You should also consider seeking advice from a financial planner. You say you will repay $175,000 to SS---what will the source of that substantial amount be? Will you be taking it from an IRA or 401k and paying tax on it? Have you given careful consideration to the difference in the benefit you will get from SS for the later retirement age vs. the repayment of $175,000----and--sorry to be blunt---but you may need help to figure out how many years of that higher benefit you need to live and collect SS in order to come out ahead.
**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**
