I did the same thing you did the first 2 years I moved out of my parents' house. It took me 5 years to pay that debt down. And it taught me a valuable lesson...which is why the only money I owe is to the bank for my mortgage. I'm gonna bet you learn the same lesson one way or the other. The temptation to spend, spend, spend instead of putting away money or paying down debt is overwhelming. Gotta keep that in check. I'd like to know what your first/initial/strongest gut feeling is on this. Because that's what I trust first and foremost when it comes to big decisions in life. Sure...analyze/pro/con/discuss/debate/ponder/stew all you want. But in the end, you have go with what FEELS mostly right to you. Otherwise there are regrets. Regrets either way I'm sure, but BIG regrets if you don't listen to that little voice inside. This may be just a woman's perspective, but it's yet to fail me when I need it most.