It's $41,000, but its crippling us, we are sitting on the debts and they're not budging at all. Plus they are putting so much stress on our relationship.

I agree it's a super long time, but as DF said today, on his one trainee income we are goign to be doing nothing for the next 5 years anyway... I don't know it seems so hard to decide and is definitely not something to be taken lightly!