Continue to be thankful. I made some boneheaded choices in college which resulted in my throwing away a full ride, and I left school with like 80k in debt. Thankfully, I am much more fiscally responsible than I was academically responsible, and I managed to pay that off over the course of like 7 years (aided in no small part by the forbearance periods Biden forced through during COVID). Which is good, because more boneheaded choices were made which resulted in a significant change to my financial situation. If I were still making payments at this juncture, I would be in a position where I’d be moving back into mom’s basement just to make ends meet.

Not that there is anything inherently shameful in that (it’s fucking hard out here, and if that’s a resource that you have available, it should not be turned away simply because of pride), but it does cause me to wake every morning pleased I didn’t listen to any “financial gurus” out there who talk about shit like “good debt”.