It's Monday and this is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey Personality, Anthony O'Neill.

Dave, our question comes from Deidre in Tennessee.

My husband and I had $16,000 in student loans when he graduated two years ago.

And now we only have $8,000 left.

I love it.

We have been paying even during the moratorium to pay down the principal. So we are ahead of payments by quite a bit. Awesome.

We are reading in the news that Congress might write off $10,000 of everyone's student loan debt.

Should we keep paying to take advantage of the no interest at this time or stop

paying and wait to see what they will do? If you're going to wait to see if the Congress is going

to do something, you are going to be disappointed. I'm not saying 100% guarantee it won't happen,

but here's the thing. In my history,

I've never seen it. So if I was in your shoes, I'm paying it off. I'm not stopping. I'm not

waiting for the Congress. Yeah. If you wait on Washington to fix your life, your life's always going to

suck. This is a good rule. So I don't know what's going to happen with this. I mean, I have no

idea. There's no way of knowing. I was pretty sure a few months ago, but the political climate

has shifted and the power structure has shifted. And so it's possible that they run this through. I

don't know. I never dreamed I would see it in my lifetime, but I've

seen a whole lot of stuff in my lifetime. I never dreamed I would see in my lifetime. Right.

So I don't, if I were in your shears, I agree. Because I'm not going to wait to fix my life

on Washington to save me.

Right.

...