<prompt> Human: I took out six federal loans and one private loan while in school. My private loan had a 9 floating interest rate on 5,000 Lol Sallie Mae. I tackled this loan first in the first 6 months of student debt pay off, using the entire paycheck I made from my on-campus job I think I made 10.50 an hour. I found a full time job January 2015 during my last semester of school. I worked 40 hours a week while taking 18 credits, and received paychecks in accordance to the 50,000 before taxes. I also put 10 of gross pay towards a 401k. My living expenses per month were 800. I had a roommate, limited groceries to 150, paid for my phone and Internet and did not have a car public transportation, which my company reimburses. I allocated 50 to other necessities hygiene products, cleaning products, the occasional meal out, etc however this money was rarely used. By this point in time I hadnt bought clothes in 3 years other than a couple of shirts and 1 pair of pants for work bought at HM. I also hadnt had a haircut in 3 years Im a woman, I can get mildly get away with this : , taken any trips that I paid for there was a study abroad, but it was all paid for with scholarships, or done anything else that would increase expenditure. For some this might be miserable, for me, I knew paying off my debt in less than 2 years would make it worth it. A couple of unpredictable situations came up as they usually do. I moved to an apartment where I live alone and away from public transportation, so I had to get a car 2003 Sonata, 2.5k on Craigslist. Even with these new expenses, I still kept my monthly expenses both fixed and flexible 1,500. The occasional treat did sprinkle its way in even I had to stay sane, but again, I always kept my eye on the prize of student loan pay off. I also took a weighted risk, I didnt save a ton of money for an emergency fund which as someone on their own with no family support isnt a very intelligent thing to do and I also did not invest other than my 401k. The emergency fund, I just happened to get lucky. Nothing occurred that I couldnt pay for by either lowering a payment or pulling it out of my checking account. As for investing, a year lost on interest is something I can easily make up now that my student loans are paid off. What I did was risky, to not have that emergency fund, lucky, to have a well paying job, and at times miserable, to live so below my means that sometimes I doubted my methodology. When I made that final loan payment, I couldnt have been happier that with hard work and self-discipline my debt was finally gone.If this post is a little sporadic, my apologies.I always liked reading these posts when I was in schoolfreaking out about repayment. Edit-- The point was to live frugally while in school and in loan repayment. My future finances have allotments for the things I enjoy along with building a strong emergency fund 12 months living expenses and investments. Assistant: Do you have a budget break down? Rent and health care are what normally get people in my experience. If you didnt need health care, and live in a low cost area where your share of rentutilities is only 300 or so, then you are doing really well. What are your plans now? Are you getting rid of the roommate, or keeping them? Human: I mentioned I moved, but Ill share.When my monthly cost was 800 Living with a roommate:Rent: 400 shared, utilities included, this apartment probably took 5 years off my lifeInternet: 35 sharedGroceries: 150 I usually averaged under, but some months when I needed staples it was overPhone: 45 not on a shared planHealth insurance: covered in my tuitionExtra: 50 Transport: Reimbursed by my company, or I rode my bike I now live on my own with a cat. Best. Roommate. Ever.  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.--- I mentioned I moved, but Ill share. When my monthly cost was 800 Living with a roommate: Rent: 400 shared, utilities included, this apartment probably took 5 years off my life Internet: 35 shared Groceries: 150 I usually averaged under, but some months when I needed staples it was over Phone: 45 not on a shared plan Health insurance: covered in my tuition Extra: 50 Transport: Reimbursed by my company, or I rode my bike I now live on my own with a cat. Best. Roommate. Ever. ---I am a bot. Contact pentium4borg with any feedback. 