So, you're a 22-year-old nurse with $37K in student loans and dreams of owning a condo. It sounds like you're ready to tackle this financial challenge like a superhero in scrubs! Balancing student loan repayments and saving for a property can feel a bit like juggling flaming torches while riding a unicycle, but with the right strategy, you can totally make it work.

First things first, let’s break down your student loans. You’ve got $27K in Alberta loans and $10K in federal loans. Understanding the terms of these loans can help you prioritize. If your Alberta loans have a higher interest rate, it might make sense to focus on those first, like a nurse zeroing in on the critical patient. You could consider refinancing if you’re eligible; this could lower your interest rate and monthly payment, giving you a little extra cash to put toward that condo fund.

Now, about that condo savings. It’s all about creating a plan that feels doable and not like you’re giving up your lattes and avocado toast forever. Start by setting a savings goal. How much do you think you’ll need for a down payment? A common target is around 20%, but there are programs that allow for smaller down payments. Figure out what’s realistic for you and your budget. Then, let’s create a monthly savings plan. If you aim to save a little each month, it’ll feel less like a big chore and more like building up that sweet, sweet condo fund.

Consider setting up a high-interest savings account specifically for your condo down payment. Think of it as your financial piggy bank, but one that earns you some interest while you’re at it! Automating your savings can also help; it’s like setting your favorite show to record so you don’t have to remember to watch it later. Just set it and forget it, and watch your savings grow.

Next, let’s talk about side hustles. Since you’re a nurse, you might have a flexible schedule that allows for some extra shifts or even freelance nursing gigs. Or maybe you have a hobby you can turn into a side job? Think of it as your own version of a superhero alter ego, bringing in extra cash to help you tackle that debt and boost your savings.

Also, keep an eye out for loan forgiveness programs tailored to nurses. Some of these programs can wipe out a chunk of your loans in exchange for working in high-need areas or certain facilities. It’s like a reward for being awesome in your field!

As you work toward both goals, regular check-ins on your progress can help keep you motivated. Celebrate those small victories, like paying off a portion of your loans or hitting a savings milestone. It’s like leveling up in a video game — each achievement gets you closer to that big win.

Finally, remember that it’s okay to adjust your plan as life changes. If you find you’re able to pay off loans faster than expected, or if you land a sweet job opportunity that allows you to save more, don’t hesitate to pivot. Just like any good storyline, your financial journey will have twists and turns, and that’s what makes it exciting. The key is to keep moving forward, both in conquering those loans and inching closer to that cozy condo. You’ve got this!