Pearl - May 21, 2026


Reacting To Women Crying About Their College Debt


Episode Stats


Length

15 minutes

Words per minute

191.25073

Word count

2,967

Sentence count

51

Harmful content

Misogyny

37

sentences flagged

Toxicity

37

sentences flagged

Hate speech

42

sentences flagged


Summary

Summaries generated with gmurro/bart-large-finetuned-filtered-spotify-podcast-summ .

In this episode we are reacting to women getting crushed by student loan debt. How do they do it? Why do they have to pay so much money towards student loans? How does it happen?

Transcript

Transcript generated with Whisper (turbo).
Misogyny classifications generated with MilaNLProc/bert-base-uncased-ear-misogyny .
Toxicity classifications generated with s-nlp/roberta_toxicity_classifier .
Hate speech classifications generated with facebook/roberta-hate-speech-dynabench-r4-target .
00:00:00.000 i'm trying to be honest here she would prefer indentured servitude than being with yo ass 1.00
00:00:04.960 what's up guys welcome to my reaction series today we are reacting to women taking l's and the 0.98
00:00:10.480 l of the day is going to be women getting crushed by student loan debt so women you know don't
00:00:16.400 listen to men so they you know they start applying to schools and the dad says maybe get an accounting 0.87
00:00:21.680 degree and the mother says follow your dreams honey and since women hate women um but listen 0.51
00:00:27.200 to women women hate women and then listen to women so the women listen to the mother god help them 0.53
00:00:32.720 and then um get you know they follow their passion in life which pays nothing and um leads us to a
00:00:39.520 life of indentured servitude i am pretty much a quarter of a million dollars in student loan debt
00:00:46.400 and i pretty much live paycheck to paycheck each month and i wanted to just show you a little bit
00:00:51.920 of what my life looks like with these kinds of loans because today I went to the dentist not
00:00:58.240 expecting to pay anything and of course I had to pay $300. Why I have insurance really don't know
00:01:03.900 but this is kind of the reality of the panic that I felt because that $300 could go a very long way
00:01:10.880 for me and here's exactly why. So these are my private loans and you'll see that I make bi-weekly
00:01:18.660 payments of about a grand and i try to make more when i can and then let me take you over to
00:01:27.300 technically right now these are my federal loans i did make a two thousand dollar payment this
00:01:32.500 month that has yet to go through they're in forbearance but i'm paying what i can pay to
00:01:36.900 get this number down and even then what isn't seen is how much i have already paid so you're like oh
00:01:42.740 you know i think it comes out to around 233 and it was a lot higher in the year and yeah she's 0.99
00:01:52.180 cooked so in the past um women were so annoying that the parents were like can you take my daughter 1.00
00:01:58.100 off my hands i will literally pay you to get rid of her i'll pay you to have her work on your farm 1.00
00:02:03.860 gluck luck 9 000 you can have her for life okay um but now you have to pay to take her isn't that 1.00
00:02:11.940 crazy? How did women brainwash men into that? A few months, I've been out of pharmacy school 1.00
00:02:17.640 and residency. I've paid about $50,000 in student loan payments. And that is because I got out of
00:02:25.220 pharmacy school. I had to pause my student loans, the payments because I was making nothing in
00:02:32.100 residency. I was making maybe $48,000. And my student loan payments for just the private alone
00:02:38.220 were going to be at least two grand. I did not have that kind of extra money.
00:02:43.180 And so during my two years of residency, I accumulated approximately $20,000 in interest.
00:02:50.700 I was fortunately able to bust my butt and not eat some nights and pay that 20 grand back.
00:02:56.680 And so in the past year, since I've been working as a pharmacist, I have put approximately $30,000
00:03:04.080 dollars towards my student loans both my federal when i can because it had been paused and it's
00:03:10.000 now in forbearance but it's accumulating interest and now i'm paying the interest
00:03:13.160 um but i've always been paying my private and my private is like i said about two thousand dollars
00:03:18.880 give or take i do that's rent wow you know you can follow your dreams but if your dreams are 0.98
00:03:25.260 stupid the world isn't going to tell you as a woman to later it's like black lives matter like 0.99
00:03:30.280 I just saw a story of a woman that got killed by a black guy she let into the building and she was 1.00
00:03:35.960 like a BLM person and I was thinking about it I'm like the world it took like a decade for her to 0.99
00:03:42.020 realize her idea about BLM was stupid and now she's you know now she had to pay and that's kind 0.99
00:03:48.660 of what happens with women and our dreams is that a lot of our dreams are stupid dreams my dream was 1.00
00:03:54.340 kind of stupid but somehow it came true I don't know how I'm here I was working in sales and I'm 0.98
00:03:58.640 like dad i have the dream to be a youtuber and he's like do it um now to be fair um ladies if 0.95
00:04:05.820 you're watching you're not me right um i don't i guess maybe i don't maybe it's competition i don't
00:04:10.720 want you guys competing but regardless on most you it's not going to work out for and i can
00:04:15.580 really speak to this because some of the women um i knew or knew of either directly or indirectly
00:04:21.260 um that started on tiktok with me a lot of them are on only fans now because um they did have a 1.00
00:04:26.740 stupid dream and who knows maybe I'd be selling my butthole for $5.99 if when I got demonetized 0.85
00:04:32.900 I didn't get to go home so if you don't have a home or a husband to go back to your dream might 1.00
00:04:38.180 be stupid it might be dumb in my opinion the worst thing about student loans is getting out of school 0.99
00:04:44.000 feeling like you made it and then still not being able to buy things because you are paying off 1.00
00:04:50.000 your time to just join the sex economy ladies um get a job and get a second job hooking how much 1.00
00:04:56.160 would you pay for an hour with her I know not top price not I understand don't go in the comments 1.00
00:05:01.160 and say oh but Pearl I wouldn't pay anything shut up I've seen uglier women than this get paid a 1.00
00:05:06.880 decent chunk of change okay I used to I've reacted to whore talk and they're not all lookers they're 1.00
00:05:12.340 not all lookers um she might not have a gag reflex um light eyes what would you pay student loans 0.94
00:05:18.000 and don't get me wrong I'm not like crazy materialistic or anything but based off of my
00:05:22.480 salary I feel like I should feel financially free. I should be able to spend my money on things that
00:05:27.720 I want to spend my money on and I just can't because of the student loans. And granted I know
00:05:33.120 at the end of this it'll all feel really worth it but right now it just mostly feels disheartening
00:05:37.800 to like feel poor all the time because I get paid and I immediately pay my student loans and then I
00:05:44.700 feel like I'm back into the same place that I was and I have so much student loans. I feel like this
00:05:51.340 gonna take forever i know it'll be worth it it won't be worth it it will take forever and the 0.99
00:05:56.700 whoring was way too you know what i was thinking i saw alex clark someone sent me her tweet today 0.98
00:06:02.300 where she was saying conservatives could actually get married faster if they um had a whore phase 0.95
00:06:06.700 or something or learned from something like that and to some degree like let's be honest 1.00
00:06:12.060 it is a numbers game with dating like let's just keep it a buck um you know most women it's not 1.00
00:06:18.700 going to work out with the first guy you sleep with it's 2026 this is the environment women
00:06:23.420 created you got to go with it now um i was talking i was kind of bouncing this idea off of a friend
00:06:29.900 and she's like no like no like a phase leads to nothing and i'm like
00:06:35.580 you more than five i was like you have had sex with more than five guys right she's like yeah
00:06:41.340 i'm like that's a basketball team and you're married right she's like yeah you had a phase
00:06:46.620 that led to you fine like i'm not trying to i'm not saying it was because i'm not but
00:06:52.140 you kind of in 2026 you gotta get you gotta give him some poonanny in order to get in the door
00:06:58.380 right with a semi-attract like and anyway so we were kind of going back and forth and i'm like 0.97
00:07:03.260 here's the problem you get it's not the whore phase in itself or whatever here here's the issue 0.94
00:07:09.020 it's that women with nothing to do have whore phases and they get out of control it's like 0.99
00:07:14.540 because i'm like look ladies if you're banging like five dudes at the same time or like three 0.95
00:07:20.220 dudes even two consists like how much time do you have especially as you get older it's like 1.00
00:07:27.900 how do you have the time like i think the problem is is it's like the loser women so i don't know 1.00
00:07:36.780 where i was going with that but yeah does anyone know what someone with a hundred thousand dollars 1.00
00:07:43.740 and student loans can do. Every month I have my rent and then I have my other rent, which is my
00:07:50.660 student loans, which are actually more than my rent. And it's going to be like that probably for
00:07:56.280 my whole life, which is kind of why I started doing posting TikToks, but like it's probably not
00:08:03.040 going anywhere. So what can I do? See, again, women would rather be an indenture. I want you
00:08:11.200 to understand fellas how much women just don't want to be with you what up guys have you ever 0.99
00:08:16.780 wanted to make trades on a real world event or just stupid shit in general instead of stocks 0.99
00:08:22.020 or crypto well now you can make predictions on how many followers clavicular is going to have 0.98
00:08:26.900 this year or will alex earl and alex cooper be seen together in public you can make trades on
00:08:32.280 basically anything our partner calci allows you to make trades on pretty much anything it's fully
00:08:37.840 regulated and you don't need a finance background to make trades there are hundreds of new trades
00:08:42.800 every single day the link is in the description and use the code pearl for 10 free dollars towards 1.00
00:08:48.140 your first trade oh but pearl that's not true they're just brainwashed no no no no women do 0.79
00:08:54.060 not want to be with you they don't want to really spend time with you women just want the the the d 1.00
00:08:59.860 right they always say men just want sex but in my opinion women just want sex and they don't want 0.99
00:09:06.400 to spend time together because especially when you look at young women all the events that young 0.92
00:09:10.760 women have it's like women would rather spend time with their friends women would rather spend time 0.79
00:09:15.540 with their parents like ask a young woman to skip a family trip to hang out with you it's just not 1.00
00:09:20.800 happening it's not happening or not going to like a con for like a work like women rather go to a 0.99
00:09:26.960 work conference and hang out with you women would rather go to an event with cool people than hang 1.00
00:09:31.480 out with you women would rather go to a party than hang out with you and women would rather do
00:09:35.460 indentured servitude than hang out with you pearl that's a little dramatic well i'm trying to be 0.99
00:09:40.100 honest here she would prefer indentured servitude than being with yo ass i'm sorry i don't make the 0.98
00:09:46.500 rules i don't make the i mean have you ever spent a lot of time with your woman and then you want to 1.00
00:09:51.700 kill yourself right oh but pearl my wife is special uh-huh do you know how many men have said my wife
00:09:58.180 is special then they message me like a year later they're like yeah you were right i'm like no 1.00
00:10:02.980 shit ninja i need options all right sex worker get married i don't want to get married i guess 0.99
00:10:10.180 sex worker it is yeah i don't even know like where to start enough to be a sugar baby go ahead 0.99
00:10:15.060 just like so overwhelming i don't want kids but if i did do you see what i'm saying i told you 0.61
00:10:23.860 indentured servitude all right let me see wouldn't be able to have them because like
00:10:29.460 i literally can't even i don't make enough money to save my money like i can't just stressing me
00:10:35.780 out even talking about it i don't know i'm just coming and the thing is she's probably uh let's
00:10:40.980 let's look at her profile and see if there's any um how poor she looks okay so i see a little bit
00:10:49.460 of makeup okay nothing super crazy i don't spot lip filler um i'm not seeing a super are her nails 0.99
00:10:56.820 done of course do you have of course her nails are done but I can't tell if those are done by 0.99
00:11:01.540 someone else she's got fashionable let's talk about does look like she has fashionable taste 0.99
00:11:08.080 but none of this looks super expensive so I don't see any glaring red flags she might actually be 1.00
00:11:13.660 living a poor lifestyle okay like this girl like you have fake hair that's expensive you know so 0.98
00:11:19.520 I just did some absolutely horrific math I was looking at my student it takes us a decade till 1.00
00:11:24.660 we get. We're kind of lazy, right? And so it takes us a decade to do math. Loans and how much I owe.
00:11:30.200 And I just want to give you a little example of how horrible these and crippling these student
00:11:35.780 loans can be for a lot of people. So the principal amount of money that I owe the federal government
00:11:41.380 at this point in my life is $396,945.67. That number already is insane. Okay. But
00:11:50.600 all right, here comes the scary part. The current interest rate on that loan for me is 5.875%
00:11:59.980 per year. So that breaks down to $1,943.38 of interest that grows on my principal amount
00:12:09.840 per month. I'm looking at the numbers. That's why I keep reading something, but
00:12:13.560 okay so i owe just about two thousand dollars of interest on my loan okay now as a resident
00:12:21.340 i make right now okay i have heard that doctors don't have the payout they used to anymore
00:12:28.120 is anyone in the medical field that could tell me because i have a close family friend um one of my
00:12:34.520 brother's friends i like grew up with him and he was kind of he seemed kind of remorseful a little
00:12:40.540 it about becoming a doctor because of the pay. It's like not what he thought. I could have
00:12:46.140 misread it. So if you're watching this, like that was my read on you, you know, I could have been
00:12:50.580 wrong. But let me know what you guys think. $4,054.98 per month. Okay. So based on those
00:13:00.380 numbers, the amount of interest per month that I owe comes out to be 47.9% of my current monthly
00:13:08.300 paycheck. And that's the interest. I'm not making any, any progress on the principal loan. And
00:13:14.740 that's if I put half of my paycheck towards this loan. Are you kidding me? That is a crazy amount
00:13:21.200 of money. And like, I get it eventually as a physician, as an attending physician, I will be
00:13:26.280 able to pay this off. Um, but right now our goal is to just pay off the interest every year. So
00:13:31.920 that the second I get my full attending paycheck, we can start actually making progress on this loan.
00:13:37.220 but I just think this is so ridiculous honestly like it that is such an insane amount of money
00:13:42.820 and like we make so little as residents and like how would I even this would grow to be if I didn't
00:13:49.000 pay any of this interest off this would end up being like six hundred thousand dollars by the 1.00
00:13:52.720 time I was oh my gosh done residency that's crazy what is this yeah because so many women go to an 1.00
00:14:00.280 out-of-state school like men find the cheapest way to do something where women will get the
00:14:04.260 like women care a lot about status and looking cool that's why it's tough for me as a woman
00:14:08.680 because i'm just so uncool you know but like we care a lot about looking cool and that can be
00:14:14.180 blinding and um that's why women you got to check yourself your um want to look cool because it
00:14:18.940 could lead you to a lot of debt all right let's see anyone knows how to make money on this app
00:14:23.360 please let me know um i just made a 17 000 payment on my student loans from pa school
00:14:29.920 back in november i made a 24 000 payment i pay two thousand dollars a month for my student loan
00:14:36.960 payments beyond the minimum of course and i still have over 130 000 to pay notice how her nails are
00:14:46.460 done like the interest is actually ruining my life so if anyone knows how to make okay um let's see
00:14:55.180 her lifestyle oh she traveled um oh my god so let me get this straight you're overweight 0.99
00:15:02.380 like oh what's your star sign with your fat new outfit nails done and traveling the world and 1.00
00:15:08.300 complaining about your debt the women are just i just can't take i can't take us i can't take 1.00
00:15:14.140 this anymore ladies we just have to stop with this struggling we have to pick a struggle right 1.00
00:15:20.300 and take the l and stop complaining unless we're doing something about it so let me know what you
00:15:24.860 you think of the comments um like the video if you can on your way out subscribe to the channel
00:15:30.280 and i'll see you