If I have $3,690.23 in debt. With 7.9% interest Rate. How long will it take me to pay off at $78 per month?

Here's a GREAT link for an Excel template that allows you to enter different debt amounts, interest rates, even extra payments. I use it all the time and love it.

http://office.microsoft.com/en-us/templates/TC0620...

I also like this one for figuring out minimum credit card payments and how long it will take you to pay it off: http://www.csgnetwork.com/creditcardmincalc.html

And this one for just figuring out how long it will take you to pay off the credit card: http://www.csgnetwork.com/creditcardcalc.html

It will take you 4 and 3/4 yrs to pay it off at that rate. This is from a finance calculator based on the fact that you do not have an annual fee.

To fully pay in 2 years = $167.00/mo, 3 yrs = 116.00/mo.

With a payment of $78 a month, it will take 4 years and 9 months to pay it off.

If you want to pay it off in two years, your payment will need to be $166.73. If you want to pay it off in three years, your payment will need to be $115.47

You are not paying enough. If you want to pay this debt off in two years your payments need to be $178 per month. If you want to pay it off in three years your payment needs to be $126 per month.

4 years and 9 months.

i would say pay the most you can afford to i would try at least 150-200 a month and see where that gets you...