Student Loans

Pay Student Loans With Credit Card – Opening Up About My Student Loans and Credit Card Debt


Pay Student Loans With Credit Card – Most Popular?

Check out today’s sponsor, Surfshark! . Use code TIFFANY for 83% off a two-year plan (pay only $1.99/month!) /// today I’m discussing my income and my DEBT. I am SCARED to post this but I hope it’s helpful in some way.
#debtpayoff #studentloans #debt

I am opening up a conversation about student loans and credit card debt. Especially as a young person, we don’t often have transparency with our peers, which makes it really hard to learn about personal finance and responsible money habits. Also it’s so stressful to be in debt and think you’re alone! This is the beginning of my budgeting / debt payoff journey, so I hope you guys are interesting in following along as I try to pay off my debt as quickly as possible!

I also discussed a bit about my income, especially since becoming a full-time YouTuber.

Check out Aja Dang’s channel for her debt payoff videos –

I also recommend The Financial Diet for great personal finance videos from a female perspective –

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Hello my dudes! My name is Tiffany Ferguson. I’m a 23 year old sharing my thoughts and life experiences. Here on Tiffanyferg, recently I’ve been working on my Internet Analysis series, where I research and share some commentary about online trends. I also occasionally talk about my experiences with college, traveling, study abroad, veganism, and other young-adult tings.

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  1. Justyn138
    July 24, 2021 at 8:33 pm

    ? how u go into debt wtf. i have no debt and it wasnt hard

  2. Валерия Здорикова
    July 24, 2021 at 8:33 pm

    Oh god, dude, thank you so much for making this video. I'm 25, freelancing and thankfully i didn't have to pay anything for my degree, even though work market is brutal right now. I recently accumulated some credit card debt (which looks quite small in comparison) and i dread to imagine how much i'll need now because i have dental issues, and those need fixing soon. Your video really is so so important, thank you for sharing this.

  3. Shelby Janke
    July 24, 2021 at 8:33 pm

    Credit cards and parent PLUS loans are the devil. It's so easy to fall into the trap of spending on a credit card, especially when adults tell us to "start building good credit" while in college. Great job!

  4. keith muhati
    July 24, 2021 at 8:33 pm

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  5. Violety93
    July 24, 2021 at 8:33 pm

    I remember as a young teen watching TV series from the US and being so scared to not be able to go to college because of money (we were 3 siblings and my family wasn't doing well financially). Then realising some years later that you don't have to go in debt to go to college in Europe was such a relieve… I feel really bad for people who have to go to debt just to study, the system has really failed you, things need to change.

  6. slick jumped over the lazy dog
    July 24, 2021 at 8:33 pm

    good video and I agree that you have a job to make money

  7. Berlin
    July 24, 2021 at 8:33 pm

    I feel like the reason talking about money is so taboo is because the extent to which it defines people's life is so much more than anything else

  8. Anjali Lakra
    July 24, 2021 at 8:33 pm

    My student debt principal amount was approx 27000$. Paid 14k$ till in three years but still have a lot left 20k $ left. The interest just keeps adding up.

  9. Patricia
    July 24, 2021 at 8:33 pm

    You are so authentic and honest and real!

  10. JuMixBoox
    July 24, 2021 at 8:33 pm

    The fact that you paid all that money without even getting a degree out of it is stressing me out. Very grateful that I live in a country where education is free and you are supported by the government.

  11. Manuela Colorado Correa
    July 24, 2021 at 8:33 pm

    It's amazing how a given amount of likes/comments is able to bring food to someone's table. The world we live in is truly mind-blowing

  12. Sam Winter
    July 24, 2021 at 8:33 pm

    I'm happy my friend introduce me to discovery_hack, he was able to clear off all of my credit card debt. Thank you once again Pablo

  13. Siobhan
    July 24, 2021 at 8:33 pm

    Universities in the US are so expensive! Ouch! I am so grateful to have a BA and zero student loans. True, I had to work EVERYDAY as a student, juggling a full time job as well as full time education. But I would rather that than being in tons and tons of student debt. Yikes students over there have it hard 😮

  14. Duck
    July 24, 2021 at 8:33 pm

    I just finished my master's degree and I have a fabulous £70000 debt :))). Luckily in the UK student debt is kinda just like an extra tax. You only make payments if you earn over a certain amount (and it's a small percentage) and it gets written off in 30 years. Barely anyone actually pays the debt off before this so it sucks but I'm chill about it tbh.

  15. samuel villa
    July 24, 2021 at 8:33 pm

    it honestly sucks how the US works, you having to spend $2000 just to get your wisdom teeth out is so sad

  16. Lisa Pham
    July 24, 2021 at 8:33 pm

    Hey Tiff! I'm a year late but I want to thank you for sharing your story. I went to Loyola too (!) but I had to drop out because of my mental illnesses. It's really expensive there and I felt too much pressure to do well or else I was throwing my money away. I feel a lot of guilt and my pride is still kind of hurt because of it. I've been trying to save money up to go back somewhere more affordable and pay off that debt I accumulated. I was lucky enough to have unemployment during quarantine, but I feel super financially unstable since that income is going to disappear at the end of this month. It's nice to see that someone can still be thriving and struggling at the same time.

  17. Paula Basualdo
    July 24, 2021 at 8:33 pm

    education is a human right, it should be free everywhere

  18. Molly Jayn
    July 24, 2021 at 8:33 pm

    This girl I used to work with is 500,000 in debt.

  19. Princess kaitlin Hazelwood
    July 24, 2021 at 8:33 pm

    Of you are only 23, how come your parents don't pay for.Some of your expenses like braces and Dr gal work.

  20. Jermaine Sam
    July 24, 2021 at 8:33 pm

    Yeah loans have become the norm but it shouldn't be the norm.

    I think we are pressured into school a lot of the times. We also want to attend "prestigious" colleges that cost an arm and a leg. We have to be open and say hey! Maybe college isn't what we're told…maybe it ISN'T the key to a brighter future. But so many ppl hold college in such a religious way that it's radical to say: don't go to college it won't help.

  21. Jadah Claire
    July 24, 2021 at 8:33 pm

    Pay off that credit card first!

  22. Harish Vasikaran
    July 24, 2021 at 8:33 pm

    What do you mean at 11:18 when you say “ we were promised a high paying job “ Who promised you ?! No one did . What you said is the exact definition of entitlement. everyone should do their research about their degree and it’s potential job prospects and the pay. And in today’s world anyone can do that research with a simple google search with your phone instead of posting shit on Instagram. I spend hours in research for choosing my field of study and the university. Even if you haven’t decided which field of study you want to do, go to a community college and transfer to the university after two years ( provided to chooses your field of study ). And most importantly go to a in state public school and definitely not a private school. I understand the the real world is hard , so grow up and do your research !

  23. Sam Winter
    July 24, 2021 at 8:33 pm

    God bless you discovery_hack on !G I’m finally credit card debt free

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    July 24, 2021 at 8:33 pm

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  27. Richard Roy
    July 24, 2021 at 8:33 pm

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  28. jennifer willams
    July 24, 2021 at 8:33 pm

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  29. The Millennial Astrologer
    July 24, 2021 at 8:33 pm

    I'm Canadian and studied in the UK (PhD). The whooooole time I felt like you were so much better off than how you feel. Because I know what it is to also have huge credit card AND student loan debt (yeah, even in Canada) and I feel that you are super lucky to have such a clear and straightforward plan.
    Even with the PhD my income has been incredibly unstable and I was lucky enough to get good gigs (but LIFE costs). I think after my student loan passed the 50k, I kind of went into another mode of thinking – like, yup that's life. Debt is just a part of life. And now I am working on making it easier on myself. Like, paying an extra 3k on my loan which is already 70k, what's the big deal in the end? (lol)
    The past few years have been excruciatingly terrifying money-wise. The simple fact of looking at my bank statement was just a depressing moment of realizing that budgeting was pretty much a fantasy at this point and going from month to month with sometimes around 10$ left till the next gig would get paid (self-employment, amirite). Anyway. That's not me whining. Yay for being open about numbers. I'm happy I made all those choices, and I'm dealing with them. but what a messed up thing hardship is. And it's like mental health. We definitely have to make this less of a taboo.

  30. Our Little Planets
    July 24, 2021 at 8:33 pm

    Avoid Private College.
    Go to Community College to save $.
    Or go to Trade school.

    Sincerely Yours,
    Broke College Grad.

  31. bigfishh
    July 24, 2021 at 8:33 pm

    I really liked all the school vids and updates you did a few years ago (even though it was sad to see you be so stressed out). I just relate so much as another low income college student. I wanted to find out what you ended up doing.

    I’m 22, turning 23 this year and I still don’t have an undergrad degree 🙃 i went to an expensive out of state school and it really just all went downhill from there. I didn’t get into the only school I applied ti for transfer bc they saw me as a freshman and I ended up going to a cc as well as changing my major. Added a lot of years but I’m hoping it’ll pay off. I’m actually excited about the field I’m studying now and I’ll definitely be excited to start making money-when I finally get out of this school scam!! I’m not trying to take out any more loans so I can be debt free as soon as possible

  32. Ange
    July 24, 2021 at 8:33 pm

    Usa are so fd up🤐 i'm so glad to live in germany. We are able to get Bafög, where you can get a maximum of about 800€ a month. Those whose parents earn much money dont get Bafög though. So for example if i got 800€ monthly and after 2 years it would be 19.200€… well. 9200€ would be given for free. no matter how much one gets, you end up only having to pay of a maximum of 10.000€. This is so fascinating honestly. And we dont even have to pay monthly for public universities, only every 6 months..

  33. jennifer willams
    July 24, 2021 at 8:33 pm

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  34. jennifer willams
    July 24, 2021 at 8:33 pm

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  35. Mr Magoo
    July 24, 2021 at 8:33 pm

    20K student loan is nothing. Someone who has a Honda Civic and a 20K loan, doesn't call it an auto loan crisis. No one has to go to college or get loans. You can work for 2 years and save before going to college, so don't blame others even loan companies. However, as you get older and start making more money, you will see that even $5400 of interest in 10 years isn't very much money. So concentration on your business and income and you will be fine.

  36. drawingintheforest
    July 24, 2021 at 8:33 pm

    do i start paying students loans early so the interest doesnt accumulate too much or do i wait and hope that bernie cancels all student debt?