A writer who had $60,000 in student loans says it took him 5 years to make the mental shift he needed to pay them off before turning 30

Tim Devaney was a self-proclaimed spender, ate out twice a day, and considered movies, drinks, and dining out essential to life in his 20s. But he needed to pay back $60,000 in student loans, and it wasn't until five years in that he finally got serious.

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