Debt is robbery. My wife and I had 8 thousand in debt and an offer to let us use a vehicle in case one of ours broke down was enough to let our funds loose and pay it off. We're now sitting on more than twice of what we owed these vultures and it hasn't even been a year. Before we had that debt paid off we lived almost paycheck to paycheck.

Get rid of that debt as fast as you can, its LIBERATING to have complete control over where each dollar you earn goes. Granted you'll likely always have bills but thats easy enough to plan around. You have no idea what the peace of mind of having enough money stashed away for any of life's hurdles does for the quality of your life.