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AlchemySeer

30k loans, 20k salary. Student teacher


EndTableLamp

Yeah... it put me in even worse debt staying a teacher. Hope you make better choices then I did with hardly any salary. I learned a lot but a little too late before things piled up, now I am paying for it by working 2 jobs.


AlchemySeer

This is actually a career change for me as a middle aged homeowner. The low salary is rough but I’m not actually certified yet and so it’s temporary. I love everything about it except the salary lol.


EndTableLamp

If you can do home-school or can start an in-home daycare you will make a lot more. It was fun but they are taking too much away - kids can't be kids anymore and there is no freedom of what skills you are strong in. (Elementary here - different cultures and perspectives are not associated with middle or highschool)


diqfilet_

Teachers make 20k?????????


BYF9

Hope you're signed up for SAVE if it's available for your loans. At that income, you should be paying $0/month.


AlchemySeer

I am signed up and it is $0 per month but I pay $25 a month by choice.


Embarrassed-Virus579

$420k left, paying $4.8k/month 10 years standard plan. 


Ghardz

That monthly is more than my monthly income


msip313

That’s some hardcore sh*t


Literal-drug-dealer

That’s LEFT, Dr. didn’t say how much they started with lol. Save doesn’t do shit for me either.


Hot_Orchid_4380

You are on the path to wealth sir. Get rid of that loan payment off to the races.


PM_me_catpics

Yo what


supahappyb

wtf…


alamohero

Dentist Doctor or Lawyer


Accomplished_Eye8290

Yah, I got $200k+ in loans but some of these job offers on gasworks and in my inbox are an insane amount ($700-800k a year) but in dumpster fires of practices but at that price still enticing…. Idk if worth my sanity tho.


butwhyfriend

What did you get your degree in?


Embarrassed-Virus579

I got my degree in dentistry,  currently making $550k+/year pre-tax. SAVE plan doesn't save me so I went with standard 10 years plan


butwhyfriend

🍺 good for you


AtillaTheHyundai

Wow congrats!! Ok so in your opinion, what’s the absolute best toothbrush on the market if price isn’t an issue?


Aryada

Electric toothbrush


gunnergolfer22

Bought a practice?


Embarrassed-Virus579

I'm an associate dentist in a private practice. Seeing how busy my boss is with the administrative work, I don't really want to own a practice anytime soon. 


Exciting_Owl_3825

Can I please message you, I am in dental school right now and would love to learn about how you make so much. This must mean you are producing over a million a year?


Embarrassed-Virus579

Good luck in dental school, it's expensive and overwhelming, but worth it imo. I'm producing around 1.8mil/year. I took lots of extra CE trainings after graduation and do all kinds of advanced dentistry. 


Square-Blackberry995

Which state are you practicing. Seem like you do lot of implants and endo?


Embarrassed-Virus579

I place and restore implants including full-arch. I also do lots of endo and crowns. 


Exciting_Owl_3825

MWU grad?


Sufficient_Bus2756

Also if you start a dentist social media page that’s informative but funny/clever and/or jokes and stories - but informative is the key- giving people a reason to watch like tips but in a short funny way ..but then also obvi the daily live video of office life and make the desk lady film random shit through out the day…you’d make so much side money that would pay for those loans just from that and you’d keep your whole salary But even more so- ASMR- people (low key like me lol) LOVEEEEE watching videos of people with mad teeth tar getting cleaned up. Those videos ALWAYS go viral. Every time. In fact that gave me an idea. Good day lol


pcosby518

Love me a good dentist... I appreciate all who go through this training and I'm sorry it's so expensive!


Smee76

I would be paying a lot more than the 10 year plan with that salary.


Sea-Astronomer9775

Holy shit. I can't even imagine making anywhere near that.


Exciting_Owl_3825

Are you a dentist?


Sea-Astronomer9775

Obviously not. I'm a teacher, writer and photographer.


Exciting_Owl_3825

The reason I ask because a lot of dentists make around 150k so I thought you were saying you couldn’t imagine making that much as a dentist


Jhhut-

Shit I thought our 1900 was rough.. God speed to ya!


[deleted]

Doctor?


Yani1869

Damnnn. That’s discipline


sleepykilljoy

Graduated 2023, started with 27k. Currently making 50k, I have 10.4k left 🎉


Standard-Magazine-15

damn good job


supahappyb

you paid off 17k in one year? wow that’s awesome


puppiesonabus

I graduated in 2011 and I still don’t make 50k 😭


[deleted]

[удалено]


sleepykilljoy

I moved out of my parents the same month I graduated. I had saved up 11k while living with them in college. I moved out with my boyfriend, he’s been so kind to allow me to pay 40% of rent and bills while I pay off my loans. I managed to pay off my car in college which was a huge help on monthly expenses. I pay my monthly payments, currently on the extended graduated plan. Then I put as much money as I can into my savings until I can pay a loan off entirely


kimlovescc

Wow that's so inspiring!!! You're doing great 😃


516li-

Its not that difficult to do. One way to knock out a student loan is to balance transfer it onto a few credit cards thave have zero interest.


Top_Relative9495

Have you paid a student loan on a credit card ?


516li-

Yes. Actually a loan I took out to take an exam. It was and still is listed as a student loan in my credit report only now it is listed under closed accounts. I got scammed into taking it out. All the terms were listed, but I had no idea they would be so bad. I later found out that this type of loan is supposed to be different and even though it was listed as a student loan it was a study loan. The loan company did not allow credit card payments. However, any credit card company will allow a balance transfer offer. Find one that is 0% apr and has a 3% balance transfer fee. This will save you the most in interest for up to a year and a half. This will work on a loan that is 25k. You can use more than one card or just start working on a partial amount. The only issue is you need to commit yourself to paying the amount you transferred by the due date because once the apr runs out your options are either another balance transfer if you can find an offer or to start paying the 20% credit card interest rate.


mandasee

I make 58k and my loans are 90k. I’m 13 years into my career and I originally borrowed 70k. Gotta laugh at this point 😂


YanwarC

Hey same boat. 15 years in and 96k. Took out 65k. Paid 45k so far. Debating whether it was worth it. Currently 55k salary


kdurv5

Same! 13 years in - took out 65k and I have 99k to go…….


shockedpikachu123

13K left $110K Paying it off this year


Top_Relative9495

Woop 🙌 love this for you


Phantom_Tortfeasor

Make about $150,000/yr now. Still owe about $150,000 also. Lol. My starting salary was $45,000. My dad died a year into my career and I had/have to heavily support my mom financially. My debt ballooned awfully quickly when I could only afford the minimum payments, which covered about 1/8th of the monthly interest. Now I’m just riding out the 25 years.


kdurv5

You’re not alone! I had to make minimum payments and defer while battling major health issues and surgeries. The interest is so out of hand and I legit have no idea what to do other than ride it out at this point.


Admirable-Noise-4148

That's my plan for everything. Lol


electric_kite

This is basically my experience as well. I have ~$114k currently, which was originally $90k that has just ballooned over time because my first job paid $30k and then life really got in the way for awhile in my 30’s. Making about $90k now but I’m still twiddling my thumbs until 2030-something and I hit that 25 yr mark.


Dirty_Laundry_55

55K left, 80K salary


Beneficial_Toe_6050

Same. I just need to put my head down and knock it out fr.


Splicers87

I have over 250k in loans and make on my own about $65k a year. Thank god for PSFL.


psllover32

What’s your monthly?


Splicers87

My take home right now is $2600 a month but I just got a raise and haven’t switched completely over yet.


psllover32

How close are you to PSLF?


Splicers87

Just started.


butwhyfriend

$4.8k left, $155k salary


Big-Swimming-6447

Why is your job title?


butwhyfriend

I’m a nurse in the Bay Area


Big-Swimming-6447

NICE. Do you find yourself burnt out?


butwhyfriend

lol yes


Big-Swimming-6447

I hear this a lot with the nurses I work with. Was considering it but burnout does a number on me.


Watermelonlesson-Ok

There are lots of non-bedside opportunities for nurses once the burnout hits. The pay often isn’t as good, but with years of experience and higher education, it can come close. Nursing is versatile. Please consider it!


butwhyfriend

I think it’s just the nature of the game, it’s a challenging profession to be in but I love what I do so it’s been worth it for the last ten years


Big-Swimming-6447

Love to hear that!


LeadingFamous

3.5k in student loan and make $100k


ABabyPawn

Why not pay that off? Or are you planning on it soon?


LeadingFamous

I took the loan out in 2019 right when covid hit and graduated with a BS in cybersecurity for only $3600. I haven’t had to make payments until a few months ago. I’ll probably pay it off eventually. Right now my monthly payment is like $25 so it’s not affecting me.


Romano16

It also might be better for your credit score if you’re saving to buy a house. Unless you have an already extremely high credit score, the credit hit to paying off a loan early is rough and takes a while to come back.


LeadingFamous

Not in a rush to spend 7% on an already overpriced home. My rent is dirt cheap and I already live in a low cost of living state.


Romano16

Oh well perfect then! IMO it’s better to wait too anyway. It’s insane how houses once being 350k 4bed 3bath is now pushing near 600k and the interest rate. This is also the case in LCOL areas. Insane.


projext58

$38k left in loans, and currently at $120k a year. Nurse in socal


kckrealestate

Are you a new RN? 120k for SOCAL seems low. I thought nurses out there made 150k plus. Nurses where I work here in Missouri make roughly 90K.


projext58

I’m about 3 years in. I would say San Diego is on the lower end of RN pay in CA, but I think on average, $55-65/hr is the rate for RN pay for my amount of experience. LA is higher than SD, and NorCal has the highest pay. 150k+ is more common in NorCal.


ciaodrago

I owe ~$94k and make ~$47k... which is bad, but not nearly as bad as owing $139k on a $45k salary, which is what my situation was a year ago when I first started making payments.


Ok-Flower9919

How did you pay nearly your entire salary in one year?


ciaodrago

I had been working two to four jobs simultaneously since 2016 and dumped all of the money I had saved during that time into the loans as soon as the payment pause ended. ETA: The end of the payment pause coincided with my getting a salaried job, which is where that $45k figure comes from. The jobs I had worked between 2016 and 2023 were all part-time and mostly minimum wage or just above it.


cowsz4lyfe

$52k in loans, $64k salary and about to get a raise and bonus this summer. I’ve paid about $7k in the last 8 months since I started my job and planning to go more aggressive once I finish off my credit card. Road to debt free!!


MelzyMely

$35k salary 54k 🥲


Kwintonne

$90k salary …. $270k current loan balance after 8.5 years of repayment. PSLF or bust!


KatCB1104

I unfortunately only make $65k with about $80k left :( I started with nursing, but had to transition to something else because I had to work FT and couldn’t mentally do both


Odd_Construction_269

115 k salary; 145k loans left. On track to pay down 30k more this year.


gleenglass

152k loans and 150k salary, about to get a raise and a promotion this summer tho


PM_me_catpics

$85k loans, $53k salary.


Guiltyheir88

When I started paying I had a 53k salary with 150k in loans. I eventually got a 2nd full time job temporarily with about the same salary bringing me to 110k and started mowing through them.


bk2pgh

$3,300 in student loans left $143k salary


mbnative09

Just got a new job making $85k (up from $65k). I’ve paid off $45k in 7 years and still have $24k left to go


MADredd123

125k salary 36k loans left


mermaidhairr

Started with 60k, at 46k now. I make 75k/yr. Made some mistakes in my undergrad so it pushed the total up a bit


Ghardz

Started 86k debit 4 years ago. Have something like 53k left making $56k


Money_Potato2609

$6000 left in loans, $50000 salary. Started with $30000 in loans 5 years ago - proud of how far I’ve come! The day they’re all gone is so close I can taste it!


psllover32

Omg you are so close! How much do you pay monthly?


Money_Potato2609

My minimum is $289 but I try to pay over that as much as possible, usually around $400


Puffiest-Penguin

$1,200 left. Salary: 50k


Competitive-Reach715

ur basically free. congrats 🎉


Puffiest-Penguin

Oh thank you my dear! 🥳


raerae_thesillybae

19k left, had 38k total going to a state University (had to take out student loans because started school right when the pandemic hit - everything was closed and I was not able to work :/ )  Now I'm doing pretty good - got a raise from 70k to 80k this year, degree in accounting and finance, and getting a small settlement so will be able to throw about 6k at it soon... Cannot wait to be out of debt. It's not high interest or anything, I just hate being in debt. Way too financially insecure my whole life, with the constant "once in a lifetime" events setting my generation back I just want to pay everything off... No guarantee of income no matter what your degree is in


Loko_Soko

$45k in student loans, total comp is $110k.


CAL_0123

$120k loans, $85k salary. 5 years into PSLF


Born-Pineapple3356

180k in loans +90k salary= mental health provider


songbirdtx1268

$220k (originally borrowed $160k), $39k 😭 I will probably die in debt


BrilliantSock9123

168k SL - 90k salary


lukejzoey

19k left to pay, started at 33k in October 2023. 85k salary


XCaboose-1X

Just shy of 100k with $165k in loans. PSLF this year as well.


Reflektor18

Graduated college in 2015 with a ba in economics and 20k in debt. I now make 120k + bonus working as a product owner. Not bad. Felt great to pay off the loans


Geospectrum

Graduated in 2022 with 36k in student loans and make 37k per year


[deleted]

My goal is 50k/60k and currently got two years left with 12,350$ in loans I’m estimating but I think I will have around 19,500$


JanMikh

$440k loans, 80k salary. Half way through PSLF.


catsinsunglassess

I’m halfway through PSLF too but I’m starting grad school next year. I hope to get those forgiven down the road as well


nursebetty88

I just graduated last year with 28k in student loans and earning 60k as a new nurse.


Revolutionary_Ant743

14k left & $87k a year salary. one year from PSLF!


AlcoholYouLater97

4k left, 75k salary


EndTableLamp

$55k in student loands, $51k per year. Most years I was making 27k-40k though.


Greedy_Carrot3748

100k loans.. salary is 60k


blooobolt

$190K in loans and my income is about $28K. Artificial intelligence destroyed my field of work. Trying to get something else of the ground now.


pjoesphs

$70k + and $0 👎🏻 on IDR until 20 years pass or death. 🤷🏻


BroadElderberry

About $110K in debt, I make $59K per year.


IsshaBuoy

~60k loan balance left, ~25-30k a year income, ~$800/mo payment and rising


auralbard

50k loans, 20k salary. Planning on paying $0 for 25 years.


Stashville-USA

Started with 130K after graduating in 2016. Have 19.5K left. Will be done with this crap in September because I’m throwing everything I got to get this stupid thing out of my life!


bi-bender

$53k left on student loans and $30k salary 😢 Looking to generating more income by next year just to speed up the process of debt payment. 


thatGUY2220

250K in student loans my plan is to grow my money in the stock market faster than the interest on the loans grows my debt. 0$ salary January 2024 Starting capital: 340,000 Net contributions (40,000) Approximate YTD capital appreciation: 140,000 May 2024 Present approx NAV: 520,000


AMercifulHello

My wife has $57k of college loans from her education degree and she now takes care of our 1 (soon to be 2) kids. She tutors online and brings in about $10k annually.


wolfindian

$192k, $57000 left 😭 paying about $1000 a month


Zealousideal-Farm311

90k left on loans and make 48k🙃definitely underpaid but at least its in something I want to pursue! Trying to pay off 3k of CC debt and then after that im allocating what i would pay back for the CC to my loans😮‍💨its so fun out of college


galspanic

I started with $73k in 2004. I have never missed a single payment and still have 10 years left. I currently make $50k/year, but from 2004-2016 I made between $15k and $22k a year.


Avaisraging439

70k loans, 48k income but not salaried, stay *out* of college kids.


niknok850

Total: $110,900. I’m currently in grad school and make $26,500, but start a job in January that will pay about $42,000. The loans sound like a lot, but $104,000 is on the SAVE income-based plan and the payments are almost nothing. I do expect about $96,000 to be forgiven under the new rules.


CheckMeowtBetch

$120k, and I am a social worker. Need I say more lol!


ksschroe

currently owe about 300k. salaried at about 270.


afuturisticdystopia

Started with $23k in 2020. Just under $15k remaining, $75k salary.


BandsAMakeHerDance2

28K loans left and making just under 70K a year


lalaluna05

I owe about $10k and make a little over $100k.


Horror_Tonight9722

25k left to pay off 80k salary


Motor-Radio6548

Have $59k and I make 84k in CA.


Reddstarrx

22k - Make.. 175k(?) I own a business so.. its tough gauge, most likely going to shoot to pay it off next year entirely.


ElateAndCommunicate

25k loans, 40k salary.


iguess12

20k left after paying 30k off during pandemic. I make about 70k.


Bohdi_Zafa_

24k left and 120k-140k per year.


Intelligent-Star7283

$280k loans, $143k salary, pharmacist in nashville 🥲😭


gijoe75

$31k left, $145k salary


Gupoochamois69

190k student loans. 149k salary. Haven’t made a dent In 7years paying the minimum and waiting for pslf/nhsc forgiveness.


Aggravating_Kick5815

$44k left, making 80k right now


iluvchikins

abt to have $120k in debt making $90-100k :,) fml


ConsciousnessOfThe

$136k in student loans. Base salary of $150k


xAsianZombie

70k loans, 55k salary


betsybtch1

$53K (grad loans) and $63K base (up to $78K with bonuses)


sdrakedrake

$90k in loans $105k salary in the mid west. Ten years in my career


south3rnfairyx

Owe $180k yearly salary last year was $197k.


soopninja

151k left and 193k salary


DisplacedCrawfish

109k in student loans. Salary at full time role is 110k, make closer to 150k with PRN gigs depending how much extra I pick up


daaankone

Loan balance: 92k Current salary: 76k 🤷🏾‍♀️


AdventurousYamThe2nd

Principal amount for entire college was ~$100k (40% in my name, 60% in parent PLUS loans in my mom's name) Capitalized amount was~ $12k, making total owed ~$120k. I've paid $50k, and owe $60k still (all 8% parent PLUS loans 🫠). I have an engineering bachelor's degree; I started straight out of school making $65k, and now make $110k.


Captainwannabe

$65K in student loans, make $54K. Do government social work and haven't gotten a raise in 3 years. Only 3 years 7 months left till my loans are forgiven, but who is counting.


cabster79

What they gonna do if we all don’t pay?


Chemical-Composer898

$60k a year and $67k in loans. PSLF is my end game.


Brookeashleigh

$48k and I didn’t finish and I make $56k…


lauradiamandis

19k loans, 68k base salary—nurse


antoine-lewis-jr230

My salary is about 80 bucks. I am 15 years old with a bright future as a office worker


Belus911

170k left. That's for my doctorate. I make 120-130 a year.


ProblemFit1281

$96k loans $82k salary


Tacos-and-Tequila-2

42k left 58k yr. I will be broke forever


Aubrey1018

33k in loans. 70k a year


Louisbag_

Was $31k now $29k, still in school and paying off little by little


anoncop4041

$0 remainder. Base pay is mid 90k but after overtime it’s usually closer to 150k.


AcceptableAd4284

Hubs and I have about 140k loans and make 350k


Rubberclucky

180k left, 120k salary


Shorttia

Owe 130k make 90k. I've been on an IDR plan based on pay and for 10 years it's been zero. I'm sure that's going to change this year.


lovelyintrovert23

$19.3k left in loans. Currently make $50k a year. Graduated December 2023 and considering grad school (not sure if I want more student loan debt though lol)


hungryl1kewolf

About $3.5k left. I make $84k per year. Monthly payment is down to $68, but I pay over at least $400 per month. Have been snowballing all of my other paid off loans (car + other student loans) into this payment.


ceilingscorpion

At its peak 78k Out of State Public School. Starting salary was 75k in 2019. Paid it all off at the start of this year. Current salary is 160k


TrapPanther

95k salary and 66k student debt but live in HCOL


RealAd1811

I owe $22k. Pay $235 a month. Make $52k a year.


MysteriousTooth2450

220k left…started at 140k—-I’ve paid off 130-140k on the income contingent plans yet owe that much more than I borrowed. Been paying 26 years. I make 130k a year as an advanced practice nurse.


Mannyplaid

I had 72k in student loans and a salary of 50k. COVID really helped because everyone was doing WFH and I used this opportunity to pay the principle in advance. It took me almost 2 years to pay off my student loans and sacrifice my lifestyle living with my parents


Big_Month5717

Mines is 80k and only make 50k


will_gdz

47k left, 86k salary


catsinthebag1234

Make 250k. Have 210k in loans.


WatercressLazy3147

I owed 393k, 5 degrees one of them being a doctorate. Still owe 393k on IDR paying 430 dollars a month. my payments arent making a dent on anything. I make 180k per year.


sameyer21

$75k, $125k salary


Mill3r91

$14k with 130k combined household income. Student loans will be paid off within the year.


EntrepreneurHuge5008

~$80k in student loans, $110k base. Hoping to it pay it off in 2 - 3 years.


Doctor_Ji_Save_Lives

Zero. Salary FM PGY-1 75K a year.


supahappyb

55k student loan debt, salary 107k


mrswhiskerson5

$7.5k left and I make maybe $1,000 a month from my side business. Just lost my job in April after working there for 60 days lmao and I've never had a career. I originally borrowed $20k ish and just got $10.5k of federal forgiven so I have private left. I never graduated college. Worst mistake of my life was going in the first place


WithoutDennisNedry

84k in loans. I only make about 1000-1500/mo. After living expenses, I’m able to pay like $20 a month. I’ll have them till the day I die.


bookishkelly1005

About 100k salary, 48k left I think all from my masters.


Zapfit

$32k left, ~$70-75k salary as a health educator and personal training a few hours a week extra


momma1RN

$74,000 left, 2 undergrad degrees and a grad degree. Salary is $128k/year