Logan! Some solidarity here. I just wanted to let you know that I got into tons of credit card debt in my early 20s, and over the past couple of years I have been paying it off. I haven't gotten any windfalls (well besides maybe a few tax returns), I've just refused to use my card and paid it down slowly and steadily. Any time I had some extra cash I paid more down and lo and behold, I'm now just about to pay them off (maybe 5 more months or so?). It kind of sucks, it's been at least a few years of paying it off, but I'm really close now and it feels great to not have panic attacks or dreams about debt anymore. You can definitely do it and I know what you mean about feeling like it will never ever end. It'll just take a while. p.s. I've been reading since you guys started this but it's my first time commenting. I love the blog!