Your version of the baby steps. Each month's leftover money flows down this list, top to bottom — fund a step fully before moving to the next. Drag to reorder (or use the arrows on mobile).
⠿1
Pay off: Discover
beyond the minimum
cleared Sep 2028
⠿2
Pay off: Bank Of America
beyond the minimum
cleared May 2029
⠿3
Pay off: Wells Fargo
beyond the minimum
cleared Aug 2030
⠿4
Pay off: Marriott
beyond the minimum
cleared Mar 2031
⠿5
Pay off: Affirm Small
beyond the minimum
cleared Jul 2028
⠿6
Pay off: Affirm Big
beyond the minimum
cleared May 2030
⠿7
Pay off: First Community Bank *
beyond the minimum
cleared Feb 2030
⠿8
Pay off: Nelnet
beyond the minimum
cleared Dec 2031
⠿9
Pay off: Direct Loan - Subsidized
beyond the minimum
cleared Mar 2032
⠿10
Pay off: Direct Loan - Unsubsidized7
beyond the minimum
cleared Jun 2032
⠿11
Pay off: Direct Loan - Unsubsidized3
beyond the minimum
cleared Oct 2032
⠿12
Pay off: Direct Loan - Unsubsidized5
beyond the minimum
cleared Mar 2033
⠿13
Pay off: Direct Loan - Unsubsidized6
beyond the minimum
cleared Aug 2033
⠿14
Pay off: Direct Loan - Unsubsidized1
beyond the minimum
cleared Mar 2034
⠿15
Pay off: Direct Loan - Unsubsidized2
beyond the minimum
cleared Nov 2034
⠿16
Pay off: Direct Loan - Unsubsidized4
beyond the minimum
cleared Sep 2035
⠿17
Emergency fund
Build cash to this level, then move on
⠿18
Invest & build wealth
Everything left over accumulates as savings/investments
Minimum payments on every debt are always made first; this plan only controls where the extra goes. A $5,000 safety cushion is kept before any extra is applied.