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heathers in knoxville how are you heather hi there thanks steve for taking my call sure how can we help um well i am a small business owner im actually an artist who works from home i had a lot of credit card debt and then i received a small business loan and so i was i i saw one of your shows passed when i accepted it or no i guess it was earlier and you and it was like a no no dont do that so can you can you explain that its its a 3.75 30-year i do plan on my my goal is to pay it off sooner but can you help me with this i you know i basically use a loan to pay off the credit card debt okay which was very high interest so you you just moved your credit card debt to a small business loan yeah okay and so your credit card debt was 18 or whatever and now youve got like you were like 29. now you got now you got a 4 loan and it was how much money uh about well it was um uh well for that loan it was um about nineteen thousand okay and how much were your payments if you added up all yo