To the unexciting and decidedly ho hum 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 | -$2,325.63 | -$12,580.49 | $153.82 | 6.590% |
| Private Student Loan 4 | -$9,502.33 | -$13,280.33 | $45.40 | 3.625% |
| Private Student Loan 2 | -$6,853.77 | -$8,271.15 | $93.30 | 5.090% |
| 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 | -$3,723.48 | -$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 | -$443.14 | -$1,031.21 | $30.00 | 8.000% |
| University Student Loan 4 | -$245.50 | -$857.81 | $30.00 | 8.000% |
| Personal Student Loan | $0.00 | -$1,875.70 | $312.62 | 0.000% |
| Total | -$101,626.31 | -$128,663.26 | $836.01 |
June 2021 – Student Loan Balance(s): -$101,983.60
July 2021 – Student Loan Balance(s): -$101,626.31
Total Payments: $457.31
Net Difference: $357.29
If you read my June 2021 – Student Loan Balance(s) Update post then this pitiful update should come as no surprise. (For folks who might be reading my blog for the first time, I get paid once a month, on the 1st of the month, so my balance updates reflect payments that were made during the previous month). Because June’s discretionary income was spent paying off my expensive gallivanting with my bestie in May, I didn’t put anything towards my student loans beyond the minimum payments. Thus, this super sad update.
This post was really just to keep my honest and there really isn’t much more to say.
Private Student Loan 3 (PSL3) Update
With my July 1st payment, PSL3 is now solidly under -$1,500.00 (which will be reflected in my August student loan balance(s) update). While this student loan will absolutely be gone in August, the low balance has me feeling “itchy” and like I want to take on whatever slightly above minimum wage, part-time job is necessary to help me pay it off as soon as possible. While I talked about investing my time in more lucrative work in another post, one of the things I didn’t calculate in the “more lucrative contract work” vs. “steady part-time gig” calculation is that steady part-time gigs are less impacted by what is happening in the rest of your life. Often, part-time gigs are just a place you go, show-up, do your job, and leave. The upheaval in my life as of late has had me wishing I had a part-time gig (ideally involving manual labor) where I could go and do just that. I even went so far as to browse a couple of part-time job postings before deciding not to apply, as I will return to commuting to work on August 1st and my schedule will be less certain. Ugh.
Tomorrow is my two-year blogiversary and while I am not where I wanted to be or could be at this point, there are definitely some things worth celebrating.
Ms. Afro Penny 
While, okay, there wasn’t much change this month, your August student loan balance update will be so EXCITING!
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