I'm 40 And Landed Myself Into $300,000 Of Debt
The Ramsey Show Highlights
Ramsey Network
4.5 • 840 Ratings
🗓️ 23 March 2026
⏱️ 8 minutes
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| 0:00.0 | Brought to you by the Every Dollar app. Start budgeting for free today. |
| 0:06.0 | We've read your books, we follow your plan. However, I made some errors when I went back to school to obtain a degree and landed myself in almost $300,000 of students' debt. |
| 0:25.4 | Ouch. |
| 0:26.6 | Are you a doctor or a lawyer? |
| 0:29.6 | I'm here. |
| 0:30.4 | Neither, unfortunately. |
| 0:32.5 | What are you? |
| 0:33.3 | What degree did you get? |
| 0:35.5 | I'm a social worker. |
| 0:37.6 | For 300 grand. What do you get? I'm a social worker. For 300 grand. |
| 0:38.9 | What do you make? |
| 0:41.1 | Not nearly that. |
| 0:43.8 | My plan had been to, and this is what I was encouraged to do by my professors, |
| 0:50.1 | was to work for the government and do 10 years of working, you know, in a nonprofit sector, |
| 0:59.0 | but that hasn't worked out. |
| 1:01.0 | So here I find myself and we are calling for guidance. |
| 1:06.0 | Yeah. |
| 1:07.0 | What do you make now? What's your household income between you and Darren? |
| 1:10.0 | Well, at the moment I'm not working, we have a six-month-old. |
| 1:13.2 | Mm-hmm. |
| 1:14.9 | And Darren brings in gross 107, right? |
| 1:20.8 | It's the entire year? |
... |
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