Hi Raptorfun,   What bank/institution did you use for your loan?  That is about the equivalent for my husband and I, plus I have over 70K in student loans on top of that.  My husband was out of work for 4 years!  We had to rack up credit card debt, since we had a brand new baby at the time which comes with tons of expenses.  I am having a hard time finding the right institution to apply to.   Thanks so much. ... View more