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As with all things this will only be possible if you are really disciplined. You must not add to your debt pile or borrow any more money until you pay off the current cash. Give yourself goals and timeframes when you'd like to achieve things. For example; to pay my store card off before Christmas. If that's not realistic then extend the date. You have to push yourself with this though. You're literally throwing hundreds of dollars away each month of your hard earned cash. First thing's first; STOP SPENDING! Never use a broker where you do not understand their policy and operating platform: Make sure you study, ask questions and understand your brokers operating policy, trading platform and other activities. Make sure your broker of choice is registered and regulated in their country of operation. Find out what their margin call policy is all about and make sure you abide by the policy agreement. Though I love the title Orbiting the Giant Hairball, I don't really want to read about how individuals can work for corporations, with all the benefits of a large organization behind them, AND stay in a creative flow. If the amount you pay each month is $200 for one loan, try and stretch yourself to increasing the payments to $250. This will get the debt out of the way much quicker. Or decrease the term remaining to finish the loan. This will automatically increase the monthly amount payable. As long as it's manageable then push the amount up as far as you can to repay each month. The temptation is to think if I get an extra $2000 we can have that holiday we talked about! NO! The exercise here is to start getting rid ##primary## the debt so that you can holiday more frequently with your own CASH! Getting a tax-deduction allows your contribution to be subtracted from your taxable income. A lower taxable income means you pay less income tax in the year you contribute to your IRA. So you end up with more in your IRA and with less loss in your pocket than