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BCGC

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The main conclusion is definitely right. You need to take the constraints into considerations.

However, imo the optimal strategy to pay off debt is to reduce the total amount of payments whenever you have money to pay after the necessities of life are taken care of.

Simple :)

Absolutely agree :)

But seriously, if the students turn in programs that won't even compile, I'd say the blame should be on the TAs and the Profs!