Paying Off Student Loans in 2026 Looks Like This

If they divorce, her husband is on the hook for 50% of that $196K student loan debt.... ouch.

I told my husband that once I
Realize that student loans repayment isnt something that you can "set it and forget it" not and have to be actively engage in strategizing and reassessing how I can pay off my loans faster that's when I was able to pay off my loans.

I’m still waiting for an influencer type person like you to acknowledge that people just are not that smart numbers are inherently different from our brains and how they work, which is storytelling😊

It all depends on the interest rate. 6%< pay it now

Not worth getting a student loan for an underwater basket weaving degree.

Don't listen to this crap. Invest your money to earn 18 plus interest. Invest in some aggressive stocks.

A lot of people are in massive debt to pay for degrees in liberal arts, fine arts, any type of studies having anything to do with a culture, etc. there are very few courses you actually need college for and even those are over priced. The money mostly goes towards the administration anyway.

Everyone cries manslaughter but its more nuanced. The firefighters did not start the fire. By the time they got there just a few minutes before her passing, the house was engulfed already. Plus even if she got out, she had been inhaling smoke for 20 minutes so not many people survive that.

What I seen with these videos is they had 2 jobs but one pays extremely well like the er nurse job or maybe they have a place to live with no excess bills.
For the average person who has their own children and stuck making a little above average it’s just a trap. Like you can throw your extra at principal but when the prices of everything are so extreme and our elected leaders some house make almost $200k a year nothing will get done about it because these people making the decisions don’t know what living at the bottom is anymore.

Burnout and chronic stress can also lead to chronic illness (physical or mental), leading to a disability leave, which will make debt payoff WAY harder and actually increase your debt and medical expenses. important to keep in mind...

Compound interest knowledge should be a requirement to take out a student loan. I mean this is college people

It should be illegal to loan a 17 year old thousands of dollars with a 17% interest rate. At the least these loans need to show these kids in large characters on the first page how much interest will be added to their loan each year.

All these college students and they have absolutely no understanding of the time value of money.

Woman in pink is a snake. Hiding crucial information like a 200k debt before marriage.

Did she not read the 17% interest when she read the contract??? If she can’t read, she should have never graduated from high school.

never been happier that i went to community college in my life omg

Not to be super insensitive but for anyone who reads this, of making a TikTok crying about how you have 17% interest loans, start googling what you can do to get out of them.

You'll quickly find you can refinance student loans for at low as 3-4%, that your employer might have student loan rate discounts or programs to help you pay them off.

It might not be easy but dig, and find a bank or credit union that will see you're paying and current, and just want to get a lower rate to pay it down faster.

Also, DON'T IGNORE CHECKING ON YOUR FINANCES. This is how you end up paying 17% interest on loans and wasting money for years. It's scary and sucks looking at them but DO IT.

Also also....girl I see leather seats on your car 👀. Sell that sh and go get a beater.

I had been paying on my Chase student loan for 10 years, before I checked on it and saw that it had barely budged from the original $16k I'd taken the loan out for. I started pay 2x the minimum and whenever I'd saved up big chunks of money, I took most of it and paid extra. That loan was payed off in like 2 years lol

I paid off my 25k student loans almost 2 years ago. Im 42 now and it took a while, but it was a burden that I was glad to be rid of. Ive been able to put those payments directly into retirement and my savings has exponentially increased.

The horrible stupid comments other people make who dont have this debt and dont even understand the panic and horrific abuse of these banks and government allowing this!!
Your student loan monthly payment is NOT SHOWN TO YOU NOR DISCUSSED WHEN YOU CALL TO PREPARE YOURSELF!! THEY LIE AND LIE!

I would do it in one lump sum in 6 months or even a year. It will be easier to prove in my eyes with principal. I would NOT DO THIS UNLESS i have at least 6 months to one year of emergency monthly funds! It can take months to find a job and that is more important than paying your loans in advance! Make sure your loan company ACTUALLY PAYS THE PRINCIPAL TOO!! NAVIENT WOULDN'T, PUT IT TOWARDS FUTURE PAYMENTS WHICH WAS BULLSHIT!! DOUBLE CHECK THIS TOO BEFORE GETTING ANY LOANS! CALL THEM AND ASK FOR DOCUMENTATION TOO! DONT TRUST YOUR FINCIAL STUDENT AIDE PEOPLE EITHER, THEY SAY WHATEVER TO GET YIU TONGONTONTHEIR SCHOOL!
Be PREPARED THAT THESE LOANS COMPANIES WILL BE DISHONEST, LIE AND NOT REFLECT THE EXTRA PRINCIPAL YOU ARE PAYING. I LLOST OUT IN SO MUCH MONEY FROM CORRUPT NAVIENT FORMER SALLIE MAE WHO IS NOW BANNED FOR ANY LOANS!
THESE OTHER COMPANIES ARE JUST AS BAD!! READ ONLINE ABOUT GOVERNMENT LOANS, READ REDDIT.
IT IS BETTER TO LIVE AT HOME, WORK TWO JOBS SAVE UP AND PAY FOR COLLEGE! YOU WILL SAVE TENS OF THOUSANDS OF DOLLARS TO HUNDREDS OF DOLLARS!
MY PRIVATE LOANS REFUSED TO LOWER MY PAYMENT WITH LOANS THAT WERE NOT CONSILADATED, MEANING Seperate loans!!
A six percent private loan is $650 a months! They NEVER lowered my payment WITH PAYING 50 PERCENT OFF eventhough they were seperate non consolidated loans and paid off half in five years, payment never went down when paid in full cash!
LAWYERS WERE HARD TO FIND AND EXPENSIVE, MANY TOLD ME TO PAY OFF THIS DEBT!
THIS IS SERIOUS AND HIGHLY DISCOURAGE ANYONE PAYING PRIVATE NON FEDERAL LOANS AND FEDERAL LOAN COMPANIES ARE JUST AS BAD TOO, CORRUPT CORRUPT CORRUPT AND READ REDDIT ONLINE ABOUT HOW THESE PLACES HAVE RUINED THEIR LIVES!!

We paid off my 160k in student loans plus 35k in my husband's loans. Took about 8 years. We rented cheap, drove old cars, stayed within our means, and threw every bonus, tax return, and RSU at it. Any salary increase was automatically put towards the debt. Chose not to have kids or buy a house until after the loans were gone. We paid the loans off in 2021 a few months before we bought a home (we simultaneously saved up for a 20% down payment). Had our beautiful son in 2024 and started his 529. Most of the extra income goes to maxing out our 401ks and IRA. Even managed to pay off 11k of my mom's student loans last year.

The hundreds of billions spent on foreign state driven Middle East war would have paid off student loan and mortgage for almost all White Americans booby-trapped by this scam! This student loan trap has direct correlation to White population having less kids (and no kids) and postpone marriage. By 2050, all these MAGA dumbos who oppose student loan forgiveness will find out that MAJORITY the very same student loan victims are White Americans. The self-strangulation and dumb geopolitics tantrums comes around election cycle to distract you from what is killing you silently. STUDENT loan debt is probably the single most debt/trap preventing millennials and GenZ's from owning home and having more children. It is sickening. I am black by the way, but I can smell this shit ahead of majority dumbo focused on catchy headline! How can you justify a hard-working student, who stayed away from drugs, aced their grades and keep paying loans but the balance keeps going up. Imagine, paying off 40k on 50k loan and the balance still 65k???? This scam needs a million person march on the Mall or mass rally on WEEKDAYS, I will repeat on WEEKDAYS throughout US cities to send a message. Talk about the greatest nation on earth (giggle) when you are being replaced by foreign students with ZERO debt while you keep throwing money into a blackhole when it should have been going towards your future home, 401k or savings. Boomers and dumbos: please don't tell me here that everyone should go to vocational school to be a mechanic or truck driver. I already know your low IQ counterarguments _ all 45 million Americans should avoid college education instead drive trucks and cut grass.

Wage slaves and indentured servitude!😢

The creator calls out the woman’s loan as “horrible“. How is it horrible? Did they hide the interest rate? Did they not disclose all the terms and conditions as required by the federal government? No, I’m sure they did all those things correctly. However, it was the woman’s pure ignorance, her foolishness, and inability to do any kind of basic research, that led her to her own quandary. The fault is not with the loan company. The fault is with the consumer. Stop slandering innocent companies. Let’s call out where responsibility truly belongs. It belongs on the borrower 100% for her self-inflicted debts. Take heed of this miserable woman’s example!!

For the PSLF, I was told that you can buyback time that was in forbearance

yeah, you gotta pay more than the minimum.

There shouldn't be any intrest on a student loan, other than maybe 1-2%
I feel so fucking horrible for that ER nurse with 10% intrest, how is that even legal and secondly to work 14 + 11 days with only 1 day in the middle, is crazy!
If you know anything about working in an ER you will understand how much pain I feel for her-

Try studying at a foreign university

The last person problem was due to, that the federal court injunctions have halted the SAVE plan and temporarily disabled online income-driven repayment (IDR) and consolidation applications on StudentAid.gov. However, you are still permitted to switch repayment plans using a paper/PDF application to move out of the SAVE forbearance. This is where she is having the issues that she is having.

My late husband, I, and our adult son all had modest student loans, Paid off 100% with no special programs or help. Do what it takes- work, work, work, , and pay them off!

I went out of California to Maryland for a PharmD degree. 3 years right after graduating, I paid off my student loan; couldn't do it if I paid CA tuition

I worked full-time and only took as many classes as I could afford per semester. It took me longer to get through college but I got out debt-free. My daughter did the same thing.

$27/hr for an ER nurse? That doesn't make sense to me. My daughter is a regular nurse and she makes way more than that and she is younger than that lady looks. My daughter in-law's sister works in the ER in Asheville, NC as a surgery tech and that is about what she makes.

Pay off far more then your minimum folks. And if its anything near double-digit interest rates - you make sure you refinance for a lower interest rate. (Source: I have Student Loans, but you take em for the right reason and make sure you tackle them in order!).

I like watching these even though I paid off all my student loans lol