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Also, my credit card constant owes $3.5k on it. I never pay any interest though.

Agree with Shadow. Who says 50% is the normal level? Why do we have to revert back to 50%? Isn't the 'normal level' the highest we can comfortably service with the more modern lending technology we have today? (i.e. the ability to access equity in assets, the ability to chase people down...