Hey RNav.. I was gonna get my $25,000 loan and have to only pay $272 a month for it with no penalties for early repayment. I never said getting a loan was THE WAY TO GO, but you putting the damnation to it is uncalled for. You ultimately said anyone making $25,000 can't afford $3600 a YEAR and going down from there for there loans???? That leaves over $21,000 to live on for the year and that's completely within reason to do under this guys circumstances. I'm saying I'm an advocate for the people who make this work for them because I'm completely confident I could in this situation.