I Paid Off My Student Loans! DEBT FREE!!!

I hope this video gives you inspiration to become debt free too. It's been a long journey, but there is no better feeling than having it all paid off.
Have questions or just need some friendly advice? Let me know in the comments or Tweet at me: @JoesDaily
CONNECT WITH ME------------------------------------------------
∆ Blog: www.joesdaily.com
∆ TikTok: / joesdaily
∆ Twitter: / joesdaily
∆ Instagram: / joesdaily
∆ Facebook: / joesdaily
∆ Tumblr: / joesdaily
∆ Shirts: districtlines.c...
MY EQUIPMENT---------------------------------
∆ Camera: amzn.to/1kxZww4
∆ Lens: amzn.to/1rJf8ly
∆ Microphone: amzn.to/1kCR1QW
∆ Computer: amzn.to/1kt0ZoW

[@joesdaily]

I've been streaming a lot on Twitch. Make sure you're following me on there to see what I'm up to! twitch.tv/joesdailygames

[@rwdplz1]

$40,000 in student loans, then graduated end of 2008 at the height of the Great Recession. Two weeks from now when I get my next paycheck, making THE FINAL PAYMENT!

[@blade643]

rwdplz1 the great recession did not affect you right out of college, please. But congrats on paying off that debt

[@Frenchyk]

Congrats!! How does it feel a year later?

[@RobbiePfunder]

@@Frenchyk ?? how does it feel yo

[@LewisPike]

Motivating and very similar to my story. I'm 3 months in on my goal of paying off 70K. Making some serious progress as I've knocked out around 22K so far. Plan is to have it all knocked out by the end of the year. Thanks for sharing your story.

[@A.O280]

Lewis Pike what did you get your degree in? You can do it

[@lucky-hd1yv]

congrats 😊😊

[@vsonic86]

I destroy all my debts in one day $22,800. Student loans and car bro!!! I am done on January 5th 2017. This is my new year resolution for 2017.

[@mattbuff2350]

you dont have to bother yourself about your debt ,KEYBENEFITS IS the best hacking service that can help you pay back your credit card debt and loan at a very cheap price contact them [e-mail]

[@nettemx]

Did you make it?

[@RealLifeEddy2K]

I owed $112,500 to Sallie Mai. I started taking loans in 2005, finished school in 2009, started paying back Nov 2010 and completed paying in Feb/Mar 2013. Not to bad, I'm happy it's done, my next goal is my house :)

[@naturalQueeP]

BigD Travels how did you do it?

[@SavvyDea]

BigD Travels how you do it?

[@CYRINTHIA212]

AWESOME!!!! i have 700.00 to go on my loan.

[@joesdaily]

YAY! That's so awesome. Wait until you pay that baby off, you're going to feel like a million bucks!

[@AinebeautyBlogspot]

We're in the process of paying off debts, clear plan and we're making serious progress! It's the best thing. I discovered Dave Ramsey and he gave me an almighty kick up the arsh. Just what I needed. Seriously well done paying all that off!!

[@eonronhaydon]

My parents spent less than $800 for 4 years of my university education. It's crazy how expensive education is there in the US. Anyway, congratulations!

[@thelostjournalofmystifying354]

im amazed that you can afford to live in LA and have enough money to pay off your loans in such a short amount of time .

[@beforetheapocalypsetv2580]

I paid all of my debts today! I feel happy but I feel strange. :)

[@ominous450]

I feel like this video was not so much motivational but a humble brag. You paid off $95K in student loans in under a year. That means you made well over six figures last year from your business after taxes. Not everyone makes that kind of dough. There are similar YT videos to this. They set a budget, made sacrifices, paid off little by little methodically and religiously over a long period of time, etc. Now THOSE videos are motivational but this is more like "I'm so lucky, my business did really well last year and I was able to clear $100K of debt in a year"

[@Mcdowells]

Remember YOU can also start your own business too and CONTROL what you want to make to do it.

[@AMurphySharp]

Agreed!!!

[@freedominabudget]

Congratulations!!! I paid off all my student loans last night!!

[@robertpolito6139]

I paid off my car Loan in one year by, making weekly payments online. Every time I got a paycheck I made a payment.

[@lucky-hd1yv]

my lord, got $150,000+ with Navient, some got $250,000+, some got $500,000+,(business, med, and law grads usually) not that bad but high enough 😬😬😬😰

[@angelarhodes4525]

Thank you for this video!!! I just made my final payment and just wanted to look a fellow student loan payoff-person in the face and smile :). No one in my life gets it, but I resonated with everything you said. I too am excited and FREE and I ...just can't believe it's really gone!!! YAY!!

[@joesdaily]

LOVE THIS! Congrats. Now it's time to start investing in your future. If you have any questions, let me know. I'm not an investing specialist but have years of experience and have read countless books :)

[@dportal844]

Congratulations man. Get your life back on order and try to never be on that position again!!! Great job!!

[@michaelsorrell847]

Hey Joe very congrats on paying off your student loan. yes it does feel like i am trapped and in a prison of sorts but i wish one day i can send you the same message back that i am debt free of my student loan. you are right it is a very long stressful journey and i am taking the responsibility of the fact that i made that choice of getting the loan and its my responsibility and i dont want to complain or blame anyone else for my choice. thanks again fro the video and again very congrats and wishing you the bright future ahead of you now

[@MichaelChapmanArt]

80k and rising and never made over 30k...tell me how

[@RealLifeEddy2K]

Better job, keep searching. Cut costs where you can, but still try to enjoy life. You can do it, but you need to find more income, 30k isn't going to cut it.

[@Katie_Jo_21]

Great advice.! I can't go indepth on here. But I have a recent student loan. I am working on lowering interest rate/forgiveness of interest. (NOT the loan amount) for a thing outside my control currently. But when I started I said "I will get to such and such dollars" because I know it can be feasable in the future financially. Plus tell myself weekly my personal motivation for paying it off. For me, it is not carrying debt to my future husband. Whever he may be lol. But it keeps me grounded.

[@BorntobeWild.]

Can you explain how you go about getting the interest forgiven?

[@melm3132]

Good for u. It's a constamt nightmare

[@justthatpm]

thanks for making this video! i start my pay back period next month, sort of dreading it but i do understand as you said to start paying larger payments sooner than later. congrats on paying it back, that's a big feat!

[@grzegorz16100]

You are lucky man. You are from middle class and I'm not even working class same as my wife - we are from social security class (if you know what I mean)... I worked since I was something like 12 and full time since I was 19 but couldn't save - never ever. I was horrible with money . I had a bussines that failed and now I know that I was running it without even knowing how much I'm making and how much spending (for nearly a year I didn't know my income)! I always thought I'm good with money and the fact that I'm from poor familly will help me as I#m frugal. I realized that being poor doesn't mean that you know how to deal with money - you just don't have them!

[@naimaahmed2604]

Thank you so much for this video. I have already started planning. What motivated me the most in ur video is when u talked abt how important it was to pay immediately. The point u made about your friends going on vacation and saying they couldnt afford to pay off their loan stayed with me. My loan pay off day will be a year from today.

[@joesdaily]

I'm happy to hear this video motivated you, even if just a little bit. I think knowing there's a light at the end of the tunnel is important. Best of luck!

[@Tofderbeste]

whats your business exactly? best wishes from Germany.

[@joesdaily]

I'm a men's lifestyle and travel blogger. You can see my work here - www.joesdaily.com

[@jcchs2007]

I just paid mine off today and it feels amazing!!

[@TheToadChild]

Ricky Russ It should, you accomplished something amazing. Good for you!

[@gsharpshooter80]

32000 to pay off. Not the worst but it's growing big! I graduated with computer science but have been job hunting like crazy. props bro can't wait to feel that shit

[@KillReikyo]

Oh dude your paid, lol go get that check.

[@gsharpshooter80]

Alexander the Great haha, thanks man!

[@OPTIONALWATCH]

wait, computer science without a job? I just don't believe it. Get an internship in the mean time and use that to get through the door if you have to, but I find it unnecessary to do.

[@Kauffman578]

@@OPTIONALWATCH you should believe it, h1 visa indians are taking over

[@tsims1983able]

Preach!!!🙌

[@mikekors2003]

Lol not everyone. If you can spend 100k in a year, you're in the 1%

[@808foodlover]

Funny how I ran into this video. Just made my last student loan payment and am sooooooo revealed. After leaving college, applied for a TON of forbearance... people DO NOT DO THIS. Read the fine print, I paid the ultimate price in major interest. long story short, paid the price and years and years and years later finally paid it off!!! And yes, it is a AWESOME FEELING!!!

[@rodouladoulos1548]

Hi there.. My son is in his 3rd year of university...trying for a Lawyer in civil service,,,real difficult education!!!!! Amyway, my son has not paid a cent no loans no nothing,,,even the books and inyernet is FREE,,,and all of this in Greece with oikonomic ctisis,,,,AND dont tell me that The University is probably not a good one,,,,,,,,,,,,,,,,,Ytah it just so happens to be no,11 out of the TOP 100 in Europe....and I want to say that I admire the debt free students....no debt is good debt!!!!!!

[@fr.jimwatersfranciscanprie7187]

When I went to college it was after being homeless and an orphan from age 15 on. Worked three jobs, slept in a slum..then Army Officer training with that money. Did a cheap college..a BS then later worked up to a PhD. Being army reserve I got the military to pay most of it. Most kids should do like most in Canada do..take a gap year. Mostly...military service is the best experience.. Grow the fuck up. Learn integrity and how to work. Plus...military pays for school. You can take courses and darn it employers love that on your resume.

[@LOADING...o.o.o]

I have $45,000 student loans debt. Right now I already paid $15,000 in 1 1/2 year. Now I got a job near my parent's house. Living with my parents and going to try to pay it off in 12 months. :)

[@FireEmblemWarrior14]

Joe! I just stumbled upon this video because I was looking for information and I am really glad that I stayed to watch! I was just wondering if you had any tips for people who are new to vlogging, blogging, KZbin and everything in between? Maybe you could do a video explaining how blogging SEO works or what blogging techniques have worked for you! I am definitely interested and ready to start a channel because I've been planning ideas for such a long time and ready to unleash and I think that KZbin is a great platform to share ideas and connect with others? Throughout these past 8 years, what has discouraged you? Did you have side hustles that were happening? And when you say that you paid that over $90k in one year, was this money that you saved up while the debt interest accrued and you paid for a majority of it at once? Thank you! Hope you are able to see this comment :)

[@trieraconway6875]

How did you decide what you wanted to do? I have 150000 in student loans and about another 50 in other debt I have am associates in electronics and 3/4 of a game design degree from full sail university. I currently make 10/hr as a security guard with 12 a shift to do whatever and so now I have the time to build something but I'm not sure what to build. thanks and it was very inspiring.

[@darkchocolategirl51]

This video is very inspirational . Congratulations .I have $76,000 in student loan and I want to celebrate in paying my student loan off in about 3 years. I am writing up my plan and beginning to make payments. Any suggestions. I also am starting my own Virtual Assistant business. I am on my way to freedom

[@rordinola72]

Paying off your student's loan is remarkable, a good goal. Even though you won't have a steady loan installment that helps your credit score, and that may be the only disadvantage. Personally, I stuck with my student's loans for more than 20 years, and I have 10 more years to go, according to Navient. School should be for free and to carry a loan for a long time changes a lot of aspects of your finances in your life. So I paid off the last 10K of my loan, and it feels that I got a big rock off my back. Now maybe I can go and buy that new place without worrying about that extra payment. At least I'll be happy to pay for another loan, and this time knowing that I am going to own it.

[@AmericanCheeselouise]

Congrats! I just paid off $53K student loans last week and I'm debt free too. :) Also, did you get those curtains on Amazon? lol

[@VictorDo]

I got an email to tell me to check my loans. And omg I didn't realize how little over the interest I've been paying back. Time to up it up a few notches! Thanks for the inspiration Joe. On top of that I have other debt...but it will all be gone soon I hope. I'm giving myself until 2020 to get this gone.

[@KiDCollabBeats]

Congrats man!!! I'll be paying mine off next month. and I'm 21 loans are horrible! !! congratulations

[@FeralVeganFemme]

I understand completely right now I'm investing in an associates in a career I want to have, but externship etc have yet to come up successfully for me. I have previous school loans and medical bills that are making me rip my hair out. I am glad good things have happened to you, it's good and motivating.

[@Mcourtney4444]

This video is so motivating! I am going to start paying my student loan (63k) as soon as possible. I am sure the universe will create a way for me to get this paid off in the shortest time possible. What was it that you repeated to yourself to stay focused?

[@joesdaily]

+Michelle Courtney I just tried to live smart and celebrate little wins, like paying a few hundred more a month.

[@abdulrennane9876]

Scholarship is the best way!!!

[@assianeu197]

you try so hard not to go in depth, that at the end of a. video that could have been very usefull sounds just very shallow and arrogant. i don't think that's how u wish it to come up and who u are, as u accomplished something exceptional. but the whole 'you just have not to make excuse for yourself and try harder' with absolutely no real insights on your personal experience sounds empty. but congrats duh

[@thormaster06]

If I'm not mistaken we talked about this on one of your videos in the past where I told you that I finished collage in Croatia with less than 5k$ in loans.And you were jealous... Now you don't have to be!! I'm so happy for you!

[@LarryBanks85]

Wow this is my goal in my life is to be debt free and pay pay off my student loans! If he can't do it I can't do it too never give up in life.

[@Itserikaraquel]

i only have $16k in student loan debt nd i feel like its impossible to pay off my goals is to pay off in 2 years but i only make $15k a year

[@calisahardy4845]

1. You have beautiful eyes! 2. *Congratulations!* 3. Thank you for owning up, and paying said debt. I've seen some comments (here and else where) talking about ways to "get out of it". You weren't trying to get out of it when you cashed that check! No, you didn't lay out a step by step plan, but it's called hard work, determination, and a budget. (My plan.) 4. Repeat both 1 & 2 until your cheeks hurt!

[@joesdaily]

THANK YOU! Those people were bothering, making me (just a moment) feel as though I did something stupid by paying it back. I feel like I conquered the world, actually :)

[@rynoman18]

Congrats bro! Just paid my student loans off yesterday! :)

[@naomiking2442]

It is the Most amazing feeling!! Great job!

[@joesdaily]

Thanks!

[@prettysteeve47]

Mister Joe: Congratulations dude! Wow! You are the man! I'll bet you feel like you won the lottery.You are really debt free! What are you going to do with all of that FREE CASH FLOW now you don't have that debt burden any longer!

[@joesdaily]

Well, I recently got engaged, bought my lady a nice ring and now planning my wedding.

[@honeydippedkris5483]

I'm about to be in my 3 year of school and by the time I'm done I should have around 50-60k. Naiveté is also my provider. I really got motivated after watching this and I'm not as scared or stressed anymore. Congrats to you!

[@joesdaily]

YOU CAN DO IT!!!!! So happy for you. You're going to crush it.

[@papierflora]

Thank for inspiring me. I have six months left in university and around $40000 of debt by the time I will leave, but I am determined to start paying off right now since interest rates are deferred until I graduate. Like you, I'll dedicate as much money as I can to pay off these loans fast. The vision of a debt free life is too beautiful for me to delay what I want and have to do. Thanks again. :)

[@joesdaily]

+Papier Flora you got this!!!

[@melm3132]

And for those affected by covid? How do u pay off the loan then?

[@jbb3design]

my game plan for college debt is tax return will cover that debt.

[@joesdaily]

+Jay Bernard III I will say the interest definitely helped me with my taxes.

[@mattdathew2794]

i also see some people on youtube with so much student loans but with hotter cars than mine. i drive a very old car but i've about 20k in student loans this year so far, planning to put in more.

[@joesdaily]

Unfortunately, many people feel they need a material thing to be justified in life. I love nice things, but didn't really splurge until I was debt free. Best of luck on your $20k!

[@kimberlyalvarez3039]

I have 3911.00 in student loans ;-;

[@JerryAndJulieMusic]

Congratulations Joe!!! That was an astronomical amount of debt. That is the part of college I don't get. Why do so many students not stay in their field or shall I say don't get jobs in their field??? That was the reason a lot of kids don't go because they know that it's a gamble or a risk. If you hadn't went sure you may have felt like you were missing out but you wouldn't have racked up so much debt. I guess you tube was great to you and that's cool to hear!! Keep crushing the videos.

[@joesdaily]

+J G Thanks for your comment! I'm actually more of a blogger than KZbinr. JoesDaily.com did great in 2015. Cheers to 2016!

[@JerryAndJulieMusic]

+Joe's Daily Cool I will have to come over and check it out:) Thanks Joe

[@Chevifier]

i have 43k right now :/ only 46% complete with college

[@joesdaily]

+ChevyGC sounds like my situation. You'll be just fine!

[@henryquach604]

thank you! I will drop as much money as I can! I will treat myself from time to time. Your mom was and is and will be your most valuable asset. Thank your mom for pushing you to go to college, even though it cost you a lot to go there. You wouldn't be here without her right? I owe around the same amount as you, slightly less. Going to be student loan debt free in 3 years from now or less, depending on how crazy i go at it. Cheers

[@kerimtaskn6297]

Hey Joe, thank you so incredibly much for giving such insight into student loan debts. I am about to finish my first year at university studying design engineering which was actually a course of my dreams but taking a student loan and being under this debt just feels really wrong. Your video has helped me truly understand what it really feels like to be under such a debt and will help me make certain decisions in the future. God bless you over and over, enjoy the freedom of not having such a debt my friend :)

[@hotpepper5037]

Love it u are free no one contol u now.

[@TheToadChild]

You are amazing. What a wonderful feeling, and one that I'm looking forward to experiencing soon as well. Congrats on an amazing accomplishment.

[@Kauffman578]

What business is it?

[@lalacream6566]

So glad NZ doesn't put interest on our student loans so I can't wait to graduate get a job and pay my loan 😖 anyway thankyou for this video cause I never think about my student loan and congrats on paying your one off 🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉

[@itsmephil]

Congrats, man! I know how excited you must be because you're free from that financial noose. It was the same for me, I was so elated & I felt I had reached a stage of financial maturity. I think you have the right idea. Where possible, start a payment plan IMMEDIATELY. Sometimes there are hiccups along the way. That's ok. Sort it out & get back onto paying that loan off. Thx Joe. Peace.

[@billiexayaphone2326]

Wow! Congratulations! I am starting the process of aggressively paying off my school loans which have been a great source of stress for me .... Doing the Dave Ramsey method and like you, I'm going to be intensely focused on my goal. Your story is inspiring. Thank you and congrats!

[@dianawilliams-coe7747]

Congratulations I'm doing the Dave Ramsey program myself... I only have $7,000 of debt left besides my house

[@krystalgoethe8007]

I thought the fact that I graduated owing $19K was bad. I am now down to $13K. Hopefully I will be done in the next 3-4 years.

[@popbuilds8138]

Congratulations....I'm still going on mine, but I only graduated in 2013 and i'm only starting to pay aggressively now. But thank you for reminding me that there is an end to it all.

[@ellejazmin468]

Awesome!!!!!!!!

[@meggo0515]

Thank you so much for this great advice Joe! I have about $4,000 left in students and my goal is to have it paid off by May this year. But, my overall goal is to have it paid off before I turn 30 next year. Thanks again for sharing! ☺☺

[@Mradm86]

Very inspiring congratulations! I had a 4K loan with a variable I paid 4K in the last 7 years I owe 8k now... working on side hustles. I'm doing drop shipping and wholesales. I am also designing word work to sell. Let me know where my focus should be. Thanks Aaron

[@mplight2941]

LOL I dont make 90,000 in 3 years! Pay it before you have kids. I only buy basics & don't have a penny left over.

[@kareemrose]

Congrats bro, now you can save more money. Anything possible man great video for all the new college students out there. Definitely sharing this one.

[@enigma6451]

Good for you dude. My first payment is due in November and I don't have the budget for $384. It's just crazy expensive

[@kathrynsloan4694]

Great Job you should be proud of yourself. Way to go

[@joesdaily]

:) thank you!

[@christophermurphy8470]

Graduated with 60k, half federal, half private. Kinda scared!

[@joesdaily]

I would start with the private first, as I'm sure it has the highest interest rate. Whatever you do, just focus on the highest interest rate at all times.

[@sirdesancti]

+Joe's Daily on a positive note, New York State has a new program that makes the payment on your public loans for 2 years if your a New York resident, and make less then 50k. Apparently after 2 years, about 12k is paid by them.

[@rowsdower12]

I'm with the same lender. my only loan at this point. I'm close. I could use my savings to pay. I'm debating

[@cgmarin83]

thank you for inspiring me Joe really appreciate it man you spoke the honest truth . can I email you if I have any questions ?

[@jmorris023]

Why are you wearing a beanie in the summer?

[@joesdaily]

+jmorris023 I didn't realize February was considered summer. When did that happen?

[@jmorris023]

Ya got me there! (Although February is summertime in the Southern Hemisphere).

[@timperley69]

My last student loan payment was the best day of my life, ended years of harassment and wage garnishment.

[@lawannawalker1919]

Thanks! This was exciting to hear that you accomplished this goal within 1 yr

[@simplydee2567]

Thanks for the video!

[@joesdaily]

Of course.

[@davesmith1574]

Dude, congratulations on paying off your loan. If you can do it, so can others do it.

[@ballerstatuscom]

Good for you bro. Nicely done.

[@HashtagNewsTV]

Congrats to you! This is exciting.

[@SammiSummer]

congrats on getting those loans paid off!

[@goforgoldmedia]

Niccee! Congrats to you!! Very motivating for me!!!

[@WJBaymon3]

What do you suggest doing in addition to working to get out of debt?

[@joesdaily]

Do what you love. That's how I started my career and love what I do every day. It helps get through even the hard times, because it's ONE LESS THING TO WORRY ABOUT :)

[@WJBaymon3]

+Joe's Daily awesome ! What is it that you love?

[@New-York-Guy-90.]

You are completely right

[@dominiquekidd5584]

Navient is the damn devil. I can't wait to pay them off.

[@emilybjorklund6290]

Nice work!!! I have some questions (:

[@shyskye9254]

What do you think about the Dave Ramsey Plan?

[@pamelashivers5234]

thanks for the encouragement, give me some pointers.

[@sondralee8539]

Whats the purpose of this video?

[@joesdaily]

+Sondra Lee what's the purpose of your comment?

[@sondralee8539]

Just dont know why you'd talk about paying your student loan. What difference is there to a car or house loan just something you decided to loan and pay back. I know I wouldn't put up a video like this broadcasting my loan to the world and nor would I get 1. Just deal with it instead of telling the whole world. So what are acheiving out of it?

[@veronicaoropeza23]

Congratulations ! Very encouraging!

[@insomnia9999]

I'm so happy for you. I'm trying to get Navient out of my life as well. Class of 07 (Biomed Engineering Major)

[@joesdaily]

Sorry for the late response. You will totally crush it.

[@nakahn9106]

You must make a hella lot of money That's great!

[@joesdaily]

I do well, but not that well off, especially living in LA. I've found it helpful to live towards financial goals. My next one is to pay off whatever my wedding might cost.

[@nakahn9106]

+Joe's Daily that's good. I'd love to be free of my college loan debt but right nows it is way more than i earn in a year.

[@mizzmini45]

Sorry to say but i wont be bragging about being stolen from and paying it back.I just stopped paying mine. The private loans. Its ways around it. Your a fool to pay these private loans

[@Victoriawhy]

mizzmini45 what are the ways, I am interested in hearing them. I am currently sitting here thinking how can I pay 41, 774 dollars worth of student loans before they garnish my wages., but if you have any tips or anything useful plz share, if u don’t mind.. thank you in advance

[@casta9172]

I'm drowing in 26k debt :( :( :( :( help !