My personal loan has been paid off and will be permanently closed next month.
I have no more debts with friends or family (apart from one case of beer with Rick, but that's besides the point)
I can now officially say that I'm totally and truly out of debt for the first time in a long, long time.
Oh, and at yesterday's staff party I got to sing a song with the band and totally blew the band's singers out of the water. So there.