<prompt> Human: Thank you to rpersonalfinance. Thanks to this sub I managed to pay off 50,000 in debt AND finally attained a 800 credit score.I managed to pay this off on a teachers salary, but was very lucky to be given 3,800 from my school district as tuition reimbursement. Heres how I did it.- I lived at home. It wasnt pretty and it wasnt glamorous. I helped my parents with a few bills here and there, but saved 600 a month as if it were rent 7200 a year x 2.5 18,000- I organized a spreadsheet with my loans from highest interest to lowest interest. I CHOSE NOT TO CONSOLIDATE MY LOANS BECAUSE YOU COULD LOSE SOME BENEFITS! i.e. Public service loan forgiveness- I milked the benefits that working in the public sector provided me. I received some tuition reimbursement from Perkins 2000.- I rarely went out drinking or eating and if I did I packed my own liquor and drank before. Yeah, cheap-o. Whatever.- I bought a new car with the bare bones minimum and paid low minimum payments. Built my credit during this time. Hyundai Elantra- super fuel efficient! - 40 of my paycheck yes 40! went straight into my savings so I could pay the damn loans off. That was 1200 a month 30,000 since I only got paid 1012 months of the year. I wasnt always faithful to this though and some of the money was spent on a boob job and travel. Whoops.- I worked side jobs bartending and tutoring. I also worked night school. If you have a masters consider becoming a professor at a local community college.- Shopping trips were limited. I went to second hand stores often and learned how to sew.- Packed my own lunch, couponed, and ate at the school cafeteria as often as possible.Words cannot begin to express how grateful I am for this sub for motivating me. For the longest I felt like I was drowning and would never be successful. Here I am at 24, debt free, and saving toward my retirement. I am living MY best life now and cannot be more thankful. If you are in the situation I was, please do not feel helpless. There is a light at the end of the tunnel. I promise!Edit: Sorry for the typos and shitty syntax. Im on a plane about to take off. Ciao!Edit edit: I guess it was more than 45k because of the side jobs. Also, it was 2 years and 9 months. Same difference?  <response>: Awesome work OP. Dont let anyone take away from your story by saying you lived with your parents while you plugged away at the debt. What you did took great discipline. 