<prompt> Human: My girlfriend is carrying over 20k of 18 interest debt. Shes working on paying it but I keep trying to emphasize the difference it will make if she starts focusing on saving little unnecessary expenses 20 here and there and puts it towards the debt, but Im not getting through and she doesnt think those things make a difference.Does anyone know of an article that will easily explain the cost of compounding interest and that even paying those small amounts on top of regular payments will make a significant difference long-term?Thanks in advance.  <response>: Build a spreadsheet with a fancy graph! that shows how long it will take to pay off the debt and how much interest you will pay based on the current payment plan and overlay that with the same metrics for 100, 200 and 300 per month in extra payments.The visual representation should help. 