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[quote=Anonymous]Op back with debt numbers. 
3years 4months to pay it off. I’ll post the rates and balances below.

Some months we have 3k to put on it. Most months. There are a few times we do not have the 3k. There are other times we have more than 3k, and this is where we have a little fun. We can do great vacations for 2400-4000. We have done this twice in the last 8 years. One was 2400 no kids born, shared house for a week. One was a big bucket list vacation with kids that was about 4k. A third was an anniversary, no kids but I don’t remember the numbers. Again, it was just two of us, I’m sure we found a deal. We always set it aside beforehand. We just did a small one with kids about $1k over summer, but again, we had extra that month.
But kids growing might raise the cost coming up. So no big vacation planned until 2027. Then we’ll celebrate big as we plan for loans to be done. Still well well under 10k.
Kids are starting to do small local sports. We have managed to keep that cheap. (One class was only $65!) One kid is interested in doing more, but we’ll see if our income increases…Kids are 5 and 7 years old.

Minimums + extra = 3k. 36k per year or thereabouts.

Debt table. I’m going to add dollars and cents because a year ago I did this, rounded up or down and people added things up themselves and found the numbers were off. It’s all here:
Loan / balance / minimum/ rate
#1.  7,852.46   113.30  8%. This one has a term, so it will be over one day regardless. Can’t remember the term, and it will be done in 3 months anyway.
#2.  5,092.72   74.10   6.55%. This and below are federal, have no term. It could last forever. 
#3.  5,477.73.  38.61.  4.25%
#4.  48,818.60.  315.68.  5.16%
#5.  40,408.02   252.62.  5.96%

Summary: minimums 794.31
Extra each month: 2205.69
Highest 8%
Lowest 4.25%[/quote]

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