[-$56,000] It’s Half Gone! I’ve Paid Off 50% of My Student Loan Debt!

Another milestone post!  This one will be short and sweet.

I made an extra $912 payment today. (That’s almost back up to my goal of paying $1000 extra/month).

I did this because it looks like my housing situation will be stabilizing soon and I may not have to move after all, at least not anytime in the very near future. My rent will still be going up until we find someone else to move in. It may take a couple of months or so, because we don’t want any more drama and will take our time with selection.

When I started this blog, my student loan debt topped out at $112,258.

Today, it is at $56,000.

I’ve paid off 50% of my student loan debt!

I have now reached the peak of the mountain and only have to roll the boulder downhill  from now on.


“Debtor’s prison is real, and opportunity cost is a bitch.” (DDSW Archives)



  1. Debt Free Alpha · 19 Days Ago

    Congratulations on reaching the 50% mark with your debt payoff plans. This is huuuuge!!!! You’re doing an amazing job, keep up the great work! There is light at the end of the tunnel.


  2. Michelle · 19 Days Ago

    That is amazing!! Congratulations, it is all downhill from here!!!


  3. Rachel Allene · 19 Days Ago

    Woot Woot!!! So happy for you – way to go! Your hard work is paying off!!!


  4. Leolin Bowen · 19 Days Ago

    Congratulations! I am still working my way up my hill so you are motivating me!


  5. The Bookworm · 19 Days Ago

    You are such a ROCKSTAR!!!


  6. Isabella · 19 Days Ago

    Awesome! What a journey you have had, but you kept at it. Downhill, girl!


  7. rmblsandrnts · 19 Days Ago

    Congrats! -halfway there, halfway there- 🙂 I’m just beginning my uphill trek, so it’s nice to see that hard work will pay off!


  8. Maria · 19 Days Ago

    Congratulations, that is so awesome!

    And great new about your housing situation too. Even though your rent will be going up some and even though it’s not a given how long you can stay, every month you get to stay there helps, right? (As I’ve understood it, even with the increased rent it’s significantly cheaper than most other rentals in your area.)

    Are you still planning on spending your bonus and tax returns on the credit card debt, vacation etc, or are you making any changes now that your housing situation is looking up?



  9. Krista · 18 Days Ago

    That’s amazing! And so nice that you don’t have to worry about finding a new place to live:) I find that super duper stressful.


  10. Fiscally Fit Chica · 18 Days Ago

    I’m so proud of you and happy!


  11. C@thesingledollar · 18 Days Ago

    What a great post to see! I’m so happy for you, and so excited to see you slide downhill!


  12. zeejaythorne · 18 Days Ago



  13. Solitary Diner · 17 Days Ago

    That’s all very exciting! Congrats on reaching the halfway point, and happy to hear that you will likely not have to move. Yay for reasonable housing costs.


  14. Viking Tantan · 17 Days Ago

    Congratulations! Also, not sure when you’re heading towards my way, but as far as maps, download the Naver map app if you have a smartphone. It’s way more accurate than google maps and now comes in English. 🙂 Let me know if there is anything else you might want a heads up on. 🙂


  15. czanclus · 15 Days Ago

    Wonderful milestone, congratulations and welcome to the “downhill” ride.
    As it happens, I am too just approaching the 50% loan payoff “peak” if I count only the two remaining federal loans and not my now 7 years bygone private loan I paid off in 2011. The total original principal on those two loans was $56,100, and as of 03/15/18, I should be down to $28,050. I don’t know if I can sustain the extra principal payments like I had planned though, so this last $28,050 will for a while feel more like a downhill drag than a stroll. Better income needed PRONTO! This whole X part-time gigs stunt I’m trying to pull off is really getting old.

    Hope once your trip is over you and your current roommate find a great new roommate, and you can crush that loan well before the projected finish line.


  16. Anonymess · 7 Days Ago

    That’s awesome. Congratulations! I hope you celebrate yourself for the hard work that went into reaching this milestone.


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