Brittney loves people. Throughout high school, she volunteered at the Red Cross. During the summers, she worked at social service organizations and saved for college. She has two years of college left, and she’s out of money. She’s going to a state school. Even so, the two-year tab for tuition, room, board and books is nearly $20,000. She can borrow tha tsum through low-interest student loan programs. She knows about Dave Ramsey and has asked you what he might advise her to do.