How to Work Hard, Live Frugally, and Still Have $71,000 in Student Debt

Critics like to paint a picture of debtors as overeducated elites demanding a handout while idly snacking on $15 avocado toasts. But I’ve worked hard and lived modestly, and my debt is still haunting me — even after the White House’s partial cancellation.

Around 6 million Americans owe more than $50,000 in student debt. (Andre Hunter / Unsplash)


“I don’t know if I can marry you — not without a prenup.”

That’s what my ex-girlfriend told me after I proposed to her five years ago. The reason? She didn’t want to touch my $80,000 in outstanding student loans with a ten-foot pole. My massive debt had hung over my life like the sword of Damocles, and this was the moment it pierced my heart.

Am I being melodramatic? Perhaps, but the cold truth is that my college debt has played an outsize role in the precarious nature of my adult life.

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