person A: I'm doing a pretty good job balancing work and school right now. School is about to start up again_comma_ and I've managed to maintain my savings and pay off my student loans a little bit while still in school. I don't feel like a lot of other students can say that_comma_ and I'm happy
person B: I'm so proud of you! That's a lot to deal with all at once! 
person A: Yeah_comma_ but I'm glad I'm doing it this way_comma_ since it's kind of grounding me and teaching me the harder things I need to learn about not spending too much. I'm still drowning in student loan debt no matter how hard I try_comma_ though
person B: It's worth it! It'll teach you a lot that you'll use later in life 