There is a thread in SWA section in these forums that will tell you how. “Newbs work smarter not harder” or something like that.

Lots of jumping to conclusions about OP’s motives. For all we know he could have 3 kids in college and a sick family member. Maybe he’s a Ramsey guy and doesn’t want to borrow. So all the judgment on his question is ridiculous, lacking his personal details which are none of our business.