Thanks the the few to took a break from beating me up to actually offer some helpful advice.
See Tony and MemBrain the problem is that I am actually "being a man" and paying for my loans unlike a great amount of my fellow pilots. I do want to pay I really do but the thing is I cant. When it comes to paying a mortage or paying a student loan im going to pick the mortage sorry if thats not being man enough.
James, thank you for the 7/7 point of view becasue at this point its not going to be paid off in 7 years and that just might be the best option.