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

Joining me today is Ramsey Personality, Christy Wright.

All right, Joanna is with us.

Joanna is with us in Philadelphia.

Hi, Joanna.

Welcome to the Ramsey Show.

Hi, thank you for having me. Sure. I graduated college last year, and my student loan payments

begin in March of next year. I'm responsible for paying back my student loan debt as well as the

parent-plus loans that I took

out under my mother's name, which is about a total of $72,000.

My brother suggested that I look into the resources that you offer.

And I'm basically just trying to figure out how to go about paying both loans at the same time

while keeping up with my financial responsibilities

and getting paid a salary of $32,000 a year.

Well, that last number makes it tough, doesn't it?

Yes.

Yeah.

So what do you do?

I work as an appeals clerk for a federal government agency. I gave Pete about 17 an hour. I have good benefits for 1K and all that stuff.

Okay. And what's your degree in?

I graduated with a degree in communication arts and digital filmmaking.

Okay. So you're not working in your field?

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