A couple of months ago, about eight years after graduating from law school, I used my tax refund to pay off the remainder of my law school loans. It felt amazing. I have a few student loans left from undergrad, and I’m on track to pay those in full by the end of this year. (I paid the law school loans first because their interest rate was higher.) Watching the balances shrink as I’ve thrown money at them has been exhilarating, and I’m excited to be able to focus more on saving and meeting other big financial goals going forward. I began attending college in 2002, and more than sixteen years later, I’m finally almost finished paying for it.