I’ve slowly been chipping away at my loans these last few years, hoping for that day to come when I’ll be debt free. My net worth is positive, thanks to some RRSPs and the down payment I put into my car, but having debt hanging over your head obviously kind of sucks. I have a little spreadsheet that sort of tracks where I’m at. In April of 2008 I owed around $25,500 in both student loans and car loans. At my peak, I had around $40,000 worth of student loans, a fairly hefty debt load by anyone’s standards. Back in January I finally paid my car off. The payments on that were $400 per month, ...