January check in. For some reason I remember getting a lot more back from my tax return last year than I actually did, and this year's return is smaller still. On the plus side, this is the first year I haven't been able to take the full $2,500 student loan interest deduction. I still have a shot at this, but it's going to require tighter budgeting that I anticipated. Also considering balance transferring that BoA loan to my new Discover card to use the 0% APR, but that would involve a 3% fee. Discover believes it would save me around $85 if I use the full 14 month 0% period. I got the card specifically for the free monthly FICO score, rather than explicitly for a balance transfer. I'm not super keen on getting the one 0% APR/0% balance transfer card I found, as it doesn't do anything neat for me after the 0% introduction. But that's me being irrational and apparently my credit score can take a small hit for a cancellation down the road.
Loans: $20,724 -> $18,750
BoA: $2,015 [6.419%] -> $2,015
Nelnet:
$3,549 [6.0%] -> $3,514
$4,272 [6.8%] -> $3,291
$785 [5.6%] -> $777
$4,320 [5.6%] -> $4,277
$827 [6.8%] -> $0 (paid off!)
$994 [4.5%] -> $984
$1,541 [2.35%] -> $1,514
$1,322 [2.35%] -> $1,299
$1,099 [2.35%] -> $1,079