@ucbalumnus, don’t worry. My D is a fitness instructor now part time and has talked to her friend about other ways to work out. And D’s gym offers a free session every Saturday so she offers that also.
My point in my post is that by not having all that debt, my D can live a different way of life than her friend. Every year we have multiple posts from kids who are wondering if they should go $100,000+ in debt.
D’s friend will pay off her debt, but my D without it is far ahead in her future. In these days without pensions, saving for retirement is more important than it’s ever been.
I was out to dinner with D and friends. School debt is something they talk about. And having options. It’s an important topic for my D’s twenty something friends. Many of D’s friends still live at home or if they’ve moved out its with roommates. Not terrible but did many of our generation live with our parents or roommates in our mid twenties?