If your private student loans are in default, you're not out of options.

Go to yrefi.com slash Ramsey.

Today's question comes from Molly in Minnesota.

Molly writes, my partner and I bought a house together, but I'm the one who made the down payment.

I can already tell you we got a problem.

He shares the monthly payment expense,

but hasn't said anything about paying me back for half the money I put down. Okay. Should I ask him

to take out a he-law? Just, Molly, no. Y'all break up. Just break up and sell the house and move on.

Should I ask him to take out a helock and pay it off to pay me back for his half of the down payment? You know, what's interesting is, is this is the actual first time I've seen the proper use of the word partner. Oh, like, like my... This is like a business partner. Yeah, and he owes me money. Oh, by the way, I'll sleep with it.

On the building I bought.

Yeah, yeah, yeah.

No, you're, well, you've got number one, don't take off a helock. This is, you're like, you're trying to punish him. Don't do that. Um, because y'all bought a house together. and so you telling him to take out of HELOC that he has to pay back

actually puts your house at

risk don't do that that's silly the bigger issue here is you all have some major fractures in your

relationship and um you'll need to address those on the front end you should have addressed them

before you entered into a legal binding contract um called the purchase of a house together but

y'all already

here.

Yeah, y'all got big issues.

I don't even know where to start with this, Dave, other than just to say, don't do that.

Can I pull the pen and throw the grenade?

Yeah.

...