The math in the viral Tik Tok doesn't add up at all.<p>She claims to have paid $120,000 on an $80,000 loan with 7% interest over 10 years, with a remaining balance of $76,000.<p>Worst case: If she had missed every single payment for 10 straight years with 7% compound interest and then paid that $120K lump sum, her loan balance would be $37K.<p>If she spread those $120K payments out over 10 years, she would have paid the loan off already.<p>There is no scenario in which she pays $120K and still has a balance of $76K, unless her interest rate was much, much higher than quoted. Any student loan with a rate of 7% or higher should be refinanced to a lower rate anyway.<p>It boggles the mind that people are writing so much about this without bothering to fact check it with basic math.