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October 20, 2011 at 7:39 am | Posted in Life and Living | Leave a comment
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I have some big news.  This week, I paid off one of two student loans!  This has been a goal of mine for quite a while, and it wasn’t easy to do, and well, and I may need to resort to eating Ramen noodles for a few weeks before I recover, but it was really worth it.

Consistent with my characteristic control freak-ness, my student loans continue to be a thorn in my side.  I’m just not one of those people who can treat it like just another bill.  It’s not like a mortgage or my cell phone service.  I am in debt for something I am no longer directly benefiting from (yes, I always use my education, but it has quite expanded since college, and at a much lower cost).

And I know I’m not alone in this.  With the rising cost of college, the next generation is going to start out life in an even bigger hole than I did.  There is a huge disconnect between the cost of college and the starting salary of the average entry-level employee.  Without mommy and daddy’s help, it is really hard to become financially stable — and I only went to college for three years!

So with this big move in my repayment plans, my mind does a few things, none of which are to relax.  One — I immediately start up with the “when I have kids, they are going to work as soon as they start walking, they are going to save money, and they are going to a state school!”  Of course, my perspective is skewed on this one.  I’m not a parent and have not yet experienced the absolute devotion and willingness to give up everything for my child feeling.  It’s a fine thought in theory, but who knows how it will play out in reality.

Second — how and when am I going to tackle my remaining loan?  At the moment, my finances are tied up in wedding planning, so beyond my regular monthly payments, I’m going to have to suck this one up for a while (and maybe find web sites like Promotional Code for some good discounts!).  Perhaps I will pay it off before I have kids.  Fingers crossed.

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