When we got married, Heather was interested in living overseas and serving as a Mission Coworker for the Presbyterian Church (USA). With $90,000 of debt, we both knew this would be impossible. So, we made a commitment to take control of our debt and change our financial situation within five years. Our original goal was to pay off most of our consumer debt within that timeframe, leaving just the student loans, which would be manageable, even on the salary of a missionary. So, we took a step back and started analyzing our finances.