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Ｗｉｔｈ ｔｈｅ ｃｏｓｔ ｏｆ ｅｄｕｃａｔｉｏｎ ｃｏｎｓｔａｎｔｌｙ ｒｉｓｉｎｇ ｉｎ Ｎｏｒｔｈ Ａｍｅｒｉｃａ, ｍｉｌｌｉｏｎｓ ｏｆ ｓｔｕｄｅｎｔｓ ａｒｅ ｔａｋｉｎｇ ｏｕｔ ｌｏａｎｓ ｔｏ ｃｏｖｅｒ ｔｕｉｔｉｏｎ, ｂｏｏｋｓ ａｎｄ ｃｏｓｔ ｏｆ ｌｉｖｉｎｇ. Ａｌｔｈｏｕｇｈ ｉｔ ｉｓ ｆａｉｒｌｙ ｅａｓｙ ｔｏ ｏｂｔａｉｎ ａ ｌｏａｎ ｆｏｒ ｃｏｌｌｅｇｅ, ｉｔ ｍａｙ ｎｏｔ ｂｅ ｑｕｉｔｅ ａｓ ｅａｓｙ ｔｏ ｒｅｐａｙ ｉｔ ｗｈｅｎ ｔｈｅ ｔｉｍｅ ｃｏｍｅｓ. Ｔｈｅ ｆｏｌｌｏｗｉｎｇ ｐｅｒｓｏｎａｌ ａｃｃｏｕｎｔ ｗｉｌｌ ｏｕｔｌｉｎｅ ｓｏｍｅ ｅａｓｙ ｔｉｐｓ ｆｏｒ ｐａｙｉｎｇ ｏｆｆ ｓｔｕｄｅｎｔ ｌｏａｎｓ ｑｕｉｃｋｌｙ ａｎｄ ｅｆｆｉｃｉｅｎｔｌｙ. Ｉ ｗａｓ ａｂｌｅ ｔｏ ｒｅｐａｙ ｍｙ ｌｏａｎ ｉｎ ｆｉｖｅ ｙｅａｒｓ, ｒａｔｈｅｒ ｔｈａｎ ｔｈｅ ｕｓｕａｌ ｄｅｃａｄｅ. Ｓｉｎｃｅ Ｉ ｐａｉｄ ｉｆ ｏｆｆ ｑｕｉｃｋｌｙ, Ｉ ｄｉｄ ｎｏｔ ｐａｙ ａｓ ｍｕｃｈ ｉｎｔｅｒｅｓｔ ａｎｄ ｔｈｕｓ ｂｒｏｕｇｈｔ ｄｏｗｎ ｔｈｅ ｔｏｔａｌ ａｍｏｕｎｔ. Ｉ ａｌｓｏ ｆｏｕｎｄ ａ ｓｔｒｅｓｓ-ｆｒｅｅ ｗａｙ ｔｏ ｕｓｅ ｔｈｅ ｓｋｉｌｌｓ Ｉ ｌｅａｒｎｅｄ ｉｎ ｃｏｌｌｅｇｅ ｔｏ ｒｅｐａｙ ｔｈｅ ｍｏｎｅｙ ｉｔ ｃｏｓｔ ｔｏ ａｔｔｅｎｄ. Ｉｆ ｙｏｕ ｈａｖｅ ａｎ ｏｕｔｓｔａｎｄｉｎｇ ｌｏａｎ ｏｒ ａｒｅ ｃｏｎｓｉｄｅｒｉｎｇ ｔａｋｉｎｇ ｏｎｅ ｏｕｔ, ｙｏｕ ｐｒｏｂａｂｌｙ ｗａｎｔ ｔｏ ｒｅａｄ ｔｈｉｓ ａｒｔｉｃｌｅ ａｎｄ ｍａｋｅ ａ ｐｌａｎ ｆｏｒ ｒｅｐａｙｍｅｎｔ ａｓ ｓｏｏｎ ａｓ ｐｏｓｓｉｂｌｅ. Ｉ ｗａｓ ｆｏｒｔｕｎａｔｅ ｅｎｏｕｇｈ ｔｏ ｈａｖｅ ａ ｃｏｌｌｅｇｅ ｆｕｎｄ ｔｈａｔ ｃｏｖｅｒｅｄ ｍｙ ｕｎｄｅｒｇｒａｄｕａｔｅ ｓｔｕｄｉｅｓ ｓｏ Ｉ ｔｈｏｕｇｈｔ Ｉ ｗｏｕｌｄ ｎｅｖｅｒ ｈａｖｅ ｔｏ ｄｅａｌ ｗｉｔｈ ｔｈｅ ｔｒｉａｌｓ ａｎｄ ｔｒｉｂｕｌａｔｉｏｎｓ ｏｆ ｓｔｕｄｅｎｔ ｌｏａｎｓ. Ｈｏｗｅｖｅｒ, ｕｐｏｎ ｃｏｍｐｌｅｔｉｎｇ ｍｙ Ｂａｃｈｅｌｏｒ'ｓ ｏｆ Ａｒｔｓ (ｍａｊｏｒｉｎｇ ｉｎ Ｐｓｙｃｈｏｌｏｇｙ) ｉｎ Ｃａｎａｄａ, Ｉ ｄｅｃｉｄｅｄ ｔｏ ａｐｐｌｙ ｔｏ ｇｒａｄｕａｔｅ ｓｃｈｏｏｌ ｉｎ Ｈａｗａｉｉ. Ｔｈｅ ｐｒｏｇｒａｍ ｗａｓ ｅｘａｃｔｌｙ ｗｈａｔ Ｉ ｗａｓ ｌｏｏｋｉｎｇ ｆｏｒ ａｎｄ ｗｈｏ ｗｏｕｌｄｎ'ｔ ｗａｎｔ ｔｏ ｌｅａｖｅ ｔｈｅ ｃｏｌｄ ｗｉｎｔｅｒｓ ｂｅｈｉｎｄ ｆｏｒ ｐａｌｍ ｔｒｅｅｓ ａｎｄ ｏｃｅａｎ ｖｉｅｗｓ? Ｉ ｔｏｏｋ ｏｕｔ ａ ｌｏａｎ ｗｉｔｈ ｔｈｅ ｇｏｖｅｒｎｍｅｎｔ ｏｆ Ｑｕｅｂｅｃ ａｎｄ ｊｕｍｐｅｄ ｏｎ ａ ｐｌａｎｅ. Ｉ'ｌｌ ａｄｍｉｔ ｔｈａｔ Ｉ ｎｅｖｅｒ ｐｕｔ ｍｕｃｈ ｔｈｏｕｇｈｔ ｉｎｔｏ ｔｈｅ ｌｏａｎ. Ｔｈｅ ｗｏｒｄｓ "ｉｎｔｅｒｅｓｔ ｆｒｅｅ" ｐｏｐｐｅｄ ｏｕｔ ａｔ ｍｅ ａｎｄ ｉｔ ｓｏｕｎｄｅｄ ｌｉｋｅ ａ ｇｒｅａｔ ｉｄｅａ. Ｏｖｅｒ ｔｈｅ ｆｏｌｌｏｗｉｎｇ ｔｈｒｅｅ ｙｅａｒｓ Ｉ ｍａｎａｇｅｄ ｔｏ ｒａｃｋ ｕｐ ｏｖｅｒ $60,000 ｉｎ ｌｏａｎｓ. Ｍｙ ｌｏａｎ ｗａｓ ｎｏｔ ｏｎｌｙ ｐａｙｉｎｇ ｍｙ ｏｕｔ ｏｆ ｓｔａｔｅ ｔｕｉｔｉｏｎ, ｂｕｔ ａｌｓｏ ｔｈｅ ｉｎｃｒｅｄｉｂｌｙ ｈｉｇｈ ｃｏｓｔ ｏｆ ｌｉｖｉｎｇ ｉｎ Ｈａｗａｉｉ. Ｒｅｎｔ ａｌｏｎｅ ｗａｓ $700 ａ ｍｏｎｔｈ, ａｎｄ Ｉ ｒｅｎｔｅｄ ａ ｂｅｄｒｏｏｍ ｉｎ ａ ｄｉｎｇｙ ｗａｌｋ-ｕｐ ａｐａｒｔｍｅｎｔ. Ｔｈｅ ｄｏｌｌａｒｓ ａｄｄｅｄ ｕｐ ａｓ Ｉ ｓｔｕｄｉｅｄ, ｐａｒｔｉｅｄ ａｎｄ ｅｎｊｏｙｅｄ ｌｉｆｅ ｉｎ ｐａｒａｄｉｓｅ. Ｍｙ ｐｌａｎ ｗａｓ ｔｏ ｇｅｔ ｍｙ ＰｈＤ, ｆｉｎｄ ａ ｈｉｇｈ ｐａｙｉｎｇ ｊｏｂ ａｎｄ ｔｈｅｎ ｐａｙ ａ ｍｏｎｔｈｌｙ ｐａｙｍｅｎｔ ｆｏｒ ｔｅｎ ｙｅａｒｓ ｕｎｔｉｌ ｍｙ ｌｏａｎ ｗａｓ ｐａｉｄ ｏｆｆ. Ｔｈｒｅｅ ｍｏｎｔｈｓ ｂｅｆｏｒｅ Ｉ ｒｅｃｅｉｖｅｄ ｍｙ Ｍａｓｔｅｒ'ｓ ｄｅｇｒｅｅ, ｍｙ ｓｏｎ ｗａｓ ｂｏｒｎ. Ｗｈｉｌｅ ｔｈｉｓ ｗａｓ ｔｈｅ ｂｅｓｔ ｔｈｉｎｇ ｔｈａｔ ｈａｄ ｅｖｅｒ ｈａｐｐｅｎｅｄ ｔｏ ｍｅ, ｉｔ ｃｅｒｔａｉｎｌｙ ｗａｓ ｎｏｔ ｉｎ ｍｙ ｐｌａｎ. Ｉ ｆｉｎｉｓｈｅｄ ｕｐ ｗｉｔｈ ｔｈｅ Ｍａｓｔｅｒｓ ａｎｄ ｄｅｃｉｄｅｄ ｔｏ ｆｏｒｇｅｔ ａｂｏｕｔ ｔｈｅ Ｄｏｃｔｏｒａｔｅ. Ｎｏｗ Ｉ ｗａｓ ａ ｎｅｗ ｍｏｍ ｎｅｗｌｙ ｍａｒｒｉｅｄ, ｓｔａｙｉｎｇ ｈｏｍｅ ｗｉｔｈ ｍｙ ｂａｂｙ ａｎｄ ｇｏｔ ａ ｌｅｔｔｅｒ ｉｎ ｔｈｅ ｍａｉｌ ｓｔａｔｉｎｇ Ｉ ｗｏｕｌｄ ｈａｖｅ ｔｏ ｐａｙ $655 ａ ｍｏｎｔｈ ｆｏｒ ｔｅｎ ｙｅａｒｓ. Ｉ ｓｐｏｋｅ ｗｉｔｈ ｍｙ ｈｕｓｂａｎｄ ａｎｄ ｗｅ ｄｅｃｉｄｅｄ ｔｈａｔ ｗｏｕｌｄ ｎｏｔ ｄｏ. Ｏｎｅ ｉｍｐｏｒｔａｎｔ ｉｓｓｕｅ Ｉ ｗａｎｔ ｔｏ ｍｅｎｔｉｏｎ ｈｅｒｅ ｉｓ: ｔｈｅｒｅ ｗａｓ ｎｏ ｉｎｔｅｒｅｓｔ ｗｈｉｌｅ Ｉ ｗａｓ ｉｎ ｓｃｈｏｏｌ. Ｔｈａｔ ｄｏｅｓ ｎｏｔ ｍｅａｎ ｎｏ ｉｎｔｅｒｅｓｔ ｅｖｅｒ. Ｉｎ ｍｙ ｆｉｒｓｔ ｙｅａｒ ｏｆ ｐａｙｉｎｇ $655 ａ ｍｏｎｔｈ, Ｉ ｐａｉｄ ｏｆｆ ｏｎｌｙ $7000 ｆｒｏｍ ｔｈｅ ｔｏｔａｌ. Ｔｈａｔ'ｓ ｏｖｅｒ ａ ｔｈｏｕｓａｎｄ ｄｏｌｌａｒｓ ｏｆ ｉｎｔｅｒｅｓｔ ｉｎ ｏｎｅ ｙｅａｒ! Ｔｈｅｒｅ ｗａｓ ｊｕｓｔ ｎｏ ｗａｙ Ｉ ｗａｎｔｅｄ ｔｏ ｃｏｍｍｉｔ ｔｏ ｔｅｎ ｙｅａｒｓ ｏｆ ｔｈｅｓｅ ｐａｙｍｅｎｔｓ ａｎｄ Ｉ ｃｏｕｌｄｎ'ｔ ｓｔｏｍａｃｈ ｔｈｅ ｆａｃｔ ｔｈａｔ ｓｏｍｅ ｂａｎｋ ｗａｓ ｇｏｉｎｇ ｔｏ ｍａｋｅ ｔｅｎ ｇｒａｎｄ ｏｆｆ ｏｆ ｍｅ ｓｉｍｐｌｙ ｂｅｃａｕｓｅ Ｉ ｄｉｄｎ'ｔ ｈａｖｅ ｔｈｅ ｍｏｎｅｙ ｔｏ ｐａｙ ｆｏｒ ｇｒａｄ ｓｃｈｏｏｌ. Ｉ ｎｅｅｄｅｄ ａ ｐｌａｎ ａｎｄ Ｉ ｎｅｅｄｅｄ ｏｎｅ ｆａｓｔ. Ｉ ｓｐｏｋｅ ｗｉｔｈ ｍｙ ｕｎｃｌｅ, ｗｈｏ ｉｓ ａｎ ａｃｃｏｕｎｔａｎｔ ａｓ ｗｅｌｌ ａｓ ｍｙ ｈｕｓｂａｎｄ ａｎｄ ｗｅ ｗｏｒｋｅｄ ｏｕｔ ａ ｂｕｄｇｅｔ. Ｅｖｅｒｙｂｏｄｙ'ｓ ｆｉｎａｎｃｉａｌ ｓｉｔｕａｔｉｏｎ ｉｓ ｄｉｆｆｅｒｅｎｔ ｂｕｔ ｈｅｒｅ ｉｓ ｈｏｗ Ｉ ｐａｉｄ ｏｆｆ ｔｈｅ ｒｅｓｔ ｏｆ ｍｙ ｌｏａｎｓ ｉｎ ｏｎｌｙ ｆｏｕｒ ｍｏｒｅ ｙｅａｒｓ. Ｓｔｅｐ ｏｎｅ: Ｉ ｇｏｔ ａ ｐａｒｔ ｔｉｍｅ ｊｏｂ ｏｎ ｔｈｅ ｗｅｅｋｅｎｄｓ. Ｓｉｎｃｅ ｍｙ ｈｕｓｂａｎｄ ａｎｄ Ｉ ｈａｄ ｐｌａｎｎｅｄ ｆｏｒ ｍｅ ｔｏ ｓｔａｙ ｈｏｍｅ ｗｉｔｈ ｔｈｅ ｂａｂｙ, ｈｉｓ ｓａｌａｒｙ ｗａｓ ｅｎｏｕｇｈ ｔｏ ｃｏｖｅｒ ｔｈｅ ｅｓｓｅｎｔｉａｌｓ. Ｉ ｗｏｒｋｅｄ ａｔ ａ ｒｅｔａｉｌ ｓｔｏｒｅ ｏｎ ｔｈｅ ｗｅｅｋｅｎｄｓ ａｎｄ ｐｉｃｋｅｄ ｕｐ ｓｏｍｅ ｆｒｅｅｌａｎｃｅ ｔｕｔｏｒｉｎｇ ｉｎ ｔｈｅ ｅｖｅｎｉｎｇｓ. Ｉ ｗａｓ ａｂｌｅ ｔｏ ｂｒｉｎｇ ｉｎ ａｐｐｒｏｘｉｍａｔｅｌｙ $ 800 ａ ｍｏｎｔｈ, ａｆｔｅｒ ｔａｘｅｓ. Ｓｔｅｐ ｔｗｏ: Ｗｅ ｂｕｄｇｅｔｅｄ $100 ａ ｍｏｎｔｈ ｆｒｏｍ ｍｙ ｈｕｓｂａｎｄ'ｓ ｓａｌａｒｙ ｔｏ ｇｏ ｔｏｗａｒｄｓ ｍｙ ｌｏａｎｓ ａｓ ｗｅｌｌ. Ｉｎ ｏｒｄｅｒ ｔｏ ａｆｆｏｒｄ ｔｈｉｓ, ｗｅ ｈａｄ ｔｏ ｇｅｔ ｓｅｒｉｏｕｓ ａｂｏｕｔ ｃｏｕｐｏｎｓ, ｓｈｏｐｐｉｎｇ ａｔ Ｃｏｓｔｃｏ (ｒａｔｈｅｒ ｔｈａｎ ｒｅｇｕｌａｒ ｇｒｏｃｅｒｙ ｓｔｏｒｅｓ) ａｎｄ ｃｏｎｓｅｒｖｉｎｇ ｕｔｉｌｉｔｉｅｓ. Ｙｏｕ ｗｏｕｌｄ ｂｅ ｓｕｒｐｒｉｓｅｄ ｈｏｗ ｍｕｃｈ ｍｏｎｅｙ ｙｏｕ ｃａｎ ｓａｖｅ ｂｙ ｌｉｎｅ ｄｒｙｉｎｇ ｙｏｕｒ ｃｌｏｔｈｅｓ ａｎｄ ａｉｒ ｄｒｙｉｎｇ ｙｏｕｒ ｄｉｓｈｅｓ. Ｓｔｅｐ Ｔｈｒｅｅ: Ｕｓｅ ａｎｙ ｌｕｍｐ ｓｕｍｓ ｔｏ ｒｅｄｕｃｅ ｔｈｅ ｔｏｔａｌ ｌｏａｎ ａｍｏｕｎｔ. Ｔｈｉｓ ｉｎｃｌｕｄｅｄ ｏｕｒ $4000 ｔａｘ ｒｅｔｕｒｎ, ｂｉｒｔｈｄａｙ ｍｏｎｅｙ ａｎｄ ｔｈｅ ｐａｙｏｕｔ ｆｒｏｍ ａ ｏｎｅ ｔｉｍｅ ｗｒｉｔｉｎｇ ｇｉｇ Ｉ ｓｃｏｒｅｄ ｗｉｔｈ ａ ｎｏｖｅｌｉｓｔ. Ｔｈｅｓｅ ｌｕｍｐ ｓｕｍｓ ａｒｅ ｒｅａｌｌｙ ｔｈｅ ｋｅｙ ｔｏ ｑｕｉｃｋ ｌｏａｎ ｒｅｐａｙｍｅｎｔ ｂｅｃａｕｓｅ ｔｈｅ ｍｏｒｅ ｙｏｕ ｃａｎ ｐａｙ ａｔ ｏｎｅ ｔｉｍｅ, ｔｈｅ ｌｅｓｓ ｉｎｔｅｒｅｓｔ ｙｏｕ ｗｉｌｌ ｐａｙ ｉｎ ｔｈｅ ｌｏｎｇ ｒｕｎ. Ｗｈｅｎ ｗｅ ｈａｄ ａ ｌｕｍｐ ｓｕｍ ｔｏ ｃｏｎｔｒｉｂｕｔｅ ｔｏ ｔｈｅ ｌｏａｎ ｗｅ ｗｏｕｌｄ ｓｃｒａｐ ｔｏｇｅｔｈｅｒ ｅｖｅｒｙ ｄｏｌｌａｒ ｗｅ ｈａｄ ｔｏ ａｄｄ ｔｏ ｔｈｅ ａｍｏｕｎｔ. Ｎｏｗ ｈｅｒｅ'ｓ ｔｈｅ ｍａｔｈ. Ｏｆ ｃｏｕｒｓｅ ｙｏｕｒ ｓｉｔｕａｔｉｏｎ ｗｉｌｌ ｂｅ ｄｉｆｆｅｒｅｎｔ ｂｕｔ ｙｏｕ ｃａｎ ｓｅｅ ｂｙ ｍｙ ｓｉｔｕａｔｉｏｎ ｔｈａｔ ｆｉｖｅ ｙｅａｒ ｒｅｐａｙｍｅｎｔ ｉｓ ｄｅｆｉｎｉｔｅｌｙ ｄｏａｂｌｅ. $800 (ｍｙ ｐａｒｔ ｔｉｍｅ ｗｏｒｋ) + $100 (ｆｒｏｍ ｍｙ ｈｕｓｂａｎｄ'ｓ ｓａｌａｒｙ) = $900/ｍｏｎｔｈ ｘ 4 ｙｅａｒｓ = $43,200 Ｔａｘ ｒｅｔｕｒｎｓ ~$4000 ｘ 3 ｙｅａｒｓ = $12,000 Ｔｗｏ ｏｔｈｅｒ "ｌｕｍｐ ｓｕｍ" ｄｅｐｏｓｉｔｓ ($1200 + $3100 = $3300) Ｔｏｔａｌ ａｍｏｕｎｔ ｒｅｐａｉｄ ｉｎ ｆｏｕｒ ｙｅａｒｓ: $58,500 Ｓｏ ｎｏｗ ｙｏｕ ｓｅｅ ｈｏｗ Ｉ ｒｅｐａｉｄ ｉｔ ｂｕｔ Ｉ ｈａｖｅ ｌｅｆｔ ｏｕｔ ｏｎｅ ｍａｊｏｒ ｆａｃｔｏｒ... ｗａｓ ｍｙ ｅｄｕｃａｔｉｏｎ ｗｏｒｔｈ ｉｔ? Ｉ ｃａｎ ａｎｓｗｅｒ ｔｈｅ ａｂｏｖｅ ｑｕｅｓｔｉｏｎ ｗｉｔｈ ｏｎｅ ｗｏｒｄ - ｎｏ. Ａｌｔｈｏｕｇｈ Ｉ ｔｒｕｌｙ ｅｎｊｏｙｅｄ ｍｙ ｔｉｍｅ ｉｎ ｇｒａｄｕａｔｅ ｓｃｈｏｏｌ ａｎｄ Ｉ ｄｉｄ ｌｅａｒｎ ａ ｇｒｅａｔ ｄｅａｌ ａｂｏｕｔ Ｐｓｙｃｈｏｌｏｇｙ, Ｉ ａｍ ｎｏｔ ｑｕａｌｉｆｉｅｄ ｆｏｒ ｖｅｒｙ ｍａｎｙ ｈｉｇｈ ｐａｙｉｎｇ ｊｏｂｓ ａｎｄ Ｉ ｈａｖｅ ｃｈｏｓｅｎ ｎｏｔ ｔｏ ｔａｋｅ ｏｎ ａ ｃａｒｅｅｒ ｓｏ Ｉ ｃａｎ ｓｔａｙ ｈｏｍｅ ｗｉｔｈ ｍｙ ｃｈｉｌｄｒｅｎ. Ｉｎ ｓｈｏｒｔ, Ｉ ｓｐｅｎｔ $60,000 ｆｏｒ ｎｏ ｒｅａｓｏｎ ａｔ ａｌｌ. Ｉ ａｍ, ｈｏｗｅｖｅｒ, ｅｘｔｒｅｍｅｌｙ ｐｒｏｕｄ ｔｈａｔ Ｉ ｗａｓ ａｂｌｅ ｔｏ ｐａｙ ｉｔ ｏｆｆ ｓｏ ｑｕｉｃｋｌｙ ａｎｄ Ｉ ｎｏ ｌｏｎｇｅｒ ｈａｖｅ ｔｏ ｗｏｒｒｙ ａｂｏｕｔ ｗｈｅｔｈｅｒ ｏｒ ｎｏｔ ｉｔ ｗａｓ ｗｏｒｔｈ ｉｔ. Ｙｅｓ, Ｉ ｗｏｒｋｅｄ ｗｅｅｋｅｎｄｓ ｆｏｒ ｆｏｕｒ ｙｅａｒｓ ｂｕｔ ｉｔ'ｓ ｏｖｅｒ ａｎｄ ｎｏｗ Ｉ ｓｔｉｌｌ ｗｏｒｋ ｗｅｅｋｅｎｄｓ ｂｕｔ ｗｅ ｕｓｅ ｔｈｅ ｍｏｎｅｙ ａｓ "ｐｌａｙ ｍｏｎｅｙ" ｆｏｒ ｄｉｎｎｅｒｓ ｏｕｔ, ｖａｃａｔｉｏｎｓ ａｎｄ ｆｕｎ ｐｕｒｃｈａｓｅｓ. Ｅｖｅｎ ｍｏｒｅ ｉｍｐｏｒｔａｎｔｌｙ, Ｉ ｌｅａｒｎｅｄ ｈｏｗ ｔｏ ｂｕｄｇｅｔ ａｎｄ ｈｏｗ ｔｏ ｐａｙ ｏｆｆ ｄｅｂｔ ｅｆｆｉｃｉｅｎｔｌｙ. Ｉ ｔｈｉｎｋ ｉｔ ｃｏｕｌｄ ｂｅ ａｒｇｕｅｄ ｔｈａｔ ｔｈｅ ｓｋｉｌｌｓ Ｉ ｌｅａｒｎｅｄ ｔｈｒｏｕｇｈ ｍｙ ｌｏａｎ ｒｅｐａｙｍｅｎｔ ａｒｅ ｍｏｒｅ ｕｓｅｆｕｌ ｉｎ ｔｈｅ ｒｅａｌ ｗｏｒｌｄ ｔｈａｎ ａｎｙ ｓｋｉｌｌｓ Ｉ ｌｅａｒｎｅｄ ｉｎ ｓｃｈｏｏｌ. Ｍｙ ａｄｖｉｃｅ ｔｏ ｔｈｏｓｅ ｗｈｏ ｈａｖｅ ｓｔｕｄｅｎｔ ｌｏａｎｓ ｉｓ ｔｏ ｍａｋｅ ｇｏａｌｓ ａｎｄ ｓｔｉｃｋ ｔｏ ｔｈｅｍ. Ｙｏｕｒ ｎｕｍｂｅｒ ｏｎｅ ｆｏｃｕｓ ｓｈｏｕｌｄ ｂｅ ｏｎ ｐａｙｉｎｇ ｉｔ ｏｆｆ ＦＡＳＴ. Ｓｐｅｅｄ ｉｓ ｔｈｅ ｋｅｙ ｂｅｃａｕｓｅ ｔｈｏｓｅ ｉｎｔｅｒｅｓｔ ｄｏｌｌａｒｓ ｔｏ ｎｏｔ ｒａｃｋ ｕｐ ｑｕｉｔｅ ａｓ ｈｉｇｈ. Ｍｙ ａｄｖｉｃｅ ｔｏ ａｎｙｏｎｅ ｗｈｏ ｉｓ ｃｏｎｓｉｄｅｒｉｎｇ ｔａｋｉｎｇ ｏｕｔ ａ ｓｔｕｄｅｎｔ ｌｏａｎ: ｄｏ ｓｏｍｅ ｒｅｓｅａｒｃｈ ｏｎ ｔｈｅ ｄｅｇｒｅｅ ｙｏｕ ａｒｅ ｇｏｉｎｇ ｆｏｒ. Ｍａｋｅ ｓｕｒｅ ｉｔ ｗｉｌｌ ｂｅ ｌｕｃｒａｔｉｖｅ ｅｎｏｕｇｈ ｔｏ ｍａｋｅ ｔｈｅ ｌｏａｎ ｗｏｒｔｈ ｉｔ. Ｆｉｎａｌｌｙ, ｅｖｅｒｙｏｎｅ ｓｈｏｕｌｄ ｈａｖｅ ａ ｂａｃｋ ｕｐ ｐｌａｎ. Ｙｏｕ ｎｅｖｅｒ ｋｎｏｗ ｗｈａｔ ｌｉｆｅ ｉｓ ｇｏｉｎｇ ｔｏ ｂｒｉｎｇ, ｂｕｔ ｄｅｆａｕｌｔｉｎｇ ｏｎ ａ ｌｏａｎ ｓｈｏｕｌｄ ｎｏｔ ｂｅ ａｎ ｏｐｔｉｏｎ. Ｅｖｅｎ ｉｎ ａ ｄｅｐｌｏｒａｂｌｅ ｅｃｏｎｏｍｙ, ｔｈｅｒｅ ｉｓ ａｌｗａｙｓ ａ ｊｏｂ ａｔ ｔｈｅ ｌｏｃａｌ ｍａｌｌ ｏｒ ｆａｓｔ ｆｏｏｄ ｊｏｉｎｔ ｔｈａｔ ｃａｎ ｈｅｌｐ ｙｏｕ ｇｅｔ ｔｈａｔ ｄｅｂｔ ｄｏｗｎ ｔｏ ｚｅｒｏ. Ｉ ｈｏｐｅ ｍｙ ｅｘｐｅｒｉｅｎｃｅ ｗｉｌｌ ｈｅｌｐ ｙｏｕ ｍａｋｅ ｗｉｓｅ ｄｅｃｉｓｉｏｎｓ ｗｈｅｎ ｉｔ ｃｏｍｅｓ ｔｏ ｓｔｕｄｅｎｔ ｌｏａｎｓ ａｎｄ ｒｅｐａｙｉｎｇ ｔｈｅｍ. |
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