Well by the end of the year I plan to have my tuition paid off in full. It could have been paid off years ago. Instead I took in my sister kids raised them and kept them out of foster care. Which some have criticized me for doing . I could have been selfish and paid my tuition a long time ago and then there's no telling where my niece and nephews would be. And for that reason the family is more important then having the best credit. Which will be well soon and we all will benefit from this process. Good luck to everyone, I hope you all the best and greed isn't everything.