Pearl - Women And Their Massive Pile Of DEBT

00:00:00.000 If you pay your student out, kudos to you. You want a cookie?

00:00:03.900 Okay. I can't even understand what this woman's saying. 1.00

00:00:06.620 What up, guys? Welcome to my reaction series. Today, we are reacting to women getting crushed 0.97

00:00:11.260 by their student loans. So in a way, slavery is abolished, but women are enslaved to our poor 0.70

00:00:17.480 decision-making, including debt. And we get credit card debt. We go into debt to go on trips. 0.95

00:00:24.540 we go into debt really to do a bunch of useless stuff um however the new world order is women are 0.97

00:00:31.020 going in debt going into debt to get useless degrees that don't make us any money it's looked 0.97

00:00:36.320 at my student loans who let an 18 year old take out loans yeah so that's women's get out of jail 0.86

00:00:43.760 free card and get around them accountability is just to blame everything on them being young and 0.98

00:00:49.160 dumb oh my god it's so ridiculous the interest rate is insane my loans are at 60k right now 0.98

00:00:56.040 i'll end up paying over double that by the end of my loan like that's oh my god i didn't even 0.98

00:01:02.800 finish school i did three years of college and i'm gonna end up paying 120 000 for a degree i

00:01:10.080 don't even have i'm 38 years old i'm never gonna own a house i'm gonna be in debt the rest of my

00:01:15.200 life i did keep on crying ladies nobody cares even want to go to college i wanted to do like a two

00:01:22.400 year school but everyone made me feel like an idiot for not going to a university 120 000 yeah 0.98

00:01:30.240 again this is your own fault so i got no sympathy you signed up you gluck locked on campus and now 1.00

00:01:35.440 you got to pay for that gluck luck the rest of your life sometimes women go in debt to whore 1.00

00:01:39.120 you know what i mean some debt for what and they want 20 of my income 20 of my income that is like 1.00

00:01:48.320 an insane amount of money you would have um no problem taking 20 of a man's income if you had

00:01:53.440 a kid with him so what goes around comes around i feel like i took bad advice as an 18 year old

00:01:58.640 and now i'm paying for it for like the rest of my life all right well that was my nightly bedtime

00:02:04.160 forever all right every month it goes up uh 771 every month that's an extra nine nine thousand

00:02:10.480 260 bucks a year gone to studentaid.gov today um because my loans are in forbearance and i figured

00:02:17.680 hey maybe while they're in forbearance i can make some extra payments and try and get the principal

00:02:21.680 down you can't um you have to pay the interest first so not only do i have five thousand dollars

00:02:28.720 of accrued interest like already and looks like you're a teacher means you got summers off get

00:02:35.600 a second job um the daily interest rate for my loans is 24.89 which means if there's a 31 day

00:02:46.720 month in order for me to touch any bit of principal on my loans i have to pay the five thousand dollars

00:02:55.200 and then I also have to pay over $771.71 for any of my principal to ever be touched.

00:03:05.440 Cool. Cool. Cool. Cool. Cool. I'll be here.

00:03:09.160 All right. Let's see what's next. Oh, God. You got to bond it. You're not bonded out in public.

00:03:15.680 You're not doing well in life.

00:03:16.840 So, yeah, I made a video about me own student loans, right?

00:03:19.440 i owe about 150 000 in student loans i got two degrees i got a bachelor's in biology and i got

00:03:28.340 a master's in secondary education with an endorsement in clinical mental health counselor

00:03:35.340 right

00:03:35.640 i said so y'all mean tell me y'all gonna garnish my check i'm charlin i'm charlin right i made

00:03:47.380 that video last night i never knew it was so many negative people that would comment on that video

00:03:54.180 i feel like my video reached the wrong side of t-top like just laugh i'm not mad about it i

00:03:58.740 haven't played these years in over four years after i graduated in 2002 no you think i'm worried about

00:04:03.700 now i ain't working in my degree because i put my kids first

00:04:19.060 i got a job that's going to accommodate my kids schedule

00:04:26.340 but i was traveling i thought it was funny like i'm not mad about it

00:04:29.620 if you pay just too long kudos to you you want a cookie okay i can't even understand what this

00:04:37.080 woman's saying student loan payment is due today for this much oh my god means that i'm gonna go

00:04:44.000 down from the six figures okay i think my payment might have hit yes okay so it's finally below six

00:04:54.420 figures slay um and then i'll probably make like a two thousand dollar extra payment which will

00:05:00.020 hopefully go towards the principal here within like the next day or so okay so with my current plan

00:05:08.420 this is where i'll have it paid off i'm trying to speed that up so let's see how this number changes

00:05:14.900 all right let's see what's next so my monthly student loan is 1 500 bucks so i called the

00:05:20.500 student loans people yesterday and i was like ma'am because i'm i put me on deferment right now

00:05:26.180 i don't want no forbearance no because forbearance if you didn't know your interest continues to grow

00:05:30.980 even though it's paused no deferment thank you and the lady said as of right now your monthly payments

00:05:37.620 are one thousand five hundred fifty four dollars i said excuse me no habla english

00:05:49.860 hey so then i said this is a recorded line right she said yes ma'am it is i said give me a second

00:05:57.300 i said anybody who's on the other end listen to me i don't have it 1.00

00:06:03.540 that is rent one thousand five hundred fifty four yeah and that's the thing women again um 0.99

00:06:12.100 if you think your ex is doing better after you she's in some financial issues i promise to god 1.00

00:06:17.580 sleepy and women are capable of this but society doesn't require us to be financially responsible

00:06:22.480 so we don't do it i am so stressed out about my med school student debt i just matched a few days

00:06:29.400 ago um into my dream program that i could have never imagined i would ever match into and still

00:06:35.880 it's hard to fully enjoy because all i can think about is this this is terrifying this is my current

00:06:45.260 student debt that i checked most recently i'm pretty sure this has all four years included

00:06:50.160 and this is my bank account currently 500k i'm actually so excited about the 28 because

00:06:58.640 that's more than i usually have i did some calculations i'm trying to figure out when

00:07:04.800 this would all be paid i would just do sex work if i was her i would literally it's time it is

00:07:11.560 time it is time to open the poonanny off if i did like minimum payments or tried to pay it off 0.51

00:07:17.540 aggressively and i just got so overwhelmed that i had to stop i'm seriously concerned about my

00:07:24.420 ability to ever own a home or even buy a car. I did not go into medicine because of the money

00:07:31.800 um but I did think that I would be financially stable at minimum um and for some context I'm

00:07:41.640 the first in my family to go to college and to go to med school and oh wait I gotta go to the

00:07:47.600 beginning so i just looked at my nail net student loans just because my interest right now is 12

00:07:58.800 dollars and 12 cents a day a day i am adding roughly 4 400 a year in interest

00:08:10.720 i am i don't know

00:08:19.300 they tell you when you're young go to college go to college go to college go to college i'm 38 i

00:08:27.920 went to college right out of high school at 17 and it's like go to college go to college i know but

00:08:31.720 if you're the type of person that listens to um what the advice that's given to you

00:08:37.820 you just got to take the L you know you listen to bad advice but to do it men understand it's

00:08:43.500 their fault if they listen to bad advice women blame everyone else you have to get a loan okay 0.57

00:08:47.620 get a loan go to college okay that's how you do it oh by the way you are gonna have to pay this 0.97

00:08:52.180 back obviously it's not free money I know that but explain to me the logic behind I had a loan

00:08:59.440 years ago that I finally paid took me almost 17 years to pay it off because I do pay my loans off

00:09:06.300 But I had a loan that when I paid it off, it was originally a $17,000 loan.

00:09:11.260 And when I paid it off, I had paid $40,000 plus the $17,000 to pay it off.

00:09:19.240 Let me say that again.

00:09:20.620 I had a $17,000 loan to go to college, one of my loans, not including the other ones

00:09:25.380 I'm talking about now.

00:09:25.880 And by the time I paid it off, paying the payment plus some every month, I paid $40,000

00:09:33.860 dollars plus the 17 000 original amount how is that legal how is it i get because you signed it

00:09:44.820 men i understand that if they sign a bad deal it's unfortunate right but yeah it's legal legal for

00:09:49.640 me to look at my nail net right now and go okay i do want to but i understand that i took these

00:09:54.640 loans out i'm not one of those people that's like you know those are between god the government no

00:09:58.800 i took them out i wanted to go to college i signed the paper that said i would pay them back

00:10:03.140 But explain the logic to me that I owe $13,000 in interest right now on those loans.

00:10:10.400 And I'm gaining $12 a day.

00:10:13.240 Every single day is $12 a day.

00:10:17.600 That's $4,500 roughly, give or take, a year. 0.99

00:10:21.760 Holy shit. 0.98

00:10:23.940 That if I, I'm an elementary school teacher. 0.99

00:10:28.240 Yeah, you are not making that.

00:10:29.540 You are not making that back.

00:10:31.080 i don't make buku's of money and i want to pay my loans back i want to be a good citizen i took

00:10:38.380 them out i want to pay them back but i'm just like how well you got to get a second job in the

00:10:44.060 summer and after school you know men will figure out a way it legal you can never get ahead that

00:10:50.160 way especially when a lot of them are flexible interest rates because they don't tell you about

00:10:55.540 that in college they do not so they just say sign this you'll get a you know you'll get your loans

00:11:00.620 and you're good to go to go okay sure that i can go to college yeah and get my degrees

00:11:05.180 they don't explain to you like oh it's a flexible interest rate which means we can make it whatever

00:11:10.200 we feel like we want it to be in the moment you'll never get ahead because when you do they're going

00:11:14.860 to change the interest rate higher and suddenly all that extra money you paid is going to drop

00:11:19.060 back down i don't know i just i'm just like law i get it i get it like pay your loans back but like

00:11:28.560 And I know there's going to be a bunch of people come on here. You never should have gone in the first place. You couldn't afford it. I'm the generation where they told us we could afford it. I'm a millennial. They told us all we could afford it. Just go to college.

00:11:40.060 Right. But the men didn't sign up for what you signed up for.

00:11:43.360 You'll get you'll get a great job. It'll pay for everything.

00:11:46.680 I know. But again, that's naivety. Right. And you can claim ignorance, but it doesn't take away from the L.

00:11:53.440 i i don't know and i wanted to add to that where i know somebody's gonna say well you became an

00:12:00.800 elementary school teacher of course you weren't gonna make any money no i became an elementary

00:12:03.880 school teacher this year i spent 18 years in the corporate world before that trying

00:12:09.780 to get any of the better high quality climbing the ladder jobs to pay the loans off wait so

00:12:15.580 you're complaining and you went from corporate to a elementary school i still have loans so i don't

00:12:22.120 want to hear anybody say like, oh, you became an elementary school teacher. That's why you can't

00:12:25.720 pay your loans off. You, you chose the bottom of the top of the job. No, I gave up trying to climb

00:12:31.060 the corporate ladder and ruining my life in stress. Oh my God. So she says all that just to come back

00:12:41.060 and say, I became a, I, I have all this money I have to pay back and I'm going to take a lower

00:12:46.540 paying job. Women are incredible. That is incredible. And just gave up and did what I 1.00

00:12:50.640 wanted to do oh my god which has been my dream and i've never been happier being an elementary

00:12:55.700 school teacher i love it it's the best thing i've ever done for myself but i look at these loans

00:13:00.040 and i'm like dang translation i got married and now he's paying my loan for me so anyways i couldn't

00:13:06.760 get the finance guy i got myself a little engineer and now he's paying my loans for me so anyways

00:13:11.600 all right guys um let me know what you think in the comments like the video on your way out and

00:13:15.180 subscribe to the channel thanks so much for watching i'll see you next time

Pearl - May 06, 2026

Women And Their Massive Pile Of DEBT

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