<prompt> Human: Im a senior in high school and required to take Dave Ramseys personal finance class online. How realistic is what he says? I like the idea of remaining debt free, but when college is thought about Im unsure its possible.  <response>: I like his guidance but I dont follow him 100. The premise he provides was something I learned the hard way and found myself doing on my own anyway. His teachings are pretty solid in paying off debt, but I think learning about leveraging debt and utilizing other programs, including Ramseys, isnt a bad idea 