

Hey, Josiah, what's up?

Hey, Dave, good to talk to you.

You too, ma.

So my question is, I am currently a resident physician in family medicine here in Tulsa.

I have a total debt of just shy of about 430,415 of that being student loans.

Good Lord.

Yeah.

But where I sit now, I have one source already of loaner payment coming in through the Army

Reserves.

That can total amount of $250,000, and it's split up into incre increments of 40,000 per year. I'm also looking

into an employment option through the state of Oklahoma and through this employer that has 200,000

in loaner payment over four-year periods, so 50,000 per year. So my question is, is currently in

Baby Step 2, how would I go about that fitting into the baby steps if someone

is the majority will be paying off these loans? Should I pile up cash in the meantime while I'm

going through those phases and set it aside in case anything happens? Let's say you get both of

these deals. Do they stack? Meaning that you're going to get the whole thing paid off.

Correct. Yeah. So it would be double dipping, as I call it in a sense. So there's separate

entities. One would be coming from the Army Reserve. The other one would be coming from this

program, this statewide program. Yeah, you won't be able to finish the Army Reserve because

the total is more than you need.

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