I was thinking about that. More like a two-year timeline. Thirty is NOT meeting me in my parent's house. My credit card debit is minimal as I only have two cards; I use my debit card for almost every purchase. I'm half-way tempted to reduce my contribution to my 403b so I can focus on my repayments until I decide to move out, but I don't want to end up regretting that loss later on.