I apologize for my tardiness. Between the end of classes and being out of town, this just wasn’t the priority it should have been. To the numbers…
| Account | Debt | Debt (7/1/19) | Min. Payment | Interest Rate |
| Private Student Loan 1 | $0.00 | -$10,231.32 | $110.46 | 0.000% |
| Private Student Loan 3 | -$4,307.78 | -$12,580.49 | $153.82 | 6.620% |
| Private Student Loan 4 | -$9,535.66 | -$13,280.33 | $245.40 | 3.750% |
| Private Student Loan 2 | -$6,984.67 | -$8,271.15 | $93.30 | 5.120% |
| Federal Student Loan 1 | -$21,440.37 | -$20,583.34 | $0.00 | 6.800% |
| Federal Student Loan 2 | -$13,946.84 | -$13,457.55 | $0.00 | 5.310% |
| Federal Student Loan 3 | -$11,184.47 | -$10,737.40 | $0.00 | 6.800% |
| Federal Student Loan 4 | -$7,748.09 | -$7,518.58 | $0.00 | 4.450% |
| Federal Student Loan 5 | -$5,561.12 | -$5,520.10 | $0.00 | 4.450% |
| Federal Student Loan 6 | -$3,147.30 | -$2,849.21 | $0.00 | 5.600% |
| Federal Student Loan 7 | -$2,863.10 | -$2,649.80 | $0.00 | 4.660% |
| Federal Student Loan 8 | -$2,457.12 | -$2,538.91 | $0.00 | 6.800% |
| Federal Student Loan 9 | -$2,307.18 | -$2,047.30 | $0.00 | 6.800% |
| Federal Student Loan 10 | -$2,003.02 | -$1,813.31 | $0.00 | 5.600% |
| Federal Student Loan 11 | -$1,639.01 | -$1,573.49 | $0.00 | 6.800% |
| Federal Student Loan 12 | -$1,144.25 | -$1,035.88 | $0.00 | 5.600% |
| University Student Loan 1 | -$3,865.71 | -$4,581.00 | $60.41 | 8.000% |
| University Student Loan 2 | -$3,090.59 | -$3,629.38 | $0.00 | 0.000% |
| University Student Loan 3 | -$505.76 | -$1,031.21 | $30.00 | 8.000% |
| University Student Loan 4 | -$308.63 | -$857.81 | $30.00 | 8.000% |
| Personal Student Loan | $0.00 | -$1,875.70 | $312.62 | 0.000% |
| Total | -$104,040.67 | -$128,663.26 |
April 2021 – Student Loan Balance(s): -$106,077.01
May 2021 – Student Loan Balance(s): -$104,040.67
Total Payments: $2,157.31
Net Difference: $2,036.34
Not bad. Only $120.97 went to interest in April. Again, in general, that’s not great but given how large my student loan balance is, it’s definitely a win.
Last month, C suggested that I include the “original” balance amounts on my student loan report and include balances that have been paid off during my journey. It was a good idea, so I obliged. In the third column, I have decided to include the balances at the time I started this blog; I have also included the personal student loan from my best friend and Private Student Loan 1 (PSL1), which I originally removed from the table once they were paid off. While my student loan balances have been higher (and lower) at some point prior to when I started blogging, given that this was really the start of my journey here, I’ve decided the blog start balances make the most sense.
Ms. Afro Penny 
What a big change you’ve made in not even two years! And you’re going even faster now. PSL3 is not long for this world!
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Awe, thank you! It definitely makes me appreciate how far I have come. I am hoping PSL3 is still gone in June. Between my May vacation and paying for a summer class it might come up a bit short.
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That’s awesome, and it really does look even better with the extra column. You’ve come a super long way — you’ll probably be $30K down by the time you hit your two year blog anniversary — and it’s much more visible this way.
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Thank you for the suggestion C! Exactly, it makes me appreciate how far I have come.
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Love that you took C’s idea. It’s definitely a great addition to your table to see how far you’ve come. And less than $5k to go to get under six figures!
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C’s idea was a great one! I am so impressed with how much progress you’ve made! Where are you going for vacation? Jealous – we have to do staycations this year bc one of our dogs is a feral one we’ve been working on domesticating for 1.5 years & he will come inside for us. He actually loves being inside now that he’s discovered couches to sleep on & regular meals & that the temperature in here is almost always more comfortable than it is outside. The trouble is if we get someone to petsit the dogs when we go somewhere (this was an issue for us when we went to the beach for two days in December for our 4 year anniversary he wouldn’t come inside for anyone else & spent almost the whole time we were gone out in the yard). Sorry this mostly turned into talking about me lol but the message is I am impressed by how much progress you’ve made on your loans & am jealous/excited for you that you get to go on a vacation! And want to know (if you are willing to share) where you are going? 🙂
Cheers,
K
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Awe, it’s so wonderful that you are caring for animals with special needs. Comments are a way of sharing, thank you for doing that!
We have done a mostly socially distanced road trip of the coastal cities on the east coast and along the gulf. So…Virginia Beach, Outer Banks, Charleston, Savannah, Panama City Beach, Mobile, Biloxi, and New Orleans. I have had a great time but this turned into a much longer and more expensive trip than I planned…my June 1st numbers are going to be okay but July 1st is going to be disappointing in terms of debt repayment since my summer class tuition, medical school applications costs, and paying off this trip are all going to collide.
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You were actually quite close to my city on one of your stops. Secrets! lol
Med school application costs are so ridiculous! I remember when my husband was paying for all of that. Costs a lot to become a doctor
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