[vudooca]

I am currently researching for the best way to do this: To pay off my student loan debt. I haven't been able to meet with a financial advisor up in fort st john as the banks close when I am free and/or they are way too booked up. Plus I don't want them selling me products to get there sales records up. In addition, I would ask of my few accountant friends but they seem to be too busy. I know that there are some very knowledgeable people in here so I am hoping that they may be able to give me some advice

My student loan is at ~55000 and has a floating 5.25% annual interest rate which roughly ends up equating to $250 a month or $8.25 a day of interest based on the total amount. I have been on repayment assistance since Jan 1 which ends June 30th. This status allowed me to have the government pay for all the interest that would have accumulated up until June 30th. My first scheduled payment is at the end of July. In case your wondering, I was legitimately in need of it; however, I have been lucky in the past few months to secure a full time job and help paying moving forward when i need to.

Income:
I don't work in the oil and gas industry up here in fort st john so I dont make over 100k, but I am happy with my secure job here. At the end of the month my take home is $3700 a month (which includes taxes deducted)

Expenses
basement suite rent, cell, car insurance, food, heat, electricity, everything...
i am able to get it down to $800 a month on average.

Assets
Now I've accumulated in about 22000 just sitting from working and saving.
I also own a highly modified 300zx twinturbo which i honestly value at 17000
I also own a 97 pathfinder which is probably worth 2000

Thoughts
I really do not want to sell my child hood dream car if i dont have to. I heard student loan interest rates were considered a good rate. My experience in this bar none so I am not sure if it is... is it? I also have heard that some people buy a house... get a mortgage and lump their student loan in the mortgage which i hear is possible too. This is apparently called consolidating. Clarification on this approach would be appreciated. Any other ideas would be also appreciated as well. Especially ones that are low risk investments that would beat the interest rate of my student loan.

Current Plan (rough)
Here is the rough payment plan table i made if i just decided to grind it out:

Month / $inject / Student loan /floating 5.35 per year /thus by month /thus by daily
Current 0 56393.66 3017.06081 251.4217342 8.267188418
May-15 22000 34393.66 1840.06081 153.3384008 5.042036066
Jun-15 4000 30393.66 1626.06081 135.5050675 4.455644729
Jul-15 2500 27893.66 1492.31081 124.3592342 4.089150144
Aug-15 2500 25393.66 1358.56081 113.2134008 3.722655558
Sep-15 2500 22893.66 1224.81081 102.0675675 3.356160973
Oct-15 4000 18893.66 1010.81081 84.23423417 2.769769636
Nov-15 2500 16393.66 877.06081 73.08840083 2.40327505
Dec-15 2500 13893.66 743.31081 61.9425675 2.036780465
Jan-16 2500 11393.66 609.56081 50.79673417 1.670285879
Feb-16 4000 7393.66 395.56081 32.96340083 1.083894543
Mar-16 2500 4893.66 261.81081 21.8175675 0.717399957
Apr-16 2500 2393.66 128.06081 10.67173417 0.350905372
May-16 2393 0 0 0 0

Thank you for taking your time in reading at least. I hope someone can chime in soon.