Screenshot for clarity

My understanding was that after I graduated, I would have a six-month grace period, during which no loan payments would be due.

At some point during that six-month grace period, my university should have notified "the feds" or my loan servicer that I had graduated, so that they could appropriately adjust my loan status and start date of my repayments.

Well, we are seven, almost eight months post-graduation, and my loan repayments still are not due to begin until December 2025.

I'm still looking for a job, so if I can continue to put off repayment, that would be great.

Of course, if my loan status finally updates, and the servicer realizes I was supposed to start repayment in July 2024, but didn't, then that would not be great.

What do?

_{Literally this evening I intended to just go ahead and sign up for the SAVE plan, so I wouldn't have any payments until I got a job, even if my loan servicer woke up and realized their mistake. Unfortunately, republicans hate America, so that plan is looking dead in the water. I might go ahead and try to sign up anyways. Maybe I will continue to get lucky.}

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.