My cousin threw $425 at his student loan this month, thinking he’d finally make a dent.


The balance barely moved.
Over $330 vanished into interest.
Less than $95 actually reduced what he borrowed.
And the craziest part?
His required monthly payment is still $0.
When a loan can keep generating interest while the minimum due is nothing, it’s easy to see why so many people stay trapped in debt for years even when they’re making payments.
That’s how the balance keeps winning.
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