It's very gratifying. Your greatest day of joy will come when you are debt-free. It's as though a weight has been lifted off your shoulders. A person who is in debt has a heavy head. This burden relates to the requirement to repay principal and interest on time.
One who is in debt feels like it's a weekday, while one who is debt-free feels like it's Sunday.
On a workday, you think about having a duty to perform. On Sundays, you have a freer minds