I agree with Dallas. S/C is a dreammmmmmm of mine but hey just think if you fall on tough times you have a possibilty of even having you VX repossesed or may need to sell it just to keep your head above water. Not saying your in that bad of shape but unfortunately I've have been there with the credit cards ( oh, still am) (LOL) and hate paying them but I always feel job security is no longer job "security" and the creditors could care less. Believe me the day I could afford the S/C I will be screaming in CAPS that I'm debt free and able to get it....So, all the people who are pushing for you to get the S/C before your bills just remember if you should lose your job they're not gonna be there to pay your bills when the time comes, then what?