I decided to just go ahead and pay off my loan balance in full by taking some money out of my savings account. I went below my baseline to do this but after a lot of thought, I decided that this was the best way to save interest in the long run.
This is what I did:
On 2/29, I put back $124.08 from that paycheck which is my raise that I pretended that I did not get for the past 2 years.
On 3/14, I picked up a check from my local consignment shop from dropping off clothes that I no longer loved. That check was $41.41
On 3/14, I put back $224.17 which is a combination of an additional shift that I picked up, plus my raise that I pretended that I did not get for the last 2 years.
I applied this amount to loan 1-07 which had a balance of $1185.01 and after this payment, my balance was $795.62
After this is when I gave this a lot of thought. My remaining loans were these:
I was thinking that I could just continue to do what I have been doing and just pay these loans off in full in August 2016, but decided that I really didn't want to pay the extra interest when I had the money to just pay these off in full, so that is what I did.
It has really motivated me to keep a blog of my progress and still plan to keep this blog to write about other goals and other frugal things that I do along with writing about how minimalism played a huge part in paying these off.