This one will be short and to the point. 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 | $0.00 | -$12,580.49 | $153.82 | 0.000% |
| Private Student Loan 4 | -$6,231.87 | -$13,280.33 | $45.40 | 3.625% |
| Private Student Loan 2 | -$6,660.81 | -$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 | -$3,503.40 | -$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 | -$349.02 | -$1,031.21 | $30.00 | 8.000% |
| University Student Loan 4 | -$155.14 | -$857.81 | $30.00 | 8.000% |
| Personal Student Loan | $0.00 | -$1,875.70 | $312.62 | 0.000% |
| Total | –$95,432.70 | -$128,663.26 | $836.01 |
September 2021 – Student Loan Balance(s): -$98,014.00
October 2021 – Student Loan Balance(s): -$95,432.70
Total Payments: $2,656.65
Net Difference: $2,581.30
Despite ongoing stress and disappointments in my personal and professional life, in terms of debt repayment, September was a great month. My very, very modest bonus was taxed at 50% but helped to meaningfully chip away ($750.00) at Private Loan Student 4 (PSL4).
Gig Income Update
Net Gig Income Goal for September: $600.00
Net Gig Income Actual for September: $398.56
Difference: ($201.44)
Net Gig Income Goal for October: $600.00
My program work for University B began in earnest in September and I have had to work three weekends in a row for my full-time employer, which seriously cut into my time to pick up gigs…and rest. Unfortunately, that resulted in me falling short of my gig income goal this month. While my weekend obligations for my full-time employer won’t change in October, my work on campus will settle a bit so I am hoping I have both the time and energy to pick up more shifts. For now, I am going to keep the same gig income goal for October. Especially since I’ve calculated that if I meet my gig income goal for October, November, and December, I would reach my goal of getting below $90K this year.
Ms. Afro Penny 
Wow you’ve been really killing it with these $2000+ payments lately! I must admit, I had some reservations on the gig idea initially, but I think you’ve really found some good balance. I’m glad that you’re not discouraged whenever you don’t meet your gig goal due to other circumstances.
And gosh, I don’t want to get my hopes (or yours) too high since I know anything can happen between now and the end of the year but the possibility of you getting under $90k this year is so exciting!
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Sorry! I don’t know how I missed this comment…
Yea, the $2000.00+ month payments have really helped me get through the $90Ks faster than any other $10K chunk…October will be another $2000.00 month based on the payment I was able to make on October 1st. While I am not trying to get ahead of myself, even if I don’t entirely pay off PSL4 this year, because I am also making payments on other student loans (which I often forget) I still have a really good shot at making it under $90K this year.
Thank you 🙂 I feel like I have struck a decent balance between gig work and taking care of myself.
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It’s so great to see PSL4 so LOW! You’re killing it! I’m sorry to hear about the stress and disappointments in your personal life. I admire you for staying focused despite that. Your personal life will be looking up before you know it, because that’s just how life goes. 🙂
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Sorry! I don’t know how I missed your and Avery’s comments…
Awe, thank you 🙂 You’re absolutely correct. It often feels like my personal and professional lives are always in a state of flux but my focus on debt repayment is consistent. This has recently become a concern…I worry that I am hesitating to do things I need to do to move my personal life or career forward because I am too focused on debt repayment in the short term. It’s food for thought.
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