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You said it L2S, yeah that's it.

I know there are a set number of people who are like, hey, I gotta get rid of this debt. But it's not new if you've read all these posts (and I guess I wrote a lot of them so I know it's in there), that the debt is OK to keep going if you have it managed properly, and in fact you are better off carrying debt from a "soft" creditor like Direct Loans than a "hard" creditor like a mortgage company.

(This is because the student loan contains the various deferment/forbearance provisions, and even now a more favorable interest rate deduction if you qualify. If you lose your job, you can temporarily stop paying the student loan. If you temporarily stop paying your mortgage, you might be looking for another house, etc. etc.)

I think people should do with their own money what they want, but these are important facts to consider.
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