Credit is an 'I love debt' score.
Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His.
There are no shortcuts when it comes to getting out of debt.
I would not pre-pay. I would invest instead and let the investments cover it.
No one got rich on a government program. Do not choose to be a common man. You can be uncommon.
Every person falls down at some point. Successful people choose to get back up!