The annuity is an issue- it is a retirement planning issue, not a pay down debt issue. DO NOT cash out a retirement investment to pay down debt.
Can you post how you spend the 35k each year?
20k is NOT a lot of debt. I bet you could be debt free in 18 months if you post your expenses here.
Is the annuity funded through employer?
Will graduating increase pay?
Is there a 401k at employer?
Can you work a second job part time?
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