I CAN REJOICE!!!
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It has taken nearly five years. I have had some times of interest. I went to a private school called St. Mary's College (CA) (www.stmarys-ca.edu) I've obtained my master's degree. It did cost $46,000 when I took the classes. But now, I can finally breathe easier...

I NOW HAVE $0 TO PAY TODAY!! I MADE MY LAST PAYMENT!!

I have been consistent - I did have a few missed payments when it was serious, but I didn't get more interest when there was interest put on me... and then COVID hit. But it was thanks to what the Democrats at that time did to give forbearance and the U.S. Department of Education in partnership as well. Although, one does see that when one is in forbearance, it's not required to pay interest nor pay every month. However, with what had happened, the interest was stopped in 2021 to 2023. Thank heaven-and that meant that I could keep my money. I know there have been some ramifications to get some collection of revenue for the government, but it is well worth it for the ones that have such loans to have some chance of not having to rack up anything for themselves and to make paying off their education more difficult. I do thank the Democrats, especially President Joe Biden, for having the empathy for all the students to have some chance of gaining some sort of wealth in order to pay off student loans later on.
It was last June that I was able to put to debt $1,000 and consistently, slowly put in just a little bit to eventually pay off my student loans by June 2026 when forbearance ends. However, in hearing there is going to be the reestablishment of interest to pay along with the forbearance, I did not want to take that chance. I guess the government was not going to play any more and they are more grouchy this time. Thank you, Big Beautiful Bill!

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According to the news on Nelnet (Logon if you have bills to pay: https://nelnet.com/welcome , or read this news: https://www.abc15.com/us-news/educa.....rest-in-august ), the times have changed now.

So, we do have a week left - August 1st is when the interest is going to return on your student loans. And, they are quite high if you are directly with the government. I did see it is about 7.8% for some and can be as high as 8.75% for perhaps parents paying for their children. This is serious if you want to have something for the future and every penny counts - well, if the penny is not phased out... Do remember that, although you are still in forbearance and you don't have to pay monthly fees, you still have interest to pay. So, whatever principal you have, pay as much as you can before the August 1st start of interest.

When it comes to your student loans, think about how it would feel if you do pay everything off. For me, I'll be using that money to invest in an outside Bay Area con or even some expensive commissions! No, I will not do a fursuit now because of tariffs.

Know that feeling when you have finally paid off a loan or completed your financing, like if you have paid off a mortgage or a car loan or lease, or even your credit card debt that totals perhaps more than $15,000 and there is crazy interest by the credit card company or bank, so now you have to face through loans and you don't have anymore freedom after August 1. Of course, there is "partial freedom," if you get what I mean, since there is the forbearance, and you don't have to pay monthly, but still...

So guys, if it is that you want to have such relief like I did, pay those principal amounts right away as much as you can. I'm no Suzy Orman, but if it will help you bring down your taxes too, listen to whatever good advice you get so you can get the best out of your money and the best for your future. However, if it is that you don't want to be having the thought of getting student loans every single day and you have to wonder when you're going to pay them, the time is now and DO NOT PROCRASTINATE. I'm sure that there's no turning back with the Big Beautiful Bill being passed and the Republicans are wanting the money to flow back in. So get your debts paid off right away if you can, or have it done in full before August 1st, otherwise you'll be in jail if you miss payments when the forbearance ends and you end up paying a HUGE balance to the government and you default.

Best of luck to all of you in having your debts paid, and in eventually saying to Washington once all is paid,

"You took my money, now shut up!! GTFO OF MY LIFE!!!"
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