That's right, I am totally debt-free (in terms of college and grad-school loans - still got the mortgage and the car payments). See, moving back home after college and living with your parents until the morning of your wedding definitely has its perks!
Therefore, I have to acknowledge my parents and thank them for those years that I lived at home. If it wasn't for their support, I wouldn't be as excited as I am right now for this accomplishment. By living at home, I was able to save the money that would have been used toward rent, utilities, furniture, etc. - and that really made the difference. I was able to make higher monthly installments, and as a result, finish the payments early.
The car pay-off isn't too far off, but the mortgage, well, that's definitely a different story!