hey guys iam wonder i read in a earlyer fourm that the percent of pay back doesnt matter unless you have asst is that right .so say i have a home worth 184,000 and i owe 164,000 and i can portect the equity of 20,000.iam taking all that matters is what i have let after the means test is run right ? so if i have a hundered dollers left that would be my payment
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