2012 Goals

Pay off $10250 credit card debt.
Goal June 1st.
Next is pay off the private student loan that NEVER goes down.
Access Group:$18570.
From June 1st -if I then apply my credit card payment to Access, it'll be roughly ten months, so roughly April 1st 2013.

My other two student loans are due to be paid off in less than two years, but they are federal and had low interest rates.

That would leave the mortgage.

Debt hell has a light at the end of the tunnel.