Devastated

I hadn't planned on writing another blog post today.  But my emotions are running high as I've discovered something horribly disappointing.

I recalculated our debt payoff date in light of our new payment schedule.  Instead of September 2015, like I had calculated before, we are now set to be out of debt in March 2016.  This is 6 months later than expected and quite a blow to me and my husband.  I'm wracking my brain trying to think of how I could have messed this up so badly before.  My only conclusion thus far is that I had been calculating a higher monthly payment on one of the student loans.  For a few months a while back one of the student loans required over double the normal payment.  Once that period elapsed the monthly minimum went back down.

So what now?  I can't imagine we'll be able to pay more than almost half our income towards debt each month.  It seems inevitable that we'll just have to suck it up and deal with this twisted turn of events.  I'm going to try not to let this news take the wind out of my sails but it sure does not help my new year momentum and optimism.