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DH and I are still working on our student loans - $5k for me and $13k for him. We had his down to $5k, but the he lost his job 2.5 years ago and decided to go back to school. The extra $8k in debt will pay off again and again in his new field with better pay, benefits, and work schedule. We have only been managing to chip away $2k/yr., but that should go up this year as he now has steady employment.
I was taught early how to use credit cards wisely (thank you Mom and Dad! I didn't realize how rare this was!), but DH wasn't. He got into a bit of trouble in college - never more than $1000, but that seemed like a huge amount at the time. Luckily, he learned quick and now has a credit score in the high 700's. We pay off everything we charge, unless there is a 0% interest rate, in which case we let if ride for a bit
I was taught early how to use credit cards wisely (thank you Mom and Dad! I didn't realize how rare this was!), but DH wasn't. He got into a bit of trouble in college - never more than $1000, but that seemed like a huge amount at the time. Luckily, he learned quick and now has a credit score in the high 700's. We pay off everything we charge, unless there is a 0% interest rate, in which case we let if ride for a bit
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