<prompt> Human: I work at a job that pays me 1,000month.Putting all bills and expenses aside, I save about 400 a month. The number fluctuates every month.Any help, tips, links, articles or applications are welcome. I just dont want to be spending the next 20 years of my life paying this off.  <response>: well.. its not 20 years if you pay 400month. its more like 20-24 months depending on interest rates if you pay 400month. you dont have to use the payment schedule-- prepay early and get it gone is feasible 