January 28, 2022 marked my one year anniversary of paying off my student loans . Reflecting back on choosing to pay off my student loans leaves me with several take a ways that I want to share with you! In September 2020 I decided to become debt free by utilizing the debt snowball method to pay off all my debt. Before this I had struggled to save and really understand basic financial principles. As a first-generation college student, I received a scholarship to attend undergrad for free, but the scholarship did not cover summers. During the summers I took out student loans to cover costs without paying interest rates or how much I was taking out. By the end of undergrad I had amassed a little under $17K. Fast forward to graduate school I received another scholarship that covered my education. At the time I was a teacher in a new very expensive city and I had missed the cutoff to have my paycheck last me throughout the summer. So, I decided to take out a loan for two summers to ...
It’s the week of Thanksgiving and everything you could imagine is due or very close to being due! I remember being here as an undergrad student; I always felt the most stress around this time. Now as a doctoral student, this stress is gone because I have turned in everything early and my semester is almost over. I figure someone reading this is probably running around like a chicken with their head cut off so here are a few tips on how to beat the dreaded mid semester crunch. Figure 1: This is a thumbnail of my latest YouTube video where I am sitting in my office looking at the camera with a confused look. I am wearing an orange floral top, with silver hoops, and my hair is short and curly. First things first have you checked your grades? Around this time, I find that many students do not know their grades and are hoping for the best. While I appreciate the optimism, it is important that you actually know your grades so that you can make informed decisions on your next ste...