Anti-climatically, the forgiveness for Lawnchair's student loan debt came through this morning. He applied as soon as Biden's looser rules were signed, but there was about a year and a half where the records were missing, but the last round of proof worked. So, with the mortgage paid off this summer, we are both debt free. Which is not bad for early forties. Helps that we're DINK, and both work in STEM.