It sounds ridiculous, but I am so close to getting my biggest loan to $10,000, and the thought of how fast I can whittle that down is amazing. If I get rid of that loan, I can think about affording an apartment in NY by myself. I can think about actually opening up a place. I'd still have one more loan to contend with, but it's the lowest interest and with this one out of the way I could pay it off that much faster.