Dave Ramsey ch5 case studies Maggie is a high school senior who just received her college financial aid award packet in the mail. While her mom watches, Maggie excitedly opens the envelope. She sees that she has received grants, scholarships, and student loans. The thought of taking on debt makes Maggie a little nervous. Her mom tells her that student loan debt is normal and that she will have more time to focus on studying rather than having to work a part-time job in college. Is her mom’s advice the same advice you would give her? Explain what your advice would be.