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In response to "Nice well thats how we have been living. I should get 1600 in Nov and my bonus in Dec should be 8-10K -- nm" by Capstern

seriously, put together a spreadsheet projecting every payment until everything will be paid off.

and then start crossing them off, month by month. you can also use it to evaluate different payment schedules to find out which saves you the most in interest payments.

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