Apologize for late reporting on my side. My current debt as of this month is -16,211. Since my new job, I am seeing on average of $1,500 in debt reduction. Being a geeky debtor, I couldn't help but plug in my debt payment for last year and get estimate on how long it would take to pay off. According to the trend line (adjusted after taking my new job), I will be debt free somewhere around April 2011. Indeed this is all contingent upon my current income level and my financial discipline. Wish me luck.