So I think I spoke a little too soon regarding my one troublesome debt. It looks like it's a problem in a different way I expected -- so there's the problem I knew about and another one I hadn't anticipated.

I'm hoping I can straighten it all out, but the reality is that with my current payment arrangement, I'm barely making a dent -- I'm barely paying the interest. This made more sense when I had so many other debts to pay, but I've gotten rid of some since I started the payment plan. However, I was also taking home more $$ because I was working two jobs. I can't really do that right now.

So, I'm looking at all the figures. Currently, I have some (not as much as I'd like) money in the e-fund, plus a little at hand cash in case of emergencies. All together, that's nearly 1,000. So I'm going to quit adding to that, and start seeing how I can quickly pay off these other debts. I really want this all to just be finished, but I know that it's going to take time.

So I'm trying to find the balance between speed and continuity: there's a payment rate that will pay off these debts, but won't leave me eating ramen for 2 years. Because I know myself: I'll eat ramen for one month and then crave steak.