one is a student loan, the other, basically a loan from myself. a joint account I hold with my brother that serves as a sort of a cash reserve. So what I’m trying to do now is pay myself and my brother back. difficult, I’m my own lender and have to turn up the heat on myself.

I made the first of what will be 19 monthly payments this month. Can I keep going for the next 18 months? debt-free to myself by January 2009!