I made my final student loan payment this morning. It feels pretty amazing.
It took a while to pay them off for a number of reasons, but chief of which was that I set a very low payment rate the first few years I was paying them off because my interest rate was so low I decided it would probably be better to defer them for a bit and invest the maximum into my retirement account. At the time I was living in a shithole two bedroom apartment that had not been remodeled and had… carpet on the walls in some rooms but was only 300 bucks a month (the next cheapest 2 bedroom was 700 bucks) and drove an 83 chevy celebrity until 2006 when it finally died.
After I had a bit of a nest egg, I then started paying in earnest- every month, 400 bucks. And now I am done.
Probably just start putting the money into the furnace fund, since I own a house and after replacing the water filter yesterday and the ac unit in September and all the plumbing and electrical wiring two years ago, I know that is next. Or maybe one of the animals will learn the loans are done and decide to get some debilitating and expensive protracted illness. But the god damned student loans are paid off.