and ill-fitting sport jackets, i had a secret. my wife patty and i were almost $200,000 in debt. [baby cooing] what are you doing right now? - i'm going to pay my loans. i just got notice that they're due. - that's patty. like all of us, patty has made a lot of decisions in life, and maybe not all of them showed great judgment. but deciding to become a psychologist to help veterans with ptsd seemed like a good one. - with graduate school, i thought, i'm going to graduate and be a doctor. i'll get a good job and make a lot of money and pay those off in no time. but i didn't understand that pretty much every penny i earned was going to be going to my student loans. i feel like i'm never going to catch up. - with four separate loans, our total payment each month was nearly $2,000. but this isn't just about the numbers. - the loan companies are certainly evil and, you know, pull things all the time.