I didn’t give myself the option to spend the money on anything else. No matter where the extra money came from, it went to debt. Because it was extra, I didn’t want to absorb it into my budget. I also didn’t want to inflate my lifestyle. My expenses didn’t expect the money before I got it, so I pretended like it never happened. Similar to increasing a 401k contributions when you get a raise, you can’t become attached to money you never have. By directing every windfall to my student loans, I was able to pay them off faster and get out from under them.