Great piece. My son is in good financial shape today because I invited him to move home some years ago. He put everything he would have paid in rent etc toward his student loan and car loan. Then he built up an emergency fund and then saved up enough to buy nice furniture. When he moved out again, his circumstances were so different. When you put everything you would have paid for rent, utilities, etc. toward your loans, you can make triple or quadruple payments ( or more) and save a ton of interest. I love this subject and write about it all the time!