I have 22k in student loans at a fixed rate of 7.25% that has already been consolidated. I also have a 55,369.00 30 year fixed 6.25% mortgage. I have made 7 years of payments into my mortgage. My credit card debt of 6,000.00 should be paid off by May of 2010. A lot of the debt on my credit cards was for car repairs, vacations and veterinary bills.