A wise woman knows how to summon her courage and do what is right, rather than what is easy.
A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.
I generally encourage people to make good on debts when they have enough money to repay them. But once a delinquency has been reported to a collection agency, paying it off won't help your FICO score. The damage has already been done, and the blemish will remain on your credit report for seven years.
The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases.
Harvey S. Firestone