My intent is to no longer have any debt whatsoever. Ultimately I plan to pay off all of my student loans by the end of next year. This is a goal of mine that I want to accomplish. As for me, this takes a high level of discipline on my end for me to not spend any money on frivolous items . It takes a high level of dedication in order to do this. Living in this world is not an easy task when you are younger because in our younger years we are very naive and we can easily be manipulated and lead astray. There are a lot of ways for a person to accumulate financial debt over time. Once our financial debt reaches a certain unbearable point, many of us human beings simply give up and choose to bury our heads in the sand thinking that we will never be able to pay back all of that money to lenders no matter who and where they shall be. You can incur debt by getting a loan and struggling to pay back that loan and then interest rates can compound things even worse. Or like in my situation where I went to college years ago and then after I graduated real-world things happened that prevented me from being able to exclusively focus on my loan obligation. Now many years later, I'm still trying to pay off that debt even though I also had to fight off interest being tacked on along the way. In general there are a lot of ways for a person to find themselves in some sort of debt. Credit card debt, student loan debt, hospital bills affecting ones credit you name it, but my goal is to be completely and totally debt-free by sometime next year. We as a people have to get serious about paying back our debt. Since the pandemic, the government has periodically given American citizen stimulus checks and I for one has been using those checks to pay back any debt that I have but in my case the journey is a long one, it is up to me to work hard and make enough money to where I can routinely pay off my loan. In the long run I do plan to own my own house so that when I reach my Elder years I will be able to live comfortably and not have to worry about owing the government anything .
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