Thanks Leviathan.I think that we should not have consolidated and done the snowball. We were doing that but it was spread around and we are overseas. Dealing with three bank accounts and two currencies, was difficult. The appeal of a reduced interest rate, to 0% in most cases, and auto pay out of the US checking account drew us in to the plan. Getting US bills overseas and getting checks back was always a hassle. Banking online was a real Godsend when the banks offered it; we started with banking by phone.I have to find out after we have some sense of where every baht and nickel is going, if we can put more into the loans as they are now.Again, thanks.Liz
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