You have $4,800 of credit card debt you've amassed.

The APR is 18%; charging 1.5% interest per month. The credit card has an annual fee of $99 that will accrue in January of the year following your graduation. Your limit is $10,000; so you can still use it if you need to.

Lay out a strategy to pay this card off. How might that strategy be complicated by student loan debt and living expenses? How long until this credit card was paid off if you dedicated $200 a month towards this goal?