Tracy,
From my many years of dieting and exerciseing with trainers, also speaking from the time i was in the Army, I would say 40 minutes 4 days a week to start. Try to fit in some weight training also. 40 minute cardio and 20 minutes lifting some weight is a great way to start. Muscle burns fat. Keep that in mind. Nothing terribley heavy, but you don't want to cheat yourself either. Work on perfecting this plan for about a month and start increasing your time by 10 minutes and then increase to 1 hr.
With the right eating plan, I am sure you will do well.
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