Today I scheduled the final payment on the third of my six credit cards. Three more to go. Now we’re moving into the heavy hitters– the guys with the largest balances and, of course, the highest interest rates. As it stands today: I have $4,845.70 in credit card debt (with an average APR of 28.99%- rapists), $9,203.91 in a car loan, and $6,881.86 in student loans which means my total consumer debt right now is $20, 931.47. My Debt Reduction Calculator tells me I’ll pay my last credit card off January 2012 which is a good way to start the new year if you ask me. Just have to keep moving forward.