I have been debt-free as of October 2021. Truly, it is a weight off my shoulders. — When I graduated college in 2020, I was 21k in debt — 19k from Navient (now, my account is with Aidvantage) and 2k from Heartland ECSI. Thankfully, my loans were Direct Stafford loans and Perkins’ loans. My grace period for the former was to the end of December 2020, the…