https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Sat, 11 Apr 2026 06:45:10 +0000 https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/3#post-2472080 Tue, 23 Feb 2016 23:34:39 +0000 birdofafeather 2472080@https://boards.hellobee.com/ <p>None for either of us. We are eternally thankful to our parents for that! </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/3#post-2472069 Tue, 23 Feb 2016 23:17:10 +0000 Torchwood 2472069@https://boards.hellobee.com/ <p>We did. I didn't have a ton (under $1000 I think), so DH just straight paid it off when we got married. (By which I mean we did, but he handles finances and also literally makes in a day or less what it would take me a week to earn, so I say he did it.) He had more ($25,000?), but we paid it off last year. It was so exciting! </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/3#post-2472063 Tue, 23 Feb 2016 23:06:59 +0000 Jess1483 2472063@https://boards.hellobee.com/ <p>No. My parents generously paid for my undergrad degree, and I was a TA through grad school for tuition/stipend. DH was in the military, which for a couple reasons paid for his undergrad and two graduate degrees. </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/3#post-2472059 Tue, 23 Feb 2016 22:50:37 +0000 PawPrints 2472059@https://boards.hellobee.com/ <p>We do not. None from undergrad, and I finagled my way through grad school in the black with scholarships and a couple TA/RA jobs. And eating a lot of beans. </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/3#post-2471844 Tue, 23 Feb 2016 18:29:59 +0000 NCSUchick27 2471844@https://boards.hellobee.com/ <p>No, mine are paid off. I started out with about $30k in loans, and paid them off in 5 years.</p> <p>DH has about $25k in loans left, and we plan to have most of those paid off by the end of the year. He started out with about $80k (undergrad and 4 years of grad school).</p> <p>We are planning on TTC once we get his paid off. </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/3#post-2471788 Tue, 23 Feb 2016 17:19:41 +0000 tofuwad 2471788@https://boards.hellobee.com/ <p>Debt-life forever! :crying: :crying: :crying: </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/3#post-2471779 Tue, 23 Feb 2016 17:11:36 +0000 autumnlove 2471779@https://boards.hellobee.com/ <p>I think we have 5 more years of payments for DH's grad school loans. </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/3#post-2471691 Tue, 23 Feb 2016 16:18:54 +0000 erinpye 2471691@https://boards.hellobee.com/ <p>I did, but it's paid off. </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/3#post-2471664 Tue, 23 Feb 2016 16:04:11 +0000 sapphire 2471664@https://boards.hellobee.com/ <p>I've paid off all but 2k if my undergrad loans. DH has more to pay in his but we're prioritizing herting those down as fast as we can. My Ned school loans are ridiculous but I'm applying to loan repayment programs and am very hopeful that I'll get an award that will forgive 1/3 to 1/2 of it. </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/3#post-2471656 Tue, 23 Feb 2016 15:59:40 +0000 Rainbow Sprinkles 2471656@https://boards.hellobee.com/ <p>Yes. I have 28,000. I am hardly making any progress on it right now. UGH. </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/3#post-2471636 Tue, 23 Feb 2016 15:50:28 +0000 psw27 2471636@https://boards.hellobee.com/ <p>Oh yeah... I have law school loans. My parents are helping me pay them down, thankfully. I really need to look into refinancing because my interest rates are super crappy! </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/3#post-2471632 Tue, 23 Feb 2016 15:48:57 +0000 Mrs. Champagne 2471632@https://boards.hellobee.com/ <p>We have none. Both our parents paid for our university. </p> <p>DH and I both worked and paid for books/parking/cars etc, but tuition (minus scholarships) were paid by my mom for me and his parents for him. So grateful. We will do the same for our kids. </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471613 Tue, 23 Feb 2016 15:38:36 +0000 Dr. Pepper 2471613@https://boards.hellobee.com/ <p>Yes. I started with $94k in 2011 when I graduated. I am down to $26k right now. They will be gone in October of this year. I will have paid them of in 5 years! </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471583 Tue, 23 Feb 2016 15:27:42 +0000 Mrs. Cookie 2471583@https://boards.hellobee.com/ <p>Yep! About 40K left. It seems like the number never guesgoes down... </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471526 Tue, 23 Feb 2016 15:04:39 +0000 ValentineMommy 2471526@https://boards.hellobee.com/ <p>Nope. I graduated with no debt. 8 years of college. </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471509 Tue, 23 Feb 2016 14:57:18 +0000 gingerbebe 2471509@https://boards.hellobee.com/ <p>@peaches1038: We were right there with you mama! DH was unemployed for like a year and a half after he graduated from law school (he moved across the country so we could be together and get married, had to take the bar exam again out here, and then wait to get licensed before applying, etc) so his loans were on IBR (with $0 payment because he made no money) and his loans ballooned by more than $30K by the time we started paying them back in earnest. It was scary when we bought our house last year how it didn't cost THAT much more than our original student loan balance. That and our mortgage was less than our monthly minimum payments!</p> <p>@SeptMomma12: DH refinanced with DRB too. We went from like 7.85% to 2 point something% (we did an adjustable rate, 10 year repayment with the idea that we would pay it off way faster than that). Its currently at 2.77%. His minimum payment on this play is lower than his 30 year repayment from Direct Loan - oof! </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471500 Tue, 23 Feb 2016 14:53:36 +0000 LindsayLou 2471500@https://boards.hellobee.com/ <p>No. I saved like crazy the last few years so I could pay them all off before we had kids. Paid the last one off last June, two months before baby arrived. Such a great feeling! </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471496 Tue, 23 Feb 2016 14:49:14 +0000 agold 2471496@https://boards.hellobee.com/ <p>I also have a 1% interest rate on my rather larger amount of student debt for myself. I'm not paying anything beyond the monthly minimums, though, because the interest is so low. I had other student debt with rates of like 5% and 6% that I continuously threw all tax returns, end-of-year bonus and extra monthly income at for the last 9 years since after I graduated. My husband has some shitty loans with 5% and 6% interest rates that we are now focused on paying off. Bummer but we are so happy with our college experience that we aren't too bitter about all the debt. </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471491 Tue, 23 Feb 2016 14:46:27 +0000 gotkimchi 2471491@https://boards.hellobee.com/ <p>@SeptMomma12: yes i did both at the same time. Took about 3 weeks total for me to apply and them to transfer my loans. I've been very happy with their customer service so if you need help with the application just call them! </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471486 Tue, 23 Feb 2016 14:44:34 +0000 SeptMomma12 2471486@https://boards.hellobee.com/ <p>@gotkimchi: Thanks! Did you go through the application process with both to compare rates? I started the DRB application last night - it's quite the process! </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471425 Tue, 23 Feb 2016 14:24:54 +0000 MaryM 2471425@https://boards.hellobee.com/ <p>I was down to 6 or 7 K last year </p> <p>We paid it off with money left over when we sold our house. </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471388 Tue, 23 Feb 2016 14:12:10 +0000 blackbird 2471388@https://boards.hellobee.com/ <p>Not right now, but i will when I go back to school, and I'm already trying to figure out the best way to pay off 85k. I'm hoping to have maybe a third of it saved up for, up front?...we'll see =\ </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471381 Tue, 23 Feb 2016 14:10:35 +0000 gotkimchi 2471381@https://boards.hellobee.com/ <p>@SeptMomma12: FYI I refinanced with drb from 6.8 -3. Also checked sofi but the rate was higher (4 or 4.5) </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471379 Tue, 23 Feb 2016 14:08:34 +0000 Pumpkin Pie 2471379@https://boards.hellobee.com/ <p>No. It was the first thing we paid off, and we were super strict about budget so we can pay it off. I know everyone thinks its "good debt", but I felt so horrible having that huge debt loom around us all the time, and you can never ever get rid of it, even if you go bankrupt. So, I made it my mission to get rid of that asap. </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471358 Tue, 23 Feb 2016 13:58:46 +0000 winniebee 2471358@https://boards.hellobee.com/ <p>@SeptMomma12: I graduated law school in 2005; they were FAFSA/Safford loans and I consolidated them when I graduated in 2005. It was crazy low then, not the same now! </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471355 Tue, 23 Feb 2016 13:54:16 +0000 SeptMomma12 2471355@https://boards.hellobee.com/ <p>@winniebee: Where did you get that interest rate?!? Mine is 6.625% and I'm currently looking to refinance. </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471333 Tue, 23 Feb 2016 13:46:44 +0000 BKCaribBaby 2471333@https://boards.hellobee.com/ <p>Heck yeah. Undergrad and professional school. </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471291 Tue, 23 Feb 2016 13:31:27 +0000 peaches1038 2471291@https://boards.hellobee.com/ <p>Ugh yes. Combined we have over $300,000. I have a doctorate and DH has his masters. His parents couldn't help at all. Fortunately, I qualify for public service loan forgiveness and will be done in about 6.5 years. We are doing income based repayment so the monthly payment is manageable. I try not to think about it. </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471278 Tue, 23 Feb 2016 13:26:00 +0000 Boogs 2471278@https://boards.hellobee.com/ <p>Fortunately neither of us do. It took me a little longer to graduate because I worked to pay for it, but thankful now to not have the bill to worry about. </p> https://boards.hellobee.com/topic/do-you-still-have-student-loan-debt/page/2#post-2471274 Tue, 23 Feb 2016 13:23:07 +0000 yerpie110 2471274@https://boards.hellobee.com/ <p>So thankful we have none. dh paid off his undergrad loan many years ago. I went to undergrad for free (dad is a professor at the university) + stayed at same school for my masters degree and had half covered for the same reason. My parents paid the other half (incredibly grateful for that!). I went to a different university for my doctoral degree and had half paid for in scholarships. I was married by that time and dh paid for the other half. </p>