<prompt> Human: Eighteen months ago, I left law school with 108k of debt to my name. After fifteen months of work, aggressive debt repayment and frugal practices I learned from growing up poor and frequenting this subreddit, I was able to reach 0 net worth.I hope that whatever I have to say is somewhat useful.These are the steps I used in repaying my debt -1. Maintain your old standard of living its easy to upgrade, nearly impossible to downgrade2. Draw up a budget stick to it3. Avoid consumerism reflect before you impulse shop4. Youre a product of your environment keep frugal friends5. Live in a shitty neighborhood but dat rent payment doe6. Negotiate your student aid package dont accept your schools first offer7. Change your student loan plan to extended repay your loans using the avalanche method8. Maximize rewards on your credit card pay your statement balance off every month9. Pick an airline collect the points10. Contribute to your 401k up to employer match if youre in a high enough tax bracket, contribute the max11. Take advantage of your work perks use the office milk for cereal12. Cook groceries are far cheaper than eating out13. Youre not alone in this accept the help youre givenFor a more substantive post expounding on these points, here is a piece I wrote on my experience recently.  <response>: Congratulations. This is a great accomplishment and now you can look forward to actually building a positive net worth, hopefully for the rest of your life. 