[terry1156]

I think stepping back and taking a little time to go over the information again is a good decision at the moment. There have been a lot of good opinions and I'm sure you will choose what is right for you.

In all this we haven't talked much about your sons responsibility. While you are taking on all the tress of paying it back, in reality he is the one who should be responsible. Knowing that family dynamics don't always allow for all things to be done, I think he should be involved in how everything is to be paid off with him ultimately paying it all since it was his mess that got you here. While probably not comfortable and it'll cause some friction, if he doesn't he won't learn a thing and do it again at some later time. Why isn't he working 4 jobs to help pay it off? At the very least he should share in the stress and not leave it all on you (my small rant is over).

Please keep us informed what you decide and throw out more questions if you have them.

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