I Paid Off $90,000 of Debt in Just Three Years

Stephanie is on track to pay off her debt entirely in February.

It’s funny how you can do all of the right things–go to college, get a job–and then one day wake up with crushing debt.

At 26, I was working hard and playing hard in Washington, D.C. I thought that I had everything under control–despite living practically paycheck to paycheck, having significant credit card debt and paying the minimum on my student loans.

Luckily, someone special woke me up to the reality of my financial situation. It took a lot of hard work–and some serious creativity–but three years later, I’m almost debt-free. Here’s my story.

The Pitfalls of Free Money

I knew from the outset of my college search that my parents had limited funds, but that didn’t stop me from attending the University of Maryland out-of-state to get an undergraduate degree in anthropology, and the University of Tennessee out-of-state for my master’s in non-profit education.

I didn’t even try to get scholarships or grants; I funded both degrees with student loans—a common mistake. When student loans are being passed out, it’s like free money. You don’t grasp that you’re going to be 23 and earning a modest income— while trying to pay back loans that total twice your salary.

On top of that, I put some of my living and student expenses on credit cards—entertainment, phone bills, groceries—as well as anything else that I didn’t feel like I had enough money to cover. So by the time that I got my master’s in 2007, I had accumulated tens of thousands in student loan debt, and almost $9,000 in credit card debt. I was just 24 years old.

RELATED: Which Debts to Pay Off First?

After graduating, I moved to Washington D.C., where I got a job at a non-profit that paid $50,000 a year--and lived as though I didn’t have any debt. I paid the minimum on my loans, and spent $1,400 a month for a studio apartment in the fashionable Dupont Circle neighborhood. I went out with friends a lot, spending $50 every weekend night–attending countless happy hours.

I honestly–and foolishly–thought everything was fine.

New Romance—and a New Outlook on Money

Three years ago, I met Rob. Beyond his good looks and amazing sense of humor, he’s very grounded and carefully considers every decision. Since I’m more spontaneous and free spirited, we balance each other.

One night six months into our relationship, I told him about my debt. I wasn’t even sure what I owed, but I could ballpark it.

It wasn’t exactly a deal breaker, but he didn’t take it well. “That’s a lot of debt,” he said. “Have you ever thought about how long it would take to pay that off?”

This was a guy who’d gone in-state, his parents had paid for school and he was in a great financial situation. At 26, he was already saving for a house!

That night, I went home and found the Department of Education’s student loan site, where you can pull up your debt, and then I plugged that info into a spreadsheet.

It was a smack in the stomach: I owed almost $90,000.

RELATED: Should I Get a Financial Planner? 5 Money Conversations From CFPs


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  • Henry Westwood

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  • https://www.facebook.com/profile.php?id=100004703026255 Anderson Ann

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  • russell Abruzzy

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    Dr. Great Odudu bring back my lover in a period of 2days i have being hearing about the testimony of Dr. Great Odudu i never believe on till when i lost my lover that is when i contact the Dr. Great Odudu on dr.greatoduduspellhome@gmail.com truly he make me a happy person and ask am speaking am living with my lover will are fully married all my appreciation to Dr. Great Odudu for bring back my lover my tears have become happiness all with the help of Dr. Great Odudu.i want to tell you all that have being looking for up and and you are confuse hear is Dr. Great Odudu the answer to all problems via him now for help and i assured you in just 2days your story will be change for good i promise you via dr.greatoduduspellhome@gmail.com

  • Nicole Tyler

    I am out here to tstify about the good work Dr Marvel has done in my life with his healing spell. I have be suffering from HIV diseases for the past 8 months now befoe I came accros Dr Marvel who healed me with his powerful healing spell. I never believe that Dr Marvel could ever get my HIV-AIDS cured with his healing spell, i have tried almost everything but i could’nt find any solution to my disease, despite all these happening to me, i always spend alot to buy a HIV drugs from hospital and taking some several medications but no relieve, until one day i was just browsing on the internet when i come across a great post of a lady who was tstifying about how she get cured of her HIV disease with the help of these great powerful healing spell caster called Dr Marvel. So i have to contact him, and he ask me some few questions and he said a thing i will never forget that anyone who contacted him is always getting his or her healing in just 3 days after doing all he ask from me, so i was happy all the time i heard that from him, so i did all things only to see that at the very day which he said i will be healed,I regain all the strength that has left me before back and i becomes very strong and healthy,this disease almost end my life, so i went to the hospital to give the final test to the disease and the doctor said i am HIV negative, i am very happy and greatful to Dr Marvel about the healing he have given to me with his healing spell. You can also email him for any kind of help via email extremespellhome@hotmail.com or directly through his website http://extremespellhome.webs.com. thank you once agian Dr Marvel..

  • mark

    Mark Moel Loan HOUSE
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  • Mrs Mary Smith

    Hello Beloved People,

    I am Mrs. Mary Smith am writing this letter because am really grateful for what Mrs. Clara Morgan did for me and my family, when I thought there was no hope she came and make my family feel alive again by leading us loan of low interest rate of 3% I never thought that there are still genuine loan lenders in the Net but to my surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would like you to email VIA (clara_morgan@outlook.com) I wish you all success

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  • williams wood

    HEAD OFFICE-4 Queens Square,Belfast,BT1 3DJ united kingdom [London].

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  • Mr. Kianersi

    Dear Sir/Ma Good Day,

    My name is Mr. Ezzatollah Kianersi, I would like to let you know that we provide Financial Instrument (BG/SBLC) Convert Into Funds Through Your Bank or Secure Your Loan With BG/SBLC As Collateral through your Banks as well okay. This is the details you will need below:

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