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Student loans. Evil, yet neccessary. With my next payment, mine will be down to under 13K. Yay? I mean, I paid off my car loan of about that much in 30 months (18 months early) thanks to snowballing payments. But given my current economic status, I don't think it's going to happen so quickly. At least the interest rate is pretty low and so is the payment. It's just a depressing number to look at.