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Loans can go both ways. I personally love my student loans. They allowed me to live comfortably (instead of just sufficiently) while I was in college.
Then, a few months after I graduated, I managed to make enough money to have the ability to pay off the total amount of the loan immediately if I really wanted to. Instead, that money is currently sitting in a rainy day fund and some stocks.
For me, debt is a tool. As long as I'm not trapped by it, it's awesome.
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