Hey guys and gals -
Long story short, I wasn' able to fulfill my original deal and I came here for advice. I sent out my letter and got an offer today. Bottom line is, they just want me to pay 80 bucks, which would make the total amount I pay = the original amount borrowed. terms I can totally live with.
I still have 2 more to go, so wish me luck - but THANKS to the fine vets and n00bs who offer good info!!