It’s close to $10K. I’d have to call them tomorrow to check the exact balance. Obviously, knowing the exact payoff amount can help you plan to pay it off more efficiently.
At my current rate several, several years. I don’t have a high monthly payment because at the time I arranged it, I was only making like $8.67/hour. While increasing the payment to pay it off quicker helps, reducing my payoff timeline from 6 years to 2-3 years still does not solve the issue of if my credits expire after 5-7 years.
Like I said, reducing the payoff timeline helps, but it won’t help if these credits expire in 2021 or sooner.