We are paying off debt I don't see why people think that it is such a dismal thing to pay off debt. We take out loans for things, and get the things, that we would never have been able to own if it weren't for the lenders. Then we gripe about paying it back with the interest that we agreed to when we signed that promissory note (that we DID read... riiight?) lol. I have vowed not to go into anymore debt until we balance out what we owe now, and this makes me feel good; that we are building our credit as a young married couple.
But what is this about it having to be paid back next year? if so, I will send it right back. I don't need or want a forced government loan put onto us.