When I first told people my plan is to be debt free by age 30, I always get a few different reactions. People are either really impressed with my drive or they give a sarcastic smile and blatantly tell me I’m crazy because debt is just a part of life we need to accept. Though my decision seemed crazy and limiting to some, I knew that its much better than being normal. Frankly, other than deciding on my career and marrying my husband it was one of the easiest decisions I could ever make. And I’m guessing it wouldn’t be hard for you either, if you had to deal with things that I do.
I was sick of my heart dropping every time SallieMae called and coming up with excuses to avoid them.
I was sick of seeing a majority of my paychecks being spent on debt for a school that made me miserable.
I was sick of having to take student loan payments into consideration before every financial decision I made.
I was sick of feeling like I was dealt a life sentence for getting an education.
I was sick of putting my lofty travel plans on the back burner to hundred of dollars of student loan payments each month.
I was sick of feeling ashamed that I didn’t do my research before college and therefore found myself in a hole of debt on top of debt that far exceeds my income.
I was sick of the realization that I’m unlikely to be able to ever afford a house because I my student loan balance is already almost identical to a mortgage.
I was sick of watching my credit score drop because of difficulty making payments and a burdening debt to income ratio.