<prompt> Human: I have been a major lurker of rpersonalfinance and want to give a huge thank you to everyone on this sub as I have learned so much about personal finance!Long story short 2016 was a major year for me. Extremely stressful and also life changing. I ended the year with my credit card nearly maxed at 12,495.74.Im happy to say that today I made my final, large, payment towards my card. Im sitting at 296 and will have that portion paid off come next Friday!The money that I have been putting towards my credit card will now go towards my student loan and I hope to have that closed out as soon as I possibly can.So thank you for having all of this information out there for people to learn!  <response>: Congratulations! 