Free payoff calculator
Your $80/mo minimum doesn't cover the ~$83 monthly interest. At 24.99% APR, this $4,000 balance won't shrink at minimums. See how much you need to pay — free calculator.
At 24.99% APR, a $4,000 balance accrues approximately $83 in interest per month. At minimum payments of $80/mo, it takes about 30+ years to pay off. Doubling your payment cuts that to roughly 3 years.