Thank you SO much. In my case, though much of my debt has a five-year` window, i.e., I’m making four-figure bankruptcy repayments to settle my credit card and misc. debt, and then I don’t even want to get into my graduate loans. I prefer to ignore that for the time being, haha.

I’m definitely tackling it head-on, but I think the bigger question I need to pose is how to make changes in my life so I can pay off my debt and still live a decent life. :)