Dad Promised To Help Pay Off $100K In Student Loans She And Her Husband Accrued, But They Cut Ties Anyway. The Debt Is ‘Looming’ Over Their Heads
- Finance
ThePostMaster- 0
- 7 minutes read
For one young family, a six-figure student loan balance has become impossible to ignore. She and her husband are staring down $100,000 in student loan debt after cutting ties with her father, the same person who had promised to help pay it off.
The loans had only just entered repayment when the family relationship fell apart. This is the situation that Charlotte shared during a call to “The Ramsey Show,” where she explained how quickly everything unraveled. What Charlotte thought would be a shared burden suddenly became theirs entirely. “I don’t want this to be looming over our heads,” she said. “I just want it out of my life.”
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Charlotte’s husband earns a little over $100,000 a year practicing law. She brings in just over $20,000 working part-time after welcoming their first child in October. On paper, the numbers work. Emotionally, it is much harder.
The debt is tied to more than tuition bills. It represents broken trust, grief, and expectations that collapsed all at once. Charlotte explained that her father had said he would help cover the loans, including her husband’s law school debt. That promise disappearing at the same time as the relationship made the balance feel heavier.
Hosts George Kamel and Rachel Cruze did not sugarcoat the math. If the couple lives on about $60,000 and throws the rest at the loan, they could be done in less than two years. “You’ve got to live like a broke law student and not like a lawyer,” Kamel said.
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That kind of lifestyle reset is not easy, especially with a newborn at home. But the hosts framed it as temporary. Kamel reminded Charlotte that her child would not remember this stretch. “It’ll be a memory for you guys,” he said. “Remember that time we worked our tails off for two years to get to a place of financial stability.”
Because the loan has a substantial $100,000 balance, motivation can wane. The hosts encouraged celebrating progress along the way. Every $10,000 paid off deserves acknowledgment, even if it is something small.
There was also a deeper layer to the advice. Cruze said that the debt itself had become a reminder of the fractured relationship. Paying it off faster could result in emotional relief, not just a lower balance. Charlotte agreed. She said she did not want the situation to drag on as a constant reminder of how things fell apart.
