I just don't know.
I was at Thanksgiving last night talking to my cousin and listening to him tell me about how he and his wife decided one night that they had enough of debt and made a plan. In less than a year they have managed to pay everything off. They managed to pay off both student loans in less a year....less.than.a.year. How is that possible? I have been hearing more and more stories about people paying down their debt so fast, all I know is that it takes discipline. I'm really curious how this all works. I look everyday at the tower that is my bills and wonder how I can pay these down. I don't make minimum payments except when it comes to the mortgage and commercial loan I have, and there are monthly bills that don't get paid down just paid off every month like utilities, but how do I pay down my student loans? I couldn't even afford the minimum payments and have had to take out a deferment again for another 10 months. Other than that I have a credit card for the business ...