Thanks for the advice @grizgal, the more people remind me that I need to crush this debt the better. I'm fighting with every cell in my body to NOT move away from Connceticut yet (cheap cheap rent), and focus on crushing the debt... but NYC beckons...

if you see me make any major freelancer mistakes, please don't hesitate to yell at me in the comments!! I have no idea what I'm doing, just learning as I go. thanks again :-D