I don't know without seeing your account and that's not really my business. I'm not part of Paypal, just another user here. It's likely a combination of both but if you go into Activity and look at your statements, pick the latest one. Download it, open it up and look on the right hand side at the top. It will tell you your balance, and under the payment information it will tell you how long it will take to pay off your account, if you make no more charges, paying the minimum or paying XX amount of dollars more a month. This is the part where you shouldn't get discouraged when you look at it. It might seem like a big hill and it probably is but you can do it if you tighten your belt, make a budget, cut your costs wherever you can, pick up a side hustle if you need to and start chucking money at it. It will go down and the more it goes down, the less the interest is, the less the interest is, the faster it goes down. Just make sure you're not adding to it with more charges.
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