just checked your state's website G - there's even a worksheet for you to calculate #s ... check it out before you talk yourself into a super low payment. hope this helps.

M 20+ T25+
S ~15.5 (BD)
BD 4/6/15
D 12/23/16

"Someone I loved once gave me
A box full of darkness.
It took me years to understand,
That this too, was a gift."
~ Mary Oliver