I'm throwing myself a little party here -- digital drinks on me!

Yes, I know my loans weren't accruing interest on account of COVID-19, but long before that all started I'd been aggressively paying them down because I wanted them GONE. And now they ARE! (Or, they will be once the payment clears, which for some unknown reason takes my loan servicer like two full weeks).

The quarantine actually helped me accelerate payments. I rolled over what I was saving in gas money and not eating out into my loan payments. Also, as a teacher I only get paid during the school year, but I have the option to reduce my regular paychecks and roll the difference into a lump sum that gets paid out at the beginning of the summer. I choose this option so that my budgeting is consistent year-round (rather than me having to squirrel away my own nest egg for the summer from my other paychecks). The payoff amount on my loan would have been done around August had I kept with my regular schedule of payments, so I went ahead and treated myself to making the final payment in full, now, as I had the money for it upfront.

I cannot tell you how good it feels to finally be free of them. I paid off my undergrad loans in under 10 years and felt super proud of myself, only to immediately have to turn around and start the process all over again for grad school. Months after I finished my undergrad loan payments I was again accepting tens of thousands of dollars in debt so that I could get a master's degree to qualify myself for a job that I'd already been doing for years. It was not a great feeling, nor something I was very happy about, but you do what you have to do, right?

BUT NOW IT'S OVER. NO MORE STUDENT LOANS. I'VE WON THAT AMERICAN MILLENNIAL BOSS FIGHT.

It honestly feels like I just got a big raise, as, come August, once my timeline for paying the loans is done, all the money that I was putting towards them is now mine to do whatever I want with. I'm not saying this to gloat (and I know that I'm financially very privileged even in light of my debt), but simply because I'm reveling in the feeling of being out from under the suffocating thumb of a difficult financial pressure, and it feels wonderful.

EDIT: If anyone's wanting to join in my festivities remotely, participating is easy! All you need to do is pour yourself a tasty drink of your choosing, grab a delicious snack you love, and throw Carly Rae Jepsen's discography on shuffle.

Have any of you done these degrees? I'm switching disciplines for my MA, and I want to collect information on this alternative method should I fail that this summer. I'd have a more complete grasp of the field and proceed to a PhD equipped with better knowledge. The price to pay being some time, but I'll probably already have to do my MA---if I manage---in three years b/c the school might want me to take an extra preparatory year going through some undergrad classes.

So, any experiences, any comments, any links highly appreciated!

P.S.: EU information appreciated, that's been significantly harder to get at.

In Turkey, where I live, almost all universities restrict access to staff and students (only their own students if not a graduate student); the only exception I can find is the Koç University where paid membership is open to public. I've researched in the past and found that major universities around the world---i.e. Italy, France, UK, US; selection factor being the languages I can read---seem to allow the public to access in one way or another (article, in Turkish, with results). But I wonder how accurate my reading is with the reality, and thus I'm asking this question.

So, as a plain citizen w/o any current affiliation to any educational institutions, can you access university libraries where you live? Does it matter if you have certain diplomas or affiliations? How easy it is?