22 Month Progress Update

Original Debt (December 14, 2012): $102,645

Current Debt (22 months later): $90,753

My debt has decreased by $1,203 since last month.  An overall reduction of $11,892 in 22 months.  I’m now at 11.58% of my debt payoff goal.

DEBT BREAKDOWN

Federal Student Loans $59,225 $59,473 (up $248 since last month, an overall $3,573 increase over 22 months)

Private Student Loans $32,731 $31,280 (down $1,451 since last month, an overall decrease of $9,341 in 22 months)

  • StudentLoan#1: $3,061  $3,059 (down $2 since last month, an overall decrease of $4,101 in the past 22 months)
  • StudentLoan#2: $10,549 $10,553 (up $4 since last month, an overall decrease of $637 in 22 months)
  • StudentLoan#3: $17,149 $17,156 (up $7 since last month, an overall decrease of $1,084 in 22 months)
  • StudentLoan#4: $1,973 $513 (down $1,460 since last month, an overall decrease of $3,508 in 22 months)

StudentLoan#4 will likely be paid off next month AND I’m hoping to drop out of the 90k range!

My student loans have been switched over to Navient, Sallie Mae’s alter-ego.  It’s about time to reapply for Income Based Repayment but was waiting for the Navient switch-over.

The past two months or so have been rough.  I sleep horribly, and not much.  It’s definitely taking a toll.  I took a week off from work to try to figure out the whole non-sleep thing.  I thought maybe I needed to get out and do things, get some sun, so I explored my area for the first time since moving here 3 years ago.  It didn’t really help.  If two weeks of eating healthy and exercise don’t fix this for me, I need to see a specialist.

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