 Well, it sounds like you probably are going to have to make some career choices as well, and you're probably going to have to pick up some part-time income and be working like a maniac because you're not making progress. You need to be paying like $30,000, $40,000 a year on the loan to make it go away in two or three years, and you can't do that making $60,000 living in New York City.