I too have the Keybank loan. I pay 455 a month for a loan of 38k. That is about 10$ over what they want, and when the wife and I pay off her car, that additional 188 a month is getting chunked right into that loan.

I have thought about selling my soul to the devil (read: volunteer for an 18-22 month) deployment to the Sadbox to get additional pay and tax free money just to pay off the stupid little bills that I hate shelling out money for. In the desert I would make over 100k and take all of it home and be debt free when I came back.

Is it worth it? That part the wife and I are still trying to figure out.