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JohnnyHThe nice thing is you have options. If you really love the T206 I wouldn't sell them, because if you do there is a chance you will never be able to get back into them as you had already done it, of course you might get into something else you never had thought of and like it even more. If you take out a loan and things get tight, you can always start selling cards to pay it off. It's not like you are facing losing your home, 170.00 a month will be easy to off set by only spending half of what you do now on T206 and maybe cut back on a couple other things. I wouldn't do anything drastic, without any CC debt you are fine, plus you will get the interest paid on the loan as a write off on your taxes.