Go for the Slim Jim plan. Work long enough to have enough positive equity to sell it all off (liquidate) and leave the country (be an ex-pat). Like $200,000 will get you a nice condo in the Caribbean. Just need enough after that to sustain yourself. The USD goes pretty far down there. Or really anywhere in the Tropics (between Tropic of Cancer and Tropic of Capricorn). LIke, the south of Spain sounds nice too.Does it make sense if you have ~$145k total in debt?