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@fishbjc wrote:I'm paying down to 20% for myself. I have $11k on Chase for ds college expenses...way down from in the 50's....I'm going to get at least 2/3 of this paid off. Tired of looking at it and seeing the bill.I may be able to get it down to around 17%....Im not going to apply to NFCU until mid score is in the high 600's...plus I've yet to get the basement 100% cleared out. I think I'm in denial.