Pearl - July 08, 2026


Women Rack Up Debt Higher Than Their Body Counts

Topics
student loan debt management student loan debt
Brett Cooper FINALLY Admits Women Are Terrible 304s and Girlbosses of The 'Gram

Episode Stats


Length

14 minutes

Words per minute

179.43

Word count

2,664

Sentence count

57

Harmful content

Misogyny

27

sentences flagged

Toxicity

12

sentences flagged

Hate speech

18

sentences flagged


Summary

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

In this episode, we re reacting to women making terrible choices in terms of student loans. We re talking about how to deal with student loan debt, how to pay it off, and what to do about it.

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 .
Topics generated with Qwen2.5-3B-Instruct.
00:00:00.000 all of a sudden just sounds suffocating especially because i have a child and i now understand how
00:00:06.880 expensive that is oh no yes translation my husband's gonna pay this for me and then when i'm
00:00:11.840 done with that i will divorce him and see him never what is going on people today we are doing
00:00:17.520 what we do best which is reacting to women's terrible choices as per usual also if you guys
00:00:22.800 want there's a link in the description for a google form um that you can fill out and we
00:00:28.160 are going to do events in your city fundraising all that kind of stuff so if you want to be a part
00:00:32.640 of it put it in the description because i got to vet you and make sure you're not crazy so anyways
00:00:37.040 all right so today we're reacting to women making terrible choices in terms of student loans i 0.73
00:00:42.160 actually think there's nothing worse that a woman can do i i think women's spending habits are worse 0.77
00:00:47.360 than body count um i know how men feel about body count right but as my experience um just you know 0.91
00:00:55.120 seeing what i've seen in life somebody's always gonna do it when it comes to 30 foes you know um 0.75
00:01:00.320 but uh like the spending habit is really enslaving men so women go to college and they gluck gluck
00:01:08.720 9 000 and then they're really chasing the status and being popular so um they want the title of
00:01:15.600 the student loan stuff and schools have just realized this so they let anybody in they don't 0.97
00:01:20.800 really care if the women learn anything and they just take their money so here's a woman that's 0.99
00:01:24.320 that's talking about our student debt journey. 1.00
00:01:26.140 I just start making student loan payments next week
00:01:28.840 and I am a new graduate CRNA.
00:01:30.560 I have 140-ish thousand dollars in student loan debt.
00:01:34.540 I've been toying back and forth
00:01:35.800 with how I'm going to tackle this
00:01:37.400 because I really don't want to hold onto the debt.
00:01:39.540 I know a lot of people give a lot of opinions
00:01:41.640 and I have weighed some other people's advice opinions.
00:01:44.880 I've posted about this before
00:01:46.200 and I've thought there are multiple ways to do this,
00:01:49.640 but I've ultimately decided that for the time being,
00:01:52.620 want to attack this debt as it stands um my tentative plan is and i will make a subsequent
00:02:01.260 video and i'll post the plan that i chose i chose um i'm pretty sure it's the graduated plan so the
00:02:07.180 payments start low and then they work their way up because i want to keep the monthly payment low 0.97
00:02:12.380 while paying big chunks so again that i'm not giving financial advice if you think that's stupid
00:02:18.300 a few whatever that's what i'm doing but i forget the name of the plan anyways um my tentative plan
00:02:26.460 is to make big payments and i want to pay each loan so i have six or seven yeah so she's trying
00:02:33.420 to get rid of it what do you guys think when it comes to debt do you think you should pay it all
00:02:37.180 at once that's kind of how i am i i like i never let my credit cards go or anything i just i just
00:02:43.820 pay it immediately if i don't have the money i'm not going to buy it separate loans again i have
00:02:48.220 to pull it up because i don't remember off the top of my head i've kind of blocked it out of my mind
00:02:52.060 in a way um but i have looked at it and each the the smallest loan is ten thousand because i want
00:02:58.780 to keep the monthly payment low while paying big chunks so again i'm not giving financial advice
00:03:05.100 if you think that's stupid if you whatever that's what i'm doing but i forget the name of the plan
00:03:11.340 anyways um my tentative plan is to make big payments and i want to pay each loan so i have 0.68
00:03:18.860 six or seven separate loans again i have to pull it up because i don't remember off the top of my
00:03:24.620 head i've kind of blocked it out of my mind in a way um but i have looked at it and each the
00:03:30.060 the smallest loan is ten thousand damn that's the smallest and then the largest loan i think is
00:03:36.380 41 000 because some of them got consolidated by the crazy how it's tough for me to get a business 0.71
00:03:41.940 loan but these they can just take out loans for unlimited amounts of money to go into school
00:03:48.900 department of education i don't know what they really did with it when i was in school
00:03:52.000 i'm gonna be honest they had you know they they did whatever they did with it so my plan is to
00:03:59.520 you know stack cash pay a loan stack cash pay a loan um versus making monthly payments that
00:04:08.180 go to a little bit of each loan um i'd rather completely wipe one loan at a time again that's
00:04:14.540 what i'm tentatively deciding to do um i'm not saying that my choice is right or wrong it's just
00:04:19.180 the choice that i've made um and then eventually you know be able to stack appreciate that she
00:04:25.160 looks poor I see that a black t-shirt no makeup she looks poor I believe you're poor cash to
00:04:31.920 continue doing that until the loans are paid off and I had this soft goal that I would do it within
00:04:37.280 one year and I'm a WT to CRNA I do work a lot of hours though um so it's definitely something that's
00:04:45.320 possible if it takes me longer than a year you know I'm not gonna sweat it but you know let's
00:04:49.240 just say for conservative purposes two years but I'd like it gone less than that so I will you know 1.00
00:04:56.140 continue all right let's see let's see what this lady talking about her debt oh my god 338 that 0.95
00:05:01.120 oh my gosh thousand dollars of student loans it's okay it's fine um because I'm a resident 0.99
00:05:10.580 physician which means in a couple of years I'll start making enough money that will allow me to
00:05:15.540 pay those off in full if I really wanted. In the meantime, however, I'm trying to figure out
00:05:20.540 what to do with these student loans while I'm still in training. The problem is that there's
00:05:24.320 not a ton of really good advice for physicians specifically because people in general don't
00:05:29.860 just go from making like $85,000 one year to $550,000 the next. That's not something that
00:05:35.340 generally happens. My priority in the meantime, while I'm still in training, is to minimize the
00:05:40.240 amount I pay towards my loans because the money that I have to like spend and to save right now
00:05:46.860 is more important to me and valuable to me than making progress on my loan, which frankly, I
00:05:52.180 wouldn't even be able to do. Like if I put the maximum amount I could put towards my loans every
00:05:56.740 single month while still paying rent and utilities and everything, my interest would still be so much
00:06:01.420 that the total balance is going to rise no matter what I do. So it's kind of like why even try.
00:06:05.180 My plan right now, unless anyone would like to voice any major exceptions, is to switch myself into pay before you're not able to on July 1st of this year.
00:06:15.700 There are some nuances with how RAP and pay treat the accumulation of interest that I do not fully understand.
00:06:22.360 So if someone wants to educate me on that, by all means, please go ahead.
00:06:25.720 But the difference between the two plans right now is about $120.
00:06:28.820 dollars so i'd be saving like 1400 more dollars a year by staying on pay until i graduate residency
00:06:35.780 at which time i guess i will figure out if i want to pursue public service loan forgiveness
00:06:40.900 right now i'm thinking no um honestly i just don't trust the infrastructure will remain in place for 0.89
00:06:46.340 the next eight to ten years yeah these women at least she looks poor let's see i will be in over
00:06:56.900 four hundred thousand dollars oh my god 400k but the kicker that's crazy 400k in debt still buying 1.00
00:07:04.180 starbucks here women are incredible you know what i mean is my average interest rate is 8.2 1.00
00:07:12.260 so almost 50 000 of that is interest that i have i just know women would rather go into a hundred 1.00
00:07:18.180 thousand half a million dollars worth of debt than be with yo ass i don't make the rules i just tell 1.00
00:07:24.020 tell you what it is. While in medical school, I feel overwhelmingly stressed out almost to the 0.98
00:07:31.600 point that it's paralyzing. This means during residency, I would have to put nearly $3,000
00:07:38.020 a month on my loans to just cover interest. Now, I think that I can probably manage to put
00:07:47.000 $1,500 a month towards my loans, which means when I finish residency, my debt will have ballooned
00:07:55.600 to over 500,000. And I don't know if you can tell, but it's like making me feel like I can't
00:08:01.680 catch my breath to think about it. And this is something that I haven't really shared with you
00:08:07.060 guys, mainly because it's easier for me to ignore it right now. I make zero money. I can't do
00:08:14.080 anything about it you can't even refinance while you're in medical school and if you refinance to
00:08:20.000 a private lender you do lose the opportunity to do public service loan forgiveness and you
00:08:25.040 also do that because they probably went out of state for school out of state to the best school
00:08:30.800 that they wanted like i would never do the community college route and like live below
00:08:36.160 their means federal protections like income based repayment etc i'm not sharing this to
00:08:42.080 scare you guys. I think that I just haven't been super honest about it. And it has been weighing
00:08:48.880 on me to such an extent that like I'm studying for step two right now. And it is genuinely like
00:08:55.580 this intrusive, terrifying thought that I cannot get out of my head. And going into this, I knew
00:09:05.600 I was going to take out debt. We don't have an extra 70, $80,000 a year to pay for medical school.
00:09:12.080 but it didn't scare me as much four years ago. I think that I'm just getting older. I'm 35.
00:09:21.280 My husband's 38. And knowing that I'm still going to be kind of like digging myself out of a hole
00:09:28.720 for 10 years after residency, which is 15 years from-
00:09:33.200 That's funny because statistically she'll quit.
00:09:35.420 right now all of a sudden just sounds suffocating especially because i have a child and i now
00:09:43.500 understand how expensive that is oh no yes translation my husband's gonna pay this for me
00:09:48.780 and then when i'm done with that i will divorce him and see him never so to be able to provide
00:09:56.220 so much for them and i also really want another child i am not gonna come on social media and cry 0.54
00:10:03.180 about my own decisions just but then she's gonna do it gaslight want to make sure i'm sharing the 1.00
00:10:09.420 full picture of this i told you guys yeah yeah okay let's let's see this lady right here the 0.70
00:10:15.180 reality of student loan debt so i just did some absolutely horrific math i was looking at my
00:10:20.780 student loans and how much i owe and i just want to give you a little example of how horrible these
00:10:27.260 and crippling these student loans can be for a lot of people. So the principal amount of money
00:10:33.600 that I owe the federal government at this point in my life is $396,945.67. That number already is
00:10:43.660 insane. Okay, but all right, here comes the scary part. The current interest rate on that loan for
00:10:51.480 me is 5.875% per year. So that breaks down to $1,943.38 of interest that grows on my principal
00:11:06.480 amount per month. I'm looking at the numbers. That's why I keep reading something. But okay,
00:11:12.400 So I owe just about $2,000 of interest on my loan.
00:11:16.700 Now, what should she say?
00:11:18.520 Now, as a resident.
00:11:20.520 Will she blame the system, right?
00:11:22.020 Or blame herself?
00:11:24.720 Who will she blame? 1.00
00:11:26.320 What do women do? 1.00
00:11:28.900 Blame the system or blame oneself? 1.00
00:11:33.820 System or self?
00:11:35.620 Let's see.
00:11:36.200 And I make right now $4,054.98 per month. Okay. So based on those numbers, the amount of interest
00:11:47.400 per month that I owe comes out to be 47.9% of my current monthly paycheck. And that's the interest.
00:11:56.860 I'm not making any progress on the principal loan. And that's if I put half of my paycheck
00:12:04.000 towards this loan are you kidding me that is a crazy amount of money and like i get
00:12:10.720 i didn't have signed something you didn't understand and it's so crazy because she
00:12:13.840 doesn't look poor i'm so tired of women that don't look poor like again if you're saying this stuff 0.81
00:12:18.640 i expect you to look poor eventually as a physician as an attending physician i will be able to pay 0.55
00:12:24.960 this off um but right now our goal is to just pay off the interest every year so that the second i
00:12:30.720 i get my full attending paycheck we can start actually making progress on this loan but i just
00:12:36.220 think this is so ridiculous honestly like if that is such an insane you know what though like do you 1.00
00:12:43.800 know what it's it's crazier because she's probably gonna quit most women do don't um stay in medical 1.00
00:12:51.680 for that long so i bet you just find you a rich doctor honey you're cute enough amount of money 1.00
00:12:56.880 and like we make so little as residents and like how would i even this would grow to be if i didn't
00:13:03.300 pay any of this interest off this would end up being like 600 000 by the time i was done residency
00:13:08.080 that's crazy what is this so i just did some absolutely horrific math life now yeah they
00:13:15.740 always do the math after the party so they they sign up for the party they have all the fun and
00:13:21.020 then they do stuff and i owe 43 000 for college i just graduated from nursing school in may and i
00:13:29.180 was like you know let me look what's the total what's the damage 43 000 freaking dollars is the 0.99
00:13:34.600 damage so if you know me and used to be posting up on here like a freaking idiot and you're a lot 0.99
00:13:41.800 of these women they're gonna pay it through sex work a man's like gonna pay it either directly 0.99
00:13:45.620 or indirectly um so it's either gonna be dad a husband or family it's usually not um you know 1.00
00:13:51.560 it's just women don't usually go from making bad decisions to good decisions um go judge me whatever 0.99
00:13:57.060 it's because i'm trying to get paid from here i owe 43 000 to the freaking government 1.00
00:14:02.660 for my degree so you know if you have any other tips and tricks on paying down your freaking
00:14:11.400 debt so that i'm not oh in the government for the rest of my life that would be great thank you i
00:14:18.200 yeah i just went and looked and i hope um look uglier i see botox i see lip filler i see
00:14:25.640 nice clothing um yeah so if you have a lot of debt um i expect you to look poor that's all
00:14:30.120 i'm saying so anyways all right guys let me know you think in the comments what is the most
00:14:34.280 debt that you know a woman has put it in the comments and have you dated a woman with debt
00:14:38.840 how she ever tried to make you pay it like the video subscribe and click the form in the description
00:14:44.840 i'll see you next time