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Full Episode
Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love. and create actual amazing relationships. Dr. John Deloney, Ph.D. in counseling, number one best-selling author and host of the Dr. John Deloney Show on the Ramsey Networks. He's my co-host today. Open phones here at 888-825-5225. Well, it's official.
Now we get to start saying Merry Christmas, right? I mean, some people start just before Halloween. And then others start right after Labor Day. But I think we're close enough now we can officially say Merry Christmas.
It was the day after Thanksgiving. My son and I were going hunting. It was 4 a.m. And every channel had Christmas music on it. And I was half asleep. And I said, I can't take this. And he said, Dad, in his half-asleepness, it's the happiest time of year, isn't it?
It's too early for Christmas music. Too early. The sun's not even up. Todd's in Boston, Mass. Hey, Todd, welcome to the Ramsey Show.
Hey, Dave. Thanks for having me. I really appreciate it. Sure.
How can we help?
So I just learned of you a few days ago. My sister listens to you religiously and told me I should call you regarding my situation. Okay. So earlier this year, I went with a debt settlement company to handle much of my debt, which is primarily student loans and credit cards.
Um, unfortunately just recently I went into default with one of my student loans and that is through Naviant, which is now Mohella. And what they, uh, offered me was something that's outside of my budget. Um, and my father is a co-signer on the loan as well. And I'm just trying to find out of ways of how I can negotiate something with Naviant to help me make the payments that I can afford.
or what other avenues I can take.
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