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

Go to whyrefi.com slash Ramsey.

In January, when I put all my debts down on paper, a total of 10 credit cards and two vehicle payments, two vehicle notes.

I was around $90,000 in debt.

I've brought that down to 65-5 in the past 10 months.

Good. Awesome. I cut up seven of the 10 credit cards. There's three that are still open and I have

a balance on them. And then the two vehicles are the majority of that balance. Okay. So my question

is, anytime I've got an extra income, I've put it towards the debt snowball.

I'm trying to get out of baby step two as fast as possible.

I have a unique situation and I have my stepson is 19.

Our child is nine.

Back in 2019, I had a little bit of extra income.

I put it into a 529 account for both of them, about $4,000 each.

That has gone up when my 19-year-old graduated high school in 2024.

He went to a local community college totaling about $3,000 for both semesters, which is very affordable.

After the semester ended last year, he came to us, said, I'm not interested in college.

I don't want to go.

So I was told the people that would manage the 529 account, I can just roll his amount into my younger son's amount.

My question is between their two 529 account, I can just roll his amount into my younger son's amount. My question is between their two $529 accounts, about $11,500.

I have roughly eight to nine years before my youngest even will go to college.

I know I get penalized for taking money out of the 529 account for you if I'm not using

it for school. Is it worth it taking that money out now, getting penalized and putting it towards

...