Re: thank you (n/m)
Amazingly I think we are on the same page and I don't think there are any contradictions between what you said here, what I've said, or what nate has said.
You claimed that you made as much money as your expenses and were not saving anything. Where are you going to get the extra $250/month to pay off the loan? You are going to have to cut expenses or get more money somehow. And if you keep getting more and more IOUs, eventually you are going to have to pay the piper. Getting more money is going to mean increased tax revenues.
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