so not having payments will lower your stress that has been proven time and time again when you don't owe anyone anything you have a lot of options and freedom on what to do with your income and your life so if you do have debt I recommend paying it off using the debt snowball method where you list out all of your debts smallest to largest regardless of the interest rate pay minimum payments on everything and attack that smallest debt first and this is going to cause a lot of momentum because you're going to get those quick wins which is huge
