Bakersfield comes in a close second. We estimate that someone aggressively paying down credit card debt could do it in about 7.4 months here. High school graduates in the area earn just under $34,000 per year, a relatively high amount that enables them to pay off debt faster. In those short seven months, someone paying down $5,700 would still have accrued $357 in interest payments. Click here or the image below to read more!