<prompt> Human: The amount of student loan debt I accumulated seemed insurmountable. It was a forgone conclusion that Id be paying them for years and years to come. But then, I took the advice of this subreddit and became determined to relieve myself of this burden as quickly as possible.I started the year with 100,000 of student loan debt. In accordance with this subreddits recommendations I took the following action.1. Emergency Fund Establish 6,0002. Company 401K match 83. Loans Loans Loans every available pennyIve applied 18,000 towards my loans and dropped the balance to 82,000. To do this it was necessary to make the following major changes to my lifestyle.1. Decrease Rent 1,000 -- 400 month2. Decrease Bills Got rid of cell phone and cable -- only pay for basic utilities and internet3. Decrease Miscellaneous Spending Meals prepared at home, no impulse buys -- allotted 50month for eating out, miscellaneous itemsIts incredibly rewarding to see these efforts manifest themselves in a tangible form. Each month I try to set a record for the amount of money applied to the loans.Ive shared this for one simply reason:It can be done! The benefit is real and its spectacular. One does not need to overthink the process. Follow the above steps and youll be on your way. You have to start though. Now, today, immediately.  <response>: Not to sound like a cynical bastard, but I will: Its really refreshing to see someone who takes the advice of the sub, puts it into action, and has made such a positive impact.A lot of times someone posts about being in a huge bind, discouraged, then gets solid advice and argues how each one of the advice points wont work.Good on you OP! Youll knock that debt out in no time. 