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'I found managing to live in London and making my repayments impossible,' she says.
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"This is my repayment".
My past recklessness will chip away at his accomplishments for the next 21 years (the amount of time I have left on my repayment plan), compromising our ability to attain the future that we dream of.
What will my repayment strategy be later on when it comes time to repay what I owe?
The $93,000 my debt had started off at had ballooned to $120,000 and my repayment plan amounted to almost $1,400 a month on a salary that didn't materialize immediately.
"If I had any inkling that my loan repayment wasn't going to come through, I wouldn't have come.
Is my debt repayment journey completely over?
Plus, I would have to extend my loan repayment time from 10 years to upward of 25.
During times in my debt repayment, I would celebrate when I paid off debt to reach a certain level.
And after looking at my loan repayment schedule, I think this is the only debt that feels good.
I had worked at The Sun for 19 months cutting off my oxygen with everyone else – I had become complacent of the regular wage and I thought about my escalating mortgage repayments, credit card repayments, but mostly I thought about my two-year-old son and my wife who was expecting our second child.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com