When you guys

go home and you're talking to your wife, who are the people like, man, they seem really, we should get lunch. Yeah. And then be weird and send the text, make the phone call, and then you're going to develop new relationships over time. And it's still going to be weird and awkward. And it's always going to be weird. And go anyway. Thanks so much for the call. Great conversation, Brandon. More of your calls coming up. 888-825 This is The Ramsey Show.

Hey guys, this is Jade Warshaw. Listen, I get it. The student loan situation is bananas, but it's time to make progress, not excuses. So if your payment and interest rate have you treading water, refinancing could be the solution for you. Look, if I were in your shoes, I would contact Laurel Road today and get a free 30-minute consultation. You'll work with a student loan expert and you'll go over your refinancing options. Hey, for refinancing to make sense, you've got to check certain boxes, like making a good income. And bottom line, Ramsey's advice is that you only refinance if you can get a lower rate or a shorter term. Remember, the point is to pay off debt faster. Maybe you just need to keep rocking the debt snowball. But if refinancing does make sense for you, Laurel Road offers low competitive rates and interest rate discounts are available for stuff like auto pay. Listen, you can't mess around with student loans. If you want them gone, you got to go hard. So go to laurelroad.com/Ramsey to find out more and schedule your free 30 minute consultation. That's laurelroad.com/Ramsey. Laurel Road is a brand of Key Bank National Association.