I haven't worked out all the loans, I've been to 5 colleges @ some point people, but I did contact one to update my mailing address etc and double my payments. @ one point I was paying $25/mo and about a year ago I went up to $50. Now I'm @ $100.

I squeaked "How much is my balance?" and shut my eyes tight, bracing myself...

$5400...

*gulp*

Ok.

That means 540 months to pay off...yikes!

But...if I can pay an extra $400 a months, 10 months. Ok. I'm game.

As soon as Orchard is done, I'm paying that debt of next, and will update my little repayment chart on the right --->

Unlike my cc's, it's not a given I'll be able to scrape by $400 extra bucks, believe it or not, I want to go back to school next year. Really. But this time I want to pay in cash and this time, it's a state school, much lower tuition. So I need to save as well.

So I may be able to pay @ least what I was giving to the cc's $94 I'll round it up and it'll be an even $200 a month, 2 and 1/2 years. Not to bad and it'll allow me to squirrel away tuition money too. If I pay it off quicker, I'll be away from starting school that much longer and my goal of using the new degree (potentially even more money) will be that much further away too.

It'll be a short-term sacrifice, for a longer term goal.