[debtfreeme]

great that you have no credit card debt! We are all very proud of you for not having any! i agree with the 401k idea. fund till they no longer match, get as much as you can early.

If you have student loans that can go into deferment if you are back in school take a look at your local community college and see if there are 6 units worth of classes you can take to put your loans in deferment. Make them fun classes you want to enjoy or wanted to study but didn't have the time. You can still make payments (indeed i would recommend it) but you will not be paying interest on those loans. If you have more than one lender look into conslidating them (read all the fine print) to lock in an interest rate that is relativley low. I know that school rates have been rising lately. Lock it in early.

I have used this stragety to study foreign language, literature and other classes while not paying a dime in interest and still making payments to my loans. Having fun and keeping busy too. and Foreign language classes usually use the books for several semesters at a time. Oh i wish i was starting out again with out the mistakes i have made in the past! Good for you!