<prompt> Human: Here is the original post. And here is a graph of the result. The spikes you see on the graph are from selling my fun stock thanks AAPL and GILD, bonuses, tax returns, and 2 extra paychecks a year from being paid every 2 weeks instead of twice a month.Once I got the ball rolling, motivation kicked in and I couldnt wait to update my spreadsheet every month. I maintained a 10,000 emergency fund throughout the whole process, but dug into that fund to pay the final 2000 with the idea of replenishing it next month.It feels great to have that monkey off my back.BTW, I make low 100,000s and have 3 kids and a stay-at-home wife.___Edit: Lots of comments below about how easy it must to pay off that much debt with a 6-figure salary. A couple of points here: We live as frugally as possible - no cable, no land-line, shop at thrift stores and Aldi, we drive a 15 year old corolla and a 10 year old minivan, rarely eat out, take vacations, etc. Sure, I was able to knock down the debt quicker than most, but the same principles of PF still apply - dont live beyond your means, budget, prioritize debt, etc. Also, there are questions about whether I would have been better off hanging on to that debt and investing the money instead. Just looking at interest rates vs rates of return, the answer is obvious in hind-sight. However, I really wanted to be debt-free and was willing to sacrifice a bit of future return to make it happen. The added security, plus knowing that my wife and kids wouldnt be saddled with that debt if something were to happen to me, makes the decision to pay it off aggressively worth it in my mind. Now I plan to replenish my emergency fund and contribute heavily to retirement to help make up some of the difference. The amount I was putting to the student loans is getting rolled right into retirement and getting a bit more aggressive on the mortgage; well continue to live our frugal lifestyle. Edit 2: For anyone asking for a link to the blank spreadsheet, you can find it here: Fill in the starting balance at the top of the balance sheet tab and update the shaded columns every time you make a payment. It will calculate the remaining balance, total paid, and percent of debt remaining. Youll want to tweak it so that the graph only displays the cells with actual data in them.Edit 3: Just to clarify, I still made 401K contributions up to my employer match 6. So I was still investing the equivalent of 12 of my annual salary while aggressively paying down these student loans. I didnt walk away from any free money.Assistant: Congrats! I started off at the same exact amount in student loans. I only make roughly 2300 a month, and I put at least an extra 600-1000 towards my bills every month. Im down to 2300 left on one credit card, and 52000 in student loans, after 3 years, plus 2000 in my savings. I hope to be at 39000 at the end of my job contract, although with a small surgery coming soon, that might not be possible. Watching reddits like this keeps me motivated to not spend money. I stay home and make videos for youtube instead. Human: keep chipping away at it. Make a line graph to track your progress each month. It really helped keep me motivated.  <response>: I made a graph to track my savings... spending is so much harder when you know its going on a chart, and you know HARD work is going towards covering that plotted point - you dont want to have to cover the same ground twice. 