Once I filled that all in, I added a new tab with the above information to calculate based on the data in each separate tab. So, it has been determined that it will take me 46 months to payoff all debt. Fun fact, it will take just 20 months to pay off all credit card debt and a small student loan thrown in! The following 26 months is student loans, a small mortgage, and car loans. These calculations don't include any of our bonuses that we plan to throw at debt or tax refunds, or christmas money we receive as gifts, or money we make from selling stuff. I am darn happy about 46 months. This process has been difficult so far, but it's getting easier. I have been told time and time again that I am not attacking with gazelle intensity, but I am attacking with what I am comfortable with and still making great process that I am proud of!