[Kevin]

I have some loans 3.5%, some at 5.3%, some at 6% and one at 10.5% and due to not having to do a residency and having a decent income, I'm on a 10-year payout. My minimum payment is over $1,000 per month. Affordable, but I know things would be a lot better with that payment gone, so I'm working on that and should have it taken care of next year. I never deferred. I don't think I could have. It's a slightly different scenario, but one that'll work out in the long run.