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My Student Loans Are Fully Paid Off!

Last Updated: December 30, 2020 BY Michelle Schroeder-Gardner - 273 Comments

Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.

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I paid off $40,000 in student loans by the age of 24, just within 7 months of me starting my payoff plan. Yes, it is possibly to pay off your loans quickly!Yes, you just read the title of this blog post correctly. My student loans are gone and fully paid off!

Donezo. Eliminated. Demolished.

It seems like just a couple of months ago I published my post about my $38,000 in student loans (scroll down to the bottom of this post if you are interested in how I paid off my student loans) and how badly I wanted them gone.

I have made a decent amount of recent payments and have watched our savings account dwindle down to a very low and uncomfortable number (still livable though).

Our monthly income keeps increasing and without it, none of this would have been possible. I am very grateful for everything in life.

Also, many have asked about why I made some small payments of less than $1 (see the picture below). It is because whenever I would pay the full amount of the loan off, they would still charge interest on the loan for the day until the actual payment was received. So, I had some small payments of less than $1.

Related blog posts on how to pay off student loans quickly:

  • 30+ Ways To Save Thousands of Dollars Each Month
  • How To Work From Home By Selling on Amazon
  • 75+ Ways To Make Extra Money
  • Consolidating And Refinancing Student Loans – What You Should Know
  • How Do Student Loans Work?

 

My Student Loans

I worked full-time all throughout my undergraduate and graduate degrees, and still managed to have student loans. I’m going to blame it on the fact that I had to move out when I was 17/18 and I had to pay for myself to live, but honestly, I wasted a lot of the money I made as well.

I spent tons of money on clothes and food. Wes and I were not the smartest with money when we were younger and first moved in together. I will be honest and say that.

The total amount of student loans that I accumulated was around $40,000 after I received both my undergraduate and graduate degrees. You can read more about my degrees in the post How I Graduated From College In 2.5 Years With 2 Degrees AND Saved $37,500.

We have had some of the money saved in our emergency fund for quite some time, but I had a hard time parting with it. That is the main reason for why I was able to throw such large payments at my loans every week, and especially the last couple of weeks when I had student loan debt.

Some people ask me if I regret my degrees now that I will be switching to being a full-time blogger. No, I still don’t regret going to school even now that I plan on switching to 100% freelancing. I don’t think I would be where I am today without my degrees, and I do think that they will continue to help me into the future.

My original goal was to finish paying off my student loans in March of April of this year, but I fell a few months behind.

We definitely did some unnecessary (but fun spending), which caused us to be a little behind schedule. However, I’m not going to complain, I’m super proud of myself! I thought that my goal seemed a little hard, and it was, but I only fell a couple of months behind, so it definitely wasn’t impossible.

I also wish I knew that you could consolidate student loans. You can save a lot of money through student loan consolidation such as with Credible, especially if you have high interest federal or private loans. Plus, Credible is giving Making Sense of Cents readers a $100 bonus when they refinance with Credible. 

 

My Student Loans are GONE and eliminated

Here are some of my recent payments.

My Financial Future

What will we do with the additional income that we make every month now that $5,000 to $10,000 isn’t going towards student loans? We’re still not sure! Having this kind of cash flow will be very different from what we are used to because for such a long time everything has been going to my student loan debt.

We definitely want to save as much as we can in order to build a large enough emergency fund to prepare us for the freelancing life that I will be entering.

We also want to start investing more aggressively starting this month. We’ve always invested a little, but not enough as to where it’s a meaningful accomplishment relative to me paying off my students loans.

We still don’t know when we will be buying our next house, and lately we have been talking about putting it off for a couple more  years. We haven’t lived in our current home for very long (4 years), and it still fits us for now. So we will be saving for our next house down payment fund, but at the moment it’s not at the very top of our list.

Now, I do realize that in a couple of months that we won’t still have this huge savings amount every month since I will be eliminating an income source. Our income and, therefore, our amount of savings per month will decrease significantly, and that is something that will take getting used to. It’s all relative, though. Just one year ago, I could have never dreamed of being anywhere near half of what we make today.  It’s only normal that I can’t work 2 full-time jobs forever.

Anyway, I am so excited that my student loans are gone! And yes, this is a bragging post 🙂

I paid off $40,000 in student loans by the age of 24, just within 7 months of me starting my payoff plan. Yes, it is possibly to pay off your loans quickly!Here are my tips to pay off your student loans quickly:

 

Do you know how much student loan debt you have?

The first thing that made me jumpstart my student loan repayment plan was the fact that I took the time to add up how much student loan debt I had.

It shocked me so much that I wanted to throw up. That’s good though because it can be a good source of motivation for most people.

I know it was for me!

When you add up your student loans, do not just take a guess. Actually pull up each student loan and tally everything down to the exact penny.

Related tip: I highly recommend Credible for student loan refinancing (they are the top student loan refinancing company and have great customer service!). You can lower the interest rate on your student loans significantly by using Credible which may help you shave thousands off your student loan bill over time. Through Credible, you may be able to refinance your student loans to a rate as low as 2.14%! Plus, it’s free to apply. Related: Consolidating And Refinancing Student Loans – What You Should Know.

 

Understand your student loans.

There are many people out there who do not fully understand their student loans. There are many things you should do your research on so that you can create the best student loan repayment plan.

This mainly includes:

  • Your interest rate. Some student loans have fixed interest rates, whereas others might have variable rates. You’ll want to figure out what the interest rate on your loans are because that may impact the student loan repayment plan you decide on. For example, you might choose to pay off your student loans that have the highest interest rates first so that you can pay less money over time.
  • Student loan reimbursements. Some employers will give you money to put towards your student loans, but you should always do your research when it comes to this area. Some employers will require that you work for them for a certain amount of time, you have great grades, good attendance, and they might have other requirements as well. There are many employers out there who will pay your student loans back (fully or partially), so definitely look into this option.
  • Auto-payments. For most student loans, you can probably auto-pay them and receive a discount. Always look into this as you may be able to lower your interest rate by 0.25% on each of your student loans.

I recommend that you check out Personal Capital (a free service) if you are interested in gaining control of your financial situation. Personal Capital is very similar to Mint.com, but 100 times better as it allows you to gain control of your investment and retirement accounts, whereas Mint.com does not. Personal Capital allows you to aggregate your financial accounts so that you can easily see your financial situation, your cash flow, detailed graphs, and more. You can connect accounts such as your mortgage, bank accounts, credit card accounts, investment accounts, retirement accounts, and more, and it’s FREE.

 

Create a budget.

If you don’t have one already, then you should create a budget immediately.

First, include your actual income and expenses for each month. This will help show you how much money you have left over each month and how much money should be going towards your student loan debt each month.

 

Earn more money.

The month I paid off my student loans was a month where I earned over $11,000 in extra income. While this does sound crazy, I did start off by making just $0 in extra income. Everyone has to start somewhere.

Even if $11,000 a month isn’t possible for you, I’m sure something is. If you can make an extra $1,000 a month in extra income, that can help you knock out your student loans in no time.

Some ways to make extra money are below, but check out the related articles below to see many, many more:

  • Start a blog. Blogging is how I make a living and just a few years ago I never thought it would be possible. As of December of 2016, I am now earning around $100,000 a month blogging and I never thought this would be possible. You can create your own blog here with my easy-to-use tutorial. You can start your blog for as low as $2.95 per month plus you get a free domain if you sign-up through my tutorial.
  • Sell your stuff. There are many things you can do to make money by selling items. We all have extra things laying around that can be sold, or you can even search for items that can be bought and resold for a profit.
  • Answer surveys. Survey companies I recommend include Swagbucks, American Consumer Opinion, Survey Junkie, Pinecone Research, Opinion Outpost, Prize Rebel, and Harris Poll Online. They’re free to join and free to use! You get paid to answer surveys and to test products. It’s best to sign up for as many as you can as that way you can receive the most surveys and make the most money.
  • Rent an extra room in your home. If you have extra space in your home, then you may want to rent it out. Read A Complete Guide To Renting A Room For Extra Money.
  • Become an Uber or Lyft driver – Spending your spare time by driving others around can be a great money maker. Read more about this in my post – How To Become An Uber Or Lyft Driver. Click here to join Uber and start making money ASAP.
  • Try InboxDollars. InboxDollars is an online rewards website I recommend. You can earn cash by taking surveys, playing games, shopping online, searching the web, redeeming grocery coupons, and more. Also, by signing up through my link, you will receive $5.00 for free just for signing up!
  • Find a part-time job. There are many part-time jobs that you may be able to find. You can find a job on sites such as Snagajob, Craigslist (yes, I’ve found a legitimate job through there before), Monster, and so on.

Related articles:

  • 75+ Ways To Make Extra Money
  • 8 Things To Sell To Make Money
  • 10 Ways To Make Money Online From The Comfort of Your Home
  • 10 Things I’ve Done To Make Extra Money
  • Ways To Make An Extra $1,000 A Month

 

Cut your expenses.

The next step is to cut your budget so that you can have a better student loan repayment plan. Even though you may have just created a budget, you should go through it line by line and see what you really do not need to be spending money on.

There’s probably SOMETHING that can be cut.

You might not have even realized it until after you wrote down exactly how much money you were shoveling towards nonsense until now. However, now is better than never!

We worked towards cutting our budget as much as we could. I can’t remember exactly how much we cut it by, but I know that it was enough to where I felt like I was putting a dent in my student loans.

Even if all you can cut is $100 each month, that is much better than nothing. That’s $1,200 a year right there!

Some expenses you can lower or ways to save money include the below:

  • Earn free cash back. Sign up for a website like Ebates where you can earn CASH BACK for just spending like how you normally would online. The service is free too! Plus, when you sign up through my link, you also receive a free $10!
  • Lower your cell phone bill. Instead of paying the $150 or more that you spend on your cell phone bill, there are companies out there like Republic Wireless that offer cell phone service starting at $10. YES, I SAID $10! If you use my Republic Wireless affiliate link, you can change your life and start saving thousands of dollars a year on your cell phone service. I created a full review on Republic Wireless as well if you are interested in hearing more. I’ve been using them for over a year and they are great.
  • ATM fees. Why do people do this to themselves?
  • Pay bills on time. This way you can avoid late fees.
  • Shop around for insurance. This includes health insurance, car insurance, life insurance, home insurance and so on. Insurance pricing can vary significantly from one company to the next. When we were shopping for car insurance last, we found that our old company wanted something like $205 to insure one car for one month, whereas the new company we have now charges $50 a month for the same exact coverage. INSANE!
  • Save money on food. I recently joined $5 Meal Plan in order to help me eat at home more and cut my food spending. It’s only $5 a month (the first four weeks are free too) and you get meal plans sent straight to you along with the exact shopping list you need in order to create the meals. Each meal costs around $2 per person or less. This allows you to save time because you won’t have to meal plan anymore, and it will save you money as well!
  • Fuel savings. Combine your car trips, drive more efficiently, get a fuel efficient car, etc.
  • Trade in your car for a cheaper one. For us, we are car people. Cars are one of our splurges. However, if you only have a nice car to keep up with the Joneses, then you might want to get rid of it and get something that makes more sense.
  • Live in a cheaper home. I’m not saying you need to go live in a box, but if you live in a McMansion then you may want to think about a smaller home. This way you can save money on utility bills and your mortgage payment.
  • Learn to have more frugal fun. We don’t spend anywhere near the same amount of money on entertainment as we used to. There are plenty of ways to have frugal fun.

 

Pay more than the minimum.

The point of all of the above is to help you pay off your student loans. However, you can always go a little bit further and pay off your student loans more quickly. The key to this is that you will need to pay more than the minimum each month for you to speed up your student loan repayment plan process.

It may sound hard, but it really doesn’t have to be. Whatever extra you can afford, you should think about putting it towards your student loans. You may be able to shave years off your student loans!

How much student loan debt do you have? What’s your student loan repayment plan?

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273 Comments
Filed Under: Budget, Debt, School Tagged With: Budget, Debt, Student Loans

About Michelle Schroeder-Gardner

Michelle is the founder of Making Sense of Cents, a blog about personal finance and traveling. She discusses how her business has evolved in her side income series. She paid off $40,000 in student loans by the age of 24 mainly due to her freelancing side hustles. Click here to learn more about starting a blog!

Comments

  1. Jeff says

    January 13, 2014 at 1:03 pm

    Congrats! I know the feeling of freedom too. It is amazing!!

    Reply
  2. Christine Berry - Wealth Way Online says

    July 7, 2014 at 5:26 am

    After a few years of denial, I am looking to pay off my student loans. I have quite a lot of money in an emergency fund that would go a long way towards paying my loans off, but especially with the industry my parter and I work in, plus the fact we’re moving overseas I’m going to hold off that for a while.

    My goal is to have them paid back by October – and they’re about $31,000 – so wish me luck!

    Reply
    • Michelle S. says

      July 7, 2014 at 6:33 am

      Good luck Christine!

      Reply
  3. Syed says

    August 12, 2014 at 10:57 pm

    I know I’m a year late but what an amazing accomplishment! I dream of the day my student loans will be paid off and the freedom of being able to invest so much more.

    Reply
  4. Dana says

    October 24, 2014 at 6:29 am

    I admire the positive outlook you have on life, and that you don’t regret studying and besides you should be proud of your degrees. Congrats on paying off your student loans, michelle!

    Reply
  5. Joseph Hogue says

    November 10, 2014 at 10:53 pm

    Wow, that is inspiring! I am almost 38 and am nowhere near done paying off my college loans. Congrats.

    Wondering how you are using that money that you now have that otherwise would have been going to student loan interest.

    Reply
  6. Thomas @ i need money ASAP! says

    February 6, 2015 at 5:48 pm

    Wow Michelle! This is amazing. I’m just reading a few of your old posts and came across this one. It’s amazing how fast you were able to pay off your loans. Definitely an inspiration for many. Must have been a lot of work though 🙂

    Reply
  7. Chris Martin says

    February 10, 2015 at 12:21 pm

    Thank you so much for sharing your story. The fight to pay off student loans is one that hits close to home for me. With a degree in Architecture and 100K+ in loans I wonder how the hell can I pay that down. Like you I diced to share my story. Check out my families fight to beat back debt at http://OurDebt.net We have built a community around our fight and what we learned along the way. Keep up the fight.

    Reply
  8. Rachel R. says

    March 12, 2015 at 9:39 pm

    What are your degrees IN, that you’re making that kind of money? We don’t have $38,000 come INTO our household in 7 months, much less have it to spare after food, housing, etc. I’d love to make enough to have something left over after the essentials!

    Reply
  9. Erin @ Erin's Inside Job says

    April 2, 2015 at 12:30 pm

    I have about 200K in student loan debt and had to enter an income based repayment plan. I make so little money that based on my income, I actually owe $0 every month. The interest keeps accruing however, so my total goes up every month. If after 25 years you haven’t paid it back, there is supposed to be loan forgiveness so I was just banking on that, but on some level it makes me feel irresponsible. I am working on building my blog and I wanted to thank you for this post and others because it gives me hope that I can actually make something and start to pay back these loans. That’s my goal!!

    Reply
  10. Vmed says

    July 26, 2015 at 1:23 pm

    Whoah!!! Congratulations! It’s amazing you paid off your debt. I’m going back to uni and i’m trying the crowdfunding way to help with tuition fees. let’s see how it works

    Reply
  11. Shaquanna Walls says

    November 25, 2015 at 6:35 pm

    I would like to know if you are still making money blogging. If so, exactly what do you blog about that has made you money.

    Reply
    • Michelle Schroeder-Gardner says

      November 25, 2015 at 6:45 pm

      Hello,

      Yes, I do. You can find my latest income report here – http://www.makingsenseofcents.com/category/business-income

      Reply
  12. Marko Zupanic says

    December 14, 2015 at 2:28 pm

    This is probably one of the best articles I have ever read. Your story is amazing. Congratulations 😀

    Reply
  13. Steve Miller says

    December 18, 2015 at 8:55 am

    Great post, I did not know about SOFI for loan consolidation, thanks for sharing. My son just went through all of his 529 money and we told him he had to get a loan for the rest of his college (we already paid $125k so enough is enough!).

    It will be good to know about SOFI once he gets out.

    Reply
    • Michelle Schroeder-Gardner says

      December 18, 2015 at 11:06 am

      Thanks Steve! What’s your son going to college for?

      Reply
      • Steve Miller says

        December 18, 2015 at 11:23 am

        Food Science. He has changed his major several times so it’s taking him a bit longer than anticipated to get his degree. But I think he is now in the right field, as he is a Vegan and loves everything to do with food.

        Reply
        • Michelle Schroeder-Gardner says

          December 18, 2015 at 11:31 am

          Awesome!

          Reply
  14. Candice says

    January 28, 2016 at 10:20 am

    I have nearly $40,000 in student loans as well, but no degree to show for it. The goal is to put at least $400/month towards it, plus $4000 of my income tax return. I have also started a blog for side income and I’m looking into work from home opportunities for when I go on maternity leave in May. The goal is to have everything paid off within the next 3 years. Hopefully I can stick to the budget. Thanks for your tips!

    Reply
  15. FMS says

    January 30, 2016 at 9:40 am

    1) I still don’t get it how you made over 300K last year. Have explained from where did those money come from? When you make 300K gross income a year, you ar not going to scratch any dime you explained above. You HAVE MONEY, so paying 40.000 USD out of 300.000 + USD is something like 8-9% of the gross income(s).
    2) Have you paid your income tax?

    Reply
    • Michelle Schroeder-Gardner says

      January 30, 2016 at 12:58 pm

      I explain how I earn a living online in several blog posts. You can find most of them here – https://www.makingsenseofcents.com/extra-income. I publish a monthly income report that provides many details, so nothing is a secret.

      Also, I was not earning $300,000 back in 2013 (when I paid off my debt). If you read this post a little more carefully, you’ll see that I have edited it over the years so that it is up-to-date for readers who come across it and are new.

      Of course I’ve paid my income tax. Why would you think otherwise?

      Reply
  16. Caleb says

    February 9, 2016 at 11:37 am

    Kudos to you for paying off your student loans! I just graduated after getting both undergrad and grad degrees and I am super pumped about getting rid of mine! Can’t wait to be financially independent and start building up investments.

    Reply
  17. Millennial Boss says

    February 28, 2016 at 5:06 pm

    I purposely left $1000 in student loans for credit history purposes! My students loans are my longest open account and right now, when I am in grad school, the interest on those loans is deferred. Just a tip for any readers who were late to sign up for credit cards!

    Reply
  18. Taylor says

    March 8, 2016 at 2:51 pm

    Hi Michelle!

    I am finding myself feeling deja vu reading through this, although I ran into a speed bump in my plan! I am currently 22 and have my undergrad, masters, and a teaching licensure that was added after the fact. 4.5 years of school is not too bad for all that! I currently have about 48,000 in SL debt and just recently created a plan to get rid of it all and purchase and pay off a new car by the end of 2017. It is a super ambitious plan, and I, like you expect to roll over a few months because a lot can happen in 21 months and I am certain there will be random expenses made that take away from our payments.

    My husband just started his own company and therefore did not have an income from Oct-Jan and I just completed by student teaching and therefore did not have an income from Aug-Jan. As you can imagine our credit card debt piled up! Lucky, thanks to a big boost from our tax refund we were able to pay off 6,000+ in the last 2 months and finally have our CC balance at $0! This month I intend to pay off $4,000 of SL debt that is through a private lendor so that I can focus on my fed loans. I am hoping to make substaintial payments toward my fed loans before they come out of grace in June so that I eliminate 2 of my highest interest rates and pay off my current interest so that I don’t end up paying interest on interest! I also really want to start saving for a downpayment on a new vehicle so that I can stop praying my car will start each morning!

    Your post has shown me that I am not crazy! Although living without an emergency fund is scary, being out of debt will be worth it. And paying off my loans by the end of 2017 will save me $8,000-35,000 in interest based on the standard repayment plans. $35,000 is a whole vehicle! Brand new!

    I also just started a blog, which I have wanted to do for a very long time. Not really as an income source, but mostly just to kind of have a journal of my life. I’d love to learn more about how I can use this as an extra income source and make my goals even more attainable.

    CONGRATS! I cannot wait to be done with my debt and feel in control of my money!

    Reply
  19. Andrew Rocco says

    May 28, 2016 at 10:53 am

    I absolutely know what you mean when you say the huge balance on a student loan can make you want to throw up.

    I spent 8 years in college and at the end of it I’m left standing here with over $200,000 in debt.

    I have a pretty good paying job but I’m not satisfied with any of the repayment plans. The repayment plan I’m going for is the “Pay It Off As Fast As You Can” plan.

    Also a question: With Credible, is it possible to consolidate federal unsubsidized loans?

    Reply
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  15. The Benefits of Paying Off Student Loan Debt Early – Making Sense Of Cents says:
    December 8, 2014 at 1:52 am

    […] is a post by my staff writer Jordann. She submitted this post before I announced that my student loans are gone, so hopefully that will clear up any confusion […]

    Reply
  16. First Person: Why I Consider Student Loans to Be ‘Good Debt’ – Making Sense Of Cents says:
    December 8, 2014 at 9:48 pm

    […] Edit: My student loans are fully paid off! […]

    Reply
  17. Campus Book Rentals Review & How To Save Money On Textbooks – Making Sense Of Cents says:
    December 10, 2014 at 5:32 pm

    […] was even with me carefully managing my costs. Thankfully I paid off my student loans (read about how I paid off my student loans within 7 months), but I do like to help others in as many ways as I […]

    Reply
  18. We have $200,000 in Student Loan Debt – Making Sense Of Cents says:
    December 10, 2014 at 5:40 pm

    […] My Student Loans are GONE […]

    Reply
  19. Control Your Finances and Achieve Financial Freedom – Making Sense Of Cents says:
    December 28, 2014 at 4:34 pm

    […] Related post: How I Paid Off $38,000 In Student Loans in 7 Months […]

    Reply
  20. The 54 Best Personal Finance Tips of 2014 | Debt RoundUp says:
    December 30, 2014 at 4:32 am

    […] Read more about this tip […]

    Reply
  21. Student Loan Repayment Plan - How I Did It In 7 Months – Making Sense Of Cents says:
    January 26, 2015 at 1:56 am

    […] loans so quickly. I haven’t talked much about my student loans since I paid them off in July of 2013, but I know many struggle with their student loan repayment plan each and every […]

    Reply
  22. Loans and a Nurse’s Budget – Making Sense Of Cents says:
    February 8, 2015 at 11:45 pm

    […] I am out of student loan debt now, but it doesn’t mean that I have forgotten what it feels like. The stress can be unbearable. […]

    Reply
  23. 15 Tips: How to Invest Your Money While Young says:
    March 3, 2015 at 2:58 am

    […] Full Story: My student loans are gone. […]

    Reply
  24. 4 Reasons To Make Extra Money – Making Sense Of Cents says:
    March 22, 2015 at 6:00 pm

    […] to my past side hustles (most of which now comprise my full-time business), I was able to pay off my student loans completely, travel, quit my job, start my own business, and […]

    Reply
  25. Transparency in WordPress Part 2: Bloggers Income Reports says:
    April 7, 2015 at 6:39 am

    […] is a personal finance and lifestyle blog run by blogger Michelle, who impressively, managed to pay off her $38k student debts in just 7 months. In february of this year she made $23,758 which was her best month so far and […]

    Reply
  26. How To Save 50% Or More Of Your Income – Making Sense Of Cents says:
    May 15, 2015 at 3:46 pm

    […] each month can mean that you can reach your financial goals quicker. I was able to pay off my $40,000 student loan debt because of my savings […]

    Reply
  27. My Money Story - Making Sense Of Cents says:
    February 22, 2016 at 10:12 pm

    […] Due to side hustling, I was even able to pay off my student loans early, which you can read more about here. […]

    Reply
  28. 40+ Expert Tips And Ways To Make Money On The Side says:
    February 24, 2016 at 10:58 am

    […] it’s something I will ALWAYS be extremely happy about. My side hustle income allowed me to pay off my debt quickly, leave the job I disliked, start working towards my passion, and travel […]

    Reply
  29. Healthiest Foods For A Tight Budget | FITnancials says:
    March 1, 2016 at 1:01 pm

    […] How I Paid Off $40,000 In Student Loans In 7 Months […]

    Reply
  30. How Blogging Helped With Paying Off Student Loans says:
    April 28, 2016 at 12:27 am

    […] In July of 2013, I finished paying off my student loans. […]

    Reply
  31. 6 Student Debt Bloggers to Follow - Life and a Budget says:
    July 4, 2016 at 12:37 am

    […] Making Sense of Cents – My Student Loans Are Gone […]

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Hello and welcome!
My name is Michelle and I'm the author/owner of Making Sense of Cents. Learning how to save money and make more money changed my life. It allowed me to pay off $40,000 in student loans, start my own business, and I now travel full-time.
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