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Good-bye Student Loan!

Hugh and I made a lump sum payment today to free ourselves from the burden of my student loan. I graduated from the U of  S in the summer of 2002, so it has almost been 10 years of payments.

When I first started making payments I was teaching in Brooks, Alberta. In my mind, there was no way I was going to be paying off that dept for 1/3 of my teaching career. When I set up the payment schedule and the loans representative told me what the minimum payment was I upped it.

Two years later I moved back to Saskatchewan. The cost of living was no different that it had been in Brooks. In fact I was even paying more for my apartment in Prince Albert than I had been for my apartment in Brooks. On top of that, I was getting paid less to teach there. Significantly less. Money was so tight that I had to call and have my student loan payments brought down to the minimum. Please keep in mind I WAS NOT a frivolous spender. Even at 23 years old, I had a binder where I recorded my expenses.

By the time I had got to a place where I had a tiny bit of breathing room financially, I had met Hugh. And then there was always a reason not to increase those payments. A wedding, a new house, a new baby, and another new baby all took priority.

Today the loans representative congratulated me on paying off my loan. I found myself smiling and feeling a bit on the warm and tingly side. I hadn't realized how much it meant to me until it actually happened.


  1. Congratulations! It feels good to pay off debt :)

  2. Whoo Hoo! Congrats! a milestone for sure!

  3. Congrats! Wow! That's a fabulous reason to celebrate a little bit! :) Nicely done.

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