My Goal: to find what fraction of my monthly payment should go to each loan. The ideal outcome would be to pay the debt as fast as possible. I have several loans, but for now, I want to start with a simple exercise of one loan that accrues monthly interest and one fixed monthly payment for that loan. Please see attachment. At this point, if everything is correct, I'm not sure what to do with the plot of the Laplace Transform. I know that there is a point in time where the loan is payed off, but how can I figure that out from the plot in the s-plane.