Say hello to the next generation of Zendesk AI agents, built to deliver resolutions for everyone. Loved by over 10,000 companies, Zendesk AI agents easily deploy in minutes to resolve 30% of interactions instantly. That's the Zendesk AI effect. Find out more at Zendesk.com. To watch episodes of Financial Audit a week earlier, check us out on YouTube. How do you not know that? When from $15,000 to $30,000, how do you know that's not double? And you see there and you're sitting there and you're looking at 30,000

hours and you thought it was the whole time? You didn't think that doubled? You didn't know

what your balance was when you first got it? What do you mean? How'd you not know who's doubled? It's double the number.

Hi, I'm Holly.

I'm 26 years old.

I live in Austin, Texas, and this is the financial audit.

The financial audit.

What do you do? Hi, I'm Holly. I'm 26 years old. I live in Austin, Texas, and this is the financial audit.

The financial audit. What do you do here in Austin for a living?

I'm an admin. I'm opt support. So not really secretarial duties, more like background stuff.

So broad. But okay, what do you? I work for a staffing agency. Okay, what do you make? You guys always spam my emails. It's crazy. Yes. Yeah. What do you make? I make about 48, 49 a year. How do you feel living on Austin in that? Is it a single household income? Yeah. Single household. I mean, it doesn't feel great, but that's, I think, mostly due to my student loans. I think I would be doing a lot better in life if I did not have student loans. Really? Yeah. Oh, yeah. I didn't graduate, so I can't consolidate them. So the payments were about $600. What do you mean you can't consolidate them? If you went to a private institution, that would probably allow you to consolidate them. No, if you go to a private bank. Oh. What? Private bank.

Oh. Not that that would be good anyway, because you lose forgiveness protections and different things like that.

But not that you can't consolidate them, but you're talking potentially within the institution you're a part of for your federal loans right the management company no no not the federal the private the private loans i can't

private loans i'll yeah i'll be honest i don't even know what's going well consolidation i mean you could private student loans

they're discover do i did you even send a statement for that? Did I get there? Yeah, I sent in Discover.

I thought I saw federal student loans. I sent in my Discover statements. For one of them. It's that first one. It's that first mark. Discover sold it to first mark. This one. Like last month. Oh, I thought this was a car because it's so substantial. Nope. Nope. I don't own a car. I drive my brothers

Do you live with your brother

No I don't own a car.

I drive my brothers. Do you live with your brother? No, I don't. I used to. So when I moved here, I lived with my brother on his couch for like six months. Why don't you? Well, okay, I'm not saying sleep on his couch, but are you live alone? I do. Yeah. I live in a really small street. You can't live because of the... What's your end?

I think it's 1080 with. Why don't you get a roommate? So I had a roommate at my last place and it was like the worst experience of my entire life. Cool, get a better roommate. So, I mean, I agree. I just, I don't know anyone to live with. You know your brother? I do know my brother, but he has a girlfriend. He doesn't want to live together? Yeah, he has a girlfriend. They live together.

They both work remotely, so they live in like a three-bedroom house. Yeah. Well, okay. I don't know what those two correlations are, but okay. I mean, that's not the most outrageous. And I know you actually live in a good area relatively, you know, close to town. So I'm in smart housing. Huh? I'm in smart housing. Oh, I thought I heard you say that. I thought she said small housing. Oh, yeah. No, no. I'm in smart. That's how I was able to do it. It's like local subsidized. Mm-hmm. Okay.

Yeah.

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