Amendment

that was not true. it was due to my innocence. ha~ how stupid! i am so happy once again! HAHAHAHAHAHHA!!

the interest is 4.75% per yr according to my fren who's paying off now. i shall recalculate.

i'll need 7 yrs to pay back everyth if i pay $500/mth... the total interest paid would be $3180.60. now that doesn't look as bad... i was really frightened as u could see.... really sorry for the wrong info!!