With $37,582 in bad debt, it is projected to take 31 months (2.5 years) to pay off, followed by an additional 6 months (total 3 years) to establish a fully funded emergency fund, leading to increased independence.
"If you tackle this debt, not just student loans, and some of the balances were a little different. So, let me read add it up. $37,582 of bad debt. It's going to take 31 months, which is okay. 2 and 1/2 years. Then call total of 3 years to get a fully funded emergency fund."