I have $400k in student loans, half of which are private. I want to quit my job and this career entirely but there’s nothing I can possibly do to make these damn loans go away without strangling myself financially for the rest of my life or literally dying.

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Have you looked into some of Dave Ramsey’s YouTube videos? He gives some pretty solid advice when it comes to paying down debt and prioritizing monthly expenses.

But in the short term, my advice would be to spend time looking for a new job that you would enjoy and has an equivalent or higher TC to your current one to help pay down the loans. Don’t waste time doing something you hate. Life is way too short. You got this!

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The problem with Dave Ramsey is that his discount rate is negative.

For most people, debt/savings rate, should be use used to smooth out consumption over their lifetime. You should be comfortable insuring some debt in your 20s to up skill and just enjoy life, then pay off that debt in your 30s and 40s, amping up savings rate as you hit your 50s.

It isn't maximizing life too eat nothing but ramen for 40 years then retiring a multi millionaire. Shifting some of that consumption to your 20s will leave you with less money, absolutely. But your life will be better and that is why most people have a discount for future consumption vs current consumption. Dave has a zero or negative discount for future consumption, which again some people need but most don't.

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jfc mate 😱
Sending support n good wishes ur way

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And I thought my public loans 160K total (a bit lower than that currently) for law school was bad. I honestly wish I could help you and damn it should be illegal and viewed as highly predatory lending practices to allow such private loans to occur.

Hey lawyer, do you qualify for Biden’s loan forgiveness plan?

Even my fing mortgage is not 400k man wtf

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