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Immediately after graduating through the University of Pittsburgh in 2013 by having a bachelor’s level in English and communications, Mandy Velez relocated to new york. She had $75,000 worth of student loan debt.

She had three general public figuratively speaking totaling $30,500, with interest levels between 9% and 12%. Furthermore, she had two federal loans, one direct subsidized student loan plus one unsubsidized, totaling $45,091 at 6%.

Velez calculated that if she had been in order to make just the minimum payment per month on her behalf loans, she’d spend them down across the 12 months 2046, and she’d spend about $96,000 in interest alone.

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