Pearl - Modern Women Are DROWNING In Debt

00:00:00.080 What up guys? Welcome to my reaction series. As you guys know, I love watching women take L's and

00:00:06.600 that's what we're going to do today. We are going to be reacting to women getting crushed by student

00:00:11.860 loans. Like I always say on this channel, modern women are going to these high priced institutions

00:00:17.440 to get jobs that nobody cares about that aren't going to make any money. Well, our current

00:00:22.600 president is going to change policies and the bill is going to come due. 70% of student loan debt

00:00:30.820 is women. And now they are going to have to stop going on vacations, buying houses and expensive

00:00:36.420 cars and living outside of their means. Let's look at some of the women that are getting crushed by

00:00:42.720 student loan debt. Well, I woke up this morning to a bunch of emails and alerts that my

00:00:51.900 credit had changed. You had all these like, you know, mission credit and whatever with

00:00:58.160 your bank account. So I had like four of them. I was like, what the hell is going on? Yeah,

00:01:05.880 so I guess they made a decision on all my student loan payments. I had like, it wasn't like one

00:01:12.720 of those programs where basically because I make no money, I didn't really have to pay anything.

00:01:18.280 Well, I guess it's the reverse. Overnight, my credit has ticked 80 points.

00:01:28.160 And now they're all delinquent accounts.

00:01:32.980 Miss I N D E P E N D E N T. Do you know what that means? She's about to lose her own house

00:01:40.740 and her own car to, I don't know. I gotta, I haven't finished this, this song, but it's

00:01:46.940 funny because all the women that say they're so independent, they're independent till the

00:01:51.500 check comes till the bills come due. And then they're a lot less independent. It's time for

00:01:56.860 her to start being a hooker. Yep. That's what you're going to see a super increase in prostitution

00:02:02.980 the next couple of years. I am lost. Again, no one's going to say, Oh, well, what'd you

00:02:10.980 think when you took out loans for school? What'd you think was going to happen? Well,

00:02:16.420 I didn't expect life to come in. I can't afford it.

00:02:23.740 I did it. I was young. I got roped into some program. I'd like some career college.

00:02:35.900 Now I'm $50,000 in debt for this certificate. I don't even use. And I don't know what to

00:02:44.960 do. I mean, I already can't make it as is. I'm looking for a second job.

00:02:49.640 What do we think? Is there a cash app in her bio?

00:02:52.060 And now I have guys, I'm telling you, a lot of these women are for sale.

00:02:55.420 Do you have them a price? She could come to your city or that they're going to garnish my

00:03:00.280 wages, take my social security. And there's like no programs for like working with you

00:03:11.660 anymore. I mean, that's what I've seen. If, if anyone has any other information, like,

00:03:15.780 please let me know because I don't know what I'm going to do. I'm like, I've been working

00:03:20.100 so hard on getting my credit score. I got one of those like credit rebuilder cards. I like

00:03:26.740 fought something. I had identity theft. I've done a lot of work to get it up. Like, I think I've

00:03:35.400 found it out maybe like 60 points in the last year. Um, everything I'm paying on time, like,

00:03:41.860 and now just overnight. Um, I don't know what to do. Like, is it true if I, if I go back to school

00:03:51.600 in September, do those go on hold? Like you just have to take, I read somewhere if you take six

00:03:57.340 credits a semester, you don't have. All right. Is there a cash app in her bio? Let's see.

00:04:04.860 Oh my gosh. There's not. Wow. But there is a kid. Yep. Single mom. I don't see a dad.

00:04:19.000 Yeah. Well, isn't it the consequences of your own decisions? Have you been through a nasty breakup,

00:04:24.920 a false accusation or divorce court? How our private university isn't just about self-improvement.

00:04:31.280 It's about protecting yourself as a man. We brought on legal child support officers,

00:04:37.200 legal experts to teach you how to defend yourself before it happens. Reduce your risk,

00:04:42.520 arm yourself with knowledge. Go to pearlinvite.com, watch the short video and apply because nobody is

00:04:49.780 coming to save you, but we can show you how to save yourself. Hey, so this is probably the most

00:04:55.040 vulnerable post I will have ever made in the history of time. And for those of you who this little blue

00:05:00.860 halo is already triggering you, I'm so sorry. Oh my gosh. I see $192,000. I'm going to hopefully

00:05:08.100 make you feel better. And I'm honestly having a weekly crash out. I need help from you as well.

00:05:13.560 This. Oh, holy crap. This is how much money I owe in student debt for my physician assistant degree.

00:05:25.100 And before. All right. That's not a bad degree, right? Right. That's at least.

00:05:32.120 You go ahead and take out the phrase that is so commonly used. Oh, but you knew how much you were

00:05:37.680 taking out in the beginning. No, a lot of this has to do with interest alone accruing while I am in a

00:05:44.840 hell of a limbo of what we like to call administrative forbearance, trying to get into the save plan.

00:05:53.100 So I worked with a student loan counselor after I graduated, and I was told to consolidate all of

00:06:01.380 my direct plus grad student loans to be one, one loan so that I could apply to the save repayment plan.

00:06:09.580 Right. As soon as I started and submitted my application was when all the chaos happened in

00:06:16.400 the courts where they just can't get their head out of their ass and figure out what they're doing.

00:06:20.980 And so I never actually got in to the save plan. And so I have been accruing interest at a 7%

00:06:29.400 rate. I've not had to pay my monthly payment. My monthly payment has been $0 because of a previous

00:06:37.540 tax return when I was making $0 income as a student. But still, this amount is a literal noose around my

00:06:46.600 neck. And I don't think I will ever, ever pay this off. I fear that I will not be able to ever own a home

00:06:57.020 as someone still earning six figures salary, let alone children. I would love and aspire to have a

00:07:06.760 child someday. But this really... Can you imagine marrying that? Guys go on dates with these women.

00:07:17.020 And the crazy thing is women with $200K in student loan debt are turning you down. Don't take it

00:07:24.460 personal, fellas. It really... I don't want to say makes me suicidal, but it truly makes it really

00:07:34.900 hard to get out of bed every morning. And I know I'm not alone. I know I don't even have it that bad,

00:07:42.440 but I'm truly asking as a cry for help, like how you compartmentalize the stress of something like

00:07:49.260 this, knowing that you'll never, ever get out of debt because it would take an act of God to take

00:07:56.020 this amount away. And people repay the principal loan multiple times over in situations like me,

00:08:04.440 but they never get rid of their debt because of the system at hand. And that is what is so

00:08:08.980 fucked about student loans for people in advanced degrees like doctor, nurse, anesthetist, nurse

00:08:17.020 practitioner, physician assistant. What else can I think of? Any degree program that...

00:08:22.420 And the crazy thing is women tend to age out. Like if they're going to be a doctor,

00:08:27.100 they tend to quit by the time they're like 45. Men will do it till they die pretty much.

00:08:34.780 So it's kind of an L because they never pay it back because they don't finish working.

00:08:39.720 It takes multiple, you know, loans and it... To these myself, get a salary that actually

00:08:46.580 amount that the PSLF of God to take this amount away and people repay the principal loan multiple...

00:08:58.180 Yeah, I don't care. Okay. All right. Who's next? Let's see. Does this woman have a cash app in her bio?

00:09:03.900 Uh... Okay. I don't think so, but we're taking diet advice from...

00:09:13.980 I wouldn't take advice from anybody that has $200,000 in student loans. Let's see.

00:09:19.860 I've been on my deaf freedom journey for a while now. And I started originally with $88,000 of debt of

00:09:37.060 consumer debt ranging across the gamut. Right. And I had about $54,000 of student loans and

00:09:42.120 everybody's like, Oh, you don't have to pay your student loans back. You know, you can still buy a

00:09:46.360 house with student loans. You can still... I'm not going to pay my student loans back. They can get

00:09:51.480 their money back when I die. You know, like people are all over the place when it comes to student

00:09:55.080 loans and listen, respect. But the real reason, one of the real reasons that I decided to pay off my

00:10:01.400 debt is because of interest. Now, if you don't know this, if you have a defaulted student loan,

00:10:08.440 then that means the government, when they start to enact this, which they already have, can start

00:10:12.860 garnishing wages, taking your tax refund check and whatever else. And I was like, that's crazy.

00:10:21.660 Right. But also when I looked at my original loan amount, it was about $26,000. And by the time I had

00:10:31.580 deferred and deferred and deferred, my loan balance had almost doubled. I was over $50,000 I owed in

00:10:37.900 student loans. And I just think about how I could have been done with this. And so

00:10:47.340 I say all this to say that sometimes we don't see it because obviously it wasn't impacting me much

00:10:53.420 that my loans were accruing interest. But what does impact me now that I'm trying to pay it off,

00:11:00.060 last time I got paid, I put $1,300 on my student loan and that brought me to $18,900. Well, when I

00:11:09.340 went to go put another chunk of money on my student loans today, interest took it from $18,900 to $19,000

00:11:18.860 dollars and $19,005, which was almost over a hundred dollars in interest in less than 15 days.

00:11:32.220 And so at this point, it's about how expensive is my loan? And if I'm eventually going to have to pay

00:11:42.380 this back, which some of us are, do I want to pay it back now just by the bullet, rip the band-aid,

00:11:49.820 or do I want to wait until I continue to accrue interest over time? I know it feels like a money

00:11:55.980 suck right now, but I cannot wait until later on when I don't have to pay these back at all.

00:12:00.940 And we're almost there. So today I put $1,025 on my student loans,

00:12:07.820 and that should bring me back under $18,000. So I'm really excited about that.

00:12:15.100 But yeah, I just wanted to share, that's one of the reasons why I decided to pay off these loans.

00:12:20.060 Yeah. She's the only one that seems to be, have a good head on her shoulder. She's not

00:12:26.700 complaining about it. She started my debt-free journey, 70K down and counting. Wow. Well, good for

00:12:33.500 her. A lot of women, we love to make money off of journeys. So we don't have like goals. We have

00:12:39.100 journeys. That's kind of the way we roll. I think that's all of them though. Let me know what you

00:12:44.780 have seen in the real world of, are women crashing out right now because of their student loans? The

00:12:50.140 women you know in your life, please leave a comment and we'll pin the best one. Like the video on your

00:12:56.700 way out, subscribe to the channel and I'll see you guys next time.

Pearl - June 20, 2025

Modern Women Are DROWNING In Debt

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