Yeah freaking debts suck. I went to see a debt consultant, I can either go bankrupt or follow a tight budget for 2 years. I choose the tight budget and do some under the table work. It shouldn't be too hard as my budget was made in case I only make 1600 a month but I average way more than that. I pretty much sold the ZX2 so that fills a nice big payment hole... I'm going to try for 15 months and be debt free, we will see what happens.