So, someone asked re: if all extra cash went towards loans. I don't have a 100% clear breakdown! but basically half of my take home pay covered my expenses. I put enough towards company profit sharing plan to meet 3% match. I do not contribute to an ira or roth at its point in time. That is a philosophical discussion for another day!
Some months I was super strict and actually whittled away a little more than my goal. Other months I just met my goal payment (not the minimum payment. I budgeted about twice the minimum payment for every month). I never skipped a payment once I got serious. Any time I had a 3 pay period month, the third paycheck went 100% towards the loan. Tax refunds went towards the loan. Any monetary gift went towards the loan. I got married during this period of time, and we spent about $700 on a private wedding (rental dress included!). All other "wedding money" went towards the loan. I am lucky to have a very supportive husband and parents through the pay off period!!
As for racking up that much in loans- I am a physician assistant, I had no undergraduate debt prior to getting my masters degree and became a PA. So this was all from the graduate program where they "strongly encourage" that you don't have an outside job. I also had a mortgage to pay. So I had to take out a loan to pay a loan-absurd! Many friends encouraged me to not worry about the amount of loans. "It is what it is" they kept saying. I went with that theory until I had a job and realized how much interest I would pay during the life of the loan. It pissed me off!!! I think you have to get mad at debt before you can get serious about it!!!
I have not made the most frugal decisions all the time...not the total picture of mustachianism here, but I am quite pleased with this accomplishment, so I had to share! Thanks for the congrats...