Dr. John Deloney

She was a gift. She was a cup of cold water in the desert. It was after just a long, long day. And so you can help people heal on the job site when y'all are pouring concrete. So this idea that you have to be a licensed mental health professional and you have to go into $40,000 of student loan debt on top of the 40 you already have out there, that's just unwise.

She was a gift. She was a cup of cold water in the desert. It was after just a long, long day. And so you can help people heal on the job site when y'all are pouring concrete. So this idea that you have to be a licensed mental health professional and you have to go into $40,000 of student loan debt on top of the 40 you already have out there, that's just unwise.

She was a gift. She was a cup of cold water in the desert. It was after just a long, long day. And so you can help people heal on the job site when y'all are pouring concrete. So this idea that you have to be a licensed mental health professional and you have to go into $40,000 of student loan debt on top of the 40 you already have out there, that's just unwise.

And I had a graduate advisor that says, if you are sitting in a clinical chair and you don't know how you're going to pay your bills, you cannot sit across from somebody and say, I can help you because you're not whole.

And I had a graduate advisor that says, if you are sitting in a clinical chair and you don't know how you're going to pay your bills, you cannot sit across from somebody and say, I can help you because you're not whole.

And I had a graduate advisor that says, if you are sitting in a clinical chair and you don't know how you're going to pay your bills, you cannot sit across from somebody and say, I can help you because you're not whole.

So... What does that mean? That means get this 40 grand paid off as soon as possible. See if you can find some side work working in or around counseling offices or social work offices or in children's homes or in boys' ranches or things like that where you can work with people. Make sure this is what you want to do.

So... What does that mean? That means get this 40 grand paid off as soon as possible. See if you can find some side work working in or around counseling offices or social work offices or in children's homes or in boys' ranches or things like that where you can work with people. Make sure this is what you want to do.

So... What does that mean? That means get this 40 grand paid off as soon as possible. See if you can find some side work working in or around counseling offices or social work offices or in children's homes or in boys' ranches or things like that where you can work with people. Make sure this is what you want to do.

And then get a job at a local university as a housing director or something, and they will pay for your graduate degree. But don't double your debt load. in order to do this one particular job when you can help people heal in a number of different capacities.

And then get a job at a local university as a housing director or something, and they will pay for your graduate degree. But don't double your debt load. in order to do this one particular job when you can help people heal in a number of different capacities.

And then get a job at a local university as a housing director or something, and they will pay for your graduate degree. But don't double your debt load. in order to do this one particular job when you can help people heal in a number of different capacities.

Welcome back to The Ramsey Show. I'm John Deloney, joined by Rachel Cruz. Let's go out to Albany, New York, and talk to Jessica. Hey, Jessica, what's going on?

Welcome back to The Ramsey Show. I'm John Deloney, joined by Rachel Cruz. Let's go out to Albany, New York, and talk to Jessica. Hey, Jessica, what's going on?

Welcome back to The Ramsey Show. I'm John Deloney, joined by Rachel Cruz. Let's go out to Albany, New York, and talk to Jessica. Hey, Jessica, what's going on?

How's it going?

How's it going?

How's it going?

Of your money back to you. That drives me crazy.

Of your money back to you. That drives me crazy.