We are on road to debt-free also. Long one...finally my husbnad is on board. have old cars (love mine...14 years...don't know what will get next for cheap and reliable). refi'd house to 15 yr note a year ago. saved over $100,000 doing that...whew! Now I have job to supplement which will help. no college fund unfortunately. we have seasonal income so all our savings was used to live in winter (lawn service business). With my new job..from home...answer to prayer...we are now on the road to having savings AFTER winter :-) We live frugally also...children are completely in hand-me-downs and still have more than needed. God will provide. What is the verse...if even the lillies are clothed...why should we worry..." don't have it in front of me.
Anyway, just thot would chime in. It's very freeing to get out of debt. The bible certainly speaks to not borrowing..need to look it up so I quote it correctly.
Trust God :-) He will provide. Maybe not what we wanted, but He will provide. Blessings, Sarah in TX