"Slow & steady payments..."
How I did it: It took several years, but what it really boils down to is just keep making the payments, use the standard payment plan, & make extra payments when you can afford to.
Lessons & tips: Make sure you're not on the extended pay-off plan. While in the beginning, this may seem like an attractive option, it really makes the burden of payments seem to last forever.
It took me 10 years.
It made me Ecstatic