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I'm probably the LAST person to be offering any kind of advice... but one thing we did to free up some more money to pay off our debt was get our student loan monthly payment lowered. It didn't change our interest rate, it wasn't a refinance, but for five years we have our payment lowered by $100 which we plan to snowball.

This may or may not be a bad idea since we'll be making up for it in five years, but we're HOPING to be in a better financial position by then! We can also still pay extra into it if we want to.

We also don't max out DH's 401K even though his employer matches - he hates it, I think it's a necessity. I think we should pay nothing until we're better off financially, DH thinks we're throwing money away. Our compromise is putting in $200/month.

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