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paid $20, 000 in student debt
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It has been my #1 goal since I finished college in to pay off my $20, 000 in student loans as fast as possible. I FINALLY PAID IT OFF! When I finished school I had about $5000 in (yes I said $5000) and $15, 000 in student loans. That is a total of $20, 000 of debt to pay off, which was a lot of money to pay off in a short amount of time. I hated being in debt and wanted to get myself out of the hole as quickly as I possibly could so here is what I did: The first year out of school it took me a few months to find a job and when I did I was making about $15/hour. By the end of the year my income totaled about $15, 000. Since I was living with my boyfriend my rent was really cheap so I knew I had a great opportunity and decided I had to pay off as much of the $20, 000 buy cialis fedex shipping as I possibly could. I continued living as if I was a student. I didn't allow myself to get used to the life I was living before going to school. Whenever I got a paycheck I would pay off all of the bills that needed to be paid. I would calculate roughly how much I needed to keep for food and traveling expenses, then I would pay the minimum required for the debt that had the lowest amount of interest (my student loan) and [buy cialis fedex shipping] pay as much as I could towards the account that had the highest amount of interest (my credit card). Usually woudl mean paying $200 to $300 per week (I was paid weekly). One day I received an offer in the mail for a credit card that had an introductory offer that only charged 1. 9% interest on any for one year. I signed up for this credit card and transferred all of my credit card debt to that account. I cut the card up so that I could not use it and calculated the minimum amount that I would have to pay each week in order to pay it off within the year. I started paying $35/week on this 1. 9% interest card and it allowed me to turn my attentions towards my student loan. I paid the credit card off within the year (a little bit early) and closed the account as soon as the balance was paid off. I still had my original credit card throughout this time for online purchases and credit score reasons. In the second year (2006) I made about $25, 000 and continued living as a student. My rent did go up a little bit but so did my income so that made up for it. I had my credit card debt completely paid off and was working on getting my student loan down to 0. This year (2007) my income has increased so I have been able to make larger payments. To get my debt down to 0 I kind of cheated a little. I work on a freelance/contract basis so I decided to take the money that I was saving for taxes and put it towards the last $4500 that I owed on my debt. I paid the last of my student loan a few days ago, and am currently not paying a cent in interest for the first time in almost 10 years, but still have to save up an extra $4500 before the end of the year for taxes, which is very doable. During the time that I was paying down my debt, I was also on an automatic so now that my student loan is down to $0 I also have over $5000 in savings which will help me reach my next goal buy cialis fedex shipping, which is to buy a house that I can use as an income property. after paying off student loan As it stands right now my total savings minus my tax "debt" is around $1200, which is amazing considering it was -$20, 000 2 years ago. It can only go up from here! I realize that many people will be much further in student debt than I was by the time they finish school, I also know how hopeless it can feel when you are starting that long road to paying your student debt off. Buy cialis fedex shipping once you get there it will be all that much sweeter! it was a long road for me but it was so worth it in the end. If you liked this article, you may also be interested in "".


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