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Financial expert Dave Ramsey dropped some hard truth on Fox News Sunday that every American parent needs to hear. The popular money guru told viewers that our massive student loan problem is really about failed parenting, not just bad government policy. Ramsey has helped millions of families escape debt, so when he speaks about money, smart people listen.
Student loan debt in America has exploded to a crushing 1.8 trillion dollars as of 2025. That number has tripled in just 17 years, destroying the financial futures of an entire generation. One third of borrowers now say their college debt was not worth the cost, proving that our higher education system has become a massive scam.
Ramsey believes parents have abandoned their duty to teach kids about money before they leave home. Too many moms and dads let their 18-year-olds sign up for massive loans without understanding what they are getting into. These teenagers walk into a financial trap that will haunt them for decades because their parents failed to prepare them.
The real problem is that families have stopped taking responsibility for their children’s education and future. Parents used to save money, research career options, and guide their kids toward smart choices. Now they just hand over the paperwork and let the government and colleges take control of their family’s finances.
This crisis shows how liberal policies have weakened American families and personal responsibility. The government makes it too easy to borrow money for degrees that often lead nowhere. Young people graduate with huge debts and worthless diplomas while colleges get rich off taxpayer-backed loans.
Ramsey’s company even made a documentary called Borrowed Future that exposes how the student loan industry preys on families. His message is simple but powerful: parents must step up and protect their children from financial predators. Good parenting means teaching kids to avoid debt and find better paths to success.
Conservative families understand that real education starts at home with values like hard work and smart money choices. We need parents who will say no to bad debt and yes to practical career training. Trade schools, apprenticeships, and debt-free college options exist for families brave enough to choose them.
America’s student loan disaster proves what happens when government replaces parents and responsibility disappears. Ramsey is right that this is a parenting crisis first and a money crisis second. Strong families who teach financial wisdom can still raise successful kids without destroying their futures with debt.
