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Thursday, October 26, 2006

Reality Caught up to Anticipation

Today I finalized the paperwork on paying off the final balance on my student loan. Tomorrow at 7pm PST, my checking account will be automatically debited by Citibank for the last time. Oddly, I paid such a low interest rate and they were so easy to work with that I don't even want to rage against their usurious ways. I'm just damn happy to be out of debt. I've been privately celebrating this for over a week now, but now that the final bit of paperwork is finished, I invite y'all to celebrate with me now! Or at least chime in with your own unpaid student loan balances and whoever wins gets a big sympathy cyberhug.



At 10/26/2006 08:05:00 PM, Blogger Diane said...

Feels real good doesn't it?
I've felt that good feeling twice so far. I paid off my undergraduate loans, then paid off my graduate school loans, and now have just embarked on paying off massage school loans. Will it never end?! I have to stop going to school.

At 10/27/2006 12:22:00 PM, Anonymous Anonymous said...

Oi, I'm already 16K in debt, plus oodles more for this year, and then the next 5 years or so....le sigh! Stupid grad school.

-Adopted lil' Bro

At 10/28/2006 05:22:00 AM, Blogger molly said...

Deffered, deffered, forebearance, deffered, unpaid.


Fuck. Now I'm depressed.

At 10/29/2006 07:16:00 AM, Anonymous mel said...

Ok, so I hit the lifetime cap on student loans (which is a measly $138,000, or something like that if you're not a med student)in 2001.

Since then I have deferred them, been in school, and just before interest rates when up a year or two ago, I decided to consolidate them. Good news is, I have a rate locked in that is something like 2.5 percent. Bad news, yeah like I have to spell that one out.

While I am a full-time student, at least registration wise, my student loans keep plugging along adding up interest. The low interest rates seemed worth it, at least according to my financial advisor (a guy from grad school who paid off his loans and is therefore a genius with money in my world).

I have considered paying a little on them each month, and then instead I decide to do things like go to Ireland.

So, basically if you look at prices in a rural area, I have an actual house worth of student loan debt.

I don't find this depressing at all...of course denial is my friend...and I haven't started paying yet. When you all are retired, I will still be paying on my student loans.....Ok, now I am depressed too. Then again, on what planet will I ever be able to retire?

Johnbai, congratulations! Seriously, it is an accomplishment, and one I am glad you have shared.


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