S.,
My sister took the oral Rx stuff and got rid of it. I have health issues and didn't feel okay with the liver danger, so I used the Rx nail stuff called Penlac, but it took about a year and a half to clear up (I thought it was done at about 7 mos and quit applying it and it came back). I finally got rid of it by doing a combo of the Penlac routine, and soaking it in water with Listerine in it and applying Tea Tree Oil afterward. It hasn't come back and it's been nearly two years. (I got so that I really liked the smell of Tea Tree Oil!)
Summary: the fastest and most sure method is prescription Lamisel which you take orally. Penlac is also priscription only and is painted on the toe and toenail after you clip as much of the damaged toenail off that you can. Eventually, you want to try to remove all the damaged toenail - even if it means that you are removing it off the top of the toe. It will grow back nice and healthy once you get rid of the damaged area.
I have heard some people say that they were able to get rid of the fungus without resorting to the prescription stuff, just using Listerine. That wasn't my experience.
It might also help your body fight off the fungus if you take odorless garlic tablets during the treatment process. Garlic has natural antibacterial antifungal properties.(Odorless so you won't experience "garlic" burps)
good luck.