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shay is whether she is in Daytona hi shay Merry Christmas

hi Merry Christmas

Good how can we help

Hi um so just to cut right to the chase

I just took out my first student loan ever. Super nerve-wracking.

It's for my master's in social work, and it's about $45,000. That's without the interest. So I'm

just trying to figure out what's a great path to start on that, like how to tackle it super

fast, because I don't want to be with this yet for like 10 years.

You just took out your first loan for a semester or you just finished a degree program and you have $45,000 in the hole?

No, so it's like $6,000 a semester, but they just gave it all to me at once.

So it's $45,000 is what they gave me at once.

Who's they? I've never heard of that ever.

It's financial aid, FASSA.

So they just cut you a check and deposit it for $45,000?

Well, not into my bank. It goes directly to my school. And then

they start paying it that way. So it's already given to my school and my school just takes it out.

Okay. So you're starting your master's and you just finance the whole thing. Well, Dave,

I bet what's happened is I bet they have, you've been approved for the

entire program. I bet they don't have a check for 40, I bet your university doesn't have a check

for $45,000 because they wouldn't prepay like that. Because you could quit, you can drop out,

it could be a whole thing. But my guess is you were approved for the program and the school

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