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rob is with us in Pennsylvania hey Rob welcome to the Dave Ramsey show hey Dave thank you very much for taking my call my honor sir how can I help um I just finished a Total Money Makeover and Im starting Im about to start baby step two I am one of those people that is crippled by student loan debt Im currently sitting around 118 thousand dollars in debt on student loans I went to one of those fancy private colleges I have about twelve thousand dollars on a car loan or sure degree hundred dollars it was gonna be history education gonna be you didnt graduate well I did but when my last semester came to student teach the student loan department said that they werent sure that I was gonna be able to pay back the money with the degree that I earned so they kind of dropped me so I ended up you know going through finding work so you never got $40.00 ikut I never did but I did go back and I finished my history degree I paid cash for the last class I needed and I ended up finding myself i