What repayment plan are you using?

If you haven’t done so yet, you might want to consider getting the required payment lower, so the impact of your money is greater. I use the Income based repayment plan (IBR) for my student loan. You may not qualify for that one but there are other options. My goal was to make sure that the extra payments I’m making went towards principal, not interest. That might shave time off your anticipated payoff date. Hope that makes sense. Ignore if you’ve already done this.

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