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Well, I don’t have a mortgage or a car payment at this time but if I did I would definitely be working on this one. This would be a very big step towards becoming debt free for anyone according to Dave Ramsey.

There are a couple of ways to work on this. You could just apply extra money towards the payments to pay it off quicker. You could also consider refinancing to get a lower rate so that you can achieve your goal of becoming completely debt free!

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