Sorry, no bad tone intended. I have to get better at voice inflection and monetary sarcasm in my typing. LOL Quite the contrary, I was fully agreeing with you and appreciated your comments. I was just making fun of how bad the situation would be if they actually implement such a policy.

Getting out of debt is a good goal. It is a safe goal. I wish I were there (but not wishing hard enough to make it happen). If the choice was "in debt" or "out of debt" with all other things being equal, absolutely, out of debt wins. It may or may not in the end be the most economically advantageous, but it is certainly a worthwhile goal if that is what makes a person happy and sleep well at night.

I'm in your camp. Did not mean for it to sound otherwise.

John