Not to be facetious, but RTC is correct on the essentials: you need to cut spending and/or increase income, OP. I suggest a combo of both applying for additional jobs and putting yourself on a strict budget until this is paid off. Meaning, no eating out, no going out with friends, no cable TV, no nonessential spending whatsoever until you raise the money. Also, most people's biggest expenses are houses and transportation. Consider downgrading your car or going without one at all, and/or sharing living expenses with a roommate. It all adds up. Best of luck to you.