 Think about that. You'd be debt-free in two months if you pretended like this money was not a raise to increase your lifestyle, but instead this is just money to pay off the debt. Could you be debt-free in a few months? Absolutely, but I was also thinking with the personal loan, right? It would be a good vehicle to get his credit score back without taking a credit card out of it. Screw the credit score. What good is that? To get another car loan? No, so come time to buy a house. Well, you guys are going to be debt-free when you're debt-free.