Welcome to the Ms. Afro Penny blog! I began blogging about my journey to eliminate $130,000.00 of student loan debt on July 4, 2019, as AfroPenny, on a blog entitled Debt End Date. Two years later, I have paid off $31,633.43 of student loan debt and saved $5,000.00 in an emergency fund, on $50,000.00 income. Whether you are a new reader, or have been reading since the beginning, I hope you will continue to follow my journey and possibly share yours with me.

P.S. My blog name has nothing to do with an interest in courtesy titles or honorifics, and everything to do with my love for Janet, excuse me, Ms. Jackson. Please feel free to call me Afro Penny or just AP (I feel terrible every time someone writes a comment and actually takes the time to write out Ms. Afro Penny. I guess I should have been a bit more pithy with my blog title.

Latest from the Blog

December 2021 – Student Loan Balance(s) Update

If you read my Misc. Income Report (Earned through 11/26/2021), then you already know that December is shaping up to be an interesting month and that my December update was going to look a lot different from previous updates. If you didn’t read that post, then now you know. To the numbers! Account Debt Min. […]

My Student Loan Refinance (Part 3)

I don’t know what information is pertinent or not pertinent to anyone who follows my blog so I will try to be as complete and succinct as possible here. I will refer (link) back to this post when I make reference to my refinance in the future. Amount refinanced: $89,064.00Rate: 3.500%Minimum Payment: $636.76Loan term: 15-year […]

My Student Loan Refinance (Part 2)

When I began my student loan refinance search, it was really difficult to find information or reviews that weren’t from a lender (SoFi’s marketing game is strong) or from a financial technology company (e.g. Credible, NerdWallet, BankRate). While these are both good sources, the information they provide is generally pretty generic until you submit an […]

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