irmanator - How do your tax returns look in a typical year? Do you get a refund each year? If so, have you considered adjusting your withholding so that you "give up" the refund but get more take home each month? With more take home pay, you could apply the extra to the debt each month and get it paid off more quickly.
I suspect you guys qualify for the Earned Income Credit on your tax returns. Are you claiming that credit? If not, you should! [If you haven't been claiming it, you may be able to go back and amend your tax returns from the past couple years, I think.] I believe there is a way you can have the EIC spread out over your regular paychecks, boosting your regular take home even more.
Perhaps your HR department at work or one of the more knowledgeable people here at Savings Advice could tell you how to do that?
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