very motivating! I have ~$47k and my minimum monthly is $190 and I’m paying $150 every 2 weeks now. I’m getting a smallish raise on 10/1 and I think whatever the increase ends up being (tbd) I’m going to add it to this to bring it down more. I also usually dump a big payment in when I get my tax return as well and on months when there are 3 paychecks an extra $150 goes toward it then. I’m 33 now (34 in September) and I would love to pay this off by the time I’m 40 but more likely will have it finished by the time I’m 43 (omg I’m going to be 43 some day).