Pearl - Modern Woman Tried To Boss Babe Too HARD And RUINED Her Life!

00:00:00.000 I didn't have to go to Penn State and Duquesne University, really expensive schools, but I

00:00:04.600 didn't know. I thought student loans were just something everybody had and it was okay.

00:00:08.640 She's like, tee hee, I borrowed $100,000 in student loans. Tee hee. What up guys? Welcome

00:00:14.460 to my reaction series. Today we're talking about a woman who borrowed $137,000 in student loans

00:00:21.460 and now her and her husband are sinking. Student loans are a gendered problem. 70%

00:00:26.500 of the student loan debt is owned by women. Guys, I hate to tell you this, by the time

00:00:31.360 you turn 35, most of the women you will meet your age will have kids and will have more

00:00:37.120 debt than you. Too many women take out a bunch of student loan debt without thinking into

00:00:42.400 the future. Today I'm going to react to a woman that is complaining about taking out $137,000

00:00:49.440 worth of student loan and how it affects her and her family.

00:00:53.380 So by race, people have different types of debt, but white women, it's absolutely student

00:00:59.420 loan debt. Here's what I hate about student loans. There's just so many things I hate,

00:01:03.340 but what I hate the most is how you feel like you'll never get out of it. Ever. I initially

00:01:09.440 You won't. It's going to see you at 50, you know.

00:01:13.640 Initially borrowed $137,000 to go to undergrad and grad school. I worked myself out of poverty.

00:01:22.000 I broke the cycle. I broke all these generational curses. I'm sitting in my basement of my house

00:01:27.340 that I own with my husband. I've done all these things that I felt like I had to do.

00:01:33.300 Yes, I could have went to cheaper schools. I really should have been told, no, Kimberly,

00:01:37.140 you cannot borrow this amount of money. You need to go somewhere else. And I would have

00:01:40.540 adapted and I would have been sad about it, but I would have been fine. I would have figured

00:01:44.060 it out. I didn't have to go to Penn State and Duquesne University, really expensive

00:01:48.820 schools, but I didn't know. I thought student loans were just something everybody had and

00:01:53.260 it was okay with the interest.

00:01:55.320 She's like, tee hee. I borrowed $100,000 in student loans. Tee hee.

00:02:00.280 Every time a plan.

00:02:02.160 Yeah, men don't get the tee hee. They have to like deal with the consequences.

00:02:05.980 Man has changed. Like if I've done income-based or income-driven or whatever,

00:02:11.000 the interest capitalizes. So my loans at one point were up to $175,000. Like I'm a school

00:02:16.860 counselor. I'm never going to make that. Then we've paid off $40,000, $45,000 of my loans.

00:02:23.920 We've paid them down, back down to $130,000. We've paid all that interest. It's just gross

00:02:29.040 during the COVID pause. We really worked hard to pay off a lot. Then I was working part-time

00:02:34.320 when we did that. We really made it a focus. And then this save plan was supposed to like help pay

00:02:40.680 the interest. It's not. I accrue $20 a day in interest. Like $600 a month. If I want to pay

00:02:51.160 that off, I need to pay that plus over that to pay down my principal. In the meantime,

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00:04:45.880 Why pay them? Now I am switching to the public service loan forgiveness program because I haven't

00:04:52.680 qualified for it before then because I haven't worked full-time for longer than a year. Like I

00:04:57.900 worked, I got, we got married and, you know, all this kind of stuff. Shortly after I graduated,

00:05:04.760 my loans were in deferment and I didn't make the best choices early on because I didn't know. I didn't

00:05:08.600 know. Yeah. The thing is, I didn't know. Isn't like a get out of jail free card. Unfortunately,

00:05:14.460 I wish it was, you know, now I don't know what my options are. Do work forever. Do I sacrifice

00:05:23.160 our family's livelihood to pay these things off? Do I trust that the government is going to come

00:05:31.080 through 10 years from now and say that I have these 120 payments and they're going to forgive

00:05:40.360 my loans? Do I really trust that? When we talk about changing student loans, we need to change

00:05:47.400 how interest is accrued at 6%, 6.25% interest. I should have the ability. I have good credit.

00:05:53.660 Otherwise, other than these awful things that provided me a leg up. I get that,

00:05:59.600 but I should have a way to refinance them without going into a private bank. And then I'm stuck at

00:06:05.180 a thousand dollar a month payment forever. I should have a way to get a lower interest rate. When we

00:06:09.000 talk about student loan forgiveness, my husband gets annoyed by it, but this is who we're talking

00:06:13.040 about. I've done everything right. How can you be crying on the internet and say you did everything

00:06:18.100 right? Do you know what I mean? Like the rationalization is crazy. Men just are like,

00:06:23.940 that was a stupid decision. Do you know what I mean? Like we covered a guy last week who was a sperm

00:06:29.840 donor for a woman and he just said in the beginning, look, that was stupid. But women, it's like, we want

00:06:36.820 to get out of jail freak. We want to bail out of jail free card. I made mistakes early on. Not all women,

00:06:42.440 not all. When I was younger and I didn't make the best choices and I didn't really have anyone guiding me

00:06:47.340 to do that. My kids won't ever have to do that. That's part of being an adult. Unfortunately,

00:06:51.660 I'd rather write a check to wherever they decide to go. If they decide to go,

00:06:57.140 you don't have to live with this. Like we owe more of my, I owe more of my loans than we do for our

00:07:02.980 house, our four bedroom, two and a half bath with a full basement house. Why was that allowed? Why was

00:07:08.680 I at 18 years old allowed to take out that amount of money? I should have been told no. And because I

00:07:14.760 wasn't and I didn't know better, now I'm stuck. And it's just incredibly frustrating. So I'm sitting

00:07:20.280 on my floor in my basement crying about it because it feels hopeless. It feels really hopeless. We

00:07:27.340 worked really hard. We paid off my husband's loans. His were only 20,000. We paid his off. We've,

00:07:34.580 we've paid off our vehicles. We have cashflow vacations. We've done all these things. We've lived

00:07:39.580 our lives. And so our option now, do we trust the government to pay my loans off in 10 years?

00:07:45.480 Whenever they get around to switching that, you know, Mahela, I started in August working full

00:07:51.260 time as a school counselor. Whenever Mahela gets around to processing my application, it's January.

00:07:55.940 Still hasn't happened yet. I got notification that they would be switching, but who knows?

00:08:01.780 So do I trust them? Nope. You got to pay it off. Sorry. It is what it is. Um, anyways, guys,

00:08:08.080 let me know what you think in the comments. Do you think that the government should step in when it

00:08:12.980 comes to student loans? Or do you think there should be a different approach? Does she have a

00:08:16.460 choice? Let me know in the comments, please like the video on your way out and subscribe to the

00:08:20.200 channel. And I'll see you guys next time.

Pearl - April 23, 2025

Modern Woman Tried To Boss Babe Too HARD And RUINED Her Life!

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