You Can’t Control the Past, But You CAN Control the Path Forward

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 18 November 2025

⏱️ 128 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	Brought to you by the every dollar app. Start budgeting for free today.
0:14.6	Normal is broken. Common sense is weird, so we're here to help you transform your life from the Ramsey Network in the Fairwinds Credit Union Studio.
0:24.5	This is the Ramsey Show, AAA 825.
0:28.8	5-225 is the phone number alongside Jade Warshaw.
0:32.1	I'm Ken Coleman, excited to have you with us.
0:34.2	Tracy starts us off in Dallas, Texas.
0:36.5	Tracy, how can we help?
0:43.2	Hi. So I got my bachelor's degree,
0:50.5	and my mom kind of handled all the finances in the house growing up. So I knew I had student loans eventually coming out at college, but she kind of handled all that. And I guess my question
0:54.9	in that is, is it ever, I guess, an okay choice to just choose to default on student loans when they
1:02.5	just become very overwhelming? No. If you were 88 and on death's door, I might say yes, if you had no money, but you sound
1:14.3	young and it seems like there's a lot of life ahead of you to try to make this happen. So tell us,
1:18.3	tell us what has you feeling this hopeless. So when I graduated, and once I kind of finally saw that number after a while, my student
1:31.6	loans end up being a little bit under $140,000.
1:35.5	Okay.
1:36.7	They had been, my mom refinanced and reconsolidated them, so it's a private student loan, too.
1:43.5	Good.
1:43.8	So it, it, it, uh, it, uh, it just
1:48.5	feels like it just feels like they're never really going to get paid off. I paid it down to
1:55.0	106 at this point. Uh huh. Um, but it just, it's just very draining. Like, it just feels very overwhelming.
2:02.5	How long has it taken you to get it from 140 to 106?
2:06.6	So I graduated in 2016.
	...

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