I’ve paid off $13,175 in three months. That’s more than I paid off in the past ten years. Instead of feeling angry or “oh, woe is me,” that ten years of payments wielded poor results, I’m focusing on this new feeling I have about my debt, myself, and my ability to take control and make things happen in my life. I have to say:
Three months of kicking student loan ass feels pretty damn good.
It’s not just the balance that’s exciting. It’s the personal changes taking place. It’s the self-control, it’s the knowledge I’m gaining about money, about myself and what I really want. With each item posted to Craigslist or other action taken in the name of paying down debt, I feel my confidence swell.
Each dollar I pay down adds up in my bank of self-worth.
There’s something incredibly strengthening in making a decision and working toward a goal and seeing the results take shape. For so many years, I felt that I was at the mercy of my student loan servicer, the government, a bad economy, or my own inability to face the debt.
It took a while to gain the courage to tackle it. I have a million reasons for waiting so long – and not one of them even a little bit good. Now that I see that the power is in me, that “I’ve got the power” (cue early 90s dance song by Snap) my dreams don’t feel so far out of reach. They feel downright do-able.
Paying off debt is like building muscle. It gets stronger the more you work it. Every dollar paid off is a little more I can lift. And the student loan no longer feels like the weight of the world.
Image by ggvic