What are some of the best ways you have paid off student debt? I have 180k and I want to aggressively lay it off. For context, I am one year into my career and have spent these months getting rid of $20k of consumer debt. Want to be responsible and keep the momentum going.

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If it's not your highest interest debt then just steadily get after it.


You need 6ish months of savings in a highly liquid savings account...cap one or any other place with the highest yield ...do not touch it!

Go to at least your company match on 401k
(Free money)

Get your other finances down to what you may feel most comfortable with. Don't need to live I'ma cave or have no fun, but be reasonable.

Pay down debt ASAP.

Do not let your lifestyle slowly creep to something that is not sustainable . The habits you create now will stick


I think it’s simple.
-Save on your lifestyle
- 0 CC debt unpaid on every monthly statement. FOREVER
- Invest only on 401K up to company match and that’s it. No IRAs, no ETFs, no nothing
- And then, absolutely EVERYTHING you don’t spend every month you put it towards debt. Just make sure you have a 6 month equivalent of monthly expenses saved aside before you do that


For encouragement, I’ve paid my 90K MBA debt in 1.5Y living in a sweet apartment in LA and with a pretty decent lifestyle. It’s totally doable, it will take you less than 5Y maybe even less than 3 depending on where you live


Thank you both for your advice!!

Out of curiosity, why do you have 180k in student debt?

Law school and LLM

It was 3 years for law school and 1 year for LLM. I think the LLM was overkill but I wasn’t getting job offers in the right field and where I was it was low salary less than $80k, and the difference in debt was only $30k. My only regret was not working hard for scholarships.

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