{"id":17387,"date":"2020-10-31T10:56:00","date_gmt":"2020-10-31T14:56:00","guid":{"rendered":"https:\/\/www.shortform.com\/blog\/?p=17387"},"modified":"2020-11-11T18:26:57","modified_gmt":"2020-11-11T22:26:57","slug":"dave-ramsey-student-loan-debt","status":"publish","type":"post","link":"https:\/\/www.shortform.com\/blog\/dave-ramsey-student-loan-debt\/","title":{"rendered":"Dave Ramsey: Student Loan Debt is a Last Resort"},"content":{"rendered":"\n<p>What is the Dave Ramsey student loan debt ideas? How does <em>Total Money Makeover <\/em>suggest paying for college instead of loans?<\/p>\n\n\n\n<p>According to Dave Ramsey, student loan debt is too often taken on unnecessarily. It should be a last resort.<\/p>\n\n\n\n<p>Read more about Dave Ramsey, student loan debt, and how to pay for college.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Dave Ramsey: Student Loan Debt<\/h2>\n\n\n\n<p>While most people think college is important, most don\u2019t save for their children\u2019s college education, and they end up taking out huge loans (which people think is \u201cnormal\u201d).&nbsp;According to Dave Ramsey, student loan debt has been normalized in this way.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.shortform.com\/blog\/how-to-save-money-for-college\/\">Save for college<\/a> and pay cash. The most effective vehicles for saving for college are an ESA (Educational Savings Account), which is like an IRA for education, and a state 529 plan.&nbsp;<\/p>\n\n\n\n<p>College tuition increases faster than inflation, at about 8% versus 4%, so when you save for college, you need to factor in tuition inflation. There are tuition prepayment plans, but they just break even with inflation.&nbsp;<\/p>\n\n\n\n<p>You can do much better with an ESA funded in a growth-stock mutual fund\u2014like an IRA, it will grow tax-free. Here\u2019s how it compares to a prepaid tuition plan:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>If you invest $2,000 a year from your child\u2019s birth through age 18 in a prepaid plan, you\u2019d have $72,000 for tuition.<\/li><li>An ESA in mutual funds returning 12% would generate $126,000 tax-free. It would take only $166.67 a month to save $2,000 a year, and in 18 years, you\u2019d have enough to send your child to an expensive college. But you could still probably afford a typical college if you started investing when the child turned 8.<\/li><\/ul>\n\n\n\n<p>If you need more, also consider a state 529 plan, which similarly allows you to invest money tax-free for your child\u2019s education. There are several types of 529 plans\u2014stay away from the \u201clife phase\u201d (poor returns) and the \u201cfixed portfolio\u201d plans (too restrictive). The best option is a \u201cflexible\u201d plan that allows you to move your investment within a family of funds to get better performance. According to Dave Ramsey, student loan debt is a last resort and you should try planning and having smarter investments. Or used the tips below for lowering costs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>A Financially Smart Approach to College<\/strong><\/h3>\n\n\n\n<p>According to Dave Ramsey, student loan debt is often taken on because of the pressure of attending college. While society may overemphasize college, higher education <em>is<\/em> important and an element of success. Here are three steps for making a smart decision about college:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Research the cost of attending college at various sizes and types of schools:<\/strong> Remember, a degree from an elite school matters less than it used to. It\u2019s irrational to incur $75,000 debt for a degree, when the same one from a state school reflects the same knowledge and can be funded out of pocket without going into debt.<\/li><li><strong>Pay cash:<\/strong> Don\u2019t take out loans for college; there are ways to fund college without loans. We\u2019ve come to accept student loans as normal, believing that you can\u2019t go to college without loans. Students today graduate with an average $25,000 to 27,000 in loan debt. Once you have college loans, they\u2019re difficult to get rid of, so don\u2019t get started with them.<\/li><li><strong>Control college expenses: <\/strong>Too many student loans are used to pay for an expensive off-campus standard of living. It\u2019s usually more economical to live on campus and eat in the cafeteria.<\/li><\/ul>\n\n\n\n<p>Whatever you do, don\u2019t fall for the myth that the only way to afford college is by getting loans. As stated by Dave Ramsey, student loan debt is not necessary.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is the Dave Ramsey student loan debt ideas? How does Total Money Makeover suggest paying for college instead of loans? According to Dave Ramsey, student loan debt is too often taken on unnecessarily. It should be a last resort. Read more about Dave Ramsey, student loan debt, and how to pay for college.<\/p>\n","protected":false},"author":6,"featured_media":1751,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[15,31],"tags":[147],"class_list":["post-17387","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education","category-money","tag-the-total-money-makeover","","tg-column-two"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dave Ramsey: Student Loan Debt is a Last Resort - Shortform Books<\/title>\n<meta name=\"description\" content=\"Do you have student loans? It may seem common, but according to Dave Ramsey, student loan debt is unnecessary. 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