The Ramsey Show We’re $100K in Debt and Living in a Camper
Feb 4, 2026
Callers bring intense money crises and practical fixes. Conversations cover $100K camper and truck debt, whether to sell or keep assets, and aggressive snowball plans. Listeners ask about Parent PLUS versus credit cards, fixing a 25% auto refinance, recovering after a $60K scam, and helping family without enabling.
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Prioritize Housing Stability And Cut Vehicle Payments
- Sell the truck first and free the $1,200 monthly payment to accelerate debt payoff.
- Rent a safe, affordable place so you can sell the camper and stop sinking money into depreciating housing.
Keep Paying Parent PLUS While Snowballing
- Treat deferred Parent PLUS loans like active debt and make at least the suggested payments.
- Use the debt-snowball: pay smallest debts first while making minimums on the rest.
Help Only With Clear Conditions
- Set strict boundaries before helping family: require they ask for help and commit to change.
- Avoid unconditional bailouts that enable poor choices and create resentment.
