--- title: "Meaning & Key Takeaway of: Pay off your student loan. Even if you…" description: "\"Pay off your student loan. Even if you don't have a job...Because when you finally get a job you're going to be one of us.\" — Bill Cosby" image: "https://sms4smile.com/quotes/i/5cd/bill-cosby-720_funny-graduation_pay-off-your-student-loan-even-if-you-do_17701.jpg" --- # Pay off your student loan. Even if you don't have a… ![“Pay off your student loan. Even if you don't have a job...Because when you finally get a job you're going to be one of us.” quote by Bill Cosby](https://sms4smile.com/quotes/i/5cd/bill-cosby-720_funny-graduation_pay-off-your-student-loan-even-if-you-do_17701.jpg) [Download](https://sms4smile.com/quotes/i/5cd/bill-cosby-720_funny-graduation_pay-off-your-student-loan-even-if-you-do_17701.jpg) [Open image](https://sms4smile.com/quotes/i/5cd/bill-cosby-720_funny-graduation_pay-off-your-student-loan-even-if-you-do_17701.jpg) > “Pay off your student loan. Even if you don't have a job...Because when you finally get a job you're going to be one of us.” [Bill Cosby](https://sms4smile.com/quotes/author/bill-cosby/) ## About This Quote This interpretation was drafted with AI assistance. It is one reading of the quote, not the author's own explanation. Encourages early loan repayment to avoid future financial burden, implying that employment will eventually be attainable and shared responsibility will arise. **In simple terms:** Early debt repayment eases future financial strain. Key Takeaway Pay loans early to reduce later stress. Themes financial responsibility future planning employment social solidarity Mood pragmatic motivational Type advice motivational When to use this quote - recent graduates with loans - individuals facing unemployment - people planning long‑term finances Key Concepts debt management career trajectory Practical Applications - personal budgeting advice - financial counseling Questions to Reflect On - How does early repayment affect long‑term financial health? - What alternatives exist when income is uncertain? A Different Perspective If you lack income, paying loans may worsen hardship; prioritize essential needs first. ★ ★ ★ ★ ★ No ratings yet [Funny graduation](https://sms4smile.com/quotes/about/funny-graduation/) [Jobs](https://sms4smile.com/quotes/about/jobs/) [Student loan](https://sms4smile.com/quotes/about/student-loan/) [Students](https://sms4smile.com/quotes/about/students/) ## Related quotes > [My parents are not of this world. 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You can…](https://sms4smile.com/quotes/clint-eastwood/and-i-think-it-s-that-time-and-i-think-if-you-just-step-aside-and-mr/) [Clint Eastwood](https://sms4smile.com/quotes/author/clint-eastwood/) > [People internalize, from the jail to student loan debt, to credit card debt, to unemployment to the whole collective. It manifests itself in many…](https://sms4smile.com/quotes/jesse-jackson/people-internalize-from-the-jail-to-student-loan-debt-to-credit-card/) [Jesse Jackson](https://sms4smile.com/quotes/author/jesse-jackson/) > [Normally, if someone goes bankrupt, you wipe out the debt and get a fresh start. But that's not permitted with student loans. So the…](https://sms4smile.com/quotes/michael-hudson/normally-if-someone-goes-bankrupt-you-wipe-out-the-debt-and-get-a/) [Michael Hudson](https://sms4smile.com/quotes/author/michael-hudson/) > [Student debt is crushing the lives of millions of Americans. How does it happen that we can get a home mortgage or purchase a…](https://sms4smile.com/quotes/bernie-sanders/student-debt-is-crushing-the-lives-of-millions-of-americans-how-does/) [Bernie Sanders](https://sms4smile.com/quotes/author/bernie-sanders/) > [Student loan debt is the reason I don't advise students who want to become entrepreneurs to apply to elite, expensive colleges. They can be…](https://sms4smile.com/quotes/vivek-wadhwa/student-loan-debt-is-the-reason-i-don-t-advise-students-who-want-to/) [Vivek Wadhwa](https://sms4smile.com/quotes/author/vivek-wadhwa/) > [ You can use the \[Barack\] Obama administration as a recent example. For seven years they've been unopposed. The Republican Party's not trying to stop… ](https://sms4smile.com/quotes/rush-limbaugh/you-can-use-the-barack-obama-administration-as-a-recent-example-for/) [Rush Limbaugh](https://sms4smile.com/quotes/author/rush-limbaugh/) > [What I want to do first with education is my student loan idea. 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That doesn't have to be your everything.](https://sms4smile.com/quotes/alexis-ohanian/let-s-say-you-re-all-worried-about-student-loan-debt-and-you-need-to/) [Alexis Ohanian](https://sms4smile.com/quotes/author/alexis-ohanian/) > [ What I think is bugging this guy \[Steven Lerner\] is the belief that debt - forced debt upon middle-class people, students (i.e., student loans… ](https://sms4smile.com/quotes/rush-limbaugh/what-i-think-is-bugging-this-guy-steven-lerner-is-the-belief-that/) [Rush Limbaugh](https://sms4smile.com/quotes/author/rush-limbaugh/) > [Student loans have been helpful to many. But they offer neither incentive nor assistance to those students who, by reason of family or other…](https://sms4smile.com/quotes/john-f-kennedy/student-loans-have-been-helpful-to-many-but-they-offer-neither/) [John F. Kennedy](https://sms4smile.com/quotes/author/john-f-kennedy/) ## More by Bill Cosby > [Guys standing around and talking about Spanish fly: 'You know anything about Spanish fly?' 'No, tell me about it.' Well there's this girl Crazy…](https://sms4smile.com/quotes/bill-cosby/guys-standing-around-and-talking-about-spanish-fly-you-know-anything/) [Bill Cosby](https://sms4smile.com/quotes/author/bill-cosby/) > [You come to my comedy show to be entertained.](https://sms4smile.com/quotes/bill-cosby/you-come-to-my-comedy-show-to-be-entertained/) [Bill Cosby](https://sms4smile.com/quotes/author/bill-cosby/) > [Sex education may be a good idea in the schools, but I don't believe the kids should be given homework.](https://sms4smile.com/quotes/bill-cosby/sex-education-may-be-a-good-idea-in-the-schools-but-i-don-t-believe/) [Bill Cosby](https://sms4smile.com/quotes/author/bill-cosby/) > [Civilization had too many rules for me, so I did my best to rewrite them.](https://sms4smile.com/quotes/bill-cosby/civilization-had-too-many-rules-for-me-so-i-did-my-best-to-rewrite/) [Bill Cosby](https://sms4smile.com/quotes/author/bill-cosby/) > [Dentists tell you not to pick your teeth with any sharp metal object. 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They just want quiet.”](https://sms4smile.com/quotes/bill-cosby/parents-are-not-really-interested-in-justice-they-just-want-quiet/) [Bill Cosby](https://sms4smile.com/quotes/author/bill-cosby/) > [God has a sense of humor though and he must see funny things in us. He must also have some love. We're still here…](https://sms4smile.com/quotes/bill-cosby/god-has-a-sense-of-humor-though-and-he-must-see-funny-things-in-us-he/) [Bill Cosby](https://sms4smile.com/quotes/author/bill-cosby/) > [When you become senile, you won't know it.](https://sms4smile.com/quotes/bill-cosby/when-you-become-senile-you-won-t-know-it/) [Bill Cosby](https://sms4smile.com/quotes/author/bill-cosby/) > [I feel that in-person contact with people is the most important thing in comedy. While I'm up on stage, I can actually put myself…](https://sms4smile.com/quotes/bill-cosby/i-feel-that-in-person-contact-with-people-is-the-most-important-thing/) [Bill Cosby](https://sms4smile.com/quotes/author/bill-cosby/) > [It is a point of pride for the American male to keep the same size Jockey shorts for his entire life.](https://sms4smile.com/quotes/bill-cosby/it-is-a-point-of-pride-for-the-american-male-to-keep-the-same-size/) [Bill Cosby](https://sms4smile.com/quotes/author/bill-cosby/) > [“The past is a ghost, the future is a dream, and all we ever have is now.”](https://sms4smile.com/quotes/bill-cosby/the-past-is-a-ghost-the-future-is-a-dream-and-all-we-ever-have-is-now/) [Bill Cosby](https://sms4smile.com/quotes/author/bill-cosby/) > [Suddenly, this romantic agony was enriched by a less romantic one: I had to go to the bathroom. Needless to say, I couldn't let…](https://sms4smile.com/quotes/bill-cosby/suddenly-this-romantic-agony-was-enriched-by-a-less-romantic-one-i/) [Bill Cosby](https://sms4smile.com/quotes/author/bill-cosby/) > [We are the only animals that let our kids come back home.](https://sms4smile.com/quotes/bill-cosby/we-are-the-only-animals-that-let-our-kids-come-back-home/) [Bill Cosby](https://sms4smile.com/quotes/author/bill-cosby/) [Explore all 393 Bill Cosby quotes ](https://sms4smile.com/quotes/author/bill-cosby/) ## More Funny graduation quotes > [People will say you cannot get a job in a down economy. People will say you cannot get a job that you love that…](https://sms4smile.com/quotes/soledad-o-brien/people-will-say-you-cannot-get-a-job-in-a-down-economy-people-will/) [Soledad O'Brien](https://sms4smile.com/quotes/author/soledad-o-brien/) > [I can tell you how bad our boards are... I don't have to watch Saturday Night Live anymore; I just go to the board…](https://sms4smile.com/quotes/carl-icahn/i-can-tell-you-how-bad-our-boards-are-i-don-t-have-to-watch-saturday/) [Carl Icahn](https://sms4smile.com/quotes/author/carl-icahn/) > [The work itself is the reward, and if I choose challenging work, it'll pay me back with interest. At least I'll be interested, even…](https://sms4smile.com/quotes/meryl-streep/the-work-itself-is-the-reward-and-if-i-choose-challenging-work-it-ll/) [Meryl Streep](https://sms4smile.com/quotes/author/meryl-streep/) > [I've been waiting more than 30 years to say this: 'Dad, I always told you I'd come back and get my degree.' I want…](https://sms4smile.com/quotes/bill-gates/i-ve-been-waiting-more-than-30-years-to-say-this-dad-i-always-told/) [Bill Gates](https://sms4smile.com/quotes/author/bill-gates/) > [You're going to fall down, but the world doesn't care how many times you fall down, as long as it's one fewer than the…](https://sms4smile.com/quotes/aaron-sorkin/you-re-going-to-fall-down-but-the-world-doesn-t-care-how-many-times/) [Aaron Sorkin](https://sms4smile.com/quotes/author/aaron-sorkin/) > [I am terminally sentimental about graduations. They are more individual than weddings, more conscious than christenings, or bar mitzvahs or bat mitzvahs. They are…](https://sms4smile.com/quotes/gloria-steinem/i-am-terminally-sentimental-about-graduations-they-are-more/) [Gloria Steinem](https://sms4smile.com/quotes/author/gloria-steinem/) > [Your education is a dress rehearsal for a life that is yours to lead.](https://sms4smile.com/quotes/nora-ephron/your-education-is-a-dress-rehearsal-for-a-life-that-is-yours-to-lead/) [Nora Ephron](https://sms4smile.com/quotes/author/nora-ephron/) > [In this time of recession, it is the time for invention. Did you know both the telephone and the automobile were invented during recessions?…](https://sms4smile.com/quotes/eugene-mirman/in-this-time-of-recession-it-is-the-time-for-invention-did-you-know/) [Eugene Mirman](https://sms4smile.com/quotes/author/eugene-mirman/) > [Live all of your life. Understand it, see it, appreciate it. And have fun.](https://sms4smile.com/quotes/joss-whedon/live-all-of-your-life-understand-it-see-it-appreciate-it-and-have-fun/) [Joss Whedon](https://sms4smile.com/quotes/author/joss-whedon/) > [Whatever you choose, however many roads you travel, I hope that you choose not to be a lady. I hope you will find some…](https://sms4smile.com/quotes/nora-ephron/whatever-you-choose-however-many-roads-you-travel-i-hope-that-you-2/) [Nora Ephron](https://sms4smile.com/quotes/author/nora-ephron/) > [Name it... and if you can dream it... you can achieve it.](https://sms4smile.com/quotes/wayne-dyer/name-it-and-if-you-can-dream-it-you-can-achieve-it/) [Wayne Dyer](https://sms4smile.com/quotes/author/wayne-dyer/) > [People will frighten you about a graduation…They use words you don't hear often.](https://sms4smile.com/quotes/bill-cosby/people-will-frighten-you-about-a-graduation-they-use-words-you-don-t/) [Bill Cosby](https://sms4smile.com/quotes/author/bill-cosby/) > [There's few things that get you over your own crap more than working hard.](https://sms4smile.com/quotes/adam-savage/there-s-few-things-that-get-you-over-your-own-crap-more-than-working/) [Adam Savage](https://sms4smile.com/quotes/author/adam-savage/) > [In 1986, our commencement speaker was George Schultz, secretary of state, fourth in line to the president. You get me-basic cable's second most popular…](https://sms4smile.com/quotes/stephen-colbert/in-1986-our-commencement-speaker-was-george-schultz-secretary-of/) [Stephen Colbert](https://sms4smile.com/quotes/author/stephen-colbert/) > [You can steer yourself in any direction you choose.](https://sms4smile.com/quotes/dr-seuss/you-can-steer-yourself-in-any-direction-you-choose/) [Dr. Seuss](https://sms4smile.com/quotes/author/dr-seuss/) [Browse all 64 Funny graduation quotes ](https://sms4smile.com/quotes/about/funny-graduation/) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "Quotation", "text": "Pay off your student loan. 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