Just wanted to thank everyone for their wonderful suggestions and motivation! It feels good to know that I can actually accomplish this and to have a roadmap that shows me exactly how to get it done.
No more excuses! I already created a plan in dueminder and I'm going to stick with it. Early next year when I get my tax refund and bonus at work (hopefully) I will also throw that at my debt to speed up the path to debt freedom.
In the meantime I'll start building a modest EF and by this time next year I should be able to increase it substantially so I'll not only be virtually out of debt but I'll also have financial security. I'm excited and hopeful-thanks again!
My next two goals will be to look at the possibility of refinancing and the possibility of reducing my withholding so rather than a refund I can get my money upfront each paycheck.