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You’re Debt to Me!

You’re Debt to Me!

Immediately after receiving my degree (and a few short years after that), I struggled to find full-time employment that would allow me to make a dent in the student loan debt I had accumulated during my four years in college. From odd job to odd job I never felt that I was in a comfortable enough financial position to pay off more than the minimum required monthly payment. Sound familiar?

01/08/2016 through 09/07/2017 $286.23 every month

Finally, in May of 2017 I decided to go a different route. Education. Specifically, teaching and coaching. I searched for opportunities near my hometown, realizing I could save a lot more money every month if I lived at home. This wasn’t an easy decision, but I discussed it with my parents, and they were more than willing to allow me to move back home if I could find a good position in the area. By the end of May, I had received multiple job offers (something I was not used to), and a few of them within 15 minutes of where I grew up. I realize this isn’t an option everyone in my situation has granted to them, but I was looking to get out from under this student loan debt FAST. So in June I signed my first contract, and in August I started my new career.

Now the funny thing about starting a new teaching job is that you actually work almost 2 full months before getting paid. But when the first direct deposit hit my bank account, September 29th, I set aside enough for an emergency fund, my monthly expenses, then put EVERYTHING remaining towards my student loans.

09/30/2017        $2,294.20

10/29/2017        $2,506.81

11/17/2017        $2,473.37

12/19/2017        $2,352.26

Those were my first “more than minimum” monthly payments. Finally, I started to see some real progress. On November 28th,  I also decided to make a small leap into the the stock market, putting $200 into a Betterment* account.

In January, I saw a slight increase in my paycheck. I put it all towards my student loans.

01/19/2018        $2,700.00

As of today, February 2nd, I have $11,611.24 remaining on my student loans. If everything goes according to plan (hahaha), I will have all my student loan debt erased by June.

I realize that my path has been a little out of the ordinary, but I didn’t want to spend the first ten years of my adult life paying for school. I decided to take extreme measures to make sure that didn’t happen. Being debt free is a mindset and you have to commit to it!

Stay tuned for more updates! The story continues.


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