I'm down to my last three (maybe even two!) payments on my primary student loan. After ten years of crippling monthly payments , the balance is now below a threshold where I'm eager to throw all the money I can at it and watch it vanish ahead of schedule. Lord willing that'll be real soon. And it'll be real satisfying.
Here's an analogy for my sci-fi friends:
"Shields" would be all the zeroes that allowed the loan to last this long, and now I can hammer away at it with my torpedoes (and torpedo production is very good this month!) until that enemy ship turns into a fireball.
And right behind it lies my credit card debt and a much smaller loan... no longer protected. *evil grin*
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