So go back to ncnascarlady's fallback plan. Pay the monthly payment on one check, and a second check to be applied directly to the principle, and noted on the remarks line as such. Make the second check whatever you can afford each month. Even if it is only $100, over the course of a year that extra hundred bucks a month would trim almost three monthly payments off the repayment schedule. You might not make your one year goal, but cutting down the number of payments would help.