47 0 0 0 13 investing student loan refund. Like many millennials, Jordan Arnold graduated from college five figures deep in student debt. Unlike most of his peers, he paid off all of his loans less than a year after graduation. This is his story, as told to MONEY reporter Kara Brandeisky.

But my parents started talking to me about this private Christian school, Indiana Wesleyan in Marion, Ind. I took a visit, and I really liked it. It’s only like 3,000 students on campus, so it’s a tight-knit community. And the first year I hadn’t applied for federal student aid, since I didn’t commit to the college until about 10 days before classes started. I got some scholarships and a grant from my church, though. 5,500 in subsidized loans from the government each year, so I worked to cover the rest so that I didn’t have to take out private loans.

I also graduated in three years, which helped. I knew I had to start paying my debt within six months. It’s stressful, when you don’t have any money. And I heard all these stories about college students who get out of school, they have all this debt, and they can’t find jobs.

Getting my debts paid off was important to me. I didn’t want to get the point where I’d have to be paying student loans for another 10 years. I don’t have any dependents that rely on my income. But I didn’t want to have these loans over my head when I’m trying to feed a family and put a roof over their heads.

It’s not just about me, it’s about my future family. I didn’t have to pay my student loans for another four months, but over the summer I decided to go ahead and start making payments before interest began accruing. I actually moved back in with my parents—which is hard when you have been out on your own. But I didn’t really have a reason to move out. And I was blessed that they actually preferred me to live there because I could help out around the farm they own, baling hay or feeding the horses. I would start work at the insurance agency at 8:30 a. Pizza Hut by 5, deliver pizzas until about 9:30, get home around 10, then shower, eat, and go to bed.