<prompt> Human: Im finally in a position to start paying off some of my debt, and Ive been re-assessing everything recently. Im 26, and I got a personal loan for 3k through my bank April 2012. Looks like Ill have it paid off by this April, and Im not sure if 2 years for a personal loan of that amount is a reasonable time period. Did I let it drag out a lot longer than I should have?Additionally, Im tempted to turn around as soon as I have it paid off, apply for another small loan under 5k, and use it to make some hefty payments toward other debt. Good idea? Bad idea?Any insight you can share is appreciated!EDIT: Thanks for the comments. It did feel like a long time, and the last thing I want to do is make myself worse off. One step at a time!  <response>: 1. Why did it take you so long to pay off a 3,000 debt?2. Why are you also in hefty amounts of debt at the same time that requires another consolidation loan?My vote: Time to seriously re-evaluate your budget to see whats causing you to cycle through debt. 