$10,000
/ $25.00 (the maximum monthly payment a DUmmy can scrape together working 25 hours a week at McDonalds, after factoring in bus fare and pot/Cheetos expenses)
= 400 months or, 33 years, 4 months, assuming (a HUGH assumption, I know) that the DUmmy doesn't fall behind in payments, and start accruing interest.