I cheated on it a little bit. I sort of bounced between types of credit for a while. When I was in college, my grandfather cosigned for my line of credit, so wh

I cheated on it a little bit. I sort of bounced between types of credit for a while. When I was in college, my grandfather cosigned for my line of credit, so when I was making enough money to allow it, I converted it into a standard loan to get his name off my debt. Not long after that - a few months, maybe - the bank called and said that I was such a good customer that they'd love to give me a brand new line of credit (with a $5k limit increase over the old one), and that they could consolidate my visa and loan debt onto the line of credit, which sounded like a great deal. So I did it, but I guess I missed out on the psychological reward you mentioned. My student loans (the 'OSAP' in my top post - Ontario Student Assistance Program) were just this thing I never paid attention to. They just draw $96 from me every month, and I don't care that they do. When I have the money to pay it off entirely, I will, but for now just getting them to accept > $96/mo is such a massive hassle that I don't bother. When my line of credit was paid off, the only "reward" I got from that was, "that's it?" I knew I still had that damn student loan, but there was little I could do about it for the reasons listed above. So I guess I just started living my life. Oh, and "paying off the highest interest first" and "paying off the smallest debt first" were the exact same thing for me, since my smallest debt was the credit card.