|
This is going to be short and sweet.
Just paid off my student loans I racked up throughout college. About $10k to be precise.
The rest of my costs were paid as I went along working part-time throughout school living on next to no money as I couldn't get enough loan money to cover everything.
I'm so happy, but at the same time watching the most money I've ever had at one point all leaving my bank account in the blink of an eye saddens me. Feels like my account was just robbed lol t.t
But I've got a good job now so it shouldn't take too too long to build it back up.
Next on my list: Laser eye surgery (end of the summer hopefully) and going on vacation to Europe next year with some family & friends!
Feels good man 
 
|
|
|
|
|
|
|
That must be a pretty nice feeling to know that you don't have any more student loans left to pay. Grats.
|
Aww yeah, that's awesome! 
I also want to get lasik or something one day. It'll be a while until then though.
|
Awesome!!! more fun time with irc and sc2 
On June 25 2013 08:43 Jaaaaasper wrote:
congratz cyborg!
actually lol instead of lasik GET ROBO EYES!!
|
Congrats! Now just make sure when you get married, SHE doesn't have 75k of student loans! haha
|
SoCal, USA3955 Posts
Go go Gryobc!
|
Thanks guys
On June 25 2013 09:07 Burrfoot wrote:
Congrats! Now just make sure when you get married, SHE doesn't have 75k of student loans! haha
Hehe yeah I know right? 
|
As a person who just paid off student loans two months ago, I know that it is a relief to not have to make those payments anymore. Feels really good, and now you have that extra money to save for whatever you want. (Trying to build that six month emergency fund...)
|
Indeed, I feel so free. Before it felt like I was just mitigating how far I plunged myself into the negative. Now that I'm finally in the positive and only going up it feels amazing.
Also, looking at my bank account balance, there should be another $700 missing from my bank account after making the payment. Where did this magical $700 come from and does it plan on staying??? WHO KNOWS??
|
Time to buy a BMW SEVEN SERIES! and a $700 monthly car payment!
|
|
|
Gratz! How long did that take? :o
|
CA10830 Posts
very nice! i'm super jealous man. i'm not looking forward to what my total debt will be LOL
|
On June 25 2013 11:37 3FFA wrote:
Gratz! How long did that take? :o
Went to school for 3 years, graduated last year, so about a year to gather up the spare 10k while living on my own.
|
|
|
Good job dude
|
TLADT24920 Posts
GG! Paying off school loans always feels great lol. Now you can save (or not if you're going on vacation/surgery lol)! :D
|
Nice I have I think 12k in debt (just finished school as well). I don't have to start making payments for another 4-5 months and am not looking forward to it. I can't wait to get mine paid off and I haven't even started paying it back yet
|
Yeah I've been paying monthly payments of like $88/month or something (base payment of $25, rest is interest I think? maybe got that wrong), so feels great to not have that interest gutting me.
After laser eye surgery and vacation I'll be saving up for a nice down payment on a house. Assuming I get approved for a mortgage that is
|
On June 25 2013 13:49 Grobyc wrote:Yeah I've been paying monthly payments of like $88/month or something (base payment of $25, rest is interest I think? maybe got that wrong), so feels great to not have that interest gutting me. After laser eye surgery and vacation I'll be saving up for a nice down payment on a house. Assuming I get approved for a mortgage that is
Those payments are ridiculously low, imo. My friend monthy bills (3 total) add up over $500 for student loans.
|
On June 25 2013 13:49 Grobyc wrote:Yeah I've been paying monthly payments of like $88/month or something (base payment of $25, rest is interest I think? maybe got that wrong), so feels great to not have that interest gutting me. After laser eye surgery and vacation I'll be saving up for a nice down payment on a house. Assuming I get approved for a mortgage that is
Ah mines going to be 139$ a month (iirc).
Getting laser eye surgery so you don't need glasses/contacts eh :D
|
Nice job..damn I think I should consider doing a work study now.
|
On June 25 2013 13:51 MountainDewJunkie wrote:Show nested quote +On June 25 2013 13:49 Grobyc wrote:Yeah I've been paying monthly payments of like $88/month or something (base payment of $25, rest is interest I think? maybe got that wrong), so feels great to not have that interest gutting me. After laser eye surgery and vacation I'll be saving up for a nice down payment on a house. Assuming I get approved for a mortgage that is Those payments are ridiculously low, imo. My friend monthy bills (3 total) add up over $500 for student loans.
A handful of my tuition was paid for out of my own money, not using student loans, and i only went to school for 3 years, so I think my debt was maybe just lower and that's why?
On June 25 2013 14:06 blade55555 wrote:Show nested quote +On June 25 2013 13:49 Grobyc wrote:Yeah I've been paying monthly payments of like $88/month or something (base payment of $25, rest is interest I think? maybe got that wrong), so feels great to not have that interest gutting me. After laser eye surgery and vacation I'll be saving up for a nice down payment on a house. Assuming I get approved for a mortgage that is Ah mines going to be 139$ a month (iirc). Getting laser eye surgery so you don't need glasses/contacts eh :D
Yep, it's not a big deal but I would enjoy it. Aside from the extra handsomeness factor it's a pain when you're swimming, staying at a friends place, you lose/drop them, have to wear a mask or another set of glasses on top (i.e paintball, 3D movies, etc). Yeah... a bit annoying sometimes . And it lasts for nearly forever too, so it's kind of a 1 time deal.
|
How bad are your eyes? Mine are like –8.75 in the right and worse in the left (they've probably gotten worse since I last checked). Just wondering because for me my glasses are actually getting really heavy and it's become a real problem lol, beside the fact that, you know, nearsightedness sucks.
|
|
|
On June 25 2013 13:51 MountainDewJunkie wrote:Show nested quote +On June 25 2013 13:49 Grobyc wrote:Yeah I've been paying monthly payments of like $88/month or something (base payment of $25, rest is interest I think? maybe got that wrong), so feels great to not have that interest gutting me. After laser eye surgery and vacation I'll be saving up for a nice down payment on a house. Assuming I get approved for a mortgage that is Those payments are ridiculously low, imo. My friend monthy bills (3 total) add up over $500 for student loans.
Yea, I think some people in this thread would have a heart attack if I mentioned how much student debt I have...
Good thing I'll get the Navy to pay for damn near ALL of it! Gotta love where our taxpayer dollars are going in this country....
But seriously, fuck education in this country. I'm sending my kids abroad for college in 25 years. Grats on paying off the student loans! I can't wait to have that feeling myself.
|
Oh man you guys are so fucked with student loans =/. In our system you also build up a loan but when you graduate in an x ( not sure how many ) years it becomes a gift from the state.
|
On June 25 2013 16:34 Aerisky wrote:
How bad are your eyes? Mine are like –8.75 in the right and worse in the left (they've probably gotten worse since I last checked). Just wondering because for me my glasses are actually getting really heavy and it's become a real problem lol, beside the fact that, you know, nearsightedness sucks.
Last time I got them checked they were both about -4.75 and have since gotten worse. Haven't had my prescription updated in about 4 years.
|
FuDDx
United States5015 Posts
Very nice!! I can not wait to have my wife's schooling payed for one day!!
|
On June 25 2013 13:51 MountainDewJunkie wrote:Show nested quote +On June 25 2013 13:49 Grobyc wrote:Yeah I've been paying monthly payments of like $88/month or something (base payment of $25, rest is interest I think? maybe got that wrong), so feels great to not have that interest gutting me. After laser eye surgery and vacation I'll be saving up for a nice down payment on a house. Assuming I get approved for a mortgage that is Those payments are ridiculously low, imo. My friend monthy bills (3 total) add up over $500 for student loans.
500/month on college loans seems suuper high but maybe I just have not heard enough stories to know of many undergrads with that high monthly payments
I only had to pay like 10% of the 55k/yr tuition which was legit but I also had to get a loan since I wasn't working a job while in school, which I could have. I just started to have to pay $60/month on a kinda small loan. It's kind of nice actually because it is establishing credit for me in a chill way. I don't have to hassle with having a credit card in order to build up a credit score from scratch. I'm going to avoid getting a credit card until I absolutely must have one, which I don't expect to happen unless I'm just still a little bit naive. I know credit cards can be used very responsibly but they still seem like a hassle to me.
|
On June 26 2013 06:32 FallDownMarigold wrote:Show nested quote +On June 25 2013 13:51 MountainDewJunkie wrote:On June 25 2013 13:49 Grobyc wrote:Yeah I've been paying monthly payments of like $88/month or something (base payment of $25, rest is interest I think? maybe got that wrong), so feels great to not have that interest gutting me. After laser eye surgery and vacation I'll be saving up for a nice down payment on a house. Assuming I get approved for a mortgage that is Those payments are ridiculously low, imo. My friend monthy bills (3 total) add up over $500 for student loans. 500/month on college loans seems suuper high but maybe I just have not heard enough stories to know of many undergrads with that high monthly payments I only had to pay like 10% of the 55k/yr tuition which was legit but I also had to get a loan since I wasn't working a job while in school, which I could have. I just started to have to pay $60/month on a kinda small loan. It's kind of nice actually because it is establishing credit for me in a chill way. I don't have to hassle with having a credit card in order to build up a credit score from scratch. I'm going to avoid getting a credit card until I absolutely must have one, which I don't expect to happen unless I'm just still a little bit naive. I know credit cards can be used very responsibly but they still seem like a hassle to me.
if you're paying things with debit card instead of credit card, using a credit card is much better for the security alone
|
YEYYYYYYYYYYYYYYY now all that work paid off :D
|
What's up with security and credit card vs debt card? And btw congrats on finishing your loan grobyc you are a free man!
|
A lot of (private) loans don't let you pay with credit card, though these days I think there is probably a paypal or similar workaround. Though loan interest is deductable!
|
On June 26 2013 08:06 FallDownMarigold wrote:
What's up with security and credit card vs debt card? And btw congrats on finishing your loan grobyc you are a free man!
it's not that hard to contest fraudulent charges on a credit card and you don't lose any money while doing so
it can be much harder to contest fraudulent charges on a debit card and money is removed from your bank account when the fraudulent charges take place. the bank may or may not take a while to eventually restore that money back into your account.
|
|
|
|
|
|
EPT
