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Yeah i do...though i'm still at home for another year until the personal loan is paid off and IP2 settles :) By way of a summary, I earn approx $4,400 net a month, of that - $3,300 goes straight into my personal loan and $500 on board (i know this is a great deal and i don't have to pay this...

that's ridiculously high! Are all banks/lenders the same? I survive on less then half that...