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I just wanted to thank everybody for your help. The 'play house' plan is an excellent idea that my husband and I have agreed to start. We'll see where we are in a year, and we have definitely agreed that we can stay put in our current home as long as we need to.

With the next few weeks, I am going to talk even more to the program director and my boss to get a better idea of the real odds of qualifying for more repayment. I'll keep you updated!

Thanks so much for your time and advice; hopefully I'll get to a point that I can help someone here!

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