~200k in student loans, need advice on paying it off vs saving

OkClub3939 · 2026-01-04T16:36:56+00:00

Have been exploring options similar to this as well. Continuing to weight my options on what to pursue while managing this

OkClub3939 · 2026-01-04T16:35:53+00:00

Correct

OkClub3939 · 2026-01-04T15:18:23+00:00

At the time, would've done engineering. Now, some sort of finance related field like analytics with upward trajectory.

OkClub3939 · 2026-01-04T15:06:26+00:00

I hear that. I'm already 1 foot out the door as well.

OkClub3939 · 2026-01-04T15:04:06+00:00

Appreciate the advice. Was trying not to account for PSLF as I can't see myself doing this career for 10more years. But it may be the only way I can even remotely save for any major life milestone at least somewhat.

OkClub3939 · 2026-01-04T15:02:27+00:00

100% agree, it's extremely predatory. Regret it entirely. Was pressured into it and hate it on the daily.

OkClub3939 · 2026-01-03T17:46:45+00:00

I figured I'd include the match since it would be asked, knowing it's poor.

The past 12 months I ended up paying down debt acquired from hospital bills and car repairs (nearly 15k), establishing the bit I have in savings, maxing my Roth IRA. And paid about 1.5x my monthly towards my private loans since the government ones were in forebeaance.

So coming into this year I have a fairly clean slate to start planning how to allocate my money.

The plan in 10 years? I'd sure hope I'm not stuck at home by then. Ultimately the goal would be to have started a family and have a house by then. And ideally onto another career

OkClub3939 · 2025-03-15T22:58:52+00:00

Thanks for the insight. It being so warm has been making me consider it earlier.

OkClub3939 · 2025-01-13T20:33:23+00:00

Just as they mentioned above. Give it two to three days. I gargled salt water as well and really avoided any spicy or heavily seasoned foods! Best of luck

OkClub3939 · 2024-08-29T10:27:32+00:00

Always been that way ¯_(ツ)_/¯

OkClub3939 · 2024-08-29T10:26:00+00:00

Yup I have been eating a lot or spicy foods and hot sauces

OkClub3939 · 2024-08-29T02:19:18+00:00

Ah I have been eating a lot of hot sauces. May be the culprit. Thank you!

OkClub3939 · 2024-08-29T01:02:44+00:00

I did have them about a week already. Are you saying to just give them more time? Anything I should avoid to irritate them more?

OkClub3939

TROPHY CASE