Student Loan Repayment

Got the usual annual letter from Direct Loan Servicer for my student loans. Last year, the letter really pissed me off because of the substantial increase in the interest rate. Yeah I got one of those variable rate loans (at least I was lucky enough to get one with deferred interest). Anyway, I was so pissed I nearly refinanced my loan. Well am glad I didn't because 2 things happened:

the interest rate on my loans dropped about 3% for the next year. I guess the failing economy/high gas prices is good for more than reducing road accident fatalities
I realized that I had just $8000 and change left of my student loans (started with about $22,000)

So today, I sent in a 1-time payment for $5000. Next paycheck, I am paying the rest off! Would be nice to live without that monthly direct debit from my account!

How did I get 2 degrees on $22,000?

take only what you need. It's so easy and tempting to use your student loans for other purposes (like a new car). After all, the interest is usually lower than you'll get. It's even more tempting if you managed to get one of the deferred-interest loans
work for a company that offers tuition reimbursement and take FULL advantage of it.

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