I paid off $20,000 this month since April 11 this year. It is not the best journey I ever had. But it is so rewarding along the way. I learnt how to budget. I started living in the office. I do 3, 4, 5 jobs to get my job done. I can make it. I have $18,800 debt left. This month is a little bit behind of the schedule. Truly tired and my car got busted and paid $830 for it. Never mind. I will just keep going.