Good job. Getting initial momentum is the most difficult part. I started out with $56,500 in Jan 2012. I'm currently down to $47,500. I know that it's not that impressive. However, I have extra money going into 401K and real estate. If we buy another house in another year, my payoff plan would be around 5-6 years. If we don't buy another house, it will be 2-3 years. 2016 is a very lofty goal. Good luck!