We are running Ramsey's program we will pay off 45K in 2.5 years if we stick to it without changing the level of comfort we have now. If we were not following it we would be looking at 7.5 years for payoff.
The cool thing is my wife and I have decided to cut a few things like soda, chips, weekly movie rentals, and other small stuff out. Just by doing those and taking that little extra cash and paying acording to his system we cut 5 months off the time to pay down. We hope to cut even more this summer by doing garage sales, mowing lawns for the neighbors, etc.
It is amazing how good it feels once you start to see the snowball effect of your actions. It becomes like a drug to get a little extra cash so you can pay off the next bill to roll the payment over just a little faster.