paid it down to 24k. All of my debt is consolidated to two credit card accounts. I have re-upped my 0% offers and pay the 3% fee. The first one was with Slate so there was no fee with that. I just keep plunking away at the debt I have. I'm getting married in a couple weeks so at that point I can more aggressively start paying everything off. Hope to be debt free in 2 years.