I have just felt like, and maybe you have felt the same, an urgency to get out of any and all debt that you can.  Pray for miracles.  Sometimes it requires sacrifices that are uncomfortable.  But do whatever it takes it get out of debt for the season ahead.  And do it immediately.

Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law. (Rom 13:8)