Hey, I just had a thought. An obvious thought, and one which no doubt everyone has already had, long before me. If I were smart, I would just shut up and pretend that of course I've had this thought, long, long ago. Gotta maintain my reputation as One Who Knows Everything! But anyway, it is this: Since I have been paying my loan off at $500 a month (and will be for the next four years or so) I could have been saving that much money, even out of my little paycheck. Out of my little paycheck, I could have already saved $4,000! That is a sobering thought, and also one of great promise. So when I am fifty, or thereabouts, I will be saving like mad, won't I?