<prompt> Human: More information: the debt was student loans, they didnt say if they were federal or private. She and a masters degree in counseling and needed to get 1500 hours of counseling hours before she could get certified. Getting certified would double her income to around 100k. He was a graphic designer. I assumed they were young given the just out of school tone of the questions.It was Dave Ramsey.  <response>: You have to remember that Dave Ramseys whole persona is filled with religious overtones. I am not sure how fundamentalist he is because I dont listen to him but many christians take the be fruitful and populate the earth bit very seriously. It kinda makes sense if you look at it as do you want to be wealthy in this life, or be in Gods favor in the next. It could also make sense if all that debt is federal loans, because they have protections such as income based repayment plans, which take family size into account. Issue is, I dont think all of that could be Federal loans only. 