I guess it is weighing up perhaps 60c in 5 years compared to 40c cents plus now. Guess you can do alot with 40c now if you are creative and proactive and be miles ahead in 5 years times and had a ball getting on with life. It is also the emotional baggage of dragging family and friends to the end for an extra 20c as well as yourself.
Each creditor will need to weigh up all the issues, not just financial
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