I just submitted my last student loan payment and am officially debt free! Just under three years ago I graduated law school with $50k in student loans and $14k in a 0% personal loan to my brother. My net worth was ($64k). As of 10 minutes ago, everything has been paid back in full! I was making calculated minimum payments on my student loans since I had refinanced them to a much lower variable rate. As rates began to grow I adjusted my plan and attacked the loans. In hindsight I probably would be wealthier had I continued making minimum payments but I'm not going to beat myself up over it. Glad to be 100% debt free.
Onward to growing the stash!