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  1. Debt Reduction & Money Management
    Hi there everyone :) New poster here and relatively new listener to the Dave Ramsey show. My husband and I have been starting our journey to get out of debt but we have run into a slight...predicament that we would really love some advice. I was accepted to medical school (starting July...
  2. Blog
    Once you get to my age, you’ve probably had one or two loans to your name. Well, maybe more than just a few. There’s the student loans (hey there degree I never ended up using…), home loans, not to mention the long-debated ‘We really do need this new car’ loans or the emergency loans from...
  3. Question and Answer
    Hi guys, it's my first time using this forum and I wanted to ask about debt. I know that many people on this forum are frugal and might not have gotten into debt, or some of you may have learned how to be frugal after getting yourself in a tight spot. I'm of the latter, and I wanted to ask what...
  4. Debt Reduction & Money Management
    Hello everyone! I am trying to figure out which I should do. I am going back to work soon and it will be much needed money. We would like to move from this house by the time my kids are in school because we are not in a good district now. It will be 3-4 years from now when my oldest two (twins)...
  5. Debt Reduction & Money Management
    I had a question I think I know the answer too but I'd like to hear other people's thoughts: You can see the info on my debt snowball below. I make about $46k a year and I will for about 2.5 more years, then I'll go up to $300-350k per year (most likely). Which means the next couple of years...
  6. Military Families
    I don't know if any one out there has a VA Home Loan, but in talking to a lender they have a program available to help do a refinance. IRRRL Facts for Veterans - Home Loan Links No credit check or appraisal is required. Just tossing it out there in case it will help someone.
  7. Dave Ramsey
    Wife has student loan at 3% (13,000 left) and we have 1 car loan at .9% (19000 left). I have $70,000 in savings, contribute max to 401K, Roth IRA, contribute to 529 plan for 2 little ones. Given this crazy economy and the way companies are laying off people I think I should continue shoving $...
  8. Dave Ramsey
    The ones that you can 'consolidate'? If say a CC or several was charging you a 14% interest rate and a Credit Union will let you borrow the amount to pay it off at 8%? Wouldn't that make sense? just one bill? Not sure what DR says about this because I haven't heard the answer so far... TIA
  9. Debt Reduction & Money Management
    My mom has tried to tell me that most of my tax refunds are coming from my student loans so I should not try hard to pay them off. I am thinking this is not true. However out of curiousity I wonder .. is it better to pay them off quicker or not. I have my loans with Sallie Mae which...
  10. Military Families
    Payday lenders target military families - Business - Your retirement - Personal finance - msnbc.com Thought this was a very interesting article about the dangers of payday loans for families in general, military families specifically.
  11. Dave Ramsey
    Hi there, I am new to this forum. I recently read The Total Money Makeover. I am current on all bills and have my $1,000 emergency fund. I am now looking for some advice regarding what to do about the debt snowball as it relates to my student loan debt. I have about $130,000 in student loan...
  12. Debt Reduction & Money Management
    How to Get a Loan to Pay for a Wedding | eHow.com people are taking out loans for weddings. how insane is that?
  13. Debt Reduction & Money Management
    Total Student loan debt: $82,000 $22,000 in Federal loans at 7% so I cannot consolidate to a lower rate, therefore will continue to make payments as is. Federal rules are, balance needs to be $30k+ to extend payment terms. So I cannot extend the terms and get a lower monthly payment to make...
  14. Debt Reduction & Money Management
    Ok, so my husband has student loans...a lot of them. We consolidated them and started paying on them June of 2008. The current balance is $53,167.84. Silly Sallie Mae has our payment plan set up so that if I just make the payment they say, it will take 30 years to pay off. That is NOT...
  15. Dave Ramsey
    I am 24 years old, $80,000 in student loan debt, desperately hate my job and want to save up and buy a home based franchise. Currently I can save $1800/month to put towards saving for my franchise and have enough to start up in 1-2 years with minimum payments on my loans. Most of the franchisees...
  16. Success Stories
    Paid them today in full. $19,960 Gonzo accruing at 6.8% The bummer is I did have the funds before I realized interest was accruing. A $1700.00 mistake.
  17. Dave Ramsey
    Just started FPU. My student loans are more than twice our mortgage. My thought is to find a government or non-profit position in order to qualify for the 10 year forgiveness program. (I'm in the US). I'm going to be laid off soon and will need to find new employment, so I'm thinking I may...
  18. Dave Ramsey
    We are a family of 6 and I was hit with a layoff in the beginning of June, two weeks later I had and aortic anyurism and spent almost 2 months in the hospital. I've recovered fully, but I've had the worst time finding a job. I've been the Telecom Industry for 10 years and cannot find anything in...
  19. Blog
    When most people think of the word debt, they immediately think of credit cards, auto loans, student loans and mortgages. Those seem to be the most common debts in our society today. But there is another kind of debt that doesn’t get as much attention as the previously mentioned, and that is...
  20. Frugal Living
    Thanks to the ol' tax refund, I was able to pay off my credit card and a few other bills that have been hanging over my head for way too long. Now all I have left are student loans!
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