[anonymouskimmer]

I finished my AS and BS as a non-trad at the ages of 29 and 35. I'm currently in my mid 40s. Debt from my AS was paid by my parents, but the $31k in student loan debt and $20k in credit card debt for my BS was paid by me[1]. Most of that in the past 5 years, meaning that I lost out on the stock market gains by prioritizing the debt pay off. To add insult to injury, my final payment was Feb of 2020, just in time to miss out on the forgiveness (I accelerated payments with the proceeds of a second job).

[1] - When you're hourly, and maintaining a household, it costs money to take time off from work to go to school.