<prompt> Human: So Im 26 and working full time with about 40k in student loans. For the first year out of college I was gung-ho about them and paying off chunk by chunk. But now Im left with the big ones at about 13k a piece and struggling finding the motivation to pay them off. So how do you all keep motivated on them instead of just making minimums?  <response>: My little game is to try and make the next months bill land on a round number. So if I owe 74,074 and I do Im going to try and figure out the exact amount of interest, add it, and then try to make it land on, say 73,000 exactly.I was an only child for a long time, so Im pretty easily amused. 