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ย 2 months agoย 

Alright. It's not such a big deal that it's been 30 years.

Pay off the 200K loan โ€” you'll have 0 of your own.

Earn another 200K โ€” then you'll have 200 of your own and be safe.
Now it just needs to be nicely formatted and well written.

Thank you for your kindness. I'm already writing.