If you read my 2021 Financial Review, then there isn’t much to see here. Well, that’s not exactly true… To the numbers!

July 1, 2019 – Student Loan Balance(s): -$128,663.26

December 1, 2021 – Student Loan Balance(s): –$91,622.63

January 1, 2022 – Student Loan Balance: -$88,878.54

Total Payments: $3,196.74

Net Difference: $2,744.09

So the first thing to note is that soul-crushing interest is back. Okay, okay, the first thing to note is that the table is gone. With only one student loan, it seemed to make a great deal more sense to just take a screenshot of my account since it includes all of the pertinent information. The second thing to note is that soul-crushing interest is back. Also, the Biden Administration has decided to extend the student loan payment and interest forbearance on federal student loans until May 2022 despite saying that there would be no additional payment or interest rate forbearances. Obviously, I’m not at all upset about it. Ha! Lol, can you imagine? I am clearly a upset about it. Or rather, I am upset about how I timed my refinance. However, I am really happy that our lawmakers are continuing to prioritize student loan relief for millions of Americans. So, I’ll get over myself.

I’ve stated ad nauseam that December was a huge month. No need to rehash it here. With uncertainty about what my transition at University B will look like and my new job not starting until later this month, January is going to be an odd and unpredictable month in terms of income. In my 2022 Financial Goals post, I asked you all for your help in deciding how I should approach my student loan debt repayment in 2022. If you have not already voted in the attached poll, please do so expeditiously! If you are feeling a bit more chatty, leave me a comment! For now, I will focus on paying at least $2,000.00 in student loan debt payments this month…