I made my final student loan payment this morning. Paid in full. I thought it would take until next payday to get there. But as seems customary this close to payoff, Hubs and I decided it was best to tap into savings and be done. So, we are done.
I don’t have student loan debt anymore.
That’s a pretty cool thing to be able to say. While I was in school, that’s what I wanted more than anything. Now that it’s here, it feels like a lie when I say it out loud. My inner monologue rejects the idea. “Of course you have student loan debt. You graduated from law school 2 years ago. All law school grads have debt. “
I don’t have student loan debt.
Being free of student loans feels great, but I don’t know what else that means. I’ve tried to put my thoughts into words, but nothing feels right. Perhaps it doesn’t mean anything right now because nothing is different yet. Just like before, nearly my entire paycheck went toward my debt. It’s kind of like I’ve been working for free for the last year. #slavelabor
It might be perfect for me to pay off my loans 2 weeks early. I was preparing for April 10 to be different. Now, April 10 will be different. When I get my first post-debt paycheck, I’ll be able to keep it. I won’t have a minimum payment, I won’t have an extra payment. I won’t have a payment. It will be me and my money, together at last.
How does it feel? It’s a huge relief, but it’s weird. I’ll probably cry later, but that’s just how I process things.
What’s next? Not quite sure. I’ve got savings accounts to refill, delayed purchases to act on, and a lot of stuff to save for: Travel, a house, more travel.
It has been an empowering journey over the last year or so. I’ve learned a ton about money and even more about myself. Who knew talking about money on the internet could be so entertaining and enlightening. Thank you to everyone that’s been along for the ride.
Now I have to learn how to save. Eek!