This makes me so sad. Money just ruins everything.

Same here! I was in Dental school working my tail off. I failed twice and was dismissed.

Makes my 9k in debt look like a joke. I plan to pay it off in 8 months. Two RN jobs now, rice and beans

This is so incredibly sad.

So sorry RynRynRain, I didn't match the first time around so faced the very real seemingly impossible situation that you and the guy in the video are going through. Hope you find a way through.

Lisa B tuition has grown exponentially since then too so I can just imagine those not on full scholarship affording school and that’s the point it becomes a lifelong burden

YES

@Lisa B That is incredible awesome job!!! you were able to build a prosperous life for yourself without all the sacrifice and massive debt burden that comes with becoming a Dr. I wish your family many more blessings.

I dont buy this guys story

@Lisa B, you sound a lot wiser than most millennial women out there. Kudos.

I hear Vietnam is a nice place to live...

One of the quiet stressors of Med School. We used to joke that each test was just another “career ending exam.”

K Black totally agree with you about this call 😞

and where dave really didn't have a decent solution for him!

Stacie Pihonak he really didn’t🧐 just vague platitudes.

@Bella Femme thought the same thing. I've been grabbing the tissues. Hope he has family or friends that could help him and he starts doing a lot of side jobs to at least get something in his pocket. Heartbreaking. Definitely praying for him.

Me too 😞

@SeasonedGamer That's SAD!

Yeah its truly a shame. These guys have good intentions to get an education, be independent and contribute to the economy. A first world country where kids go broke because of getting an education

I feel bad for him but he should have grabbed an understanding that a medical degree would recall retaining knowledge because no one wants a doctor in real life that can't be able to recall basic information without a textbook and use critical thinking to be together. This is planning and understanding weakness and strengths. Again, my heart aches but this is an example of knowing your strengths and weaknesses and attacking it.

Thank "God" that education is free where I live

Not really. EDUCATED and BROKE. Look on the bright side though. I might be broke but hey at least I am educated. When people ask me why I am homeless, I can dish out an educated speech.

I have never understood why there are so many things in this country that are designed to punish those who are actively trying to improve their life and contribute to society. You're telling me there's NOTHING this man has to offer after all of the schooling he's received? At this point he's more educated than 95% of the population and it's all worth basically nothing to him because he doesn't test well. Truly a shame. I rarely feel bad for people who call into this show, but this one really got me.

Nah, something else is up here because if he didn't flunk out in his first 2 years, it's really odd to not be able to pass your boards.

Let him be your doctor and let’s see how it goes.

@@TedJesusCChua I'd let him be my family doctor; I'm not kidding, all I really do there is get the most basic of physical exams and blood tests, and the go ahead for prescriptions that I've used for years. If something is serious enough for me, I'd just go to urgent or emergency care.

The medical field is rigorous field. I used to see my sister go days without sleeping because she would be up all night studying, go straight to school in the morning, come back home take a nap, and then go back to school or work. She repeated that for years. The people who study medicine have the peoples lives in their hand so if you can't cut it in school they're not gonna let you become a doctor. Its crazy stuff.

"for all the right reasons"? SMH

If he can't afford it $430,000 loans are not the answer. I grew up poor couldn't afford college, I joined the Military for them to pay for it. He did not do it for the right reason. He gambled and lost now time to pay the pipper.

@@thebustosfamily just because you grow up poor doesn’t mean the military should be the ONLY option. Just like college the military isn’t for everyone. If you force the poor to join the armed services that’s forced conscription based on class. Higher education should not be just for those that can pay. If you do the work get the grades pass every test then you have proven yourself worthy of higher education. The guy that’s poor and gets straight As has proven mor than the guy that barley shows up, skates by with a D average and still gets to go to college because his parents can pay.

@@johne540 I never said the poor should join the Military. I said "I did" he did not so now he has to pay the bill. We all make our choices and have to pay the consequences.

@@thebustosfamily blame the system, not the people. There exist much better systems in various different countries

@@peters5090 that is a really hateful thing to say

Agreed. This isn't working out for him. He should move to a cheaper country and live there.

@@peters5090 😔 evil!

NihilarV he has a degree. He is a school biology teacher. He just did not pass medical school.

This country is lost anyways

Holy cow man. That's incredible. Congrats!

I'm so proud of you even though I don't know you.

@Momo doctors have it that much better ??

How long have you been in trucking?

Me too! Well, I finished pharmacy tech school but I don't do that. Still only a couple years into living on the road but I'm saving so much money I started doing research on how I should be investing my money and planning to buy a house. 😅

That how you know how bad the situation is

He only had one under grad program that can transfer to RN school he would still need to take loans to do the rest. This poor man 😢

@@bellabella7899 with ABSN they accept any degree. my friend had a bachelor's in History and was able to do a one year bachelor's degree in nursing. yes he'll have to go into 10-15k more debt to get his degree but at least then he'll be making good money. with nursing you can work as much as you want. I actually don't feel sorry for him at all. make lemonade, man 🍋

I swear i was thinking the same thing. Its like he ignoring AND underestimating what nursing can do.

Exactly. But sounds like he’s too good to become “just” a nurse. His ego is bigger than his student loan

Leila Adams yeah, I noticed he jumped over that suggestion. He could do a community college route for cheap if he had to go low cost.

Yet they want quality healthcare 😂🤣😂🤣

I went through a Physical therapist assistant program and it was absolutely awful Medical school sounds like a big mess. As much as it takes, doctors hardly know anything about nutrition or exercise

@@benjaminknotts745 somehow I believe you

I dont. He was the fool that racked up $430000 in student debt.

You gotta use a life to save a life. This is why most people don't become doctors it's basically a life time commitment which many of us can't do so early in our lives.

Accumulate churching debt before you are 21, become a depressed raging alcoholic after 21.

Africa by Toto 2 y r u blaming the school system? Nothing wrong with the price of college being six figures

@@suitedbastard3406 what's the solution?

@@andy_182 are you being sarcastic? You must know that their rates are only a result of oligopoly and advertised nepotism, which is artificially inflating them.

Free College... just saying, I know not one friend of mine who is in debt, whats wrong in America?! I am from Germany btw. study over here

Well if you don’t flunk out you will be replaced with machine or mid-level provider. Salary and Job Growth for Physicians is on the decline.

Filmon Tewolde That is HIGHLY dependent on your specialization.

MelaninDoc MD Nope it is targeting all Physicians. Hospital C.E.Os and Board of directors are trying to find cheaper alternatives, so they can increase there Bonuses.

Ok? Good for you.

By God’s grace, it will not be you.

Amen 🙏🏼 I feel sorry for him too, his voice sounds in so much anguish, may God have mercy on him and help him come out of this mess

Yes

Pray for him.

Yeah. His best is to go into research.

@@alp.9672 no way he seems calmer than most in his situation. Sad irony, is that suicide and burn out is a high rate in that field, or so I heard.

What if he just didn't pay his loans - what is the worst that will happen to him?

Paul at PMSHomes When he works, his wages will be garnished, some jobs check your credit history, even if he filed bankruptcy, his student loans still has to be paid...

Bohooo

He should get out of America, just run from the debt since he will never be able to pay it off. Just start over somewhere else.

Yes. I'd leave the country. He doesn't owe grandma half a million, he owes billion dollar companies who spend that much in office supplies.

he's tying a noose as he's talking

someone start a gofundme page for this man

Yes, good money but I did it and just about died of boredom.

You gotta be a hot chick to do that, bruh

Yeah that or biotech or something in that arena. A lot of startups too looking at stuff like genetics, fertility, etc... many options today.

U made a great decision ....

Me too, I went into engineering

Yep. I graduate next summer with a biology degree and I’ve already completely shifted gears away from Med School. Going for PA, RN, or NP now

Even going into a 3-4 year engineering degree I was terrified at the prospect of failing and wasting all that time and money. And that is in the UK where I was borrowing paying 3k a year tuition (plus living costs 6-7k per year total) and the student load system is a lot less predatory. I cant imagine the stress American medical students have, spending all those years and getting into unfathomable debt with the prospect fo it all just ending at nothing.

@Dave 1977 Pharmacy Reps are not Pharm. D's

What knowledge? He failed out.

Trust me guys, he has plenty of pharmaceutical knowledge. Not to mention he has a lot of physiologic and pathophysiologic knowledge. Most Pharmacy reps have a business degree. Sincerely, a doctor

Yep Great RX Rep can easily make 6 figures just like Dave said

I agree this is what my sister is doing and she's making 60k plus per year

Amen 🙏🏼

Amen. For strength and wisdom that God opens new paths

Well god is Not going to help. He has to Take measures into His own hands.

Denckler Podcast i think she was referring to having peace while going through this

Yes, you can hear the distress in his voice 😥

Did it work? What does he do in other country

He most likely taught english.That's what I did twenty years ago I tell I made my payments the first thirteen years. Then there was illness, Covid, unemployment Thank god I found another teaching in the country I stayed in I start in august. If all goes well I should have my loans paid off in twenty nine months. I've been acquiring interest the last four months. It's about a thousand dollars I might owe two thousand and interest Try the time I start working I'm going to set try to save some money to pay off the interest as soon as possible If I make two payments, I can finish it off

uh what major?

That was just stupid. Princeton has the prestige, you can basically get a job anywhere based on going to Princeton and not only that you make better connections in a school like Princeton.

@@maybeiam3367 Trust me I made the right choice

@@lgmarquez5469 yes you did!

MJM Petroleum Engineering with a minor in computer science.

M. Burns Jesus. That’s horrible. I feel the angst on his voice. God help him.

Same here. I am so sad for this man.

its med school.

do you think they care about students ? its a business for them

90% of student debt goes for lifestyle expenses...not for education.

@@joshualaughlin2385 in EU its $500 a sem

@@AaronHollander314 Thats not true. Look up tuition and cost of attendance breakdowns for medical and dental programs. Tuition usually accounts for 60%

This is a great option.

I really hope that he sees this if he wasn’t able to get the help he needed, thank you for writing

I was thinking the same thing when I heard his story. PSLF would be a great option.

This is a reason why the comment section is so useful.

Why is that do you think?

@@Zordiak because it is the truth. I have many student friends who tried to take loans of 200k for a home investment and they were denied. And I have my broke student friends who the bank lent them over 500k for student loans

@@Zordiak because it’s bankrupt proof

Ridiculous considering the home loan gets you an actual asset so your net worth isn’t actually changed. These student loans are the main cause of negative net worth nationwide.

You can't blame the banks. You should be at least smart enough to realize you're not cut out for it at some point

He's a loser.

I really hope he is ok. What this probably does to him mentally. Praying 🙏

Subscribe me back

CaN you not retake the exam???

@@JayP-vh9wc He said he failed twice and that was the end...so sad. I hate standardized tests anyway. There must be tutors you can get to help you learn how to take these tests. Poor guy.

@@JayP-vh9wc If your patient dies - you don't get a do over.

@@AWesker1976 fair enough, but these are students a just a tiny bit of leeway should be given. a second attempt and you are out type of thing.

Exactly, the entire lead up is a joke. The school didn’t do right with him, how do you pass their classes and then fail their subjective end test? He’s using the knowledge THEY taught and said he did well in! Says more about THEM than anything else. He showed competence by passing their courses.

Yeah don't those pay like six figures?

@@tacticalcrusader3709 It's sales. You reap what you sow.

But make it and you’ll easily pay it back and then some.

Rodrell Green the average is around 200k for medical school

@Rodrell Green 80K out of 430k was for undergrad. It's not 430k for Med school.

It should be against the law to charge that much for education. So let me get this right....When you think about it, you have to pay extreme fees for "YOU" to sit in class, you to study all night long, you to miss sleep, you to not eat very well while in school/ be a broke and starving student, you to do home work, you to take test and midterm/ final exams ect? Wow...why charge so much!? Land of the free...I wonder if this guy would call it "free" when he is struggling to pay 430k to exhibit his own brain power? I wonder why Ramsey didnt inform him about the many loan forgiveness and discharge programs that are available to health care providers (medical staff), and Public Service loan forgiveness PSLF, and so many more not to mention the income based repayment plans? Maybe because many people consider them socialist programs and they equate socialism to some evil deed. I like Ramsey but I question why he did not advise this man to these programs. I didnt hear any real advise other than asking him if he could become a nurse and earn a higher salary versus a teaching job. ?????

It’s completely insane that he was even allowed to borrow so much in the first place. No one would have ever authorized that much for a mortgage, and a home is far more tangible than a degree.

My uncle became a certified financial planner as a side job during he was in med school. He finished paying off his debt when my oldest cousin started college.

Kamran Kambang lol I know right. I’m going into travel nursing next month to pay the rest of my $18,000 off in 4.5 months. Thank god for those options.

If you are worried about 20k in debt then you really have some problems.

@@JediOfTheRepublic some of us is jot born in a country where 50k is the average pay. I'm only making 40k annually and I'm quite happy I manage to pay off 22k debt a year.

I just dropped 10k on a $32,000 loan 2 weeks ago and was complaining. I don't feel so bad now. I'll likely be out of debt in 2 or 3 years. This guy will likely die with his debt.

andrea20k you and that other guy are smart you chose the right school not like idiots that go to big name school and get the debt

Ah, something like that would be good

but that's more debt..

@@yoleeisbored, that debt is pocket change compare to 200k salary.

Easier said than done. CRNA school is equally as hard as med school

@@JohnRodriguez-xi5wt, that's true

Me too

Yeah, he needs a fresh start

id leave the face of the earth

Literally wont help. I had friend move to germany after college and sallie mae still found him

@@heathj7794 Did Sallie Mae garnish his German wages?

Provably the best advice for this situation so far!!

I know you're not joking. We feel his pain.

How does this work legally? Can debt collectors still come after you if you’re in a different country?

@@SaifAli-kq9bv No they can't come after you for debt if you're in a different country. But if he's 430k in debt I doubt he can afford to move anywhere.

American Capitalism ruins yet another life.

Who do you want to pay for his failure? The tax payer?

@rsafree the educational system should be on the hook. If he couldn't pass it and they taught him then it's their problem.

​@@rsafree1139the banks that we bailed out in 2008

@@ILovePancakes24thats dumb on so many levels. 430K is even dumber but giving free professional education isnt realistic either

I don't think that would be a good idea. It punishes the ones who passed. Really, I think universities are charging way too much to begin with and letting students continue to get loans at insame amounts. There should be a limit.

If you dont mind my asking how many tries did it take you? I failed a board as well but not for nursing.

Hey lizitis I am a RN too and took my boards twice! I feel u sis it was tough

I got a tip, vote.

Captain Buggy and how will that change his situation even in the slightest?

@@KindaRustySocks24 That's like asking how does replacing your engine in your car change anything.

Captain Buggy I’m talking about James specific financial situation. He can go ahead and vote but that won’t change his debt.

@@KindaRustySocks24 if someone like bernie Sanders becomes president then maybe they will let people declare bankruptcy. im for trump though.

Shinel Yes traveling nurses make very money.

Hi Shinel. As a travel nurse I can tell you your expenses are not paid for by the hospital or recruiting company employing you. You receive a tax free stipend as part of your weekly salary and if you choose to take their housing (as opposed to finding your own on airbnb or somewhere else) they will reduce your stipend considerably which often makes it not worth while to travel nurse. It is in your best interest not to have your living expensive covered by the company. But you are 100% correct that you do make twice as much and it's a fantastic career! I love it. Are you in nursing?

It sounds so simple but that would involve having to set the clock back and start all over with pre reqs. From the sounds of it he doesnt have the funds to even take those pre reqs at a community college. I'm pretty sure that the undergrad science course are all expired by now so he can't even use them to apply to the nursing programs. It can be a very discouraging process.

Excellent suggestion - he can get this degree at a community college very cheaply and yes, traveling nurses can make over 100k!

Shinel you just gave me an great idea

There's quite a few people in that boat. I knew a lot of people in my university who triple majored and double minored on top of that. They basically worked their rear ends off to maximize their chances of work after college. Few of them have been able to land jobs within their fields of study. Basically, if you didn't take something related to business, data analysis, or computer science; you're in for a pretty hard time landing work related to your field of study. But Universities tend to advertise every major program as if they are all equally marketable on your resume despite the fact that not all majors are equal. I walked away from my original fields of study when I found out that getting a job in any of them would entail paying for Masters and PhDs before I actually get to start seeing some career opportunities come from all the money and effort that would have to be invested. Hard Pass.

It's a criminal racket.

@@mcsmedia8081 Good on you for walking away. This is an absolute con.

He fails out and you blame the "schooling system"? You want a doctor who can't even pass the classes because you "feel sorry for him"? Yes lets lower standards to zero so everyone wins. So stupid.

JUST TO BE ACCEPTED this guy had to be extremely intelligent I guarantee you he is NOT STUPID. People are so judgmental when they have no idea what it took him to even gain admission!!! He sounds like he got burnt out and deserved an academic leave and then a chance to try again.

Income sensitivity repayment for 10 years, paying next to nothing, and after 10 years as a teacher (his current profession) his student loan debts are forgiven entirely.

Sallent almost nobody gets forgiveness under that. There are so many little caveats and if you have any unapproved breaks in employment or don’t hit all the requirements you have to start the 10 years all over. Only 2% of applicants for PSLF have gotten discharges for it.

He committed suicide

he dead

He bought a one way ticket to Bangkok.

Its been a month. R u doing good? Also, i have a question: how often do cases such as this come up, is it really rare?

I'm applying now and this is also my fear. I should have really stopped listening to not think about it too much, but I couldn't.

Please answer to Soorai

@@orangesandlemons40 No worries because you won't get in if you are here watching youtube

@@orangesandlemons40 don'tdo it man. Do an accelerated b.s.n then nurse practitioner or just go physician assistant.

lies

Kostas aww sad your a good guy are you in debt yourself?

It was very painful listening to this caller; I cried too because I could feel his pain from his voice.

Kostas I know, I wish I could donate the lil money I had to him

Me too.

that's a great idea

Yeah when he's claiming none is transferable I'm skeptical

He may have to retake them because most accelerated/nursing programs don't accept prerequisites thats been more than 10 years. Also accelerated programs cost almost the same as PA programs which will lead to even more debt.

LPN program 1yr. at tech school

Right?! Work in ICU for two years then apply to CRNA school. He already has the science and math classes needed. Then make $200k a year to start

Investing Hustler 😂😂😂😂😂

Investing Hustler 😂 that's on my bucket list

Nothing about that is funny that's a serious situation to be in

@@godseliteforever maybe he can get some credits for his studies and become a doctor somewhere cheaper? Half a million dollars is a lot of dirt with no shovel. Bailing the country isn't so unreal at that point.

The situation isn't funny but changing your id is 😂 I think everyone with student loans can laugh to this

That's the cost of medical school and part of the reason we're short on doctors here in the US

@kl2j3423 Is a bottle of water that much worth it?

I would donate if he had a page set up

i would help him too

can we set up this page please

Me too

A Anon same

Samee

Bro my balls started to hurt hearing this!!!!

Same here lol! I'm having a panic attack for this guy

Actually it helped me feel better about myself, since that guy is really in a difficult position. That’s crushing debt and is honestly a tragedy of our modern society.

Even if he gets into one of those mentioned career, it will take him a life time to pay off his debt. I am a nurse. It costs me $200,000 to get a nursing degree (international student). After tax and living expense, I saved like 1.5-2k a month. It would take me 12 years to pay off 200k. Luckily I don't have to pay anything. He owes 430k. It would take him at least 28 years to pay off his debt. He has to be thrifty for the rest of his life. He he's sick...boom money goes to medical bills. If he's perfectly healthy for the rest of his life, he can pay off his debt at the age of 62-64 or so. That's pretty much at the end of a person's life.

james c Physical therapists don't make much more than Chiropractors

Its a medical school

Thanks for praying, Jud. I am too. There needs to be a lot less judgment in these replies. It's heartbreaking.

Danielle Shank Schools are a business. Wolves in sheep’s clothing

The school gave him three years to complete his third year. Sound like he wasn't improving, they can only try and help him so much. Sounds like he had a mental break down or something. At some point people become a lost cause and liability and you have to cut the cord. This is incredible rare in medical school because there is a great filter to get into the program (unless we are talking about Caribbean med schools, those are high way robbery taking anyone and everyone who will sign the dotted line even if they are grossly unprepared).

Exactly. All my college told me was "well, you're getting an English degree so you'll never find a job." WRONG. Come to find out there are A LOT of high paying professions in writing. They should know this and tell their students to help them take relevant classes.

@Kazuya I wouldn't say wisdom as much as I would say experience.

C. Watson My school said the exact same thing. All my professors did was tell us that writers and English majors would never make more than mid 5 figures at best, and to be prepared to go for months without a paycheck. Even the counselors could only suggest dead end low paying jobs.

Wow, yeah that’s just gut-wrenching. Hope this guy is doing well

Very sad. The pressure of life is crazy.

Arainea CuteBrownNurse the new normal in Trump’s America unfortunately. :( Is it any surprise? His policies have gotten a lot of people like this caller in the mess they are in.

@@costco_pizza as much as I don't like trump i can't fault him for this. I think it's terrible that this person is in this situation and somehow the medial schools need to figure this out way before the end and have an exit plan for people who don't become doctors. I think the situation would be there had Obama or another president

The callers self admitted lack of recall during testing isn't Trump's fault. He started medical school way before Trump ran for office. Personal accountability needs to be applied in this case. He failed because he couldn't recall medical theory not because of Trump's policies. Not everyone is meant to be a DR. and not everyone should be a DR. At the end of day he holds someone's life in his hands...would you want him as your DR?

@@costco_pizza His problems have nothing to do with Trump.

So intelligent that he failed the board multiple times... yeah... ok.

@@LilSebastian_ as if it's easy buddy. Have a good day.

Mason Wagoner Those are really good suggestions.

Agree

I'm guessing that his difficulty with the board is dealing with people in stressful situations. His psyche isn't the best right now (no wonder). Great suggestion, but you've got to get that desperation out of your voice and head.

@@msfsaint He said his difficulty is with knowledge retention.

@C B Not only that but he said he did badly in the biology degree... so yeah.

There are a couple options, but Dave said himself that he isn’t well versed in the career opportunities for the medical field. In all honesty, though, I would have left the country. I’ve got no business being here after that.

@@AeroPiggy true. no way one person without lottery miracles can make though 400K of debt without high paid jobs. Leave is only option.

Thank you so much for saying that! Whoever you are... I wish you ALL the best. @Roy_Thousand

@@deborahjtellesones I hope you pass your bar again but my ex was an attorney who just couldn't make money it in, was doing document review for McDonalds manager salary. I taught her coding and she caught on it. Made solid portfolio and a few years later she makes six figures, and enjoys it. I do very very well, been doing it for a long time. We both work from home too. It is always an option.

Same for NCLEX. We have unlimited tries. Man, I can feel that guy's stress and sorrow seeping out of the screen. What a mess he's in.

I hope you pass the bar!! Good Luck!!!🍀

The California bar is brutal so do not feel discouraged on not passing it the first time, it may take a few times but you will get it!

Nah he found out he had lung cancer and was a broke chemistry teacher..

Lol!!

@uutuber431 nahh lung

Breaking bad part two. So he's going to be paying that for life pretty much at least it dies when he does.

pretty much! failed chemist turned broke teacher ... yeah! Hopefully this guy doesn't get cancer of course though!

American medicine is like that...

Jamarne McGill We need more good doctors/lawyers/dentists so I don’t know that “don’t do it” is the best statement to make lol. Maybe “don’t do it unless you’re fully prepared and understand the risks of what could happen if you don’t pass”

If nobody did it, then we wouldn’t have those people in society. It’s a huge risk, but that’s why you need to be financially smart and mentally stable so you can pass your boards

@Micah Burns It's too late. I'm 26 years old lol. I am too old to start studying medicine, law, or dentistry now. I changed my mind about the medical field back in 2012 when I graduated from High School. Plus, it is hard to find scholarships for those programs too. A lot of these schools out here are downright stingy to the point that you may have to use a substantial amount of student loans.

@@jamarnemcgill1400 You should watch the channel "Medical School Headquarters" they have a series about being pre-med when you're older. Some people don't finish medical school until they're well into their 30's. If it's something you really want to do you should do it, there isn't any sort of age cap

@@jamarnemcgill1400 It's not too late if that's what you want to do. There are students in my medical school class in their 30s.

Yeah .. He tried and got 430k worth of loan and there going to be no better days for him

@John Reagen I understand you can't be a doctor without schooling. My point is A: Not everyone should be a doctor. B: Not everyone CAN be a doctor. "Wanting" something isn't always the best reason to do it. That amount of debt is stupid regardless of career path.

I hope he is better off than 2018. He never deserved this

@@tommasoamorosi4553 He borrowed 430k and can't pay it back. It is entirely his fault, and he deserves this.

Me too, It's been a tough year, I just hope he's doing a lot better.

@@jazzymichael But he never set out to fail.

@@jazzymichael ?? No it’s the school system for being this costly and not being able to guide him. How can u even say that

I hear ya'. Ten years ago I took out $10,000 for school and the whole time I kept thinking, "How am I going to pay this." LOL. I feel ridiculous now hearing all of these stories of people with over $100K in debt from school.

I owed 40k at one point. As of today, I owe $878.59 because I was paying my deferred loans, while going to school. It’ll be done by the summer.

You owe nothing then

@@alysha11226 800 $ dollars? Wow...you're done! Congrats

Tremaine Johnson same here I have $8500 you think $7500 is a nightmare and then you see a guy like this with no shot whatsoever and you just can’t help but feel better.

@Brian Waller Well if you have a job in IT already you're doing objectively better than me lol. Trying to just get my foot in the door in IT but no one is telling me where I can improve and all my interviews I've gotten were bust. The end of this semester I will also have an associate's degree in computer technology with a focus on general networking. It was originally supposed to be an MCSA but my college dropped that starting this year and apparently they don't do a grandfathered in kind of program so I had to switch. Luckily the debt isn't too high yet and I know I will get it paid off but will be a whole lot easier with a career in IT.

@Brian Waller yea that's what I'm learning now. Starting to feel it would have been better money spent on education in something else. I still see all kinds of positions being posted but a lot of those positions are senior positions and I doubt i would pass their qualifications.

Joshua Webb Well said!!

Well, the caller didn't pay half a million dollars from his own pockets, it was a loan, so technically he didn't flush anything down the drain. He can get his life back if the option of deserting to another country is still open.

@Brian Waller I won't pretend to know anything about the IT field, but if you don't mind me asking: if the field is so competitive, then why are you trying to get in when there are other fields that are struggling to find employees? Sure, it might be your passion, but that doesn't guarantee anything. Go where the money is.

Amen

God bless you. Loved your comment

Thank you for the comment. I was praying for him too. May the Lord make a way out for him to be debt free.

Zade Muhammad maybe his plan involves the lord🙄

Your lord seems to have put him into this situation. Now it's going to get him out of it. Seems like "the lord" has a real sick sense of humor.

Amen

It makes me angry and disgusted too

It's just shocking to me that a university would let a student get THAT far into the program before stopping them. Letting someone go a half a million dollars into debt for nothing is criminal. They should have told him along the way to change course.

for a bank, debts equals their capital my friend. there have to be people in massive debts or there is no money to be made. this is basically the fate of ALL who fail college degrees. and the further you deepen yourself into any study, the worse it gets. welcome to the world. and especially America, where the debts go beyond human. so the loaning industry can keep profiting.

The system is not set up to fail a certain percentage of students. There are baseline requirements for everyone to pass.

My daughter went through med school, she said a lot of these people are just hitting the party scene and not concentrating on school...

@@samysamjell3482 He said he has to be smart to get into med school. Not that med school is right for everyone. Learn to read

Exactly!!! The guy has the book smarts. I hope he lands on his feet

you dont need board certification to practice medicine though

And then we import a bunch of foreign doctors, and I know there is no way that most of the foreign doctors I've seen practicing in the U.S. are smart enough to ever pass U.S. medical boards.

And that's not even USD

Your logic is TOTALLY FAULTY. Asian Indians that take out the equiv of $30,000 US dollars in loans (But in Indian rupees) for school major in a computer science or related field or engineering (and aim to get an internship too)-no liberal arts degrees. The expected STARTING salary is $80,000 for undergraduate if you get hired in the US. There are good paying job in India too. I am originally from India. I studied liberal arts. But I did NOT go 30,000 in debt to pay for liberal arts programs like many Americans do.

@Snow 123 Your logic is TOTALLY FAULTY. Asian Indians that take out the equiv of $30,000 US dollars in loans (But in Indian rupees) for school major in a computer science or related field or engineering (and aim to get an internship too)-no liberal arts degrees. I did neither field. The expected STARTING salary is $80,000 for undergraduate if you get hired in the US. There are good paying job in India too. I am originally from India. I studied liberal arts. But I did NOT go 30,000 in debt to pay for liberal arts programs like many Americans do.

The fact that someone somewhere is doing far worst than you isn't a reason not to freak out. You're not on the clear - stay sharp and keep your cool.

Snow 123 actually in Australia it’s 320k aud for medicine for yous it’s 200k usd so yous pay less even with conversion

@Chasing Andrew Jackson It’s exactly what I’m doing now. Except I’m debt free. But I am behind on retirement savings because of losing everything in Hurricane Katrina and having to rebuild my life.

Default User 😂 but he could try

Chasing Andrew Jackson shoot! I’ll do it!

Do CDL drivers really make that much money even if they have their own business?

@@vonksummer9099 It depends on the type of freight being hauled. The oilfield is considered specialized freight compared to hauling food & dry goods.

Rachel Cilia Not so much embarrassment in 40-50 years when everything they have taught is outdated and proven to be wrong... The fda just approved a new marijuana drug..after millions of lives and billions of dollars were lost over the last 75 or so years.. but now they can make money of it, so its the greatest thing since sliced bread.

He didn't go to residency. James couldn't earn his MD which precedes residency. Still Poor guy.

@@crimansizers5840 You're right! So he spent 4 years in medical school and then couldn't pass boards which would allow him to start residency. Sad.

Rachel Cilia there are multiple “steps” to their boards. He didn’t even get to year 3-4 of medical school by the sound of it since he was dismissed from the program. He probably failed step 1 which happens in year 2

@@mullner88 Oh that makes sense. I didn't think you could "fail" a Step exam- I've only heard of people getting super low scores, which limits what speciality they can get into. That sucks! I have a few friends that studied for Step for 6-7 months...yikes.

I said the same thing!

My community college credits in the usa wont even transfer to a canadian college........

Omg true!!

Me too..when can you send me the money??

@Tobias Squibs When you stand before God, what are you going to say to him when he asks you why you cursed this man. I assure you, God loves him just as much as he loves you.

Jesus saves....because he shops at Walmart.

JESUS SAVES such a kind hearted person you are yes people like this need help I wish we can all join a group where every month we all help each other pay off our college funds

He definitely needs to flee this country, but he would have to have skills to offer in a new one. And he could never come back.

patrick hart he could move somewhere cheap like Mexico or Peru

There ya go. A solution.

@@pawsnotclaws2772 this could be the solution, learn a bit Spanish and start again in a new country as English teacher.

Learn Spanish and become a doctor in Cuba. I would do it, except I don't have debt and I already know Spanish.

is it really that easy to get a job in the administration? I heard you have to start small like a nurse or something? Any insight? because I have finished my Master's in Health Administration halfway and not sure if I should finish because I heard it's hard to get a job.

It is definitely not cheap or guaranteed. I have a MBA in healthcare. It takes experience to get six figure salaries which means you better either get into an internship that opens doors for you or start at the bottom and work your way up. My advice to others is to start somewhere and for your MBA while working in a health network so they can help pay your tuition.

Healthcare admin is a general masters, definitely doesn’t give you 6 figures after graduation you have to work your way up in administration

I’m curious to know if it’s guaranteed too. I’m a medical records custodian transferring to different facility and a young lady with the MBA applied as my replacement. From the looks of her resume, she was struggling to find a position related to her career goals so idk... 🤷🏻‍♀️

LOTS of folks assume an MBA will buy a 6 figure income are absolutely wrong and end up with debt working at Hardees. If you’re not already on with a business where they pay for part of your degree, then look very critically at the return on investment of any degree.