I pay the first car off in 31months by putting the 4k from taxes down and $100 dollars extra per month. That frees up the $360 car payment every month.i take that $360 plus the extra $100 I used to pay it off faster for a total of $460 and put it towards the second car so I have a total of $862 going towards the second car every month and it would take mean additional 10 months to have that car paid off. So I have nothing cars paid off in 3 and half years. I then take that $862 every month and start paying towards the student loans after that 3 and half years. I do not see my financial circumstances changing in that time so we should still be on $0 IBR payments on the student loans. If I could theoretically freeze the interest on those student loans it would take me 69.6 months so say 70 months to pay off the student loans by paying $862 per month. Now since I can't freeze the interest on those I expect it to realistically take maybe an additional 12-24 months if not more so let's say 96 months to play it safe. That is 8 years after the 3 and a half on the cars for a total of 11 and a half years. This is not even factoring in the fact that I will usually get slight pay raises every year and might be able to contribute a little more and not taking into account tax money I will potentially get back every year that I can use to pay everything off faster. I will have a small but reliable emergency fund initially of $1,700 plus $200 per month for a total of $4,100 after the first year if I do not have to touch it. Not to mention the extra $200 I would still have in my bank account each month.