Not mad that student loans being paused means I can use the money for Christmas. Are you still making payments during the pause? Or are you saving the money for something else. My christmas present to myself is a spa day!

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Still making payments

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I know I should be making payments, but have instead put that money towards extra mortgage payments. Figured that debt ain’t going anywhere soon ($240k left…) and it’s an immediate impact on bottom line to get out of PMI while I have the chance for extra payments.

It all depends on your situation. My student loan interest rates are between 5.3-5.9% and my mortgage is only 2.7% so it’s a no brainer to pay off the one with the higher interest for me.

Not making a single payment since the freeze. Saving cash for a big down payment for a house when the market will dip and mortgage rates will still
be high.

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